Independence Health Group, Inc.
Plan ID: H0192-1-0
Plan Summary Page2025 AmeriHealth Caritas VIP Care Plus (Medicare-Medicaid Plan) H0192 — 001 — 0 is a Medicare Advantage plan with drug coverage. 0
Learn more about AmeriHealth Caritas VIP Care Plus (Medicare-Medicaid Plan) H0192 - 001 - 0, including the health and drug services it covers, by reading our easy-to-use guide. Or contact a licensed insurance agent for help now.
$0.00 /mo
Monthly premium
$0
Drug deductible
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2025 AmeriHealth Caritas VIP Care Plus (Medicare-Medicaid Plan) H0192 — 001 — 0 is a Medicare-Medicaid Plan offered in Wayne and Macomb Counties by Independence Health Group, Inc.. It has a monthly premium of $0.00.
Standard Part B Premium
$185.00
Part B premium reduction
- $0
Monthly Plan Premium
$0.00
Total Premium:
$185.00
Note:
The standard Medicare Part B premium for 2025 is $185.00. Your premium may differ based on factors like late enrollment, income (IRMAA), or disability status. Most people enrolled in Medicare Part B are required to pay this premium.
Special needs plan type
No
Out-of-pocket maximum (In-Network)
N/A
Out-of-pocket maximum (Out-of-Network)
N/A
Out-of-pocket maximum (Combined)
N/A
Plan Organization:
Independence Health Group, Inc.
Plan Type:
Medicare-Medicaid Plan
Location:
Wayne and Macomb Counties
Drugs Covered:
Yes
Drug Formulary:
Pharmacies:
Doctors Link:
The amount you must pay each year before your plan starts to pay for covered services or drugs.
Drug deductible
$0
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
AmeriHealth Caritas VIP Care Plus (Medicare-Medicaid Plan) provides the following cost-sharing on drugs. Please check the plan’s formulary for specific drugs covered.
Drug Benefit Type
Enhanced Alternative
Prescription drug deductible
$0
This plan's premium may be reduced for you if you qualify for the low-income subsidy (also known as LIS or "Extra help"). The following is what you'll pay for with LIS.
Part D | LIS Full |
---|---|
$0.00 | $0.00 |
After you pay your $0.00 drug deductible, you will pay the following costs for drugs in each tier until your total drug costs (including what this plan has paid and what you have paid) reach $2000.00. Once you reach that amount, you will enter the next coverage phase.
Tier | Preferred Pharmacy | Standard Pharmacy | Preferred Mail | Standard Mail |
---|---|---|---|---|
1. Preferred Generic | - | - | - | - |
2. Standard Generic | - | - | - | - |
3. Preferred Brand | - | - | - | - |
4. Non-Preferred Drug | - | - | - | - |
5. Specialty Tier | - | - | - | - |
After your yearly out-of-pocket drug costs (including drugs purchased through your retail pharmacy and through mail order) reach $2000.00, you pay nothing for Medicare Part D covered drugs. However, you may still pay a share of the costs for excluded drugs covered under any enhanced benefit.
AmeriHealth Caritas VIP Care Plus (Medicare-Medicaid Plan) also provides the following benefits.
Inpatient Hospital benefits are covered.
Inpatient Hospital-Acute benefits are covered – including services not usually covered by Medicare plans. Prior Authorization is required.
More Details:
Enhanced benefits
Non-Medicare-covered Stay
Periodicity
Per Admission or Per Stay
Do you charge cost sharing on the day of discharge?
No
Additional Days for Inpatient Hospital-Acute benefits are covered.
More Details:
Is this benefit unlimited?
Yes
Not covered.
Not covered.
Inpatient Hospital Psychiatric benefits are covered. Prior Authorization is required.
More Details:
Periodicity
Per Admission or Per Stay
Do you charge cost sharing on the day of discharge?
No
Not covered.
Not covered.
Outpatient Services benefits are covered.
All Outpatient Hospital Services benefits are covered.
Outpatient Hospital Services benefits are covered. Prior Authorization is required.
Observation Services benefits are covered.
Ambulatory Surgical Center (ASC) Services benefits are covered. Prior Authorization is required.
Outpatient Substance Abuse Services benefits are covered. Prior Authorization is required.
Not covered.
Not covered.
Outpatient Blood Services benefits are covered – including services not usually covered by Medicare plans. Prior Authorization and a doctor referral are required.
More Details:
Enhanced benefit
Three (3) Pint Deductible Waived
Partial Hospitalization benefits are covered. Prior Authorization is required.
Ambulance and Transportation Services benefits are covered.
All Ambulance Services benefits are covered. Prior Authorization is required.
More Details:
Is there a coinsurance?
No
Is there a copayment ?
No
Not covered.
Not covered.
Transportation Services benefits are covered – including services not usually covered by Medicare plans. Prior Authorization is required.
More Details:
Enhanced benefit (10b)
Any Health-related Location
Is there a service specific maximum plan benefit coverage amount?
No
Not covered.
Transportation Services - Any Health-related Location benefits are covered.
More Details:
Is this benefit unlimited?
Yes
Type of transportation
Round Trip
Mode of Transportation
Rideshare Services, Van, Medical Transport, Other, Describe
Emergency Services benefits are covered.
Emergency Services benefits are covered.
More Details:
Is there a coinsurance?
No
Is there a copayment?
No
Urgently Needed Services benefits are covered.
More Details:
Is there a coinsurance?
No
Is there a copayment?
No
Worldwide Emergency Services benefits are covered.
Not covered.
Not covered.
Not covered.
Primary Care benefits are covered.
Primary Care Physician Services benefits are covered.
Chiropractic Services benefits are covered.
Not covered.
Occupational Therapy Services benefits are covered.
More Details:
Is there a coinsurance?
No
Is there a copayment ?
No
Authorization required for this benefit?
Yes
Referral required for this benefit?
No
Does this plan provide Non-Medicare-covered Occupational Therapy Services?
No
Physician Specialist Services benefits are covered.
Mental Health Specialty Services benefits are covered. Prior Authorization is required.
Not covered.
Not covered.
Not covered.
Other Health Care Professional benefits are covered. Prior Authorization is required.
Psychiatric Services benefits are covered. Prior Authorization is required.
Not covered.
Not covered.
Physical Therapy and Speech-Language Pathology Services benefits are covered.
More Details:
Is there a coinsurance?
No
Is there a copayment ?
No
Authorization required for this benefit?
Yes
Referral required for this benefit?
No
Additional Telehealth Benefits benefits are covered – including services not usually covered by Medicare plans.
More Details:
Medicare-covered benefits that may have Additional Telehealth Benefits available
7a: Primary Care Physician Services, 7d: Physician Specialist Services
Opioid Treatment Program Services benefits are covered.
Preventive Services benefits are covered.
Medicare-covered Zero Dollar Preventive Services benefits are covered.
Not covered.
Additional Preventive Services benefits are covered – including services not usually covered by Medicare plans.
More Details:
Is there a service-specific Maximum Plan Benefit Coverage amount for Other Defined Supplemental Benefits?
No
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Fitness Benefit benefits are covered.
More Details:
Type of Fitness Benefit offered
Memory Fitness
Not covered.
Not covered.
Remote Access Technologies (including Web/Phone-based technologies and Nursing Hotline) benefits are covered.
Not covered.
Not covered.
Kidney Disease Education Services benefits are covered.
Other Preventive Services benefits are covered.
More Details:
Is a referral required for any Services?
No
Glaucoma Screening benefits are covered.
Diabetes Self-Management Training benefits are covered.
Barium Enemas benefits are covered.
Digital Rectal Exams benefits are covered.
EKG following Welcome Visit benefits are covered.
Hearing Services benefits are covered.
Hearing Exams benefits are covered – including services not usually covered by Medicare plans. Prior Authorization and a doctor referral are required.
More Details:
Is there a deductible?
No
Is there a deductible?
No
Is there a maximum plan benefit coverage?
No
Not covered.
Fitting/Evaluation for Hearing Aid benefits are covered.
More Details:
Is this benefit unlimited?
No, indicate number
Number of visits
2
Periodicity
Every year
Prescription Hearing Aids benefits are covered – including services not usually covered by Medicare plans. Prior Authorization is required.
More Details:
Service maximum plan benefit coverage
No
Prescription Hearing Aids (all types) benefits are covered.
More Details:
Is this benefit unlimited?
No, indicate number
Number of visits
1
Periodicity
Other, Describe
Description
Every 5 years.
Not covered.
Not covered.
Not covered.
Not covered.
Vision Services benefits are covered.
Eye Exams benefits are covered – including services not usually covered by Medicare plans.
More Details:
Is there a deductible?
No
Is there a deductible?
No
Is there a maximum plan benefit coverage?
No
Routine Eye Exams benefits are covered.
More Details:
Is this benefit unlimited?
No, indicate number
Number of visits
1
Periodicity
Every two years
Eyewear benefits are covered – including services not usually covered by Medicare plans. Prior Authorization is required.
More Details:
Is there a deductible?
No
Is there a deductible?
No
Is there a maximum plan benefit coverage?
No
Contact Lenses benefits are covered.
More Details:
Is this benefit unlimited?
No, indicate number
Number of pairs
1
Periodicity
Every year
Eyeglasses (lenses and frames) benefits are covered.
More Details:
Is this benefit unlimited?
No, indicate number
Number of pairs
1
Periodicity
Every year
Eyeglass lenses benefits are covered.
More Details:
Is this benefit unlimited?
No, indicate number
Number of pairs
1
Periodicity
Every year
Eyeglass frames benefits are covered.
More Details:
Is this benefit unlimited?
No, indicate number
Number of eyeglass frames
1
Periodicity
Every year
Not covered.
Dental Services benefits are covered.
Medicare Dental Services benefits are covered.
Other Dental Services benefits are covered.
More Details:
Is there a maximum plan benefit coverage?
No
Oral Exams benefits are covered.
More Details:
Is this benefit unlimited?
No
Number of visits
1
Periodicity
Every six months
Dental X-Rays benefits are covered.
More Details:
Is this benefit unlimited?
No
Number of X-Rays
1
Periodicity
Other, Describe
Description
Every 12months: Bitewing Radiographs Every 3yrs per arch (under age 21): Occlusal Radiograph Every 5yrs (over age 5): Panoramic Radiograph, Full mouth/Complete series everyday, with medical necessity
Other Diagnostic Dental Services benefits are covered.
More Details:
Is this benefit unlimited?
No
Number of visits
999
Periodicity
Other, Describe
Description
Plan covers services in accordance with theMedicaid Provider Manual found at http://www.mdch.state.mi.us/dchmedicaid/manuals/MedicaidProviderManual.pdf.
Prophylaxis (Cleaning) benefits are covered.
More Details:
Is this benefit unlimited?
No
Number of visits
1
Periodicity
Every six months
Fluoride Treatment benefits are covered.
More Details:
Is this benefit unlimited?
No
Number of visits
6
Periodicity
Other, Describe
Description
per lifetime.
Other Preventive Dental Services benefits are covered.
More Details:
Is this benefit unlimited?
No
Number of visits
999
Periodicity
Other, Describe
Description
Plan covers services in accordance with the Medicaid Provider Manual found at http://www.mdch.state.mi.us/dch-medicaid/manuals/MedicaidProviderManual.pdf.
Orthodontic Services benefits are covered.
More Details:
Is there a maximum plan benefit coverage?
No
Restorative Services benefits are covered. Prior Authorization is required.
More Details:
Is this benefit unlimited?
Yes
Adjunctive General Services benefits are covered. Prior Authorization is required.
More Details:
Is this benefit unlimited?
Yes
Endodontics benefits are covered. Prior Authorization is required.
More Details:
Is this benefit unlimited?
No
Number of visits
999
Periodicity
Other, Describe
Description
Plan covers services in accordance with the MedicaidProvider Manual found at http://www.mdch.state.mi.us/dchmedicaid/manuals/MedicaidProviderManual.pdf.
Periodontics benefits are covered. Prior Authorization is required.
More Details:
Is this benefit unlimited?
No
Number of visits
1
Periodicity
Every year
Prosthodontics, removable benefits are covered. Prior Authorization is required.
More Details:
Is this benefit unlimited?
No
Number of visits
999
Periodicity
Other, Describe
Description
Plan covers services in accordance with the MPM found at MedicaidProviderManual.pdf (state.mi.us), MDHHS MSA Bulletins, andother relevant policies.
Not covered.
Not covered.
Prosthodontics, fixed benefits are covered. Prior Authorization is required.
More Details:
Is this benefit unlimited?
No
Number of visits
999
Periodicity
Other, Describe
Description
1 Per 5 Years, Same Arch
Oral and Maxillofacial Surgery benefits are covered. Prior Authorization is required.
More Details:
Is this benefit unlimited?
No
Number of visits
999
Periodicity
Other, Describe
Description
Plan covers services in accordance with the Medicaid Provider Manual found at http://www.mdch.state.mi.us/dch-medicaid/manuals/MedicaidProviderManual.pdf.
Not covered.
Home Infusion bundled Services benefits are covered. Prior Authorization is required.
More Details:
Does this plan have a service specific maximum enrollee out-of-pocket cost (MOOP)?
No
Does the plan offer step therapy?
No
Does the plan provide Part D home infusion drugs as part of a bundled service as a mandatory supplemental benefit?
No
Does the plan pay for Part D home infusion services and supplies as a Medicaid benefit?
Yes
Insulin benefits are covered.
Medicare Part B Insulin Drugs benefits are covered.
Not covered.
Dialysis Services benefits are covered.
Medical Equipment benefits are covered.
Durable Medical Equipment (DME) benefits are covered.
More Details:
Is there a coinsurance?
No
Is there a coinsurance?
No
Is there a copayment ?
No
Is there a copayment ?
No
Are there preferred vendors/manufacturers for Durable Medical Equipment (DME)?
No
Authorization required for this benefit?
Yes
Does this plan provide Non-Medicare-covered Durable Medical Equipment?
Yes
Non-Medicare-covered Durable Medical Equipment
Other 2
Is there a maximum plan benefit coverage amount?
No
Authorization required for this benefit?
Yes
Not covered.
Other 1 for Durable Medical Equipment benefits are covered.
More Details:
Enter name of Other 1 Service
Additional Durable Medical Equipment
Prosthetics/Medical Supplies - Non-Medicare benefit benefits are covered.
More Details:
Is there a coinsurance?
No
Is there a coinsurance?
No
Is there a copayment ?
No
Is there a copayment ?
No
Authorization required for this benefit?
Yes
Does this plan provide Non-Medicare-covered Prosthetics/Medical Supplies?
Yes
Enter name of Non-Medicare-covered Service
Non-Medicare Prosthetics/Medical Supplies
Is there a maximum plan benefit coverage amount?
No
Authorization required for this benefit?
Yes
Not covered.
Not covered.
Diabetic Equipment benefits are covered. Prior Authorization is required.
More Details:
Do you limit Diabetic supplies and services to those from specified manufacturers
Yes
Not covered.
Not covered.
Diagnostic and Radiological Services benefits are covered.
All Diagnostic services benefits are covered. Prior Authorization is required.
More Details:
Is there a copayment?
No
Not covered.
Not covered.
All Radiological Services benefits are covered. Prior Authorization is required.
More Details:
Is there a copayment?
No
Not covered.
Not covered.
Not covered.
Home Health Services benefits are covered.
More Details:
Is there a coinsurance?
No
Is there an enrollee Coinsurance?
No
Is there a copayment ?
No
Is there an enrollee Copayment?
No
Authorization required for this benefit?
Yes
Referral required for this benefit?
No
Is there a limit on the services provided?
No
Does this plan provide Non-Medicare-covered Home Health Services?
Yes
Non-Medicare-covered Home Health Services
Other 2
Is there a maximum plan benefit coverage amount?
No
Does any service require qualification for and enrollment in a state-operated waiver program?
No
Authorization required for this benefit?
No
Referral required for this benefit?
No
Not covered.
Not covered.
Other 1 for Home Health Services benefits are covered.
More Details:
Enter name of Other 1 Service
Additional Home Health Services
Cardiac Rehabilitation Services benefits are covered. Prior Authorization is required.
Not covered.
Not covered.
Not covered.
Not covered.
Skilled Nursing Facility (SNF) benefits are covered. Prior Authorization is required.
More Details:
Does the plan provide Skilled Nursing Facility Services as a supplemental benefit under Part C?
Yes
Enhanced benefits (2)
Non-Medicare-covered stay (MMP Only)
Do you allow less than 3 day inpatient hospital stay prior to SNF admission?
Yes
Days
Zero
Periodicity
Per Admission or Per Stay
Do you charge cost sharing on the day of discharge?
No
Additional Days beyond Medicare-covered for Skilled Nursing Facility (SNF) benefits are covered.
More Details:
Is this benefit unlimited?
Yes
Not covered.
Other Services benefits are covered.
Not covered.
Over-the-Counter (OTC) Items benefits are covered.
More Details:
Does the plan provide Over-The-Counter (OTC) Items as a supplemental benefit under Part C?
Yes
Is there a maximum plan benefit coverage amount?
Yes
Maximum plan benefit coverage amount
75.00
Periodicity
Every three months
Does your Maximum Plan Benefit Coverage amount carry forward to the next period if it is unused?
No
Plan offers Nicotine Replacement Therapy (NRT) as a Part C OTC benefit?
No
Plan offers Naloxone coverage as a Part C OTC benefit?
Yes
Does this cover all of the drugs on the CMS OTC list which may be found in Chapter 4 of the Medicare Managed Care Manual
No
Not covered.
Not covered.
Other Services benefits are covered.
More Details:
Does the plan provide Additional Services?
Yes
Additional Services
13h6: Nursing Home Services, 13h8: Personal Care Services, 13h10: Private Duty Nursing Services, 13h15: Other 1, 13h16: Other 2, 13h17: Other 3, 13h18: Other 4, 13h19: Other 5, 13h20: Other 6, 13h21: Other 7, 13h22: Other 8, 13h23: Other 9, 13h24: Other 10, 13h25: Other 11, 13h26: Other 12, 13h27: Other 13, 13h28: Other 14, 13h29: Other 15, 13h32: Other 18, 13h34: Other 20, 13h35: Other 21, 13h36: Other 22, 13h37: Other 23, 13h38: Other 24
Is there a limit on the Additional Services provided?
Yes
Additional Services where a limit applies
13h10: Private Duty Nursing Services, 13h24: Other 10, 13h27: Other 13, 13h29: Other 15, 13h34: Other 20, 13h35: Other 21, 13h36: Other 22, 13h37: Other 23, 13h38: Other 24
Is there a maximum plan benefit coverage amount?
Yes
Additional Services have a Maximum Plan Benefit Coverage Amount
13h17: Other 3, 13h18: Other 4, 13h32: Other 18
Does any service require qualification for and enrollment in a state-operated waiver program?
Yes
Services that require qualification for and enrollment in a state-operated waiver program
13h10: Private Duty Nursing Services, 13h16: Other 2, 13h17: Other 3, 13h18: Other 4, 13h19: Other 5, 13h21: Other 7, 13h22: Other 8, 13h23: Other 9, 13h24: Other 10, 13h25: Other 11, 13h27: Other 13, 13h28: Other 14
Is a beneficiary receiving any benefit subject to a state-required monthly payment amount that is based on his or her financial resources (for example: a "patient pay amount")?
Yes
Benefits subject to a state-required monthly payment amount that is based on his or her financial resources (for example: a "patient pay amount")
13h6: Nursing Home Services
Is Authorization required for one or more Additional Services?
Yes
Which Additional Services need an Authorization
13h6: Nursing Home Services, 13h8: Personal Care Services, 13h10: Private Duty Nursing Services, 13h15: Other 1, 13h16: Other 2, 13h17: Other 3, 13h18: Other 4, 13h19: Other 5, 13h20: Other 6, 13h21: Other 7, 13h22: Other 8, 13h23: Other 9, 13h24: Other 10, 13h25: Other 11, 13h26: Other 12, 13h27: Other 13, 13h32: Other 18, 13h37: Other 23
Is a referral required for one or more Additional Services?
Yes
Which Additional Services need a Referral
13h10: Private Duty Nursing Services
Not covered.
Private Duty Nursing Services benefits are covered.
More Details:
Units
Hours
Numerical limit
16
Periodicity
Every day
Not covered.
Not covered.
Not covered.
Not covered.
Other 1 benefits are covered.
More Details:
Enter name of Other 1 Service
Adaptive Medical Equipment and Supplies
Other 2 benefits are covered.
More Details:
Enter name of Other 2 Service
Adult Day Program
Other 3 benefits are covered.
More Details:
Enter name of Other 3 Service
Assistive Technology Devices
Maximum plan benefit coverage amount
5000.00
Periodicity
Every year
Other 4 benefits are covered.
More Details:
Enter name of Other 4 Service
Assistive Technology Van Lifts and Tie Downs
Maximum plan benefit coverage amount
15000.00
Periodicity
Other, Describe
Description
For the duration of the Demonstration.
Other 5 benefits are covered.
More Details:
Enter name of Other 5 Service
Chore Services
Not covered.
Other 6 benefits are covered.
More Details:
Enter name of Other 6 Service
Community Transition Services
Other 7 benefits are covered.
More Details:
Enter name of Other 7 Service
Environmental Modifications
Other 8 benefits are covered.
More Details:
Enter name of Other 8 Service
Expanded Community Living Supports
Other 9 benefits are covered.
More Details:
Enter name of Other 9 Service
Fiscal Intermediary Services
Other 10 benefits are covered.
More Details:
Enter name of Other 10 Service
Home Delivered Meals
Units
Meals
Numerical limit
2
Periodicity
Every day
Other 11 benefits are covered.
More Details:
Enter name of Other 11 Service
Non-medical Transportation
Other 12 benefits are covered.
More Details:
Enter name of Other 12 Service
Personal Emergency Response System
Other 13 benefits are covered.
More Details:
Enter name of Other 13 Service
Preventive Nursing Services
Units
Hours
Numerical limit
2
Periodicity
Other, Describe
Description
No more than two hours per visit.
Other 14 benefits are covered.
More Details:
Enter name of Other 14 Service
Respite - Waiver Service
Other 15 benefits are covered.
More Details:
Enter name of Other 15 Service
Respite - General Service
Units
Hours
Numerical limit
336
Periodicity
Other, Describe
Description
336 hours per every 365 day period
Not covered.
Other 18 benefits are covered.
More Details:
Enter name of Other 18 Service
Stipend for Maintenance Costs of a Service Animal
Maximum plan benefit coverage amount
20.00
Periodicity
Every month
Other 20 benefits are covered.
More Details:
Enter name of Other 20 Service
Doula Services
Units
Visits
Numerical limit
7
Periodicity
Every Pregnancy
Other 21 benefits are covered.
More Details:
Enter name of Other 21 Service
Michigan Diabetes Prevention Program (MiDPP)
Units
Sessions
Numerical limit
28
Periodicity
Every year
Other 22 benefits are covered.
More Details:
Enter name of Other 22 Service
Targeted Case Management Services for Recently Incarcerated Beneficiaries
Units
Visits
Numerical limit
23
Periodicity
Other, Describe
Description
Every 12-month period of eligibility following release from an incarcerated setting
Other 23 benefits are covered.
More Details:
Enter name of Other 23 Service
MDHHS Community Health Worker (CHW) Policy
Units
Items/Other, Describe
Description
Units of Service
Numerical limit
128
Periodicity
Every month
Other 24 benefits are covered.
More Details:
Enter name of Other 24 Service
Group Prenatal Care Services
Units
Sessions
Numerical limit
12
Periodicity
Every Pregnancy
Not covered.
Not covered.
Nursing Home Services benefits are covered.
More Details:
Minimum
0.00
Maximum
9999.00
Not covered.
Not covered.
Not covered.
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