Anthem I CareMore Premium Savings (HMO-POS)

Anthem I CareMore Premium Savings (HMO-POS) is a HMO-POS plan offered by Elevance Health, Inc. available for enrollment in 2025 to people living in Los Angeles, Orange and San Bernardino counties. This plan received an overall rating of 3 out of 5 stars in 2026.

It's important to know that Anthem I CareMore Premium Savings (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 Anthem I CareMore Premium Savings (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.

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:

Drug Coverage

The Anthem I CareMore Premium Savings (HMO-POS) plan features an Enhanced Alternative drug benefit with a yearly prescription drug deductible of $115.00. Under this plan, you will benefit from no copay for Tier 1 preferred generic drugs at preferred pharmacies or through standard mail, though standard pharmacies require a $10.00 copay. Notably, Tier 5 specialty drugs also feature no copay at both preferred and standard pharmacies. For mid-level drug tiers, you will pay a 25% coinsurance for Tier 2 standard generics, 30% coinsurance for Tier 3 preferred brands, and 31% coinsurance for Tier 4 non-preferred drugs. Individuals who qualify for the Extra Help low-income subsidy can reduce their Part D cost to $0.00. After your yearly out-of-pocket drug costs reach $2,100.00, you will enter the catastrophic coverage phase and pay nothing for covered Part D medications.

Additional Benefits

The Anthem I CareMore Premium Savings (HMO-POS) plan offers robust medical coverage with low, predictable out-of-pocket costs. Inpatient hospital stays require a $125 daily copay for the first five days and no copay for days six through 90, while primary care and routine telehealth visits feature no copay. Outpatient procedures, diagnostic services, and emergency care generally require low copays ranging from no copay up to $100, with no coinsurance. In addition to medical care, members receive valuable supplemental benefits including dental coverage up to a $1,200 annual maximum with no copay for preventive services. Routine vision and hearing exams are covered with no copay, alongside allowances of up to $200 for eyewear and $3,000 for prescription hearing aids. The plan also supports your daily health needs by offering up to 10 free one-way transportation trips per year to approved locations and over-the-counter benefits with no copay or coinsurance.