First Choice VIP Care (HMO D-SNP)

First Choice VIP Care (HMO D-SNP) is a HMO D-SNP plan offered by Independence Health Group, Inc. available for enrollment in 2025 to people living in State of South Carolina. The overall rating for this plan is not yet available for 2026.

It's important to know that First Choice VIP Care (HMO D-SNP) 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 First Choice VIP Care (HMO D-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.

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 First Choice VIP Care (HMO D-SNP) plan features an annual drug deductible of $615. For prescription drugs in Tiers 1 through 5, which cover preferred generic, generic, preferred brand, non-preferred, and specialty medications, you will pay a 25% coinsurance at standard pharmacies. This 25% coinsurance also applies to two-month and three-month supplies filled through standard mail order. For Tier 6 select care drugs, there is no copay at standard pharmacies for one-month, two-month, or three-month supplies. You will also enjoy no copay for two-month and three-month supplies of these select care drugs filled via standard mail order. This plan structure helps keep your essential maintenance medications highly affordable.

Additional Benefits

First Choice VIP Care (HMO D-SNP) provides comprehensive medical coverage with no copay for primary care and specialist visits, though some services may require up to a 30% coinsurance. Inpatient hospital stays feature no coinsurance but require copays for the first few days, while outpatient services and diagnostics generally carry a 30% coinsurance and no copay. Emergency care is covered with a $115 copay, and urgent care requires a 30% coinsurance with no copay. The plan also features valuable supplemental benefits with no copay and no coinsurance, including preventive dental care up to a $3,000 annual limit, routine vision exams with a $355 eyewear allowance, and hearing aids up to a $2,500 limit every three years. Additionally, members can access up to 24 free one-way transportation trips per year and receive a $106 quarterly allowance for over-the-counter items. Home health services are also fully covered with no copay or coinsurance.