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Alterwood Advantage Dual Secure (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Alterwood Advantage Dual Secure (HMO D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Alterwood Advantage Dual Secure (HMO D-SNP) in 2026, please refer to our full plan details page.
Alterwood Advantage Dual Secure (HMO D-SNP) is a HMO D-SNP plan offered by LifeBridge Health, Inc. available for enrollment in 2025 to people living in Select Maryland Counties. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that Alterwood Advantage Dual Secure (HMO D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Alterwood Advantage Dual Secure (HMO D-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 Alterwood Advantage Dual Secure (HMO D-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 Alterwood Advantage Dual Secure (HMO D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $28.10. 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 $9250.00 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 Alterwood Advantage Dual Secure (HMO D-SNP) plan features an annual prescription drug deductible of $615. This drug deductible is the amount you will need to pay out-of-pocket for your covered medications before your plan benefits kick in. Knowing this deductible cost is a key factor when comparing Medicare Advantage prescription drug plans. Specific drug coverage tier details, including individual copay and coinsurance amounts for different medication levels, are not available for this plan. To determine your exact out-of-pocket costs, you should check if your specific prescriptions are covered on the plan's formulary list.
Additional Benefits
The Alterwood Advantage Dual Secure (HMO D-SNP) plan offers comprehensive medical coverage with no copays across almost all services, making healthcare highly accessible. Essential care such as inpatient hospital stays, skilled nursing facility care, and home health services are fully covered with no copay and no coinsurance. For other key medical needs, including primary care visits, emergency services, outpatient care, and diagnostic tests, you will pay no copay and a 20% coinsurance. This plan also includes valuable supplemental benefits with no copays, such as 24 one-way transportation trips per year and routine hearing, vision, and dental care. You can benefit from no copay and no coinsurance on select dental services up to a $2,250 annual limit, hearing aids up to $1,350 every three years, and eyewear up to $300 every two years. Additionally, over-the-counter items and qualifying meals are provided with no copay and no coinsurance to support your daily wellness.
Inpatient Hospital See details
Alterwood Advantage Dual Secure (HMO D-SNP) partially covers inpatient hospital services with no copay and no coinsurance for acute and psychiatric stays, though prior authorization is required. Additional days, upgrades, and non-Medicare-covered stays are not covered under this benefit.
Outpatient Services See details
Alterwood Advantage Dual Secure (HMO D-SNP) covers outpatient services—including outpatient hospital, ambulatory surgical center, outpatient substance abuse, and outpatient blood services—with no copay and a 20% coinsurance. Prior authorization is required for outpatient hospital, ambulatory surgical center, and outpatient substance abuse services.
Partial Hospitalization See details
Partial hospitalization services are covered under the Alterwood Advantage Dual Secure (HMO D-SNP) plan with no copay and a 20% coinsurance, requiring prior authorization.
Ambulance and Transportation Services See details
Alterwood Advantage Dual Secure (HMO D-SNP) covers emergency ground and air ambulance services with a 20% coinsurance and no copay, subject to prior authorization. Transportation benefits are partially covered, providing up to 24 one-way trips per year to plan-approved health-related locations with no copay or coinsurance, though transportation to any health-related location is not covered.
Emergency Services See details
Alterwood Advantage Dual Secure (HMO D-SNP) covers emergency services and urgently needed services with a 20% coinsurance and no copay, which count toward your plan deductible. Some worldwide emergency services are covered, but worldwide emergency coverage, worldwide urgent coverage, and worldwide emergency transportation are not covered.
Primary Care See details
Primary care benefits under the Alterwood Advantage Dual Secure (HMO D-SNP) plan are covered with no copay and a 20% coinsurance for primary care provider and specialist visits. This same cost-sharing of no copay and 20% coinsurance also applies to therapy, chiropractic, mental health, podiatry, and telehealth services, though prior authorization or annual visit limits may apply.
Preventive Services See details
Preventive services are partially covered by Alterwood Advantage Dual Secure (HMO D-SNP) with no copays for all covered benefits, no coinsurance for fitness and re-admission prevention, and 20% coinsurance for kidney disease education, glaucoma screenings, diabetes training, rectal exams, and EKGs. Sub-services such as the annual physical exam, health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, bathroom modifications, and counseling are not covered.
Hearing Services See details
Alterwood Advantage Dual Secure (HMO D-SNP) covers hearing services, featuring routine hearing exams with no copay and 20% coinsurance, alongside fitting evaluations with no copay. Prescription hearing aids are covered with no copay and no coinsurance up to a $1,350 limit every three years, though OTC hearing aids and inner ear, outer ear, or over-the-ear prescription models are not covered.
Vision Services See details
Vision services are covered by the Alterwood Advantage Dual Secure (HMO D-SNP) with no deductibles, offering one routine eye exam annually with no copay and a 20% coinsurance, though other exam types are not covered. Eyewear is partially covered with no copay up to a $300 combined maximum every two years, including a 20% coinsurance for contact lenses, while upgrades are excluded.
Dental Services See details
Alterwood Advantage Dual Secure (HMO D-SNP) features partially covered dental services, offering Medicare-covered dental with no copay and 20% coinsurance, and other covered dental services with no copay, no coinsurance, and a $2,250 annual maximum. Covered services include exams, cleanings, and extractions, but other diagnostic, other preventive, maxillofacial prosthetics, implants, fixed prosthodontics, and orthodontics are not covered.
Home Infusion bundled Services See details
Alterwood Advantage Dual Secure (HMO D-SNP) covers Home Infusion bundled Services with no copay, though prior authorization and step therapy are required. Under this benefit, Medicare Part B insulin has a $35 copay and no coinsurance, while chemotherapy and other Part B drugs feature a 0% to 20% coinsurance.
Dialysis Services See details
Alterwood Advantage Dual Secure (HMO D-SNP) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive this covered benefit.
Medical Equipment See details
Alterwood Advantage Dual Secure (HMO D-SNP) covers medical equipment with no copay, though prior authorization is required. Durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts carry a 20% coinsurance, while diabetic supplies range from no coinsurance to 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Alterwood Advantage Dual Secure (HMO D-SNP) with no copayment and a 20% coinsurance, subject to prior authorization. This coverage includes outpatient diagnostic tests, lab services, therapeutic radiological services, and outpatient X-rays.
Home Health Services See details
Home health services are covered by Alterwood Advantage Dual Secure (HMO D-SNP) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are technically covered with no copay under the Alterwood Advantage Dual Secure (HMO D-SNP) plan, but only some services are covered in practice. Standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (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 Alterwood Advantage Dual Secure (HMO D-SNP) with no copay and no coinsurance, though prior authorization is required. A three-day inpatient hospital stay prior to admission is not required, but additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by Alterwood Advantage Dual Secure (HMO D-SNP), which offers over-the-counter (OTC) items and qualifying meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan.
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