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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 2026, 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 2026.
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 $23.20. 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 $8950.00 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) Medicare Advantage plan features an annual prescription drug deductible of $615. This deductible is the amount you will need to pay out-of-pocket for your covered medications before the plan's coverage begins. Specific drug coverage tier details, including copayments and coinsurance amounts, are currently unavailable for this plan. To determine your precise medication costs and see how your specific prescriptions are covered, you should consult the plan's formulary or contact the provider directly.
Additional Benefits
The KeyCare Advantage (HMO I-SNP) plan offers comprehensive healthcare coverage featuring no copay for primary care, specialist visits, outpatient services, and diagnostics, which generally require a 20% coinsurance. Inpatient hospital services also require no copay, though a deductible and Medicare-defined coinsurance apply. Emergency and urgent care are covered with no copay and a 20% coinsurance, with costs capped at $95 and $40 per visit, respectively. For supplemental care, the plan provides dental benefits up to $2,675 annually and hearing aid coverage up to $1,750 annually, both with no copay and no coinsurance. Vision benefits include routine exams with no copay and eyewear coverage up to $635 with a 20% coinsurance. Additionally, home health, skilled nursing, and an over-the-counter allowance of $55 every three months are covered with no copay and no coinsurance.
Inpatient Hospital See details
KeyCare Advantage (HMO I-SNP) partially covers inpatient hospital services, offering acute and psychiatric care with no copay, though a deductible, Medicare-defined coinsurance, and prior authorization apply. Additional days, upgrades, and non-Medicare-covered stays are not covered under this plan.
Outpatient Services See details
KeyCare Advantage (HMO I-SNP) covers outpatient services, including outpatient hospital, observation, ambulatory surgical center, and substance abuse treatments, with no copay and a 20% coinsurance. Prior authorization is required for most of these services, and outpatient blood services are covered with no deductible.
Partial Hospitalization See details
KeyCare Advantage (HMO I-SNP) covers partial hospitalization with no copay and a 20% coinsurance. Prior authorization is required for some of these services.
Ambulance and Transportation Services See details
KeyCare Advantage (HMO I-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay, with prior authorization required. Transportation services are not covered.
Emergency Services See details
KeyCare Advantage (HMO I-SNP) covers emergency services with a 20% coinsurance (up to $95 per visit) and no copay, and urgently needed services with a 20% coinsurance (up to $40 per visit) and no copay. While some worldwide emergency services are covered, 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, specialist visits, mental health, therapy, and telehealth services with no copay and a 20% coinsurance. Opioid treatment program services are covered with no copay and no coinsurance, while routine and other chiropractic services are not covered.
Preventive Services See details
KeyCare Advantage (HMO I-SNP) preventive services are partially covered with no copay and no coinsurance for Medicare-covered zero-dollar services, kidney disease education, and screenings like glaucoma and diabetes training. However, annual physical exams are not covered, and additional preventive services—including fitness benefits, health education, and in-home support—are not covered in practice.
Hearing Services See details
KeyCare Advantage (HMO I-SNP) covers hearing exams with no copay, though routine exams require a 20% coinsurance. Prescription hearing aids are covered with no copay and no coinsurance up to a $1,750 annual limit, but OTC hearing aids and inner, outer, or over-the-ear prescription models are not covered.
Vision Services See details
KeyCare Advantage (HMO I-SNP) offers partially covered vision services with no deductibles, including one routine eye exam per year with no copay and no coinsurance, and eyewear with no copay and 20% coinsurance for contact lenses up to a $635 annual maximum. Other eye exam services, eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by KeyCare Advantage (HMO I-SNP), offering up to $2,675 in annual coverage with no copay and no coinsurance for most preventive and comprehensive services. Medicare-covered dental services require no copay and a 20% coinsurance, while other preventive dental services, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
KeyCare Advantage (HMO I-SNP) covers home infusion bundled services with no copay and no coinsurance, subject to prior authorization. Associated Medicare Part B chemotherapy, radiation, and other drugs have no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin drugs require a $35 copay and up to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by KeyCare Advantage (HMO I-SNP) with no copay and a 20% coinsurance.
Medical Equipment See details
KeyCare Advantage (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 prosthetic devices or medical supplies.
Diagnostic and Radiological Services See details
Diagnostic and radiological services, including lab services, therapeutic radiological services, and X-rays, are covered by KeyCare Advantage (HMO I-SNP) with no copay and a 20% coinsurance. Prior authorization is required for all of these diagnostic and radiological services.
Home Health Services See details
Home Health Services are covered by KeyCare Advantage (HMO I-SNP) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
KeyCare Advantage (HMO I-SNP) covers some cardiac rehabilitation services with no copay and a 20% coinsurance, subject to prior authorization. Under this plan, some services are covered, but cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by KeyCare Advantage (HMO I-SNP) with no copay and no coinsurance, though prior authorization is required and additional days beyond Medicare-covered limits are not covered. This benefit does not require a prior three-day inpatient hospital stay for admission.
Other Services See details
KeyCare Advantage (HMO I-SNP) partially covers other services, offering over-the-counter (OTC) items with no copay and no coinsurance up to a maximum reimbursement of $55 every three months. However, acupuncture, meal benefits, nicotine replacement therapy, and naloxone coverage are not covered under this benefit.
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
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