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MVP Medicare Secure Plus with Part D (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for MVP Medicare Secure Plus with Part D (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on MVP Medicare Secure Plus with Part D (HMO-POS) in 2026, please refer to our full plan details page.
MVP Medicare Secure Plus with Part D (HMO-POS) is a HMO-POS plan offered by MVP Health Care, Inc. available for enrollment in 2025 to people living in S.Tier NY, CNY, Eastern NY, Hudson Valley NY. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that MVP Medicare Secure Plus with Part D (HMO-POS) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about MVP Medicare Secure Plus with Part D (HMO-POS).
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 MVP Medicare Secure Plus with Part D (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $116.00. 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 $400.00 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 $6000.00 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:
Sign up for MVP Medicare Secure Plus with Part D (HMO-POS)
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Drug Coverage
The MVP Medicare Secure Plus with Part D (HMO-POS) plan features an annual drug deductible of $400. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies and standard mail order. Tier 2 generic drugs cost a $2 copay for a 1-month supply, while a 3-month supply costs $6 at standard pharmacies and $4 through standard mail order. Higher-tier medications under this plan utilize coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 16% coinsurance for both 1-month and 3-month fills. Tier 4 non-preferred drugs and Tier 5 specialty drugs both require a 25% coinsurance, helping you plan your out-of-pocket prescription costs.
Additional Benefits
The MVP Medicare Secure Plus with Part D (HMO-POS) plan offers comprehensive medical coverage with no copays for primary care visits, annual physicals, and home health services. For specialized care, members pay predictable copays, such as $10 to $35 for specialist visits and $100 for emergency services. Inpatient hospital stays require a $350 daily copay for the first five days and no copay thereafter, while outpatient hospital services carry a $300 copay per stay. This plan also features robust supplemental benefits, including preventive and comprehensive dental care with no copay up to a $1,500 annual limit. Routine hearing exams are available with no copay, and routine eye exams require a low $20 copay, alongside a $50 over-the-counter allowance every three months. Skilled nursing facility stays are covered with no copay for the first 20 days, and plan-approved transportation is provided at no cost for up to 24 one-way trips per year.
Inpatient Hospital See details
MVP Medicare Secure Plus with Part D (HMO-POS) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $350 copay per day for days 1-5 and no copay for days 6-90 per stay. Unlimited additional days are covered for acute stays at no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by MVP Medicare Secure Plus with Part D (HMO-POS) with no coinsurance, requiring a $300 copay per stay for outpatient hospital and observation services and a $200 copay for ambulatory surgical center services. Outpatient substance abuse sessions have a $10 copay with no coinsurance, while outpatient blood services are covered with no copay and no coinsurance.
Partial Hospitalization See details
The MVP Medicare Secure Plus with Part D (HMO-POS) plan covers partial hospitalization services with a $50 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by MVP Medicare Secure Plus with Part D (HMO-POS), featuring no coinsurance and copays of $200 for ground ambulance and $300 for air ambulance. Plan-approved transportation services are partially covered with no copay or coinsurance for up to 24 one-way trips per year, though transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by MVP Medicare Secure Plus with Part D (HMO-POS) for a $100 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services have a $20 copay and no coinsurance, while worldwide emergency and urgent care require a $100 copay ($200 for worldwide emergency transportation) and no coinsurance.
Primary Care See details
MVP Medicare Secure Plus with Part D (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits, therapy, and mental health services require copays ranging from $10 to $35 and no coinsurance. Routine chiropractic care and podiatry services are not covered under these benefits.
Preventive Services See details
Preventive services are covered by MVP Medicare Secure Plus with Part D (HMO-POS) with no copay and no coinsurance for annual physicals, kidney disease education, and other screenings. Additional preventive services are only partially covered, excluding in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, additional smoking cessation, enhanced disease management, telemonitoring, home/bathroom safety, and counseling.
Hearing Services See details
MVP Medicare Secure Plus with Part D (HMO-POS) covers hearing services, offering routine hearing exams and fitting evaluations with no copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and a copay ranging from $699 to $999 for up to two aids per year, but OTC hearing aids and inner ear, outer ear, and over the ear prescription aids are not covered.
Vision Services See details
MVP Medicare Secure Plus with Part D (HMO-POS) partially covers vision services, offering one routine annual eye exam with a $20 copay and no coinsurance up to a $70 limit, while other eye exams are not covered. Eyewear is covered with no copay and 20% coinsurance for contact lenses, up to a $175 combined annual limit with no deductibles.
Dental Services See details
Dental services are partially covered by MVP Medicare Secure Plus with Part D (HMO-POS), which offers Medicare-covered dental services for a $35 copay and no coinsurance. Other preventive and comprehensive dental services have no copay and no coinsurance up to a $1,500 annual maximum, though orthodontics is not covered.
Home Infusion bundled Services See details
MVP Medicare Secure Plus with Part D (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Related Medicare Part B chemotherapy, radiation, and other drugs feature no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin requires a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
MVP Medicare Secure Plus with Part D (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
MVP Medicare Secure Plus with Part D (HMO-POS) partially covers medical equipment with no copays and required prior authorization. Covered durable medical equipment carries a 20% coinsurance, prosthetic devices require between no coinsurance and 20% coinsurance, and diabetic therapeutic shoes or inserts require a 5% coinsurance, while medical supplies and diabetic supplies are not covered.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are partially covered by MVP Medicare Secure Plus with Part D (HMO-POS) with prior authorization required. Diagnostic procedures and tests require a $10 copay and no coinsurance, but lab services are not covered, while radiological services require a $40 copay for diagnostic and X-ray services and a 20% minimum coinsurance for therapeutic services.
Home Health Services See details
Home Health Services are covered under the MVP Medicare Secure Plus with Part D (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
MVP Medicare Secure Plus with Part D (HMO-POS) partially covers Cardiac Rehabilitation Services, offering coverage for additional cardiac rehabilitation services with a $20 copay and no coinsurance, subject to prior authorization. Standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered under this plan.
Skilled Nursing Facility (SNF) See details
MVP Medicare Secure Plus with Part D (HMO-POS) covers skilled nursing facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. This benefit is partially covered, featuring no copay for days 1 through 20 and a $214 daily copay for days 21 through 100, while additional days beyond the Medicare-covered limit are not covered.
Other Services See details
MVP Medicare Secure Plus with Part D (HMO-POS) partially covers other services, offering acupuncture with no copay and 50% coinsurance for up to 12 treatments per year. Eligible members also receive a meal benefit for chronic illnesses and a $50 over-the-counter (OTC) benefit every three months, both with no copay and no coinsurance.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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