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Align Kidney Care (HMO-POS C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Align Kidney Care (HMO-POS C-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Align Kidney Care (HMO-POS C-SNP) in 2025, please refer to our full plan details page.
Align Kidney Care (HMO-POS C-SNP) is a HMO-POS C-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 3 out of 5 stars in 2025.
It's important to know that Align Kidney Care (HMO-POS C-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Align Kidney Care (HMO-POS C-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 Align Kidney Care (HMO-POS C-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 Align Kidney Care (HMO-POS C-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $26.60. 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 $590.00 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 combined Maximum Out-Of-Pocket cost of $9350.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $9350.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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 Align Kidney Care (HMO-POS C-SNP) plan has an enhanced alternative drug benefit. The plan has a deductible of $590. Once you meet your deductible, you will pay a copay or coinsurance for your prescriptions depending on the drug tier and the pharmacy you use. In the initial coverage phase, you will pay $15 for preferred generic drugs and $45 for standard generic drugs at standard pharmacies. Preferred brand drugs have a $95 copay, and non-preferred drugs have a 25% coinsurance. Specialty tier drugs have no copay. After your total drug costs reach $2000, you enter the catastrophic coverage phase, where you pay nothing for your prescriptions.
Additional Benefits
The Align Kidney Care (HMO-POS C-SNP) plan offers a range of benefits, including coverage for inpatient and outpatient hospital services, with varying coinsurance rates. Emergency, primary care, and home health services are covered, with the plan offering no copay for some of these services. This plan also covers hearing, vision, and dental services, with coinsurance requirements and maximum benefit limits. Home infusion, dialysis, and medical equipment are also covered, along with diagnostic and radiological services. However, certain services like cardiac rehabilitation, additional home health care, and some preventive services are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, but the plan does not cover additional days, non-Medicare covered stays, or upgrades for either. Prior authorization is required for both, and cost sharing details including deductible and coinsurance information are available.
Outpatient Services See details
Outpatient Services include coverage for Outpatient Hospital Services with a 20% coinsurance, Observation Services with a $100 copay, Ambulatory Surgical Center (ASC) Services with a 20% coinsurance, and Outpatient Substance Abuse Services, including Individual and Group Sessions, each with a 20% coinsurance. Outpatient Blood Services are not covered.
Partial Hospitalization See details
Partial Hospitalization is covered by the Align Kidney Care (HMO-POS C-SNP) plan, but requires prior authorization. You will pay 20% coinsurance for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with a 20% coinsurance for both ground and air ambulance services. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, including Urgently Needed Services, are covered under the Align Kidney Care (HMO-POS C-SNP) plan. You will pay a $90 copay for Emergency Services and a $25 copay for Urgently Needed Services, with no coinsurance for either service. Worldwide Emergency Services, Worldwide Urgent Coverage, and Worldwide Emergency Transportation are not covered.
Primary Care See details
Primary care physician services, occupational therapy services, physician specialist services, mental health specialty services, podiatry services, other health care professional services, psychiatric services, physical therapy and speech-language pathology services, additional telehealth benefits, and opioid treatment program services are covered. Chiropractic Services are covered, but routine care is not covered and requires prior authorization with a 20% coinsurance. Individual and group sessions for mental health services, and group sessions for psychiatric services have a 20% coinsurance. Physical therapy and speech-language pathology services have a 20% coinsurance and require authorization. Additional telehealth benefits have a coinsurance between 0% and 20%. Podiatry services have a 20% coinsurance for routine foot care.
Preventive Services See details
Preventive Services are covered under the Align Kidney Care (HMO-POS C-SNP) plan, but annual physical exams, health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge in-home medication reconciliation, re-admission prevention, wigs for hair loss related to chemotherapy, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support services, support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, fitness benefits, enhanced disease management, telemonitoring services, remote access technologies, home and bathroom safety devices and modifications, and counseling services are not covered. Other covered services include glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKGs following a welcome visit.
Hearing Services See details
Hearing services include coverage for hearing exams with a coinsurance of at most 20%, and prescription hearing aids, with a maximum benefit of $2,000 every two years, but prescription hearing aids for the inner, outer, and over the ear are not covered. This plan also covers OTC hearing aids.
Vision Services See details
Vision Services include coverage for eye exams and eyewear. Eye exams have a 20% coinsurance, while eyewear, including contact lenses, eyeglasses (lenses and frames), eyeglass lenses, and eyeglass frames, also have a 20% coinsurance with a combined maximum plan benefit of $150.00 per year.
Dental Services See details
Dental Services are covered, including Medicare Dental Services with 20% coinsurance and other dental services with no maximum plan benefit coverage. Oral exams, Dental X-Rays, Prophylaxis (Cleaning), and Fluoride Treatment are covered with limitations on the number of visits, while Orthodontic Services are covered up to a maximum of $2000 per year. Other Diagnostic Dental Services and Implant Services are unlimited. Other services are also covered, with limitations on the number of visits.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs. Medicare Part B Insulin Drugs have a $35 copay and 0-20% coinsurance, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have 0-20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the Align Kidney Care (HMO-POS C-SNP) plan. There is a 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment is covered by the Align Kidney Care (HMO-POS C-SNP) plan, with a 20% coinsurance for Durable Medical Equipment (DME), Prosthetic Devices, and Medical Supplies, though Durable Medical Equipment for use outside the home and Diabetic Supplies are not covered. Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, with no copay for any services. Diagnostic Procedures/Tests and Diagnostic Radiological Services have a coinsurance of at most 20%, while Lab Services are not covered. Therapeutic Radiological Services and Outpatient X-Ray Services have a coinsurance of at most 20%.
Home Health Services See details
Home Health Services are covered by the Align Kidney Care (HMO-POS C-SNP) plan with no copay and no coinsurance, but authorization is required. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Align Kidney Care (HMO-POS C-SNP) plan. Specifically, Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are covered by the Align Kidney Care (HMO-POS C-SNP) plan, but additional days beyond Medicare coverage and non-Medicare-covered stays are not covered. Prior authorization is required, and coinsurance information is available in the plan details.
Other Services See details
The Align Kidney Care (HMO-POS C-SNP) plan's "Other Services" benefit includes Over-the-Counter (OTC) Items and Meal Benefits. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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