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SECUR Edge (HMO I-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for SECUR Edge (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 Edge (HMO I-SNP) in 2026, please refer to our full plan details page.
SECUR Edge (HMO I-SNP) is a HMO I-SNP plan offered by Chapters CareNu Inc available for enrollment in 2026 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 Edge (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 Edge (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 Edge (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 Edge (HMO I-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. 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 $3400.00 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 Edge (HMO I-SNP) Medicare plan features an annual prescription drug deductible of $615. For Tier 1 preferred generic and Tier 2 generic medications, members benefit from no copay for 1-month and 3-month supplies at standard pharmacies, as well as no copay for 3-month standard mail orders. This makes managing common prescriptions highly affordable under this plan. When it comes to brand-name and specialty prescriptions, Tier 3 preferred brand drugs require a $47 copay for a 1-month supply at standard pharmacies. Tier 4 non-preferred drugs and Tier 5 specialty drugs both incur a 25% coinsurance for a 1-month supply at standard pharmacies. These clear cost-sharing structures help you easily estimate your out-of-pocket prescription expenses with this plan.
Additional Benefits
The SECUR Edge (HMO I-SNP) plan offers comprehensive medical coverage with many essential services featuring no copay and no coinsurance, including inpatient hospital stays, primary care, and urgent care. For other medical needs, patients pay predictable flat rates, such as a $25 copay for specialist visits, a $50 copay for outpatient hospital services, and a $90 copay for emergency room visits. Ground ambulance services require a $175 copay, while air ambulance services require a 20% coinsurance. This plan also provides robust supplemental benefits, featuring no copays or coinsurance for comprehensive dental care up to a $1,500 annual limit, vision exams and eyewear up to $250 every two years, and hearing aids up to $2,000 every two years. Additionally, there are no copays or coinsurance for home health care, lab services, and diabetic equipment, while durable medical equipment requires a 20% coinsurance. Members can also access up to 60 one-way transportation trips per year to plan-approved health locations with no copay and no coinsurance.
Inpatient Hospital See details
SECUR Edge (HMO I-SNP) covers inpatient acute and psychiatric hospital stays with no copay and no coinsurance, though Medicare-defined cost sharing and prior authorization are required. This benefit is partially covered, as additional days, non-Medicare-covered stays, and upgrades are not covered.
Outpatient Services See details
SECUR Edge (HMO I-SNP) covers outpatient services with no coinsurance, featuring a $50 copay for outpatient hospital visits, ambulatory surgical center services, and individual or group substance abuse sessions. Outpatient blood services and hospital observation services are covered with no copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by SECUR Edge (HMO I-SNP) with no copay and no coinsurance. Prior authorization may be required for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by SECUR Edge (HMO I-SNP), with ground ambulance services requiring a $175 copay (and no coinsurance) and air ambulance services requiring a 20% coinsurance (and no copay). Transportation is partially covered with no copay and no coinsurance for up to 60 one-way trips per year to plan-approved health-related locations, while trips to any health-related location are not covered.
Emergency Services See details
SECUR Edge (HMO I-SNP) covers emergency services with a $90 copay and no coinsurance, which is waived if admitted to the hospital within 24 hours, and urgently needed services with no copay and no coinsurance. For worldwide emergency services, some services are covered, but worldwide emergency coverage, worldwide urgent coverage, and worldwide emergency transportation are not covered.
Primary Care See details
SECUR Edge (HMO I-SNP) offers primary care, telehealth, therapy, and psychiatric services with no copay and no coinsurance, while specialist visits have a $25 copay and opioid treatment has a $50 copay, both with no coinsurance. Chiropractic services are partially covered, but routine and other chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by SECUR Edge (HMO I-SNP) with no copay and no coinsurance for covered care, including annual physical exams and kidney disease education. Sub-services not covered under this plan include medical nutrition therapy, wigs for chemotherapy-related hair loss, weight management, alternative therapies, therapeutic massage, adult day health, additional smoking cessation counseling, fitness benefits, and telemonitoring.
Hearing Services See details
Hearing services are partially covered by SECUR Edge (HMO I-SNP), offering medicare-covered exams, routine exams, fitting evaluations, and prescription hearing aids with no copay and no coinsurance up to a $2,000 maximum every two years. Prior authorization is required, and OTC hearing aids as well as inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
SECUR Edge (HMO I-SNP) vision services are partially covered, offering routine eye exams and eyewear with no copay, no coinsurance, and no deductible, up to a maximum benefit of $250 every two years. Prior authorization is required for exams, and other eye exam services are not covered.
Dental Services See details
Dental services are covered by SECUR Edge (HMO I-SNP) with no copay and no coinsurance for all preventive and comprehensive care, including cleanings, x-rays, restorative services, and implants. The plan provides up to a $1,500 annual maximum benefit, though prior authorization is required for advanced dental procedures.
Home Infusion bundled Services See details
Home infusion bundled services are covered by SECUR Edge (HMO I-SNP) with no copay and no coinsurance, though prior authorization is required. Associated Medicare Part B chemotherapy and other drugs require no copay and a coinsurance ranging from no coinsurance to 20%, while covered insulin has a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered under the SECUR Edge (HMO I-SNP) plan with no copay and no coinsurance.
Medical Equipment See details
SECUR Edge (HMO I-SNP) covers durable medical equipment (DME) with no copay and 20% coinsurance. Prosthetics, medical supplies, and diabetic equipment and shoes are also covered with no copay and no coinsurance, though prior authorization is required.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the SECUR Edge (HMO I-SNP) plan with no coinsurance, though prior authorization is required. There is no copay for diagnostic procedures, lab services, outpatient X-rays, and therapeutic radiological services, while diagnostic radiological services require a copay starting at $50.
Home Health Services See details
Home health services are covered under the SECUR Edge (HMO I-SNP) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
SECUR Edge (HMO I-SNP) covers Cardiac Rehabilitation Services with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
SECUR Edge (HMO I-SNP) covers skilled nursing facility services with no coinsurance and no prior three-day hospital stay required, though prior authorization is necessary. There is no copay for days 1 through 20 and a $150 copay for days 21 through 100, but additional days beyond the Medicare-covered limit are not covered.
Other Services See details
SECUR Edge (HMO I-SNP) partially covers other services, offering over-the-counter (OTC) items and a meal benefit with no copay and no coinsurance, though acupuncture is not covered. The meal benefit requires prior authorization, and OTC items are available through reimbursement.
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