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eternalHealth Valor Give Back (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for eternalHealth Valor Give Back (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on eternalHealth Valor Give Back (HMO-POS) in 2026, please refer to our full plan details page.
eternalHealth Valor Give Back (HMO-POS) is a HMO-POS plan offered by Eternal Health of Delaware, Inc. available for enrollment in 2025 to people living in Maricopa, Pima, Pinal and Graham Counties. The overall rating for this plan is not yet available for 2026.
It's important to know that eternalHealth Valor Give Back (HMO-POS) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about eternalHealth Valor Give Back (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 eternalHealth Valor Give Back (HMO-POS), 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. Additionally, this plan comes with a Part B Premium reduction of $100.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $9000.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $9000.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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
Prescription drugs are not covered by eternalHealth Valor Give Back (HMO-POS).
Additional Benefits
The eternalHealth Valor Give Back (HMO-POS) plan offers comprehensive medical coverage, featuring Medicare-defined copays and coinsurance for inpatient hospital stays alongside a standard 20% coinsurance and no copay for outpatient, emergency, and dialysis services. Routine preventive services and annual physical exams are covered with no copay or coinsurance, while primary care visits for therapies and chiropractic care require copays ranging from $15 to $30. Additionally, ground and air ambulance services require a 20% coinsurance with no copay, and members can access up to 24 one-way trips per year to plan-approved locations with no copay or coinsurance. For specialty care, the plan provides dental, vision, and hearing benefits, including a $2,500 annual dental maximum and routine eye and hearing exams with a 20% coinsurance and no copay. Prescription hearing aids are covered with a copay ranging from $595 to $895 and no coinsurance, while eligible eyewear is covered up to a $200 annual limit with a 20% coinsurance and no copay. Members also benefit from a $50 quarterly over-the-counter allowance with no copay, acupuncture sessions for a $25 copay, and Medicare Part B insulin drugs for a $35 copay.
Inpatient Hospital See details
Inpatient Hospital benefits are partially covered by eternalHealth Valor Give Back (HMO-POS), with Medicare-defined copays and coinsurance applying per admission or stay. While unlimited additional days for acute care are covered, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered under the eternalHealth Valor Give Back (HMO-POS) plan with no copay and a 20% coinsurance. This includes coverage for outpatient hospital, observation, ambulatory surgical center, outpatient substance abuse, and outpatient blood services.
Partial Hospitalization See details
eternalHealth Valor Give Back (HMO-POS) covers partial hospitalization benefits with a 20% coinsurance and no copay.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by eternalHealth Valor Give Back (HMO-POS), requiring a 20% coinsurance and no copay for ground and air ambulance services. Transportation services are partially covered, offering up to 24 one-way trips per year to plan-approved locations with no copay or coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
eternalHealth Valor Give Back (HMO-POS) covers emergency, urgent, and worldwide emergency services with a 20% coinsurance and no copay. Worldwide coverage, including emergency transportation, is subject to a $25,000 maximum plan benefit.
Primary Care See details
Primary care benefits are partially covered by eternalHealth Valor Give Back (HMO-POS), which excludes podiatry services. Covered services require copays ranging from $15 to $30 for chiropractic and therapy visits, and a 20% coinsurance for psychiatric, mental health, and opioid treatment services.
Preventive Services See details
eternalHealth Valor Give Back (HMO-POS) covers annual physical exams, zero-dollar preventive services, and other screenings with no copay or coinsurance, while kidney disease education requires a 20% coinsurance and no copay. Additional preventive benefits are partially covered, including a fitness benefit with no copay or coinsurance, but services such as health education, in-home safety assessments, and personal emergency response systems are not covered.
Hearing Services See details
Hearing services are partially covered by the eternalHealth Valor Give Back (HMO-POS) plan, which offers routine exams with a 20% coinsurance and no copay, and prescription hearing aids with a $595 to $895 copay and no coinsurance. OTC hearing aids, along with inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
eternalHealth Valor Give Back (HMO-POS) offers partially covered vision services, featuring one routine eye exam per year and annual eyewear like eyeglasses and contacts up to a $200 combined limit. Covered services require a 20% coinsurance with no copay or deductible, while eyewear upgrades are not covered.
Dental Services See details
Dental services are covered by eternalHealth Valor Give Back (HMO-POS), featuring Medicare-covered dental care with a 20% coinsurance and no copay. Other preventive and comprehensive dental services are covered up to a $2,500 annual maximum, though adjunctive general services and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by eternalHealth Valor Give Back (HMO-POS) subject to prior authorization. Medicare Part B insulin drugs require a $35 copay and no coinsurance, while chemotherapy and other Part B drugs feature no copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis Services are covered by eternalHealth Valor Give Back (HMO-POS) with no copay and a 20% coinsurance.
Medical Equipment See details
eternalHealth Valor Give Back (HMO-POS) covers medical equipment, including durable medical equipment, prosthetics, and diabetic supplies, with no copay and a 20% coinsurance. Prior authorization is required for these services, and certain items may be limited to preferred manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are partially covered by eternalHealth Valor Give Back (HMO-POS) with no copay and a 20% coinsurance, and prior authorization is required. Covered services include diagnostic procedures, radiological services, and outpatient X-rays, whereas lab services are not covered.
Home Health Services See details
Home Health Services are covered under the eternalHealth Valor Give Back (HMO-POS) plan.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the eternalHealth Valor Give Back (HMO-POS) plan, as all individual sub-services, including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation, are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by eternalHealth Valor Give Back (HMO-POS), requiring prior authorization and Medicare-defined copays with no coinsurance. While standard SNF services do not require a prior three-day hospital stay, additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by eternalHealth Valor Give Back (HMO-POS), excluding highly integrated services for dual eligible SNPs. Covered benefits include acupuncture for a $25 copay and no coinsurance for up to 20 treatments yearly, a chronic illness meal benefit, and a $50 quarterly over-the-counter allowance with no copay or coinsurance.
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