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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 2026, 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 2026.
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 $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 $2500.00 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) prescription drug plan features an annual drug deductible of $615. This deductible is the amount you must pay out-of-pocket for your medications before the plan's coverage kicks in. Understanding this upfront cost is essential for calculating your overall healthcare budget. Specific drug tier details, including copayments and coinsurance rates for generic and brand-name medications, are not available for this plan. To determine your exact costs for specific prescriptions, it is recommended to contact the plan provider directly for a complete formulary. This will help you make an informed decision about whether this plan fits your medication needs.
Additional Benefits
The SECUR Enhanced (HMO I-SNP) plan offers robust medical coverage with many essential services featuring no copayments. Members pay no copay or coinsurance for primary care visits, physical therapy, home health services, and skilled nursing facility care. For inpatient hospital stays, outpatient services, and specialist visits, there is no copay, though a standard 20% coinsurance or Medicare-defined cost-sharing typically applies. This plan also includes valuable supplemental benefits to support overall wellness, including dental, vision, hearing, and transportation services. Preventive and comprehensive dental care is covered with no copay or coinsurance up to a $1,250 annual limit, while vision and hearing benefits provide generous allowances for eyewear and hearing aids with no copay. Additionally, members can access up to 60 free one-way trips per year to plan-approved health locations and receive covered over-the-counter items at no cost.
Inpatient Hospital See details
SECUR Enhanced (HMO I-SNP) provides partially covered inpatient acute and psychiatric hospital services with no copay, though prior authorization and Medicare-defined cost-sharing apply. Additional hospital days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services under SECUR Enhanced (HMO I-SNP) are covered with no copayment and a 20% coinsurance, though prior authorization is required for most services. This coverage applies to outpatient hospital, ambulatory surgical center, substance abuse, and blood services.
Partial Hospitalization See details
Partial hospitalization is covered by SECUR Enhanced (HMO I-SNP) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
SECUR Enhanced (HMO I-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay, subject to prior authorization. Transportation services are partially covered, providing up to 60 one-way trips per year to plan-approved health-related locations with no copay or coinsurance, while transport to any other health-related locations is not covered.
Emergency Services See details
SECUR Enhanced (HMO I-SNP) covers emergency services with a $95 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a 20% coinsurance (up to $40 per visit) and no copay, but worldwide emergency, urgent, and transportation services are not covered.
Primary Care See details
Primary Care benefits under SECUR Enhanced (HMO I-SNP) feature no copay and no coinsurance for primary care, occupational therapy, physical therapy, speech therapy, and opioid treatment. Specialist, mental health, psychiatric, and routine podiatry services (limited to 6 visits per year) are covered with no copay and a 20% coinsurance, while chiropractic services are not covered in practice.
Preventive Services See details
SECUR Enhanced (HMO I-SNP) partially covers preventive services, offering covered care—such as annual physical exams, kidney disease education, and glaucoma screenings—with no copay and no coinsurance. Supplemental services like the fitness benefit, weight management programs, medical nutrition therapy, alternative therapies, and therapeutic massage are not covered.
Hearing Services See details
Hearing services are partially covered by SECUR Enhanced (HMO I-SNP) up to a $2,000 maximum benefit every two years, offering fitting exams and prescription hearing aids with no copay and no coinsurance, and routine exams with a 20% coinsurance and no copay. Over-the-counter (OTC) hearing aids, as well as inner ear, outer ear, and over-the-ear prescription hearing aid types, are not covered.
Vision Services See details
SECUR Enhanced (HMO I-SNP) provides partially covered vision services with no deductible, featuring routine eye exams with no copay and 20% coinsurance, and eyewear with no copay or coinsurance up to a $250 limit every two years. Other eye exam services are not covered under this plan.
Dental Services See details
SECUR Enhanced (HMO I-SNP) covers Medicare-covered dental services with no copay and a 20% coinsurance, requiring prior authorization. Preventive and comprehensive dental services, such as cleanings, x-rays, and restorative treatments, are covered with no copay and no coinsurance up to a $1,250 annual maximum, with prior authorization required for comprehensive care.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by SECUR Enhanced (HMO I-SNP) with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy and other Part B drugs have no copay and require no coinsurance to 20% coinsurance, while Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the SECUR Enhanced (HMO I-SNP) plan with no copay and a 20% coinsurance.
Medical Equipment See details
SECUR Enhanced (HMO I-SNP) covers durable medical equipment, prosthetics, medical supplies, and diabetic equipment with no copay and a 20% coinsurance. Prior authorization is required for these benefits, and certain vendor or manufacturer limitations may apply.
Diagnostic and Radiological Services See details
SECUR Enhanced (HMO I-SNP) covers diagnostic and radiological services with prior authorization, subject to a 20% coinsurance. Lab services and radiological services (including X-rays) have no copay, while diagnostic procedures and tests require a copayment.
Home Health Services See details
SECUR Enhanced (HMO I-SNP) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
SECUR Enhanced (HMO I-SNP) covers some Cardiac Rehabilitation Services with no copay and prior authorization, but in practice, cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
SECUR Enhanced (HMO I-SNP) covers skilled nursing facility (SNF) services with no copay and no coinsurance, and does not require a prior three-day inpatient hospital stay. Prior authorization is required for these services, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
SECUR Enhanced (HMO I-SNP) partially covers other services, excluding acupuncture. Covered benefits include over-the-counter (OTC) items and a limited-duration meal benefit, both of which feature no copay and no coinsurance, though prior authorization is required for meals.
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