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Texas Independence Community Plan (HMO I-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Texas Independence Community Plan (HMO I-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Texas Independence Community Plan (HMO I-SNP) in 2026, please refer to our full plan details page.
Texas Independence Community Plan (HMO I-SNP) is a HMO I-SNP plan offered by Regency ISNP Holdings LLC available for enrollment in 2025 to people living in Texas (Partial). This plan received an overall rating of 5 out of 5 stars in 2026.
It's important to know that Texas Independence Community Plan (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:
Texas Independence Community Plan (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 Texas Independence Community Plan (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 Texas Independence Community Plan (HMO I-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $4.80. 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 $9250.00 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 Texas Independence Community Plan (HMO I-SNP) features an annual drug deductible of $615 for its prescription drug coverage. This deductible represents the amount you must pay out of pocket for your medications before the plan begins to cover its share of the costs. Understanding this initial cost is an essential step when evaluating whether this Medicare plan fits your budget and prescription drug needs. Specific details regarding copayments, coinsurance, and drug tier classifications are currently unavailable for this plan. To get a complete picture of your potential out-of-pocket expenses, we recommend contacting the plan provider directly to verify how your specific medications are covered. This ensures you have the most accurate cost estimates for your prescriptions before making an enrollment decision.
Additional Benefits
The Texas Independence Community Plan (HMO I-SNP) offers comprehensive healthcare coverage where most outpatient, primary care, specialist, diagnostic, and emergency services require no copay and a 20% coinsurance. Inpatient hospital stays are covered with Medicare-defined copays and no coinsurance, while home health and skilled nursing facility services are available with no copay and no coinsurance. Enrollees also benefit from dental coverage of up to $2,000 annually and hearing aid coverage up to $1,000 every two years with no copays. Additionally, the plan includes a $150 annual vision allowance, up to 10 one-way transportation trips per year, and a $55 quarterly over-the-counter item allowance with no copays or coinsurance.
Inpatient Hospital See details
Texas Independence Community Plan (HMO I-SNP) partially covers inpatient acute and psychiatric hospital services with Medicare-defined copays and no coinsurance, subject to prior authorization. Additional hospital days, non-Medicare-covered stays, and acute room upgrades are not covered.
Outpatient Services See details
Texas Independence Community Plan (HMO I-SNP) covers outpatient services, including outpatient hospital, ambulatory surgical center, outpatient substance abuse, and outpatient blood services, with no copays and a 20% coinsurance. Prior authorization is required for ambulatory surgical center and outpatient substance abuse services, and there is no deductible for outpatient blood services.
Partial Hospitalization See details
Texas Independence Community Plan (HMO I-SNP) covers partial hospitalization services with no copay and a 20% coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Texas Independence Community Plan (HMO I-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay, subject to prior authorization. Transportation services are partially covered with no copay and no coinsurance, providing up to 10 one-way trips per year to any health-related location, though plan-approved health-related location transport is not covered.
Emergency Services See details
Texas Independence Community Plan (HMO I-SNP) covers emergency and urgent care services with no copay and a 20% coinsurance, which counts toward the plan-level deductible. Coinsurance is waived upon hospital admission within 24 hours for emergencies (up to $100 per visit) or 3 days for urgent care (up to $40 per visit), while worldwide emergency, urgent, and transportation services are not covered.
Primary Care See details
Texas Independence Community Plan (HMO I-SNP) covers primary care, specialist, therapy, and mental health services with no copay and a 20% coinsurance. Although chiropractic services are covered, routine and other chiropractic services are not covered, and routine podiatry is limited to six visits per year with no copay and a 20% coinsurance.
Preventive Services See details
Preventive services are partially covered by the Texas Independence Community Plan (HMO I-SNP), with covered services like annual physical exams, kidney disease education, glaucoma screenings, and diabetes self-management training requiring no copay and a 20% coinsurance. Additional preventive benefits, including fitness benefits, health education, and personal emergency response systems, are not covered under this plan.
Hearing Services See details
Texas Independence Community Plan (HMO I-SNP) partially covers hearing services, offering routine hearing exams with no copay and a 20% coinsurance, alongside prescription hearing aids with no copay or coinsurance up to a $1,000 maximum every two years. Over-the-counter (OTC) hearing aids are not covered under this plan.
Vision Services See details
Texas Independence Community Plan (HMO I-SNP) partially covers vision services with no copays and a 20% coinsurance for routine eye exams and contact lenses, while other covered eyewear features no coinsurance. Eyewear benefits are subject to a combined $150 annual limit, and excluded services include upgrades, other eye exam services, and combined eyeglasses (lenses and frames).
Dental Services See details
Texas Independence Community Plan (HMO I-SNP) covers Medicare-covered dental services with no copay and a 20% coinsurance. Other preventive and comprehensive dental services, including cleanings, x-rays, and implants, are covered with no copay and no coinsurance up to a maximum annual benefit of $2,000.
Home Infusion bundled Services See details
The Texas Independence Community Plan (HMO I-SNP) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B drugs—including chemotherapy, radiation, and insulin—subject enrollees to coinsurance ranging from no coinsurance to 20%, with insulin drugs also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered under the Texas Independence Community Plan (HMO I-SNP) with no copay and a 20% coinsurance.
Medical Equipment See details
Texas Independence Community Plan (HMO I-SNP) covers medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic supplies, with no copay and a 20% coinsurance. Prior authorization is required for durable medical equipment and prosthetics.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the Texas Independence Community Plan (HMO I-SNP) with no copay and a 20% coinsurance, though prior authorization is required. This coverage includes diagnostic procedures, lab services, outpatient X-rays, and both diagnostic and therapeutic radiological services.
Home Health Services See details
Home Health Services are covered by the Texas Independence Community Plan (HMO I-SNP) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Texas Independence Community Plan (HMO I-SNP) covers some cardiac rehabilitation services with no copay, though standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) rehabilitation services are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Texas Independence Community Plan (HMO I-SNP) partially covers Skilled Nursing Facility (SNF) services with no copay and no coinsurance, though prior authorization is required. While standard Medicare-covered days do not require a prior three-day inpatient hospital stay, additional days beyond the Medicare limit are not covered.
Other Services See details
Other services are partially covered by the Texas Independence Community Plan (HMO I-SNP), which offers an over-the-counter (OTC) item benefit of $55 every three months with no copay and no coinsurance. Acupuncture, meal benefits, nicotine replacement therapy, and naloxone are not covered under this plan.
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