MercyOne Health Plan No Premium (HMO)

by MercyOne Health Plan

2026 Medicare Advantage plan available in Iowa

Plan ID H3668-025-0

Additional coverage:

RxHearingVisionDental

Medicare Advantage HMO $0 premium 4.5 Overall

Monthly plan premium $0 / mo

Annual deductible $0 / yr

Max out-of-pocket · in-network $4,200 / yr

Drug deductible $150 / yr

4.5 Overall Government Star Rating 2026 · out of 5 stars

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Plan Overview

MercyOne Health Plan No Premium (HMO) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, which is available in Iowa and offered by the health insurance company MercyOne Health Plan. 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 MercyOne Health Plan No Premium (HMO)

Insurance Carrier MercyOne Health Plan

Plan Type Medicare Advantage Plan With Part D Prescription Drug Coverage

Network Type HMO

Cost Summary

MercyOne Health Plan No Premium (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 $4,200. 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 $4,200 / yr

Primary doctor visit $0 copay

Specialist visit $30 copay

ER visit $110 copay

Ambulance $240 copay

Additional Benefits and Coverage

MercyOne Health Plan No Premium (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. MercyOne Health Plan No Premium (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 Not covered

Home & bathroom safety devices Not covered

Meals for short duration Limited coverage

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: $30 copay
Out-of-network: $30 copay

Tests, labs & imaging

Diagnostic tests & procedures In-network: $30 copay
Out-of-network: $30 copay

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

Diagnostic radiology services (like MRI) In-network: $160 copay
Out-of-network: $160 copay

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

Emergency care $110 copay

Urgent care $30 copay

Hospital Services

Inpatient hospital coverage Tier 1
$325 per day for days 1-5
$0 per day for days 6-90
$0 per stay

Outpatient hospital coverage In-network: $0-$275 copay
Out-of-network: $0-$275 copay

Skilled nursing facility

Skilled nursing facility Tier 1
$0 per day for days 1-20
$218 per day for days 21-60
$0 per day for days 61-100

Preventive services

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

Ambulance

Ground ambulance In-network: $240 copay
Out-of-network: $240 copay

Therapy services

Occupational therapy visit In-network: $30 copay
Out-of-network: $30 copay

Physical therapy & speech & language therapy visit In-network: $30 copay
Out-of-network: $30 copay

Mental health services

Outpatient group therapy with a psychiatrist In-network: $30 copay
Out-of-network: $30 copay

Outpatient individual therapy with a psychiatrist In-network: $30 copay
Out-of-network: $30 copay

Outpatient group therapy visit In-network: $30 copay
Out-of-network: $30 copay

Outpatient individual therapy visit In-network: $30 copay
Out-of-network: $30 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 copay
Out-of-network: $0 copay

Prescription drugs (Part D benefits)

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

Preferred Generic $0.00 copay $0 copay

Generic $0.00 copay $0 copay

Preferred Brand 25% coinsurance $0 copay

Non-Preferred Drug 50% coinsurance $0 copay

Specialty Tier 31% 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, MercyOne Health Plan No Premium (HMO) earned an overall rating of 4.5 stars — better than Iowa's state average of 4.0 stars.

Rating category This plan State average

Overall star rating ★ 4.5 4.0

Health plan quality

Summary rating of health plan quality ★ 4.0 3.9

Staying healthy: screenings, tests & vaccines ★ 3.0 3.8

Managing chronic (long-term) conditions ★ 3.0 3.2

Member experience with health plan ★ 5.0 4.1

Member complaints & changes in performance ★ 5.0 4.2

Health plan customer service ★ 5.0 4.0

Drug plan quality

Summary rating of drug plan quality ★ 4.0 3.6

Drug plan customer service ★ 3.0 4.5

Member complaints & changes in performance ★ 5.0 3.8

Member experience with the drug plan ★ 4.0 3.5

Drug safety & accuracy of drug pricing ★ 4.0 3.8

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: $599-$899 copay
Out-of-network: $599-$899 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 In-network: 50% coinsurance
Out-of-network: 50% coinsurance

Endodontics In-network: 70% coinsurance
Out-of-network: 70% coinsurance

Periodontics In-network: 70% coinsurance
Out-of-network: 70% coinsurance

Prosthodontics, removable Not covered

Prosthodontics, fixed Not covered

Maxillofacial prosthetics Not covered

Implant services Not covered

Oral and maxillofacial surgery In-network: 50% coinsurance
Out-of-network: 50% coinsurance

Orthodontics Not covered

Adjunctive general services In-network: $0 copay
Out-of-network: $0 copay

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)

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