AmeriHealth Caritas VIP Care (HMO D-SNP)

AmeriHealth Caritas 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 Broward, Miami-Dade, and Palm Beach counties. The overall rating for this plan is not yet available for 2026.

It's important to know that AmeriHealth Caritas 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 AmeriHealth Caritas 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 AmeriHealth Caritas VIP Care (HMO D-SNP) plan features an annual prescription drug deductible of $615. Under this plan, you will pay a 25% coinsurance for medications in Tiers 1 through 5, which cover generic, preferred brand, non-preferred, and specialty drugs. This 25% coinsurance applies to fills at standard pharmacies and through standard mail-order services. For Tier 6 select care drugs, the plan offers no copay at standard pharmacies for 1-month, 2-month, and 3-month supplies. You can also receive these select care medications with no copay through standard mail-order services for 2-month and 3-month supplies. This structure helps keep essential maintenance medications highly affordable.

Additional Benefits

The AmeriHealth Caritas VIP Care (HMO D-SNP) plan offers comprehensive medical coverage with manageable out-of-pocket costs. Primary care and specialist visits feature no copays, with coinsurance ranging up to 30%, while inpatient hospital stays require specific copays such as $1,100 for the first two days of acute stays. Outpatient care, diagnostics, and emergency services generally require a 20% to 30% coinsurance or fixed copays, including a $115 copay for emergency visits. For extra wellness support, the plan provides valuable supplemental benefits with no copays or coinsurance. Members receive up to a $2,500 annual allowance for dental services, a $2,000 annual allowance for prescription hearing aids, and a $415 annual limit for eyewear. Additionally, the plan covers unlimited transportation to approved health locations, an $80 monthly over-the-counter allowance, and up to 20 acupuncture visits per year.