Health First Emerald Plus H1099-026 (HMO)

by Health First Health Plans, Inc.

2026 Medicare Advantage plan available in Florida

Plan ID H1099-026-0

Additional coverage:

RxHearingVisionDental

Medicare Advantage HMO $0 premium 4.0 Overall

Monthly plan premium $0 / mo

Annual deductible $0 / yr

Max out-of-pocket · in-network $4,150 / yr

Drug deductible $350 / yr

4.0 Overall Government Star Rating 2026 · out of 5 stars

Ready to enroll online?

Find your plan and self-enroll online

Enroll online →

Support Our Senior 65+ Partner

Get Sign Up Help

Quote · Compare · Enroll

Speak with a licensed
insurance agent

(888) 763-2752

TTY 711

Medicare Advantage Plans Medicare Prescription Drug Plans Medicare Supplement Insurance Plans

Mon-Fri: 8am-9pm ET

Plan Overview

Health First Emerald Plus H1099-026 (HMO) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, which is available in Florida and offered by the health insurance company Health First Health Plans, Inc.. This plan's network type is HMO, which determines the in-network doctors who accept the plan and whether a referral is needed.

Plan Name Health First Emerald Plus H1099-026 (HMO)

Insurance Carrier Health First Health Plans, Inc.

Plan Type Medicare Advantage Plan With Part D Prescription Drug Coverage

Network Type HMO

Cost Summary

Health First Emerald Plus H1099-026 (HMO) has a monthly premium cost of $0 per month, with an annual deductible of $0 and a maximum out-of-pocket cost sharing of $4,150. The most common costs people evaluate when choosing a plan are listed here; a full list of benefit costs is defined below.

Monthly Premium $0 / mo

Health portion of premium $0

Drug portion of premium $0

Annual Deductible $0 / yr

Max Out-of-Pocket · in-network $4,150 / yr

Primary doctor visit $0 copay

Specialist visit $20 copay

ER visit $150 copay

Ambulance $260 copay

Additional Benefits and Coverage

Health First Emerald Plus H1099-026 (HMO) is a Medicare Advantage plan which includes Medicare Part D prescription drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. Health First Emerald Plus H1099-026 (HMO) includes coverage for hearing, vision, dental.

Part D Prescription Drug Coverage Yes

Dental Yes

Vision Yes

Hearing Yes

Nationwide Coverage No

Other benefits

Fitness benefit Limited coverage

Over-the-counter drug benefits Limited coverage

In-home support services Limited coverage

Home & bathroom safety devices Not covered

Meals for short duration Not covered

Annual physical exams Limited coverage

Telehealth Limited coverage

Medical Benefits

Doctor Services

Primary doctor visit In-network: $0 copay
Out-of-network: $0 copay

Specialist visit In-network: $20 copay
Out-of-network: $20 copay

Tests, labs & imaging

Diagnostic tests & procedures In-network: $40 copay
Out-of-network: $40 copay

Lab services In-network: 0%-20% coinsurance
Out-of-network: 0%-20% coinsurance

Diagnostic radiology services (like MRI) In-network: $175 copay
Out-of-network: $175 copay

Outpatient x-rays In-network: $40 copay
Out-of-network: $40 copay

Emergency care $150 copay

Urgent care $25 copay

Hospital Services

Inpatient hospital coverage Tier 1
$200 per day for days 1-8
$0 per day for days 9-90
$0 per stay

Outpatient hospital coverage In-network: $0-$150 copay
Out-of-network: $0-$150 copay

Skilled nursing facility

Skilled nursing facility Tier 1
$0 per day for days 1-20
$180 per day for days 21-100

Preventive services

Preventive services In-network: $0 copay
Out-of-network: $0 copay

Ambulance

Ground ambulance In-network: $260 copay
Out-of-network: $260 copay

Therapy services

Occupational therapy visit In-network: $20 copay
Out-of-network: $20 copay

Physical therapy & speech & language therapy visit In-network: $20 copay
Out-of-network: $20 copay

Mental health services

Outpatient group therapy with a psychiatrist In-network: $25 copay
Out-of-network: $25 copay

Outpatient individual therapy with a psychiatrist In-network: $25 copay
Out-of-network: $25 copay

Outpatient group therapy visit In-network: $25 copay
Out-of-network: $25 copay

Outpatient individual therapy visit In-network: $25 copay
Out-of-network: $25 copay

Opioid treatment services

Opioid treatment services Covered

Other services

Durable medical equipment (like wheelchairs & oxygen) In-network: 20% coinsurance
Out-of-network: 20% coinsurance

Prosthetics (like braces, artificial limbs) In-network: 20% coinsurance
Out-of-network: 20% coinsurance

Diabetes supplies In-network: 0%-20% coinsurance
Out-of-network: 0%-20% coinsurance

Prescription drugs (Part D benefits)

Drug tier standard retail · 1-month supply Initial coverage Catastrophic

Preferred Generic $0.00 copay $0 copay

Generic $10.00 copay $0 copay

Preferred Brand $47.00 copay $0 copay

Non-Preferred Drug 25% coinsurance $0 copay

Specialty Tier 28% coinsurance $0 copay

Part B drugs

Chemotherapy drugs In-network: 0%-20% coinsurance
Out-of-network: 0%-20% coinsurance

Other Part B drugs In-network: 0%-20% coinsurance
Out-of-network: 0%-20% coinsurance

Medicare star rating

Each year the federal government rates Medicare Advantage and Part D plans on a 5-star system covering quality of care, chronic-condition management, member experience, and customer service. For 2026, Health First Emerald Plus (HMO) earned an overall rating of 4.0 stars — worse than Florida's state average of 4.4 stars.

Rating category This plan State average

Overall star rating ★ 4.0 4.4

Health plan quality

Summary rating of health plan quality ★ 4.5 4.4

Staying healthy: screenings, tests & vaccines ★ 3.0 3.7

Managing chronic (long-term) conditions ★ 4.0 4.0

Member experience with health plan ★ 5.0 4.3

Member complaints & changes in performance ★ 5.0 4.1

Health plan customer service ★ 4.0 4.6

Drug plan quality

Summary rating of drug plan quality ★ 3.5 4.0

Drug plan customer service ★ 3.0 4.8

Member complaints & changes in performance ★ 4.0 3.7

Member experience with the drug plan ★ 5.0 4.3

Drug safety & accuracy of drug pricing ★ 3.0 3.9

Extra Benefits

Hearing

Hearing exam In-network: $0 copay
Out-of-network: $0 copay

Fitting/evaluation In-network: $0 copay
Out-of-network: $0 copay

Hearing aids - prescription In-network: $0 copay
Out-of-network: $0 copay

Hearing aids - over the counter Not covered

Preventive dental

Oral exam In-network: $0 copay
Out-of-network: $0 copay

Cleaning In-network: $0 copay
Out-of-network: $0 copay

Fluoride treatment In-network: $0 copay
Out-of-network: $0 copay

Dental x-rays In-network: $0 copay
Out-of-network: $0 copay

Comprehensive dental

Restorative services Not covered

Endodontics Not covered

Periodontics Not covered

Prosthodontics, removable Not covered

Prosthodontics, fixed Not covered

Maxillofacial prosthetics Not covered

Implant services Not covered

Oral and maxillofacial surgery Not covered

Orthodontics Not covered

Adjunctive general services Not covered

Vision

Routine eye exam In-network: $0 copay
Out-of-network: $0 copay

Contact lenses In-network: $0 copay
Out-of-network: $0 copay

Eyeglasses (frames & lenses) In-network: $0 copay
Out-of-network: $0 copay

Eyeglass frames (only) In-network: $0 copay
Out-of-network: $0 copay

Eyeglass lenses (only) In-network: $0 copay
Out-of-network: $0 copay

Upgrades Not covered

Plan documents & tools

Plan details (carrier site)Provider directory Drug list (formulary)

When can I sign up for Medicare?

Enter your birthday month and year to see when you can enroll in each part of Medicare.

Best Florida Medicare Advantage Health Insurance Companies for 2026

Health Plan Radar

In this article we rank Florida Medicare Advantage plans based on our evaluation of government 5-star quality scores.

New Florida Medicare Advantage Health Insurance Companies for 2026