Essence Advantage Choice (PPO)
Missouri Medicare Advantage Plan (2024 Plan)
Additional Coverage
HearingVisionDental
Overall Government Star Rating
No Rating (new plan)
Plan Name
Essence Advantage Choice (PPO)
Plan Type
Medicare Advantage Plan With Part D Prescription Drug Coverage
Essence Advantage Choice (PPO) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, which is available in Missouri and offered by the health insurance company Essence Healthcare. This plan’s network type is PPO which determines in-network doctors who accept the health plan and whether a referral is needed.
Primary doctor visit
$0 copay
Specialist visit
$30 copay per visit
ER visit
$110 copay per visit (always covered)
Essence Advantage Choice (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 $5,400 In and Out-of-network
$3,400 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 Essence Advantage Choice (PPO) are defined below.
Yes
Part D Prescription Drug Coverage
Essence Advantage Choice (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. Essence Advantage Choice (PPO) includes coverage for hearing, vision, dental.
Medicare Advantage health plans can offer even more additional benefits. Essence Advantage Choice (PPO) includes coverage for the following additional benefits:
Other benefits
Over the counter drug benefits
Home and bathroom safety devices
Health Portion of Premium
Health Plan Max Out-of-Pocket
$5,400 In and Out-of-network
$3,400 In-network
Nationwide Coverage included
Hearing Coverage included
Doctor Services
Primary doctor visit
In-network: $0 copay
Out-of-network: $15 copay per visit
Specialist visit
In-network: $30 copay per visit
Out-of-network: $30 copay per visit
Tests, labs, & imaging
Diagnostic tests & procedures
In-network: $0-30 copay
Out-of-network: $0-30 copay
Lab services
In-network: $0 copay
Out-of-network: 40% coinsurance
Diagnostic radiology services (like MRI)
In-network: $0-200 copay
Out-of-network: $0-200 copay
Outpatient x-rays
In-network: $15 copay
Out-of-network: $15 copay
Emergency care
$110 copay per visit (always covered)
Urgent care
$40 copay per visit (always covered)
Hospital Services
Inpatient hospital coverage
In-network: $290 per day for days 1 through 5
$0 per day for days 6 through 90
Out-of-network: $290 per day for days 1 through 5
$0 per day for days 6 through 90
Outpatient hospital coverage
In-network: $280 copay per visit
Out-of-network: $280 copay per visit
Skilled nursing facility
Skilled nursing facility
In-network: $0 per day for days 1 through 20
$170 per day for days 21 through 100
Out-of-network: 40% per stay
Preventive services
Preventive services
In-network: $0 copay
Out-of-network: $0 copay
Ambulance
Ground ambulance
In-network: $270 copay
Out-of-network: $270 copay
Therapy services
Occupational therapy visit
In-network: $40 copay
Out-of-network: $40 copay
Physical therapy & speech & language therapy visit
In-network: $40 copay
Out-of-network: $40 copay
Mental health services
Outpatient group therapy with a psychiatrist
In-network: $0 copay
Out-of-network: $0 copay
Outpatient individual therapy with a psychiatrist
In-network: $0 copay
Out-of-network: $0 copay
Outpatient group therapy visit
In-network: $0 copay
Out-of-network: $0 copay
Outpatient individual therapy visit
In-network: $0 copay
Out-of-network: $0 copay
Opioid treatment services
Opioid treatment services
Other services
Durable medical equipment (like wheelchairs & oxygen)
In-network: 20% coinsurance per item
Out-of-network: 40% coinsurance per item
Prosthetics (like braces, artificial limbs)
In-network: 20% coinsurance per item
Out-of-network: 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
Tiers | Initial coverage phase | Gap coverage phase1 | Catastrophic coverage phase |
---|
Preferred Generic | $4.00 copay | $4.00 copay |
Generic drugs :
$0 copay Brand-name drugs :
$0 copay |
Generic | $12.00 copay | $12.00 copay |
Preferred Brand | $47.00 copay | |
Non-Preferred Drug | | |
Specialty Tier | 33% | |
1 For all other drugs, you pay 25% for generic drugs and 25% for brand-name drugs. |
Part B Drugs
Chemotherapy drugs
In-network: 0-20% coinsurance
Out-of-network: 0-40% coinsurance
Other Part B drugs
In-network: 0-20% coinsurance
Out-of-network: 0-40% coinsurance
Hearing
Hearing exam
In-network: $20 copay
Out-of-network: $20 copay
Fitting/evaluation
In-network: $0 copay
Out-of-network: $20 copay
Hearing aids - All types
In-network: $0 copay
Out-of-network: $0 copay
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: $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 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
In-network: $15-65 copay or 80-90% coinsurance
Out-of-network: $0 copay
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