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SECUR Advantage (HMO I-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for SECUR Advantage (HMO I-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on SECUR Advantage (HMO I-SNP) in 2026, please refer to our full plan details page.
SECUR Advantage (HMO I-SNP) is a HMO I-SNP plan offered by Chapters CareNu Inc available for enrollment in 2025 to people living in Western Florida. The overall rating for this plan is not yet available for 2026.
It's important to know that SECUR Advantage (HMO I-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
SECUR Advantage (HMO I-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about SECUR Advantage (HMO I-SNP).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For SECUR Advantage (HMO I-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $4.80. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $615.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $8300.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The SECUR Advantage (HMO I-SNP) Medicare Advantage plan features an annual prescription drug deductible of $615. This means you will need to pay this amount out-of-pocket for your covered medications before the plan begins to pay its share. Specific drug tier details, copayments, and coinsurance rates are currently not available for this plan. We recommend contacting the plan provider directly to verify how your specific medications are covered and what your ongoing costs will be.
Additional Benefits
The SECUR Advantage (HMO I-SNP) plan offers comprehensive medical coverage featuring no copays for primary care, home health services, and inpatient hospital stays. For outpatient hospital services, specialist visits, and durable medical equipment, members typically pay no copay alongside a twenty percent coinsurance. Emergency care is accessible with a ninety-five dollar copay, which is waived upon immediate hospital admission. Additionally, this plan provides robust supplemental benefits, including dental, vision, and hearing coverage with generous maximum allowances and no copays for routine care. Members also benefit from a one hundred dollar monthly reimbursement for over-the-counter products and up to sixty free one-way transportation trips annually to approved medical locations. These extra services are designed to minimize out-of-pocket costs and support overall health and mobility.
Inpatient Hospital See details
SECUR Advantage (HMO I-SNP) covers inpatient acute and psychiatric hospital services with no copay, though prior authorization is required and Medicare-defined cost shares apply. This benefit is partially covered, as upgrades, additional days, and non-Medicare-covered stays are not covered.
Outpatient Services See details
SECUR Advantage (HMO I-SNP) covers outpatient services with no copay and a 20% coinsurance for outpatient hospital, ambulatory surgical center, outpatient substance abuse, and blood services. Prior authorization is required for most of these outpatient services, and there is no deductible for outpatient blood services.
Partial Hospitalization See details
SECUR Advantage (HMO I-SNP) covers partial hospitalization services with no copay and a 20% coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
SECUR Advantage (HMO I-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay, which is waived if you are admitted to the hospital. Transportation services are partially covered, offering up to 60 one-way trips per year to plan-approved health-related locations with no copay and no coinsurance, though transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by SECUR Advantage (HMO I-SNP) with a $95 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a 20% coinsurance (up to $40 per visit) and no copay, while worldwide emergency, urgent, and transportation services are not covered.
Primary Care See details
SECUR Advantage (HMO I-SNP) covers primary care, occupational therapy, physical therapy, speech-language pathology, and opioid treatment services with no copay and no coinsurance. Specialist, psychiatric, mental health, telehealth, and routine podiatry services (up to 4 visits annually) are available with no copay and a 20% coinsurance, while chiropractic care has some services covered but routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by SECUR Advantage (HMO I-SNP) with no copay and no coinsurance for covered benefits like annual physicals, health education, counseling, and select screenings. Supplemental services not covered under this benefit include fitness programs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, PERS, telemonitoring, remote access technologies, in-home safety assessments, medication reconciliation, chemotherapy wigs, smoking cessation, and home safety modifications.
Hearing Services See details
Hearing services are partially covered by SECUR Advantage (HMO I-SNP), offering routine hearing exams with a 20% coinsurance and no copay, and fitting evaluations with no copay or coinsurance. Prescription hearing aids are covered with no copay or coinsurance up to a $3,600 maximum every two years, but inner ear, outer ear, over-the-ear, and OTC hearing aids are not covered.
Vision Services See details
Vision Services are partially covered by SECUR Advantage (HMO I-SNP), as other eye exam services are not covered. Routine eye exams feature no copay but require a 20% coinsurance, while covered eyewear has no copay and no coinsurance, up to a $360 maximum benefit every two years with no deductible.
Dental Services See details
SECUR Advantage (HMO I-SNP) covers Medicare-covered dental services with no copay and 20% coinsurance. Other preventive and comprehensive dental services, including cleanings, exams, and orthodontic services, are covered with no copay and no coinsurance up to a maximum annual benefit of $2,600.
Home Infusion bundled Services See details
SECUR Advantage (HMO I-SNP) covers home infusion bundled services with no copay and no coinsurance, subject to prior authorization. Associated Medicare Part B chemotherapy, radiation, and other drugs have no copay and 0% to 20% coinsurance, while Part B insulin carries a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by SECUR Advantage (HMO I-SNP) with no copay and a 20% coinsurance.
Medical Equipment See details
SECUR Advantage (HMO I-SNP) covers medical equipment, prosthetics, and diabetic supplies with no copay and a 20% coinsurance. Prior authorization and manufacturer or vendor limitations may apply to these covered items.
Diagnostic and Radiological Services See details
SECUR Advantage (HMO I-SNP) covers diagnostic and radiological services, subject to prior authorization. Lab services have no copay, while diagnostic procedures require a copayment and a minimum 20% coinsurance, and radiological services (including X-rays) feature no copay with a minimum 20% coinsurance.
Home Health Services See details
Home health services are covered under the SECUR Advantage (HMO I-SNP) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
SECUR Advantage (HMO I-SNP) provides coverage where some cardiac rehabilitation services are covered with no copay, subject to prior authorization. However, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered and require 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by SECUR Advantage (HMO I-SNP) with no copay and no coinsurance, requiring prior authorization. The plan allows admission without a prior three-day inpatient hospital stay, but additional days beyond the Medicare-covered limit are not covered.
Other Services See details
SECUR Advantage (HMO I-SNP) partially covers other services, offering over-the-counter (OTC) items with no copay and no coinsurance up to a $100 monthly reimbursement limit. Acupuncture, meal benefits, and other additional services are not covered.
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
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