2016 Cigna-HealthSpring TotalCare (HMO SNP) DS-H0150

Cigna-HealthSpring TotalCare (HMO SNP) By Cigna-HealthSpring



Cigna-HealthSpring TotalCare (HMO SNP) is a 2016 Medicare Advantage Special Needs Plan plan by Cigna-HealthSpring. This plan from Cigna-HealthSpring works with Medicare to give you significant coverage beyond original Medicare. If you decide to sign up you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Cigna-HealthSpring and not Original Medicare. All Medicare SNPs also provide Medicare additional Part-D drug coverage. Cigna-HealthSpring TotalCare (HMO SNP) DS-H0150 is a Dual Eligible Special Needs Plan (D-SNP). A Dual Eligible SNP is for beneficiaries who are eligible for both Medicare and Medicaid. If you have Medicare and get help from Medicaid you can join any Medicare SNP you qualify for or switch plans at any time.



COMPARE AND SAVE ON MEDICARE INSURANCE




2016 Medicare Special Needs Plan Details

Plan Name:
Cigna-HealthSpring TotalCare (HMO SNP)
Plan ID:
DS-H0150
Special Needs Type: Dual-Eligible
Provider: Cigna-HealthSpring
Parent:CIGNA
Plan Year:2016
Plan Type: Local HMO
Monthly Premium C+D: $31.30




Plan Services


Monthly premium deductible and limits on how much you pay for covered services


$31.3 per month. In addition you must keep paying your Medicare Part B premium. $0 to $74 per year for Part D prescription drugs. Yes. Like all Medicare health plans our plan protects you by having yearly limits on your out-of-pocket costs for medical and hospital care. In this plan you may pay nothing for Medicare-covered services depending on your level of [insert State Medicaid plan name] eligibility. Your yearly limit(s) in this plan:
  • $6 700 for services you receive from in-network providers.
If you reach the limit on out-of-pocket costs you keep getting covered hospital and medical services and we will pay the full cost for the rest of the year.

Refer to the "Medicare & You" handbook for Medicare-covered services. For [insert State Medicaid plan name]-covered services refer to the Medicaid Coverage section in this document.

Please note that you will still need to pay your monthly premiums and cost-sharing for your Part D prescription drugs. Our plan has a coverage limit every year for certain in-network benefits. Contact us for the services that apply.


Doctor's office visits


Primary care physician visit:  You pay nothing Specialist visit:  You pay nothing


Durable medical equipment (wheelchairs oxygen etc.)


0% or 20% of the cost


Emergency care


$0 or $75 copay If you are admitted to the hospital within 24 hours you do not have to pay your share of the cost for emergency care. See the "Inpatient Hospital Care" section for other costs.


Foot care (podiatry services)


Foot exams and treatment if you have diabetes-related nerve damage and/or meet certain conditions:  You pay nothing


Hearing services


Exam to diagnose and treat hearing and balance issues:  You pay nothing Routine hearing exam (for up to 1 every year):  You pay nothing Hearing aid fitting/evaluation (for up to 1 every three years):  You pay nothing Hearing aid:  You pay nothing Our plan pays up to $500 every three years for hearing aids.


Home health care


You pay nothing


Mental health care


Inpatient visit: Our plan covers up to 190 days in a lifetime for inpatient mental health care in a psychiatric hospital. The inpatient hospital care limit does not apply to inpatient mental services provided in a general hospital. Our plan covers 90 days for an inpatient hospital stay. Our plan also covers 60 "lifetime reserve days." These are "extra" days that we cover. If your hospital stay is longer than 90 days you can use these extra days. But once you have used up these extra 60 days your inpatient hospital coverage will be limited to 90 days.
  • $0 or $245 copay per day for days 1 through 6
  • You pay nothing per day for days 7 through 90
Outpatient group therapy visit:  You pay nothing Outpatient individual therapy visit:  You pay nothing


Outpatient rehabilitation


Cardiac (heart) rehab services (for a maximum of 2 one-hour sessions per day for up to 36 sessions up to 36 weeks):  $0 or $10 copay Occupational therapy visit:  You pay nothing Physical therapy and speech and language therapy visit:  You pay nothing


Outpatient substance abuse


Group therapy visit:  You pay nothing Individual therapy visit:  You pay nothing


Outpatient surgery


Ambulatory surgical center:  $0 or $150 copay Outpatient hospital:  $0 or $200 copay


Acupuncture


Not covered


Over-the-counter items


Please visit our website to see our list of covered over-the-counter items.


Prosthetic devices (braces artificial limbs etc.)


Prosthetic devices:  0% or 20% of the cost Related medical supplies:  0% or 20% of the cost


Renal dialysis


0% or 20% of the cost


Transportation


  You pay nothing


Urgently needed services


You pay nothing


Vision services


Exam to diagnose and treat diseases and conditions of the eye (including yearly glaucoma screening):  You pay nothing Routine eye exam (for up to 1 every year):  You pay nothing Contact lenses:  You pay nothing Eyeglasses (frames and lenses) (for up to 1 every year):  You pay nothing Eyeglass frames (for up to 1 every year):  You pay nothing Eyeglass lenses (for up to 1 every year):  You pay nothing Eyeglasses or contact lenses after cataract surgery:  You pay nothing Our plan pays up to $200 every year for eyewear.


Preventive care


You pay nothing Our plan covers many preventive services including:
  • Abdominal aortic aneurysm screening
  • Alcohol misuse counseling
  • Bone mass measurement
  • Breast cancer screening (mammogram)
  • Cardiovascular disease (behavioral therapy)
  • Cardiovascular screenings
  • Cervical and vaginal cancer screening
  • Colorectal cancer screenings (Colonoscopy Fecal occult blood test Flexible sigmoidoscopy)
  • Depression screening
  • Diabetes screenings
  • HIV screening
  • Medical nutrition therapy services
  • Obesity screening and counseling
  • Prostate cancer screenings (PSA)
  • Sexually transmitted infections screening and counseling
  • Tobacco use cessation counseling (counseling for people with no sign of tobacco-related disease)
  • Vaccines including Flu shots Hepatitis B shots Pneumococcal shots
  • "Welcome to Medicare" preventive visit (one-time)
  • Yearly "Wellness" visit
Any additional preventive services approved by Medicare during the contract year will be covered. Annual physical exam:  You pay nothing


Hospice


You pay nothing for hospice care from a Medicare-certified hospice. You may have to pay part of the cost for drugs and respite care.


Inpatient hospital care


Our plan covers 90 days for an inpatient hospital stay. Our plan also covers 60 "lifetime reserve days." These are "extra" days that we cover. If your hospital stay is longer than 90 days you can use these extra days. But once you have used up these extra 60 days your inpatient hospital coverage will be limited to 90 days.
  • $0 or $235 copay per day for days 1 through 7
  • You pay nothing per day for days 8 through 90


Inpatient mental health care


For inpatient mental health care see the "Mental Health Care" section.


Skilled Nursing Facility (SNF)


Our plan covers up to 100 days in a SNF.
  • You pay nothing per day for days 1 through 20
  • $0 or $160 copay per day for days 21 through 100


Outpatient prescription drugs


For Part B drugs such as chemotherapy drugs1:  0% or 20% of the cost Other Part B drugs1:  0% or 20% of the cost Depending on your income and institutional status you pay the following:
For generic drugs (including brand drugs treated as generic) either:
  • $0 copay; or
  • $1.20 copay; or
  • $2.95 copay

  • For all other drugs either:
  • $0 copay; or
  • $3.60 copay; or
  • $7.40 copay.
  • You may get your drugs at network retail pharmacies and mail order pharmacies. If you reside in a long-term care facility you pay the same as at a retail pharmacy.
    You may get drugs from an out-of-network pharmacy at the same cost as an in-network pharmacy.
    After your yearly out-of-pocket drug costs (including drugs purchased through your retail pharmacy and through mail order) reach $4 850 you pay nothing for all drugs.


    Ambulance


    $0 or $200 copay or 0% or 20% of the cost depending on the service


    Chiropractic care


    Manipulation of the spine to correct a subluxation (when 1 or more of the bones of your spine move out of position):  You pay nothing


    Dental services


    Limited dental services (this does not include services in connection with care treatment filling removal or replacement of teeth):  You pay nothing Preventive dental services:
  • Cleaning (for up to 1 every six months):  You pay nothing
  • Dental x-ray(s) (for up to 1):  You pay nothing
  • Oral exam (for up to 1 every six months):  You pay nothing


  • Diabetes supplies and services


    Diabetes monitoring supplies:  0-20% of the cost depending on the supply Diabetes self-management training:  You pay nothing Therapeutic shoes or inserts:  0% or 20% of the cost


    Diagnostic tests lab and radiology services and x-rays (Costs for these services may be different if received in an outpatient surgery setting)


    Diagnostic radiology services (such as MRIs CT scans):  0% or 20% of the cost Diagnostic tests and procedures:  0-20% of the cost depending on the service Lab services:  You pay nothing Outpatient x-rays:  0% or 20% of the cost Therapeutic radiology services (such as radiation treatment for cancer):  0% or 20% of the cost




    Coverage Area for Cigna-HealthSpring TotalCare (HMO SNP)



    The Cigna-HealthSpring TotalCare (HMO SNP) DS-H0150 is available to residents in Alabama, and all Medicare SNPs must provide Medicare additional prescription drug (Part-D) coverage. Cigna-HealthSpring TotalCare (HMO SNP) is a Local HMO. With a health maintenance organization (HMO) you will be required to receive most of your health care from an in-network provider. Health maintenance organizations require that you select a primary care physician (PCP). Your PCP will serve as your personal doctor to provide all of your basic healthcare services. If you need special care for a physician specialist, your primary care physician will make the arrangements and tell you where you can go in the network. You will need your PCPs okay, called a referral. Without getting a referral or services received from out-of-network providers are not typically covered by the plan.





    Part-C Premium

    Cigna-HealthSpring plan charges a $0.00 Part-C premium. The Part C premium covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.



    Part-D Deductible and Premium

    The Cigna-HealthSpring TotalCare (HMO SNP) plan has a monthly drug premium of $31.30 and a $360.00 drug deductible. This Cigna-HealthSpring plan offers a $31.30 Part D Basic Premium that is below the regional benchmark. This covers the basic prescription benefit only and does not cover enhanced drug benefits such as medical benefits or hospital benefits. The Part D Supplemental Premium is $0.00 this Premium covers any enhanced plan benefits offered by Cigna-HealthSpring above and beyond the standard PDP benefits. This can include additional coverage in the gap, lower co-payments and coverage of non-Part D drugs. The Part D Total Premium is $31.30. The Part D Total Premium is the addition of the supplemental and basic premiums for some plans this amount can be lower due to negative basic or supplemental premiums.



    Premium Assistance

    Depending on your income level you may be eligible for full 75%, 50%, 25% premium assistance. The Cigna-HealthSpring TotalCare (HMO SNP) medicare insurance plan offers a $0.00 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $7.80 for 75% low income subsidy $15.60 for 50% and $23.50 for 25%.



    Part C Premium: $0.00
    Part D (Drug) Premium: $31.30
    Part D Supplemental Premium $0.00
    Total Part D Premium: $31.30
    Drug Deductible: $360.00
    Tiers with No Deductible: 0
    Benchmark: below the regional benchmark
    Type of Medicare Health Plan: Defined Standard Benefit
    Drug Benefit Type: Basic
    Full LIS Premium: $0.00
    75% LIS Premium: $7.80
    50% LIS Premium: $15.60
    25% LIS Premium: $23.50
    Inital Coverage Limit:$3310
    Gap Coverage: No


    Gap Coverage

    In 2016 once you and your plan provider have spent $3,310 on covered drugs. (combined amount plus your deductible) You will be in the coverage gap. (AKA "donut hole") You will be required to pay 45% for brand-name drugs and 58% on generic drugs unless your plan offers additional coverage. This Cigna-HealthSpring plan does not offer additional coverage through the gap.



    Ratings for Cigna-HealthSpring TotalCare (HMO SNP) DS

    2016 Overall Rating
    Part C Summary Rating
    Part D Summary Rating
    Staying Healthy: Screenings, Tests, Vaccines
    Managing Chronic (Long Term) Conditions
    Member Experience with Health Plan
    Complaints and Changes in Plans Performance
    Health Plan Customer Service
    Drug Plan Customer Service
    Complaints and Changes in the Drug Plan
    Member Experience with the Drug Plan
    Drug Safety and Accuracy of Drug Pricing


    Member Experience with Health Plan

    Total Experience Rating
    Getting Needed Care
    Timely Care and Appointments
    Customer Service
    Health Care Quality
    Rating of Health Plan
    Care Coordination


    Member Complaints and Changes in Cigna-HealthSpring TotalCare (HMO SNP) Plans Performance

    Total Rating
    Members Leaving the Plan
    Complaints about Health Plan
    Beneficiary Access
    Health Plan Quality Improvement


    Health Plan Customer Service Rating for Cigna-HealthSpring TotalCare (HMO SNP)

    Total Customer Service Rating
    Timely Decisions About Appeals
    Reviewing Appeals Decisions
    Call Center, TTY, Foreign Language


    Staying Healthy, Screening, Testing, & Vaccines

    Total Preventative Rating
    Breast Cancer Screening
    Colorectal Cancel Screening
    Annual Flu Vaccine
    Improving Physical
    Improving Mental Health
    Monitoring Physical Activity
    Adult BMI Assessment


    Managing Chronic And Long Term Care for Older Adults

    Total Rating
    SNP Care Management
    Medication Review
    Functional Status Assessment
    Pain Screening
    Osteoporosis Management
    Diabetes Care - Eye Exam
    Diabetes Care - Kidney Disease
    Diabetes Care - Blood Sugar
    Controlling Blood Pressure
    Rheumatoid Arthritis
    Improving Bladder Control
    Reducing Risk of Falling
    Plan - Cause Readmissions


    Member Experience with the Drug Plan

    Total Rating
    Rating of Drug Plan
    Getting Needed Prescription Drugs


    Drug Safety and Accuracy of Drug Pricing

    Total Rating
    MPF Price Accuracy
    High Risk Medication
    Drug Adherence for Diabetes Medications
    Drug Adherence for Hypertension (RAS antagonists)
    Drug Adherence for Cholesterol (Statins)
    MTM Program Completion Rate for CMR


    Ratings For Member Complaints and Changes in the Drug Plans Performance

    Total Rating
    Complaints about the Drug Plan
    Members Choosing to Leave the Plan
    Beneficiary Access
    Drug Plan Quality Improvement


    Cigna-HealthSpring TotalCare (HMO SNP) Drug Plan Customer Service ratings

    Total Rating
    Appeals Auto Forward
    Appeals Upheld
    Call Center, TTY, Foreign Language


    Source: CMS.

    Plans as of September 9, 2015.

    Star Rating as of September 30, 2015.

    For More Information on Ratings Please See the CMS Tech Notes Here.

    Notes: Data are subject to change. All contracts for 2016 have not been finalized. For 2016, enhanced alternative plans may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part

    Includes 2016 approved contracts/plans. Employer sponsored 800 series plans and plans under sanction are excluded.

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    Call For A licensed Sales Agent

    1-855-492-4169

  • Mon-Fri 8:30am-8:00pm
  • Sat 9:00am-3:00pm (ET)

  • Call to Enroll!