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Premier Care (HMO-POS I-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Premier Care (HMO-POS I-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Premier Care (HMO-POS I-SNP) in 2026, please refer to our full plan details page.
Premier Care (HMO-POS I-SNP) is a HMO-POS 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 Premier Care (HMO-POS I-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Premier Care (HMO-POS 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 Premier Care (HMO-POS 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 Premier Care (HMO-POS I-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. 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 $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 combined Maximum Out-Of-Pocket cost of $4700.00 (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 $4700.00 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 Premier Care (HMO-POS I-SNP) Medicare plan features an annual prescription drug deductible of $615. Under this plan, Tier 1 preferred generic drugs require a $2.00 copay for a 1-month supply, while Tier 2 generic drugs cost $15.00 per month at standard pharmacies and through standard mail order. Multi-month options are also available, with a 3-month supply costing $6.00 for Tier 1 and $45.00 for Tier 2. For Tier 3 preferred brand drugs, you will pay a $45.00 copay for a 1-month supply, which increases to $135.00 for a 3-month supply. Tier 4 non-preferred drugs carry a $95.00 monthly copay, whereas Tier 5 specialty medications require a 25% coinsurance for a 1-month supply. These cost-sharing rates apply to both standard retail pharmacies and standard mail-order services.
Additional Benefits
Premier Care (HMO-POS I-SNP) offers comprehensive coverage for core medical needs, featuring no copay for primary care, physical therapy, and home health services. Specialist visits require a budget-friendly $10 copay, while inpatient hospital stays have a $230 copay for days one through six and no copay for days seven through 90. Outpatient hospital services require no coinsurance and a copay ranging from no copay up to $225, with emergency room visits set at a $90 copay. Supplemental benefits include preventive and comprehensive dental services with no copay up to a $3,500 annual limit. Routine vision and hearing exams are covered with no copay, and members receive a $200 annual eyewear allowance alongside up to $1,560 every two years for prescription hearing aids. Members also enjoy no copay for over-the-counter items and up to 24 one-way transportation trips per year to health-related destinations with no copay or coinsurance.
Inpatient Hospital See details
Premier Care (HMO-POS I-SNP) partially covers inpatient hospital services with no coinsurance, requiring a $230 copay for days 1 through 6 of acute stays and no copay for days 7 through 90. While unlimited additional acute days are covered, acute hospital upgrades, psychiatric additional days, and non-Medicare-covered psychiatric stays are not covered.
Outpatient Services See details
Outpatient services are covered under Premier Care (HMO-POS I-SNP), with outpatient hospital services requiring no coinsurance and a copay of $0 to $225, and observation services requiring a $100 copay per stay. Ambulatory surgical center, outpatient substance abuse, and outpatient blood services all feature no copay and a 20% coinsurance.
Partial Hospitalization See details
Premier Care (HMO-POS I-SNP) covers partial hospitalization services with no copay and a 20% coinsurance. Prior authorization is required for some of these covered services.
Ambulance and Transportation Services See details
Premier Care (HMO-POS I-SNP) covers ground ambulance services with a $250 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay. Transportation services are partially covered with no copay and no coinsurance for up to 24 one-way trips per year to any health-related location, while transportation to plan-approved health-related locations is not covered.
Emergency Services See details
Emergency services are covered by Premier Care (HMO-POS I-SNP) with a $90 copay and no coinsurance, while urgently needed services require a $40 copay and no coinsurance. These fees do not apply to the plan deductible, and both copays are waived if you are admitted to the hospital within three days. Worldwide emergency, urgent, and transportation services are not covered.
Primary Care See details
Premier Care (HMO-POS I-SNP) covers primary care, occupational therapy, physical therapy, speech-language pathology, and opioid treatment with no copay and no coinsurance, while specialist visits require a $10 copay and no coinsurance. Chiropractic services are partially covered—excluding other chiropractic services—with a $30 copay and 20% coinsurance for routine visits. Mental health, psychiatric, podiatry, and telehealth services are also covered with copays ranging from no copay up to $20 and coinsurance up to 20%.
Preventive Services See details
Premier Care (HMO-POS I-SNP) preventive services are partially covered with no copay and no coinsurance for covered options like kidney disease education and in-home support. However, annual physical exams, fitness benefits, health education, in-home safety assessments, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home safety devices, and counseling are not covered.
Hearing Services See details
Premier Care (HMO-POS I-SNP) covers hearing services, featuring routine hearing exams with no copay and 20% coinsurance, and OTC hearing aids with no copay and no coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance up to $1,560 every two years, but inner ear, outer ear, and over-the-ear types are not covered.
Vision Services See details
Premier Care (HMO-POS I-SNP) covers vision services with no copay, offering one routine eye exam per year with a 20% coinsurance, though other eye exam services are not covered. Eyewear is covered up to a $200 annual limit with no copay, requiring a 20% coinsurance for contact lenses and no coinsurance for eyeglasses, frames, lenses, and upgrades.
Dental Services See details
Premier Care (HMO-POS I-SNP) provides partially covered dental services, featuring Medicare-covered dental care with no copay and a 20% coinsurance. Preventive and comprehensive dental services are available with no copay and no coinsurance up to a $3,500 annual maximum, though other preventive services, orthodontics, and maxillofacial prosthetics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Premier Care (HMO-POS I-SNP) with no copay and no coinsurance, although prior authorization is required. Associated Medicare Part B chemotherapy and other drugs carry no copay and 0% to 20% coinsurance, while Part B insulin drugs require a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Premier Care (HMO-POS I-SNP) covers Dialysis Services with no copay and a 20% coinsurance.
Medical Equipment See details
Medical equipment is covered by Premier Care (HMO-POS I-SNP) with no copay and a 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes. This benefit is partially covered, as diabetic supplies are not covered under this plan.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are partially covered by Premier Care (HMO-POS I-SNP) with no copay and a 20% coinsurance, subject to prior authorization. Covered benefits include diagnostic procedures, diagnostic radiological services, and therapeutic radiological services, while lab services and outpatient X-ray services are not covered.
Home Health Services See details
Home Health Services are covered under the Premier Care (HMO-POS I-SNP) plan with no copay and no coinsurance. Prior authorization is required to receive this benefit.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are offered by Premier Care (HMO-POS I-SNP) with no copay, but only some services are covered. Specifically, cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Premier Care (HMO-POS I-SNP) with no copay, though prior authorization and Medicare-defined coinsurance apply. Admission does not require a prior three-day inpatient hospital stay, but additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Premier Care (HMO-POS I-SNP) partially covers other services, providing over-the-counter (OTC) items with no copay and no coinsurance. Acupuncture, meal benefits, and other additional services are not covered under this benefit.
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