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Erickson Advantage Signature (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Erickson Advantage Signature (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Erickson Advantage Signature (HMO-POS) in 2026, please refer to our full plan details page.
Erickson Advantage Signature (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Erickson Campuses - CO,KS,MA,MD,MI,NJ,PA,TX,VA,NC. This plan received an overall rating of 5 out of 5 stars in 2026.
It's important to know that Erickson Advantage Signature (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 Erickson Advantage Signature (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 Erickson Advantage Signature (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $182.00. 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 $270.00 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 $5300.00 for in-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $5300.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
This plan has a Maximum Out-Of-Pocket cost of $2900.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $5300.00 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 Erickson Advantage Signature (HMO-POS) plan features an annual drug deductible of $270. Under this plan, Tier 1 preferred generic drugs have no copay for standard pharmacy fills and mail-order services. For Tier 2 generic drugs, you will pay a $5 copay for a 1-month supply at standard pharmacies, while a 3-month supply through preferred mail order has no copay. Higher-tier medications shift to coinsurance, with Tier 3 preferred brand drugs requiring a 19% coinsurance for both standard pharmacies and mail-order options. Tier 4 non-preferred drugs carry a 41% coinsurance for a 1-month supply, while Tier 5 specialty drugs require a 30% coinsurance across standard pharmacy and mail-order options. This structure helps keep common generic medications highly affordable while sharing costs for brand-name and specialty prescriptions.
Additional Benefits
The Erickson Advantage Signature (HMO-POS) plan offers comprehensive medical coverage with no copay and no coinsurance for inpatient hospital stays, primary care, specialist visits, home health care, and skilled nursing facility care for up to 100 days. Outpatient services also feature no coinsurance, with copays ranging from no copay up to $200 depending on the service. Emergency care is covered with a $130 copay, which is waived upon admission, while urgent care and worldwide emergency services are available with no copay. Routine wellness benefits include no copay and no coinsurance for preventive dental care, annual eye exams, routine hearing exams, and select preventive services. Members also pay no copay for diabetic supplies and over-the-counter items, though durable medical equipment, prosthetics, and dialysis services require a 20% coinsurance. Hearing aids and eyeglass lenses are covered with specific copays and no coinsurance, though comprehensive dental services and routine transportation are not covered.
Inpatient Hospital See details
Erickson Advantage Signature (HMO-POS) covers inpatient acute and psychiatric hospital stays with no copay and no coinsurance, though prior authorization is required. While unlimited additional days are covered for acute stays at no cost, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services under Erickson Advantage Signature (HMO-POS) are covered with no coinsurance, featuring no copays for ambulatory surgical center, outpatient substance abuse, and blood services. Outpatient hospital services require a copay of $0 to $200, and observation services have a $200 daily copay, with prior authorization required for most outpatient care.
Partial Hospitalization See details
Partial hospitalization is covered by Erickson Advantage Signature (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required to access these services.
Ambulance and Transportation Services See details
Erickson Advantage Signature (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. Transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
Erickson Advantage Signature (HMO-POS) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature no coinsurance and a copay ranging from no copay to $50, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Erickson Advantage Signature (HMO-POS) provides primary care, specialist, therapy, and mental health services with no copay and no coinsurance. Chiropractic services are partially covered with a $20 copay and no coinsurance, though routine and other chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by Erickson Advantage Signature (HMO-POS) with no copay and no coinsurance for covered options like annual physicals, health education, home safety devices, kidney disease education, and select screenings. Sub-services that are not covered include fitness benefits, weight management, alternative therapies, therapeutic massage, nutritional/dietary benefits, personal emergency response systems, in-home support, caregiver support, telemonitoring, remote access, counseling, adult day health, palliative care, medication reconciliation, re-admission prevention, chemotherapy wigs, in-home safety assessments, medical nutrition therapy, and additional smoking cessation counseling.
Hearing Services See details
Hearing services are partially covered by Erickson Advantage Signature (HMO-POS), offering one annual routine hearing exam with no copay and no coinsurance, though hearing aid fitting and evaluation are not covered. Prescription hearing aids are also partially covered with a $199.00 to $1,249.00 copay and no coinsurance, excluding inner ear, outer ear, and over the ear types. Up to two OTC hearing aids are covered annually with a $199.00 to $829.00 copay and no coinsurance.
Vision Services See details
Vision services are covered by Erickson Advantage Signature (HMO-POS) with no deductible, featuring no copay or coinsurance for one routine annual eye exam, though other eye exam services are not covered. Eyewear is partially covered with no coinsurance, no copay for contacts or frames, and a $0 to $153 copay for eyeglass lenses up to a $100 limit every two years, while upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Erickson Advantage Signature (HMO-POS) offers partial coverage for dental services, featuring preventive care such as cleanings, exams, and x-rays with no copay and no coinsurance. Medicare-covered dental services are available with no copay and a 20% coinsurance, though prior authorization is required. Comprehensive dental services, including restorative, endodontics, periodontics, prosthodontics, implants, and oral surgery, are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Erickson Advantage Signature (HMO-POS) with no copay, though prior authorization and step therapy apply. Associated Medicare Part B chemotherapy, radiation, and other drugs require a coinsurance ranging from no coinsurance up to 15%, while Part B insulin is covered with a $35 copay and a coinsurance ranging from no coinsurance up to 15%.
Dialysis Services See details
Dialysis services are covered under the Erickson Advantage Signature (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Medical equipment is covered under Erickson Advantage Signature (HMO-POS) with no copay and a 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes. Diabetic supplies are covered with no copay, and prior authorization is required for these services.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by Erickson Advantage Signature (HMO-POS) with no coinsurance, though prior authorization is required. Members pay no copay for lab services, a $5 copay for diagnostic procedures and tests, copays starting at $0 for diagnostic radiology, a $25 copay for outpatient X-rays, and copays starting at $35 for therapeutic radiology services.
Home Health Services See details
Erickson Advantage Signature (HMO-POS) covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by Erickson Advantage Signature (HMO-POS) with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by Erickson Advantage Signature (HMO-POS) with no copay and no coinsurance for days 1 through 100, and does not require a prior three-day hospital stay. Prior authorization is required, and additional days beyond the standard Medicare-covered 100 days are not covered.
Other Services See details
Erickson Advantage Signature (HMO-POS) partially covers other services, providing over-the-counter (OTC) items with no copay and no coinsurance. Acupuncture and meal benefits are not covered under this plan.
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