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KeyCare Advantage (HMO I-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for KeyCare Advantage (HMO I-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on KeyCare Advantage (HMO I-SNP) in 2025, please refer to our full plan details page.
KeyCare Advantage (HMO I-SNP) is a HMO I-SNP plan offered by ISNP Holdings, LLC available for enrollment in 2025 to people living in Maryland (partial). This plan received an overall rating of 3.5 out of 5 stars in 2025.
It's important to know that KeyCare Advantage (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:
KeyCare Advantage (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 KeyCare Advantage (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 KeyCare Advantage (HMO I-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $46.30. 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 Maximum Out-Of-Pocket cost of $8825.00 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 KeyCare Advantage (HMO I-SNP) plan has a $590 deductible for prescription drugs. After you meet your deductible, you will pay the costs for your drugs based on the tier and pharmacy you use until your total drug costs reach $2000. Once your total drug costs reach $2000, you enter the catastrophic coverage phase and pay nothing for your Part D covered drugs. If you qualify for the low-income subsidy, you will pay $46.30.
Additional Benefits
The KeyCare Advantage (HMO I-SNP) plan offers a range of benefits with varying cost-sharing. Many services, such as outpatient, partial hospitalization, ambulance, emergency, primary care, hearing, vision, dental, home infusion, dialysis, medical equipment, diagnostic, and home health services, require coinsurance of up to 20%. Preventive services are covered with no copay. This plan also includes coverage for hearing exams, prescription hearing aids, routine eye exams, and dental services with specific limits. However, it's important to note that certain services like annual physical exams, additional preventive services, and some hearing and vision services are not covered. Additionally, services like cardiac rehabilitation, and other services are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits, including acute and psychiatric care, are covered under the KeyCare Advantage (HMO I-SNP) plan, but the specific cost-sharing details for coinsurance and deductibles are not provided. Additional days, non-Medicare-covered stays, and upgrades for both acute and psychiatric care are not covered.
Outpatient Services See details
Outpatient Services are covered, including outpatient hospital services and observation services with a 20% coinsurance, and ambulatory surgical center (ASC) services and outpatient substance abuse services with at least a 20% coinsurance. Outpatient blood services are not covered.
Partial Hospitalization See details
Partial Hospitalization is covered under the KeyCare Advantage (HMO I-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 by the KeyCare Advantage (HMO I-SNP) plan. Both Ground and Air Ambulance services have a 20% coinsurance, but there is no copay. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, including Urgently Needed Services, are covered by the KeyCare Advantage (HMO I-SNP) plan. Emergency Services have a 20% coinsurance, and Urgently Needed Services also have a 20% coinsurance, but no copay. Worldwide Emergency Services, including Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation, are not covered.
Primary Care See details
KeyCare Advantage (HMO I-SNP) covers Primary Care services, including Primary Care Physician Services, Physician Specialist Services, Physical Therapy, Speech-Language Pathology Services, and Additional Telehealth Benefits with a 20% coinsurance. Chiropractic Services and Occupational Therapy Services are covered with a 20% coinsurance, and require prior authorization. Mental Health and Psychiatric Services are covered with a 20% coinsurance for individual and group sessions. Podiatry Services and Other Health Care Professional services are covered with a 20% coinsurance. Routine Chiropractic Care is not covered.
Preventive Services See details
The KeyCare Advantage (HMO I-SNP) plan covers preventive services, including Medicare-covered preventive services with no copay. However, annual physical exams and several additional preventive services, such as health education and weight management programs, are not covered.
Hearing Services See details
KeyCare Advantage (HMO I-SNP) covers hearing exams with a coinsurance of at most 20% and routine hearing exams once every two years. Prescription hearing aids are covered with a maximum benefit of $1750 per year, though inner ear, outer ear, and over the ear hearing aids are not covered. Fitting/evaluation for hearing aids and OTC hearing aids are not covered.
Vision Services See details
KeyCare Advantage (HMO I-SNP) covers vision services, including routine eye exams once per year, and eyewear with 20% coinsurance for contact lenses. Eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
KeyCare Advantage (HMO I-SNP) covers dental services with a 20% coinsurance for Medicare dental services, and a $2,000 maximum benefit per year for other dental services. Oral exams are covered for up to 2 visits per year, and dental x-rays are covered for up to 2, while fluoride treatment is covered once every six months; all other dental services have a limit of 1 visit.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs with a $35 copay and 0-20% coinsurance, Medicare Part B Chemotherapy/Radiation Drugs with 0-20% coinsurance, and Other Medicare Part B Drugs with 0-20% coinsurance. Prior authorization is required.
Dialysis Services See details
Dialysis Services are covered under the KeyCare Advantage (HMO I-SNP) plan, with a coinsurance of 20%.
Medical Equipment See details
The KeyCare Advantage (HMO I-SNP) plan covers medical equipment, including Durable Medical Equipment (DME), with a 20% coinsurance, but Durable Medical Equipment for use outside the home is not covered. Prosthetics/Medical Supplies are covered with a 20% coinsurance, and Diabetic Equipment is covered with a 20% coinsurance for both Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services, including Diagnostic Procedures/Tests, Lab Services, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services, are covered by KeyCare Advantage (HMO I-SNP) with no copay. You will pay at most 20% coinsurance for Diagnostic Procedures/Tests, Lab Services, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services.
Home Health Services See details
Home Health Services are covered by the KeyCare Advantage (HMO I-SNP) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered. Prior authorization is required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the KeyCare Advantage (HMO I-SNP) plan. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, but additional days beyond Medicare-covered stays and non-Medicare-covered stays are not covered. Prior authorization is required for this benefit.
Other Services See details
Other services are not covered by the KeyCare Advantage (HMO I-SNP) plan. Specifically, acupuncture, over-the-counter items, meal benefits, 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), and other services are not covered.
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