Mass Advantage Plus HMO Summary of Benefits (2023)

$100

You must continue to pay your Medicare Part B premium. 

This plan does not have a deductible.

This plan does not have a deductible.

$3,450 for services you receive from in-network providers

This is the most you will pay for copays, coinsurance, and other costs for Medicare-covered medical services, supplies, and Part B-covered medication for the plan year. What you pay out-of pocket for Part D prescription drugs and certain supplemental
benefits (dental, hearing aids) do not apply to this amount.

Please refer to the Evidence of Coverage for more information.

Days 1 – 5: $150 copay per day

Days 6 – beyond: $0 copay per day

Outpatient Hospital: $150 copay per stay

Observation Services: $150 copay per stay

$150 copay per visit

Primary Care: $0 copay per visit

Specialist: $20 copay per visit

$90 copay per visit

If you are admitted to the hospital within 24 hours, you do not have to pay your emergency care copay.

Worldwide Emergency Coverage: $120 copay per visit.

Lab services: $0 copay

Diagnostic tests and procedures: $0 copay

Outpatient X-ray services: $0 copay

Diagnostic Radiology services (such as MRI, MRA, CT, PET): $225 copay

Routine and Hearing Aids services outlined below must be received from a NationsBenefits Hearing Health Care provider.

• Routine hearing exam: $0 copay (1 every calendar year)
• Entry Hearing Aids: $500 per hearing aid
• Basic Hearing Aids: $675 per hearing aid
• Prime Hearing Aids: $975 per hearing aid
• Preferred Hearing Aids: $1,275 per hearing aid
• Advanced Hearing Aids: $1,575 per hearing aid
• Premium Hearing Aids: $1,975 per hearing aid Limit of two hearing aids per calendar year, (one per ear).

Medicare-covered Hearing care: $40 copay for each Medicare-covered hearing care service if required for another medical procedure and deemed medically necessary by a physician.

Preventive and Comprehensive dental services outlined below must be received from a DentaQuest provider.

Preventive dental services include the following: $0 copay

• Oral exam (2 per calendar year)
• Cleaning (2 per calendar year)
• Fluoride treatment (2 per calendar year)
• Dental X-rays (1 set per calendar year)
  • One vertical bitewing imaging, and one panoramic imaging is covered once every 36 months
  • Intraoral occlusal imaging is covered twice every 24 months
  • Intraoral-complete series is covered once every 36 months.

Comprehensive Oral exam is covered once every 36 months

• Comprehensive dental services include the following: 20%
  coinsurance for each service outlined below
• Diagnostic Services (1 per calendar year)
• Restorative Services: (1 every two years)
• Endodontics*
• Periodontics (1 visit every three years)
• Extractions*

• Prosthodontics, including dentures, other oral/maxillofacial surgery, and other services*

*You should review your Evidence of Coverage (EOC) for additional details and coverage limits.

There is a maximum allowance of $1,500 every calendar year; it applies to all comprehensive dental benefits. You are responsible for amounts beyond this limit.

Medicare-covered Dental Care: $20 copay for each Medicare-covered dental care service if required for another medical procedure and deemed medically necessary by a physician.

Routine and vision services outlined below must be received by an EyeQuest provider.

• Routine eye exam: $0 copay per visit (1 every calendar year)
• $200 allowance every calendar year to use towards the purchase of contact lenses, eyeglass lenses, and eyeglass frames.

Medicare-covered Vision Care: $20 copay for each Medicare-covered eye exam related to the diagnosis and treatment of diseases and conditions of the eye.

Outpatient group therapy: $15 copay per visit

Outpatient individual therapy: $15 copay per visit

Inpatient Mental Health Care:

• Days 1-5: $200 per day
• Days 6-90: $0 per day

Days 1-20: $0 copay per day

Days 21-51: $75 copay per day

Days 52-100: $0 copay per day

Occupational therapy: $0 copay per visit

Speech and language therapy: $0 copay per visit

Physical therapy: $0 copay per visit

Ground Ambulance: $200 copay (per one-way trip)

Air Ambulance: $200 copay (per one-way trip)

If you are admitted to the hospital, you do not have to pay your -ambulance services copay.

$0 copay for 12 one-way rides per year for plan approved health-related locations.

Members can use taxi, ridesharing, and medical transportation services under this benefit.

Chemotherapy drugs: 15% coinsurance

Other Part B drugs: 15% coinsurance

You pay the following until your total yearly drug costs reach $4,660. Total yearly drug costs are the drug costs paid by both you and our Part D plan.

Standard Retail Cost-Sharing

Standard Mail Order

Your cost-sharing may be different if you use a Long-Term Care pharmacy, or an out-of-network pharmacy.

**Select Insulins: Cost-sharing is applicable in the Initial Coverage, and Coverage Gap phases of the Part D benefit, and only apply to beneficiaries who are not eligible for Low Income Subsidy costsharing.

Part D Vaccines: Cost-sharing of $0 is applicable in the Deductible, Initial Coverage, and Coverage Gap phases of the Part D benefit.

You will continue to pay the Tier 1 and Tier 2 copay for drugs while in the coverage gap stage.

For Tiers 3, 4, and 5 drugs: After you enter the coverage gap stage, you pay 25% of the plan’s cost for covered brand name drugs (plus a portion of the dispensing fee) and 25% of the plan’s cost for covered generic drugs until your costs total $7,400 which is the end of the coverage gap.

**Select Insulins: Cost-sharing is applicable in the Deductible, Initial Coverage, and Coverage Gap phases of the Part D benefit, and only applies to beneficiaries who are not eligible for Low Income Subsidy cost-sharing.

Part D Vaccines: Cost-sharing of $0 is applicable in the Deductible, Initial Coverage, and Coverage Gap phases of the Part D benefit.

After your yearly out-of-pocket drug costs reach $7,400, you pay the greater of:

• $4.15 copay for generic (including brand drugs treated as generic) and a $10.35 copay for all other drugs, or
• 5% of the cost

You have $100 every quarter to spend on plan approved OTC items. OTC items must be ordered through Convey Health Solutions.

You are allowed to order once per quarter. Any unused money will carry over to the next quarter but will not carry over to the next benefit year.

Primary Care Visits: $0 copay per visit

Specialist Visits: $20 copay per visit

Individual Sessions for Mental Health Specialty Services: $0

Individual Sessions for Outpatient Substance Abuse: $0

Durable Medical Equipment (e.g., wheelchairs, oxygen): 20% coinsurance

Prosthetics (e.g., braces, artificial limbs): 20% coinsurance

Diabetic supplies:

• 0% coinsurance for Medicare-covered diabetic glucometer
  and supplies from a preferred manufacturer (Abbott and
  Lifescan)
• 0% coinsurance for Medicare-covered therapeutic shoes or
  inserts for people with diabetes who have severe diabetic
  foot disease.

Flex Card: $500 every year

The flex card is available to members to pay for:

• Eyewear
• Fitness benefits
• Weight management programs and services
• Nutritional / dietary benefits
• Parking: for qualified members with certain Chronic Conditions (SSBCI) there is an extra $50 for parking

The flex card is preloaded with the full benefit amount and members choose where to use it. Members may pay a portion or the full cost of an item or buy a combination of items up to the allotted limit.

Flex card is not eligible for cost sharing for covered benefits.

The parking benefit mentioned above is part of a special supplemental program for the chronically ill. Not all members qualify.