2022 MediGold Essential Care (HMO)


MediGold Essential Care (HMO) H6910-001 is a 2022 Medicare Advantage Plan or Part-C by MediGold available to residents in Idaho. This plan includes additional prescription drug (Part-D) coverage. The MediGold Essential Care (HMO) has a monthly premium of $0 and has an in-network maximum out-of-pocket limit of $5,500 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $5,500 out-of-pocket. This can be a extremely nice safety net.

MediGold Essential Care (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.

MediGold works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for MediGold Essential Care (HMO) you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from MediGold 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 MediGold except hospice care. Original Medicare still provides you with hospice care even if you sign up for Medicare Advantage.




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2022 MediGold Medicare Advantage Plan Costs

Name:
MediGold Essential Care (HMO)
Plan ID:
H6910-001
Provider:MediGold
Year:2022
Type: Local HMO
Monthly Premium C+D: $0
Part C Premium:$0.00
MOOP: $5,500
Part D (Drug) Premium:$0.00
Part D Supplemental Premium$0.00
Total Part D Premium:$0.00
Drug Deductible:$0.00
Tiers with No Deductible:0
Gap Coverage:Yes
Benchmark:not below the regional benchmark
Type of Medicare Health:Enhanced Alternative
Drug Benefit Type:Enhanced
Similar Plan: H6910-002
New Plan: 2023 H6910-002




MediGold Essential Care (HMO) Part-C Premium

MediGold 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.



H6910-001 Part-D Deductible and Premium

MediGold Essential Care (HMO) has a monthly drug premium of $0.00 and a $0.00 drug deductible. This MediGold plan offers a $0.00 Part-D Basic Premium that is not 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 MediGold 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.



MediGold 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 MediGold plan does offer additional coverage through the gap.



H6910-001 Formulary or Drug Coverage

MediGold Essential Care (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 MediGold Essential Care (HMO) H6910-001 Formulary here.

Drug Tier Copay
Preferred
Pharmacy
Copay
Nonpreferred
Pharmacy
Tier 1 $0 $10
Tier 2 $6 $20
Tier 3 $31 $47
Tier 4 $90 $100
Tier 5 33% 33%
*Initial Coverage Phase and 30 day supply





2021 MediGold Essential Care (HMO) Summary of Benefits

*This will be updated with 2022 data when available.



Additional Benefits


No



Comprehensive Dental


Diagnostic services Not covered
Endodontics Not covered
Extractions Not covered
Non-routine services Not covered
Periodontics Not covered
Prosthodontics, other oral/maxillofacial surgery, other services Not covered
Restorative services Not covered



Deductible


$0



Diagnostic Tests and Procedures


Diagnostic radiology services (e.g., MRI) $90 copay
Diagnostic tests and procedures $0-20 copay
Lab services $0 copay
Outpatient x-rays $20 copay



Doctor Visits


Primary $0 copay
Specialist $40 copay per visit



Emergency care/Urgent Care


Emergency $90 copay per visit (always covered)
Urgent care $30 copay per visit (always covered)



Foot Care (podiatry services)


Foot exams and treatment $40 copay
Routine foot care Not covered



Ground Ambulance


$250 copay



Hearing


Fitting/evaluation $0 copay
Hearing aids $699-999 copay
Hearing exam $40 copay



Inpatient Hospital Coverage


$325 per day for days 1 through 4
$0 per day for days 5 through 90



Medical Equipment/Supplies


Diabetes supplies $0 copay 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 $325 per day for days 1 through 4
$0 per day for days 5 through 90
Outpatient group therapy visit $40 copay
Outpatient group therapy visit with a psychiatrist $40 copay
Outpatient individual therapy visit $40 copay
Outpatient individual therapy visit with a psychiatrist $40 copay



MOOP


$5,500 In-network



Option


No



Optional supplemental benefits


Yes



Outpatient Hospital Coverage


$40-250 copay per visit



Package #1


Deductible
Monthly Premium $20.00



Package #2


Deductible
Monthly Premium $35.00



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 $40 copay
Physical therapy and speech and language therapy visit $40 copay



Skilled Nursing Facility


$0 per day for days 1 through 20
$184 per day for days 21 through 53
$0 per day for days 54 through 100



Transportation


Not covered



Vision


Contact lenses $0 copay
Eyeglass frames $0 copay
Eyeglass lenses $0 copay
Eyeglasses (frames and lenses) $0 copay
Other Not covered
Routine eye exam $0 copay
Upgrades Not covered



Wellness Programs (e.g. fitness nursing hotline)


Covered





Ready to Enroll?

Click Here

Or Call
1-855-778-4180
Mon-Fri 8am-8pm EST
Sat 8am-8pm EST




Coverage Area for MediGold Essential Care (HMO)

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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.

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