2022 Imperial Insurance Traditional Plus (HMO)

Imperial Insurance Traditional Plus (HMO) H2793-007 is a 2022 Medicare Advantage Plan or Part-C by Imperial Insurance Companies, Inc available to residents in New Mexico and Texas. This plan includes additional prescription drug (Part-D) coverage. The Imperial Insurance Traditional Plus (HMO) has a monthly premium of $0 and has an in-network maximum out-of-pocket limit of $7,550 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $7,550 out-of-pocket. This can be a extremely nice safety net.

Imperial Insurance Traditional Plus (HMO) 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 require specialized care or a physician specialist, your primary care physician will make the arrangements and inform you where you can go in the network. You will need your PCPs okay, called a referral. Services received from an out-of-network provider are not typically covered.

Imperial Insurance Companies, Inc works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Imperial Insurance Traditional Plus (HMO) you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Imperial Insurance Companies, Inc and not Original Medicare. With Medicare Advantage you are always covered for urgently needed and emergency care. Plus you receive all the benefits of Original Medicare from Imperial Insurance Companies, Inc except hospice care. Original Medicare still provides you with hospice care even if you sign up for Medicare Advantage.

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2022 Imperial Insurance Companies, Inc Medicare Advantage Plan Costs

Imperial Insurance Traditional Plus (HMO)
Plan ID:
Provider:Imperial Insurance Companies, Inc
Type: Local HMO
Monthly Premium C+D: $0
Part C Premium:$0.00
MOOP: $7,550
Part D (Drug) Premium:$0.00
Part D Supplemental Premium$0.00
Total Part D Premium:$0.00
Drug Deductible:$480.00
Tiers with No Deductible:0
Gap Coverage:No
Benchmark:below the regional benchmark
Type of Medicare Health:Defined Standard Benefit
Drug Benefit Type:Basic
Similar Plan: H2793-003
New Plan: 2023 H2793-003

Imperial Insurance Traditional Plus (HMO) Part-C Premium

Imperial Insurance Companies, Inc 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.

H2793-007 Part-D Deductible and Premium

Imperial Insurance Traditional Plus (HMO) has a monthly drug premium of $0.00 and a $480.00 drug deductible. This Imperial Insurance Companies, Inc plan offers a $0.00 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 Imperial Insurance Companies, Inc 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 $0.00 . The Part D Total Premium is the addition of the supplemental and basic premiums for some plans this amount can be lowered due to negative basic or supplemental premiums.

Imperial Insurance Companies, Inc Gap Coverage

In 2022 once you and your plan provider have spent $4430 on covered drugs. (combined amount plus your deductible) You will be in the coverage gap. (AKA "donut hole") You will be required to pay 25% for prescription drugs unless your plan offers additional coverage. This Imperial Insurance Companies, Inc plan does not offer additional coverage through the gap.

H2793-007 Formulary or Drug Coverage

Imperial Insurance Traditional Plus (HMO) formulary is divided into Tiers or levels of coverage based on usage and according to the medication costs. Each tier will have a defined copay that you must pay to receive the drug. Drugs in lower tiers will usually cost less than those in higher tiers. By reviewing different Medicare Drug formularies, you can pick a Medicare Advantage plan that covers your medications. Additionally, you can choose a plan that has your drugs listed at a lower price. You can see complete 2022 Imperial Insurance Traditional Plus (HMO) H2793-007 Formulary here.

Drug Tier Copay
Tier 1 NA 25%
Tier 2 NA 25%
Tier 3 NA 25%
Tier 4 NA 25%
Tier 5 NA 25%
*Initial Coverage Phase and 30 day supply

2021 Imperial Insurance Traditional Plus (HMO) Summary of Benefits

*This will be updated with 2022 data when available.

Additional Benefits


Comprehensive Dental

Diagnostic services $0 copay
Endodontics $0 copay
Extractions $0 copay
Non-routine services $0 copay
Periodontics $0 copay
Prosthodontics, other oral/maxillofacial surgery, other services $0 copay
Restorative services $0 copay


Coming soon

Diagnostic Tests and Procedures

Diagnostic radiology services (e.g., MRI) 20% coinsurance
Diagnostic tests and procedures 20% coinsurance
Lab services $0 copay
Outpatient x-rays 20% coinsurance

Doctor Visits

Primary 20% coinsurance per visit
Specialist 20% coinsurance per visit

Emergency care/Urgent Care

Emergency 20% coinsurance per visit (always covered)
Urgent care 20% coinsurance per visit (always covered)

Foot Care (podiatry services)

Foot exams and treatment 20% coinsurance
Routine foot care $0 copay

Ground Ambulance

20% coinsurance


Fitting/evaluation 20% coinsurance
Hearing aids 20% coinsurance
Hearing exam 20% coinsurance

Inpatient Hospital Coverage

Coming soon

Medical Equipment/Supplies

Diabetes supplies 20% coinsurance per item
Durable medical equipment (e.g., wheelchairs, oxygen) 20% coinsurance per item
Prosthetics (e.g., braces, artificial limbs) 20% coinsurance per item

Medicare Part B Drugs

Chemotherapy 20% coinsurance
Other Part B drugs 20% coinsurance

Mental Health Services

Inpatient hospital - psychiatric Coming soon
Outpatient group therapy visit 20% coinsurance
Outpatient group therapy visit with a psychiatrist 20% coinsurance
Outpatient individual therapy visit 20% coinsurance
Outpatient individual therapy visit with a psychiatrist 20% coinsurance


$2,999 In-network



Optional supplemental benefits


Outpatient Hospital Coverage

20% coinsurance per visit

Preventive Care

$0 copay

Preventive Dental

Cleaning $0 copay
Dental x-ray(s) $0 copay
Fluoride treatment $0 copay
Oral exam $0 copay

Rehabilitation Services

Occupational therapy visit 20% coinsurance
Physical therapy and speech and language therapy visit 20% coinsurance

Skilled Nursing Facility

Coming soon


$0 copay


Contact lenses 20% coinsurance
Eyeglass frames Not covered
Eyeglass lenses Not covered
Eyeglasses (frames and lenses) 20% coinsurance
Other Not covered
Routine eye exam 20% coinsurance
Upgrades Not covered

Wellness Programs (e.g. fitness nursing hotline)


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Sat 8am-8pm EST

Coverage Area for Imperial Insurance Traditional Plus (HMO)

(Click county to compare all available Advantage plans)

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Source: CMS.
Data as of September 1, 2021.
Notes: Data are subject to change as contracts are finalized. For 2022, enhanced alternative may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part-D benefit. Includes 2022 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.

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Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment depends on the plan’s contract renewal.

Every year, Medicare evaluates plans based on a 5-star rating system.