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Senior Care (HMO I-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Senior Care (HMO I-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Senior Care (HMO I-SNP) in 2026, please refer to our full plan details page.
Senior Care (HMO I-SNP) is a HMO I-SNP plan offered by Curana Health Holdings, LLC available for enrollment in 2025 to people living in Florida (partial). The overall rating for this plan is not yet available for 2026.
It's important to know that Senior Care (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:
Senior Care (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 Senior Care (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 Senior Care (HMO I-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $4.80. 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 Senior Care (HMO I-SNP) Medicare plan features an annual prescription drug deductible of $615. This means you will pay the full cost of your covered medications up to this amount before your plan coverage begins to pay. Detailed information regarding specific drug tiers, copays, and coinsurance is not currently available for this plan. To find out how your specific prescriptions are covered and estimate your out-of-pocket costs, you should review the plan's formulary or contact the provider directly.
Additional Benefits
The Senior Care (HMO I-SNP) plan offers robust medical coverage with no copay for inpatient hospital stays, primary care visits, and home health care, though a deductible or coinsurance may apply. Outpatient hospital services, specialist visits, and diagnostic procedures generally require a twenty percent coinsurance with no copay. Emergency room visits carry a ninety dollar copay and urgently needed care requires a forty dollar copay, with both fees waived upon hospital admission. Additional benefits include dental care covered with no copay and no coinsurance up to a three thousand dollar annual limit, as well as vision care featuring a three hundred dollar annual eyewear allowance. Hearing services feature covered over-the-counter hearing aids and up to a one thousand five hundred sixty dollar annual limit for prescription hearing aids with no copay. Additionally, members can access up to twenty-four free one-way transportation trips per year to health-related locations and select over-the-counter items with no copay.
Inpatient Hospital See details
Senior Care (HMO I-SNP) covers inpatient acute and psychiatric hospital services with no copay and no coinsurance, though a deductible applies and prior authorization is required. This benefit is partially covered, as upgrades, additional days, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Senior Care (HMO I-SNP) outpatient hospital services require a 20% coinsurance, while observation services have a $100 copay per stay. Ambulatory surgical center, outpatient substance abuse, and outpatient blood services are covered with no copay and a 20% coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by Senior Care (HMO I-SNP) with no copay and a 20% coinsurance. Prior authorization is required for some of these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by Senior Care (HMO I-SNP), featuring a 20% coinsurance and no copay for ground and air ambulance services. Transportation services are partially covered with no copay and no coinsurance for up to 24 yearly one-way trips to any health-related location, though plan-approved health-related location transportation is not covered.
Emergency Services See details
Emergency services are covered by Senior Care (HMO I-SNP) with a $90 copay and no coinsurance, and urgently needed services have a $40 copay and no coinsurance, with both copays waived if admitted to the hospital within three days. These cost-sharing amounts count toward the plan's 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
Senior Care (HMO I-SNP) covers primary care, occupational therapy, physical therapy, speech therapy, and opioid treatment with no copay and no coinsurance. Specialist visits, mental health, psychiatric, podiatry, and telehealth services are also covered with no copay and a 20% coinsurance, while chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by Senior Care (HMO I-SNP) with no copay and no coinsurance for covered care, such as kidney disease education, diabetes self-management, and in-home support services. However, several sub-services are not covered under this plan, including annual physical exams, fitness benefits, health education, and personal emergency response systems.
Hearing Services See details
Senior Care (HMO I-SNP) hearing services include exams with no copay and a 20% coinsurance for routine annual visits, alongside OTC hearing aids covered with no copay and no coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance up to a $1,560 annual limit, though inner ear, outer ear, and over-the-ear types are not covered.
Vision Services See details
Senior Care (HMO I-SNP) partially covers vision services with no copays or deductibles, though a 20% coinsurance applies to routine eye exams and contact lenses. Other eye exam services are not covered, and there is a $300 annual combined maximum benefit for eyewear.
Dental Services See details
Senior Care (HMO I-SNP) offers dental services with no copay and a 20% coinsurance for Medicare-covered dental care, and no copay and no coinsurance for other dental services up to a $3,000 annual maximum. While most preventive and comprehensive dental benefits are covered, other preventive dental services, maxillofacial prosthetics, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by Senior Care (HMO I-SNP) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, insulin, and other drugs incur no coinsurance to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered under the Senior Care (HMO I-SNP) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Senior Care (HMO I-SNP) covers durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts with no copay and a 20% coinsurance. Prior authorization is required for medical equipment and prosthetics, and diabetic supplies are not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are partially covered by Senior Care (HMO I-SNP) with no copay and a 20% coinsurance for covered diagnostic procedures, diagnostic radiological services, and therapeutic radiological services. Prior authorization is required for these services, while lab services and outpatient X-ray services are not covered.
Home Health Services See details
Home Health Services are covered by Senior Care (HMO I-SNP) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by Senior Care (HMO I-SNP) with no copay and a 20% coinsurance, though prior authorization is required. This coverage includes intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by Senior Care (HMO I-SNP) with no copay and no coinsurance, though additional days beyond the standard Medicare-covered limit are not covered. Prior authorization is required for these services, which do not require a prior three-day inpatient hospital stay for admission.
Other Services See details
Senior Care (HMO I-SNP) partially covers other services, offering select over-the-counter (OTC) items, including nicotine replacement therapy, with no copay and no coinsurance. However, acupuncture, meal benefits, naloxone, and certain CMS OTC list drugs are not covered under this benefit.
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