HealthMate for Medicare
PPO
Monthly premium
$143.00
Consider this plan if you frequently receive care outside of RI. This plan offers the freedom to choose the providers you see. The flexibility of having your health insurance travel with you when you travel nationwide. And the most comprehensive benefits with your health in mind.
Medical
- $0 copay for PCMH PCP visits
- $0 labs/X-rays
- $0 virtual doctors' visits 24/7
- $15 acupuncture benefit
- $25 specialist visits
- Flat dollar outpatient surgery copay
- Out-of-network coverage
Prescription Drugs
- $0 drug deductible
- $0 Tier 1 and Tier 2 prescription copays at preferred pharmacies
- $20 preferred insulin copay (30-day supply) or $50 (90-day). Copays will not increase, even through the coverage gap.*
Dental/Hearing/Vision
- $0 preventive and comprehensive dental including crowns
- $0 for routine hearing and vision screenings
- 2 hearing aids, starting at $0, annually
- $300 vision hardware allowance
- $250/year allowance for dental and hearing (Flexible Benefit Card)
Extras
- $75/quarter over-the-counter (OTC) benefit for everyday health items (Flexible Benefit Card)
- $150 annual wellness reimbursement
- $0 fitness benefit
- $0 rides
- 40 hours/year of household help
What's covered
See if your doctor and pharmacy are in the network
Ambulance
$150/trip
Dental Services
Medicare-covered
In-network: 20% of the cost
Out-of-network: 50% of the cost
Preventive & Comprehensive
In-network: $0
Out-of-network: 50% of the cost
$2,000 limit on all covered dental services for preventive and comprehensive dental services.
Diabetes Supplies and Services
In-network: $0
Out-of-network: $25 copay
You must use OneTouch plan-designated monitors and test strips.
Diagnostic Tests, Lab and Radiology Services, and X-rays
In-network
$0 for lab services
$0 for diagnostic tests and X-rays
$100 for high-tech radiology services (for example, MRIs)
Out-of-network
$10 for lab services
$10 for diagnostic tests and X-rays
$200 for high-tech radiology services (for example, MRIs)
Emergency Care
$90 copay per visit
If you are admitted to the hospital within 24 hours, you do not have to pay your share of the cost for emergency care.
Hearing Services
Routine hearing
In-network: $0
Out-of-network: $50 copay per visit
Non-routine hearing
In-network: $25 copay per visit
Out-of-network: $50 copay per visit
Hearing aids
In-network: $0-$1,475 copay per hearing aid (2 aids every year)
Out-of-network: 50% coinsurance for hearing aids and visits up to $500 per ear (2 aids every year)
Outpatient Hospital/Surgery
In-network
Up to $200 copay per visit for ambulatory surgical center-based services
Up to $250 copay per visit for hospital-based services
Out-of-network
Up to $500 copay per visit
Primary Care Provider Visit
In-network: $0 PCMH or $10 non-PCMH copay per visit
Out-of-network: $25 copay per visit
Specialist Visit
In-network: $25 copay per visit
Out-of-network: $50 copay per visit
Vision Visit
Routine vision
In-network: $0
Out-of-network: $50 copay per visit
Non-routine vision
In-network: $25 copay per visit
Out-of-network: $50 copay per visit
Vision hardware
Our plan offers a $300/year allowance for vision hardware.
Preventive Care
In-network: $0
Out-of-network: $25
Inpatient Hospital Care
In-network: $300 copay per day for days 1-5, $0 Days 6+
Out-of-network: 20% of the cost
Our plan covers an unlimited number of days for an in-network inpatient hospital stay.
Skilled Nursing Facility (SNF)
In-network
$0 copay per day for days 1-20
$150 copay per day for days 21-45
$0 copay per day for days 46-100
Out-of-network
20% of the cost
Our plan covers up to 100 days in a SNF.
No deductible
Tier 1 (Preferred Generic)
$0 copay
$8 copay
Tier 2 (Non-preferred Generic)
$0 copay
$16 copay
Tier 3 (Preferred Brand)
$47 copay
$47 copay
Tier 4 (Non-preferred Drug)
$100 copay
$100 copay
Tier 5 (Specialty Tier)
33% of the cost
33% of the cost
Preferred Mail Order (90-day Supply)
$0 for Tiers 1 and 2
Gap Coverage
$0 for Tiers 1 and 2
$8 for Tier 1 and $16 for Tier 2
Preferred Insulins (30-day Supply)
$20
*$20 preferred insulin copay (30-day supply) or $50 (90-day) for preferred insulins on Tier 3. Tier 4 formulary insulins will have a $35 (30-day supply) or $105 (90-day) copay.
1 The out-of-pocket maximum includes only Medicare-covered services. This is the most a member would pay for these services during a calendar year. You must receive all routine care from plan providers unless you select the BlueCHiP for Medicare Value (HMO-POS), BlueCHiP for Medicare Extra (HMO-POS), BlueCHiP for Medicare Preferred (HMO-POS), or the HealthMate for Medicare (PPO) plan. If you select the BlueCHiP for Medicare Value, BlueCHiP for Medicare Extra, BlueCHiP for Medicare Preferred, or the HealthMate for Medicare plan, with the exception of emergency or urgent care, ambulance, or dialysis services, it may cost more to get care from out-of-network providers.
2 A preauthorization may be required. Review may include but is not limited to pre-authorization and/or continued treatment by the plan and/or plan designee. Contact plan for details.
3 You must use network pharmacies to access your prescription drug benefit, except under non-routine circumstances, quantity limitations and restrictions may apply. Please refer to the Evidence of Coverage for prescription drug cost share information in a long-term care setting, mail order, and extended day retail supplies as well as detailed benefit information concerning the Deductible stage, Initial Coverage stage, Coverage Gap stage, and the Catastrophic level stage.