Align ChoicePlus (PPO)

Iowa Medicare Advantage Plan (2024 Plan)


Monthly Premium

Your Cost
$0
by Align powered by Sanford Health Plan

Additional Coverage

HearingVisionDental

Overall Government Star Rating

 4.5
out of 5 stars

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Plan Name
Align ChoicePlus (PPO)
Insurance Carrier
Align powered by Sanford Health Plan
Plan Type
Medicare Advantage Plan With Part D Prescription Drug Coverage
Network Type
PPO

Align ChoicePlus (PPO) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, which is available in Iowa and offered by the health insurance company Align powered by Sanford Health Plan. This plan’s network type is PPO which determines in-network doctors who accept the health plan and whether a referral is needed.

Monthly Premium
$0
Annual Deductible
$0
Max Out-of-Pocket
$4,000
Primary doctor visit
$0 copay
Specialist visit
$0 copay
ER visit
$90 copay per visit (always covered)
Ambulance
$240 copay

Align ChoicePlus (PPO) has a monthly premium cost of $0 per month, with an annual deductible of $0 and a maximum out of pocket cost sharing of $4,000 In and Out-of-network $4,000 In-network. The most common benefit costs which people evaluate when choosing a plan are costs for a primary doctor visit, specialist doctor visit, emergency room visit, and ambulance. These costs are listed in this summary section and a full list of benefit costs for Align ChoicePlus (PPO) are defined below.

Yes
Part D Prescription Drug Coverage
Yes
Dental
Yes
Vision
Yes
Hearing

Align ChoicePlus (PPO) is a Medicare Advantage plan which does include Medicare Part D Prescription Drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. Align ChoicePlus (PPO) includes coverage for hearing, vision, dental.

Medicare Advantage health plans can offer even more additional benefits. Align ChoicePlus (PPO) includes coverage for the following additional benefits:

Other benefits

Fitness benefit
Limited coverage
Over the counter drug benefits
Limited coverage
In-home support services
Not covered
Home and bathroom safety devices
Not covered
Meals for short duration
Limited coverage
Annual physical exams
Limited coverage
Telehealth
Limited coverage

Each year the federal government evaluates the quality of Medicare Advantage and Part D Prescription Drug plans based on a 5-star scoring system. For 2024, Align ChoicePlus (PPO) received an overall government quality rating of 4.5 stars out of 5 stars.

Align ChoicePlus (PPO) performed better than Iowa’s State average overall quality score of 4.2 stars.

This Plan’s 5-star Gov’t Quality Score
Iowa State Average Score
Overall Government 5 Star Quality Rating
 4.5
 4.2
Summary rating of health plan quality
 5
 4.2
Staying healthy: screenings, tests, & vaccines
 5
 4.0
Managing chronic (long term) conditions
No Rating (new plan)
 3.4
Member experience with health plan
 5
 4.3
Member complaints & changes in the health plan's performance
 5
 4.5
Health plan customer service
No Rating (new plan)
 4.2
Summary rating of drug plan quality
 4
 4.0
Drug plan customer service
 2
 3.9
Member complaints & changes in the drug plan's performance
 5
 4.5
Member experience with the drug plan
 4
 3.7
Drug safety & accuracy of drug pricing
 4
 3.7

The government calculates an “Overall star rating” based on ratings for sub components including “Health plan star rating” and “Drug plan star rating”, which includes further subcomponents of each.

Align ChoicePlus (PPO) received 5 stars for its health plan quality score which is better than the Iowa State average health plan quality score of 4.2 stars.

Align ChoicePlus (PPO) received 4 stars for its drug plan quality score which is the same as the Iowa State average drug plan quality score of 4.0 stars.


Monthly Premium
$0
Health Portion of Premium
$0
Drug Portion of Premium
$0
Health Plan Deductible
$0
Health Plan Max Out-of-Pocket
$4,000 In and Out-of-network
$4,000 In-network
Nationwide Coverage included
No
Hearing Coverage included
Yes
Vision Coverage included
Yes
Dental Coverage included
Yes

Doctor Services

Primary doctor visit
In-network: $0 copay
Out-of-network: $10-90 copay or 20% coinsurance per visit
Specialist visit
In-network: $0 copay
Out-of-network: $10-90 copay or 20% coinsurance per visit

Tests, labs, & imaging

Diagnostic tests & procedures
In-network: $0 copay
Out-of-network: $10-600 copay or 20% coinsurance
Lab services
In-network: $0 copay
Out-of-network: $10-600 copay or 20% coinsurance
Diagnostic radiology services (like MRI)
In-network: $0-325 copay
Out-of-network: $10-600 copay or 20% coinsurance
Outpatient x-rays
In-network: $20 copay
Out-of-network: $10-600 copay or 20% coinsurance
Emergency care
$90 copay per visit (always covered)
Urgent care
$35 copay per visit (always covered)

Hospital Services

Inpatient hospital coverage
In-network: $125 per day for days 1 through 4
$0 per day for days 5 through 90
Out-of-network: In 2024 the amounts for each benefit period are:
$1,632 deductible for days 1 through 60
$408 copay per day for days 61 through 90
Outpatient hospital coverage
In-network: $200 copay per visit
Out-of-network: $10-600 copay or 20% coinsurance per visit

Skilled nursing facility

Skilled nursing facility
In-network: In 2024 the amounts for each benefit period are:
$0 copay for days 1 through 20
$204 copay per day for days 21 through 100
Out-of-network: In 2024 the amounts for each benefit period are:
$0 copay for days 1 through 20
$204 copay per day for days 21 through 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: $10-90 copay or 20% coinsurance
Physical therapy & speech & language therapy visit
In-network: $30 copay
Out-of-network: $10-90 copay or 20% coinsurance

Mental health services

Outpatient group therapy with a psychiatrist
In-network: $40 copay
Out-of-network: $10-90 copay or 20% coinsurance
Outpatient individual therapy with a psychiatrist
In-network: $40 copay
Out-of-network: $10-90 copay or 20% coinsurance
Outpatient group therapy visit
In-network: $20 copay
Out-of-network: $10-90 copay or 20% coinsurance
Outpatient individual therapy visit
In-network: $20 copay
Out-of-network: $10-90 copay or 20% coinsurance

Opioid treatment services

Opioid treatment services
Covered

Other services

Durable medical equipment (like wheelchairs & oxygen)
In-network: 20% coinsurance per item
Out-of-network: 0-20% coinsurance per item
Prosthetics (like braces, artificial limbs)
In-network: 20% coinsurance per item
Out-of-network: 0-20% coinsurance per item
Diabetes supplies
In-network: $0 copay
Out-of-network: 0-20% coinsurance per item

Tier drug costs for: Standard retail pharmacy drug cost for 1-month

TiersInitial coverage phaseGap coverage phaseCatastrophic coverage phase
Preferred Generic$3.00 copay


Generic drugs :
25%

Brand-name drugs :
25%


Generic drugs :
$0 copay

Brand-name drugs :
$0 copay

Generic$8.00 copay
Preferred Brand$47.00 copay
Non-Preferred Drug$100.00 copay
Specialty Tier30%

Part B Drugs

Chemotherapy drugs
In-network: $100 copay or 0-20% coinsurance
Out-of-network: 0-20% coinsurance
Other Part B drugs
In-network: 0-20% coinsurance
Out-of-network: 0-20% coinsurance

Hearing

Hearing exam
In-network: $0 copay
Out-of-network: 0-50% coinsurance
Fitting/evaluation
Not covered
Hearing aids - All types
In-network: $0 copay
Out-of-network: 0-50% coinsurance

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
Not covered
Dental x-rays
In-network: $0 copay
Out-of-network: $0 copay

Comprehensive dental

Non-routine services
Not covered
Diagnostic services
Not covered
Restorative services
In-network: $0 copay
Out-of-network: $0 copay
Endodontics
In-network: $0 copay
Out-of-network: $0 copay
Periodontics
In-network: $0 copay
Out-of-network: $0 copay
Extractions
In-network: $0 copay
Out-of-network: $0 copay
Prosthodontics, other oral/maxillofacial surgery, other services
In-network: $0 copay
Out-of-network: $0 copay

Vision

Routine eye exam
In-network: $0 copay
Out-of-network: 0-50% coinsurance
Contact lenses
In-network: $0 copay
Out-of-network: 0-50% coinsurance
Eyeglasses (frames & lenses)
In-network: $0 copay
Out-of-network: 0-50% coinsurance
Eyeglass frames (only)
Not covered
Eyeglass lenses (only)
Not covered
Upgrades
In-network: $0 copay
Out-of-network: 0-50% coinsurance

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