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Senior Care (HMO I-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Senior Care (HMO I-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Senior Care (HMO I-SNP) in 2026, please refer to our full plan details page.
Senior Care (HMO I-SNP) is a HMO I-SNP plan offered by Curana Health Holdings, LLC available for enrollment in 2025 to people living in Michigan (partial). This plan received an overall rating of 2.5 out of 5 stars in 2026.
It's important to know that Senior Care (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:
Senior Care (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 Senior Care (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 Senior Care (HMO I-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $8.80. 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 $6500.00 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 Senior Care (HMO I-SNP) Medicare plan features an annual prescription drug deductible of $615. This means you must pay this deductible amount out-of-pocket for your covered medications before the plan begins to cover its share of your prescription costs. Specific drug coverage tier details, including individual copayments and coinsurance rates, are not available for this plan. To determine your exact prescription costs, you should check the plan's formulary to see how your specific medications are categorized.
Additional Benefits
The Senior Care (HMO I-SNP) plan offers robust medical coverage with no copay for primary care doctor visits, home health services, and skilled nursing facility stays. For specialist visits, outpatient services, and medical equipment, members typically pay no copay and a 20% coinsurance. Inpatient hospital stays are covered with no copay, though standard Medicare-defined deductibles and coinsurance apply. Additionally, the plan features generous dental, vision, and hearing benefits, including up to a $3,500 annual dental limit and a $200 eyewear allowance with no copays. Members also receive no-copay over-the-counter items, no-copay hearing aids, and up to 16 round-trip transportation rides per year to health-related locations. Emergency room visits require a $90 copay, which is waived if you are admitted to the hospital within three days.
Inpatient Hospital See details
Senior Care (HMO I-SNP) covers inpatient acute and psychiatric hospital stays with no copay, although Medicare-defined deductibles and coinsurance apply and prior authorization is required. This benefit is partially covered, as additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Senior Care (HMO I-SNP) covers outpatient hospital services with a 20% coinsurance and observation services with a $100 copay per stay. Ambulatory surgical center, outpatient substance abuse, and outpatient blood services are all covered with no copay and a 20% coinsurance.
Partial Hospitalization See details
Senior Care (HMO I-SNP) covers partial hospitalization services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Senior Care (HMO I-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay, subject to prior authorization. Transportation to any health-related location is covered with no copay or coinsurance for up to 16 round trips per year, though transportation to plan-approved health-related locations is not covered.
Emergency Services See details
Emergency services are covered by Senior Care (HMO I-SNP) with a $90 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 3 days. Urgently needed services are covered with a 20% coinsurance (up to $50 per visit) and no copay, while worldwide emergency, urgent, and transportation services are not covered.
Primary Care See details
Senior Care (HMO I-SNP) offers primary care physician visits and opioid treatment with no copay and no coinsurance. Specialist visits, therapy, and psychiatric care feature no copay and 20% coinsurance, while mental health specialty services require a $10 to $20 copay and no coinsurance. For chiropractic services, some services are covered but routine chiropractic care and other chiropractic services are not covered.
Preventive Services See details
Senior Care (HMO I-SNP) partially covers preventive services with no copay and no coinsurance for covered benefits like kidney disease education, in-home support, and glaucoma screenings. However, several services are not covered, including annual physical exams, fitness benefits, health education, and personal emergency response systems.
Hearing Services See details
Senior Care (HMO I-SNP) covers hearing exams with no copay and a 20% coinsurance for routine visits, and OTC hearing aids with no copay or coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance up to a $2,750 maximum every two years, though inner ear, outer ear, and over the ear devices are not covered.
Vision Services See details
Vision services are partially covered by Senior Care (HMO I-SNP), offering one routine eye exam per year with no copay and 20% coinsurance, though other eye exam services are not covered. Eyewear is covered with no copay, 20% coinsurance for contact lenses, and a $200 combined annual maximum benefit for glasses, contacts, and upgrades.
Dental Services See details
Dental services are partially covered by Senior Care (HMO I-SNP) up to a $3,500 annual maximum, with no copay and 20% coinsurance for Medicare-covered dental, and no copay and no coinsurance for most other preventive and comprehensive services. However, other preventive dental services, maxillofacial prosthetics, and orthodontics are not covered.
Home Infusion bundled Services See details
Senior Care (HMO I-SNP) covers Home Infusion bundled Services with no copay and no coinsurance, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy and radiation, have a 0% to 20% coinsurance, while Part B insulin requires a $35 copay and a 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Senior Care (HMO I-SNP) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Senior Care (HMO I-SNP) covers medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic equipment, with no copay and a 20% coinsurance. Prior authorization is required for durable medical equipment and prosthetics.
Diagnostic and Radiological Services See details
Senior Care (HMO I-SNP) partially covers diagnostic and radiological services with a 20% coinsurance and no copay, though prior authorization is required. Lab services and outpatient X-ray services are not covered under this plan.
Home Health Services See details
Senior Care (HMO I-SNP) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Senior Care (HMO I-SNP) covers Cardiac Rehabilitation Services with no copay, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) services are not covered in practice and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Senior Care (HMO I-SNP) covers Skilled Nursing Facility (SNF) care with no copay and no coinsurance, though prior authorization is required. Patients can be admitted without a prior three-day inpatient hospital stay, but additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by Senior Care (HMO I-SNP), which offers over-the-counter (OTC) items with no copay and no coinsurance. Acupuncture, meal benefits, Naloxone, and certain drugs on the CMS OTC list are not covered.
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