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SECUR Enhanced (HMO I-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for SECUR Enhanced (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 Enhanced (HMO I-SNP) in 2025, please refer to our full plan details page.
SECUR Enhanced (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 2025.
It's important to know that SECUR Enhanced (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 Enhanced (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 Enhanced (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 Enhanced (HMO I-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $20.30. 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 $590.00 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 $1800.00 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 Enhanced (HMO I-SNP) plan has a $590 deductible for prescription drugs. After the deductible, you will pay costs for drugs in each tier until your total drug costs reach $2000. If you qualify for the low-income subsidy (LIS), you will pay $20.30 for Part D. Once your yearly out-of-pocket drug costs reach $2000, you pay nothing for covered drugs.
Additional Benefits
The SECUR Enhanced (HMO I-SNP) plan offers a range of benefits with varying cost-sharing. Many services have a 20% coinsurance, including outpatient, specialist, and dental services. Some services have no copay, such as primary care, home health, and preventive services. The plan includes coverage for emergency services with a $95 copay, as well as hearing and vision services with specific cost-sharing. Additional benefits include coverage for over-the-counter items with a maximum benefit of $220 every three months and a meal benefit.
Inpatient Hospital See details
Inpatient Hospital benefits, including acute and psychiatric services, are covered, but additional days, non-Medicare-covered stays, and upgrades for these services are not covered. Prior authorization is required for inpatient hospital services, and coinsurance applies; however, the specific coinsurance amount is not detailed.
Outpatient Services See details
Outpatient services, including outpatient hospital services and observation services, have a 20% coinsurance. Ambulatory Surgical Center (ASC) Services and Outpatient Substance Abuse Services are covered, with a minimum coinsurance of 20% and a maximum coinsurance of 20%. Outpatient blood services are covered with a 20% coinsurance, and this plan waives the three-pint deductible.
Partial Hospitalization See details
Partial Hospitalization is covered by the SECUR Enhanced (HMO I-SNP) plan. This benefit requires prior authorization and has a 20% coinsurance.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the SECUR Enhanced (HMO I-SNP) plan. Ground and Air Ambulance Services have a 20% coinsurance, while Transportation Services have no copay.
Emergency Services See details
Emergency Services are covered by the SECUR Enhanced (HMO I-SNP) plan with a $95 copay, and no coinsurance. Worldwide Emergency Services are not covered.
Primary Care See details
The SECUR Enhanced (HMO I-SNP) plan covers primary care physician services with no copay, chiropractic services with 20% coinsurance, occupational therapy services with no copay and no coinsurance, and physician specialist services with 20% coinsurance. The plan also covers mental health specialty services, podiatry services with 20% coinsurance and no copay, other health care professional services with 20% coinsurance, psychiatric services with 20% coinsurance, and physical therapy and speech-language pathology services with no copay and no coinsurance. Additionally, additional telehealth benefits are covered with a 20% coinsurance and no copay, and opioid treatment program services are covered with no copay.
Preventive Services See details
The SECUR Enhanced (HMO I-SNP) plan covers preventive services, including an annual physical exam with no copay. The plan also covers health education, in-home safety assessments, personal emergency response systems, nutritional/dietary benefits, home-based palliative care, in-home support services, caregiver support, kidney disease education, and other preventive services, all with no copay.
Hearing Services See details
Hearing Services under the SECUR Enhanced (HMO I-SNP) plan include hearing exams with a coinsurance of at most 20% and routine hearing exams and fitting/evaluation for hearing aids with no copay. Prescription hearing aids (all types) are covered with no copay, but prescription hearing aids for inner, outer, and over the ear are not covered, and OTC hearing aids are not covered.
Vision Services See details
Vision services include eye exams and eyewear. Eye exams have a 20% coinsurance, and routine eye exams have no copay. Eyewear, including contact lenses, eyeglasses, eyeglass lenses, eyeglass frames, and upgrades, have no copay.
Dental Services See details
The SECUR Enhanced (HMO I-SNP) plan covers dental services, including Medicare Dental Services with 20% coinsurance, and other dental services with no copay. Other covered services include Oral Exams, Dental X-Rays, Other Diagnostic Dental Services, Prophylaxis (Cleaning), Fluoride Treatment, Other Preventive Dental Services, Restorative Services, Adjunctive General Services, Endodontics, Periodontics, Prosthodontics (removable and fixed), Maxillofacial Prosthetics, Implant Services, Oral and Maxillofacial Surgery, and Orthodontics with no copay.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, but require prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay with coinsurance between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the SECUR Enhanced (HMO I-SNP) plan. There is a 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment benefits are covered by SECUR Enhanced (HMO I-SNP), including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance and requires prior authorization, while Durable Medical Equipment for use outside the home is not covered; Prosthetics/Medical Supplies have a 20% coinsurance; and Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts each have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered. Diagnostic Procedures/Tests and Diagnostic Radiological Services have a coinsurance of at least 20%, while Lab Services have no copay. Therapeutic Radiological Services and Outpatient X-Ray Services have a coinsurance of at least 20%.
Home Health Services See details
Home Health Services are covered by the SECUR Enhanced (HMO I-SNP) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the SECUR Enhanced (HMO I-SNP) plan. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are covered, but prior authorization is required. The plan does not cover additional days beyond Medicare-covered for SNF, and does not cover non-Medicare-covered stays for SNF.
Other Services See details
The SECUR Enhanced (HMO I-SNP) plan covers over-the-counter items with no copay and a maximum benefit of $220 every three months, as well as a meal benefit with no copay. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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