Essence Advantage Empower (HMO)
Missouri Medicare Advantage Plan (2025 Plan)
Monthly Premium
Additional Coverage
Overall Government Star Rating
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Plan Overview
Essence Advantage Empower (HMO) 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 HMO which determines in-network doctors who accept the health plan and whether a referral is needed.
Cost Summary
Essence Advantage Empower (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 $3,900 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 Empower (HMO) are defined below.
Additional Benefits and Coverage
Essence Advantage Empower (HMO) 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 Empower (HMO) includes coverage for hearing, vision, dental.
Medicare Advantage health plans can offer even more additional benefits. Essence Advantage Empower (HMO) includes coverage for the following additional benefits:
Other benefits
Plan Benefits and Coverage Details
Medical Benefits
Doctor Services
Tests, labs, & imaging
Hospital Services
$0 per day for days 6 through 90
Skilled nursing facility
$170 per day for days 21 through 100
Preventive services
Ambulance
Therapy services
Mental health services
Opioid treatment services
Other services
Prescription Drug Benefits
Tier drug costs for: Standard retail pharmacy drug cost for 1-month
| Tiers | Initial coverage phase | Gap coverage phase | Catastrophic coverage phase |
|---|---|---|---|
| Preferred Generic | $4.00 copay | $0 copay | |
| Generic | $12.00 copay | $0 copay | |
| Preferred Brand | $47.00 copay | $0 copay | |
| Non-Preferred Drug | $100.00 copay | $0 copay | |
| Specialty Tier | 29% coinsurance | $0 copay |
Part B Drugs
Extra Benefits
Hearing
Preventive Dental
Out-of-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Comprehensive dental
Out-of-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Vision
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