Essence Advantage Choice Plus (PPO)
Health Insurance Company: Essence Healthcare
Medicare Advantage Plan Details
- Rx
- Dental
- Vision
- Hearing
General Plan Details
Additional Benefits
Doctor & Hospital Coverage
Out-of-network: $30 copay per visit
Out-of-network: $30 copay per visit
Out-of-network: $0 copay
Emergency Room
$110 copay per visit (always covered)
Ambulance Coverage
In-network: $250 copay
Out-of-network: $250 copay
Lab, X-Ray, Radiology Coverage
Outpatient diag procs/tests/lab services:
Medicare-covered diagnostic procedures/tests: In-network: $0-30 copay
Out-of-network: $0-30 copay
Medicare-covered lab services: In-network: $0 copay
Out-of-network: 40% coinsurance
Outpatient diag/therapeutic rad services:
Medicare-covered diagnostic radiological services (e.g., CT, MRI, etc): In-network: $0-200 copay
Out-of-network: $0-200 copay
Medicare-covered x-ray services: In-network: $15 copay
Out-of-network: $15 copay
Outpatient Surgery Coverage
Outpatient hospital:
Medicare-covered outpatient hospital services: In-network: $240 copay per visit
Out-of-network: $240 copay per visit
Hospitalization Coverage
Inpatient hospital-acute:
In-network: $275 per day for days 1 through 4
$0 per day for days 5 through 90
Out-of-network: $275 per day for days 1 through 4
$0 per day for days 5 through 90
Inpatient hospital psychiatric:
In-network: $295 per day for days 1 through 6
$0 per day for days 7 through 90
Out-of-network: $295 per day for days 1 through 6
$0 per day for days 7 through 90
Rehabilitation Coverage
Occupational therapy services:
In-network: $35 copay
Out-of-network: $35 copay
Physical therapy and speech and language therapy services:
In-network: $35 copay
Out-of-network: $35 copay
Urgent Care Coverage
$40 copay per visit (always covered)
Skilled Nursing Facility (SNF)
In-network: $0 per day for days 1 through 20
$170 per day for days 21 through 100
Out-of-network: 40% per stay
Mental Health Coverage
Medicare-covered individual sessions: In-network: $0 copay
Out-of-network: $0 copay
Medicare-covered group sessions: In-network: $0 copay
Out-of-network: $0 copay
Dental, Vision, Hearing Benefits
Dental Services
Oral exams:
In-network: $0 copay
Out-of-network: $0 copay
Prophylaxis (cleaning):
In-network: $0 copay
Out-of-network: $0 copay
Dental x-rays:
In-network: $0 copay
Out-of-network: $0 copay
Vision Benefits
Eye exams:
Routine eye exams: In-network: $0 copay
Out-of-network: $0 copay
Eyewear:
Contact Lenses: In-network: $0 copay
Out-of-network: $0 copay
Eyeglasses: In-network: $0 copay
Out-of-network: $0 copay
Hearing Benefits
Hearing exams:
Routine hearing exams: In-network: $20 copay
Out-of-network: $20 copay
Hearing aids:
Hearing aids (all types): In-network: $0 copay
Out-of-network: $0 copay
Rx Drug Coverage - Preferred Retail Cost
Tier 1: Preferred Generic
$0.00 copay (30-day supply)
$0.00 copay (90-day supply)
Tier 2: Generic
$3.00 copay (30-day supply)
$9.00 copay (90-day supply)
Tier 3: Preferred Brand
$47.00 copay (30-day supply)
$141.00 copay (90-day supply)
Tier 4: Non-Preferred Drug
$95.00 copay (30-day supply)
$285.00 copay (90-day supply)
Tier 5: Specialty Tier
33% coinsurance (30-day supply)
Rx Drug Coverage - Standard Retail Cost
Tier 1: Preferred Generic
$4.00 copay (30-day supply)
$12.00 copay (90-day supply)
Tier 2: Generic
$12.00 copay (30-day supply)
$36.00 copay (90-day supply)
Tier 3: Preferred Brand
$47.00 copay (30-day supply)
$141.00 copay (90-day supply)
Tier 4: Non-Preferred Drug
$100.00 copay (30-day supply)
$300.00 copay (90-day supply)
Tier 5: Specialty Tier
33% coinsurance (30-day supply)
Rx Drug Coverage - Standard Mail Order Cost
Tier 1: Preferred Generic
$0.00 copay (90-day supply)
Tier 2: Generic
$7.50 copay (90-day supply)
Tier 3: Preferred Brand
$117.50 copay (90-day supply)
Tier 4: Non-Preferred Drug
$237.50 copay (90-day supply)
Tier 5: Specialty Tier
33% coinsurance (30-day supply)
More Additional Benefits
Plan Links
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