Compare Plans

Our commitment is to provide you with the best health coverage possible. Compare your plan options side-by-side to find the one that fits your lifestyle and your budget.

Have Questions? Call Now:

1-844-267-1361
(TTY: 711)

To see plans available in your area, please enter your zip code.

Viewing Plans for

CareAdvantage
2024 Preferred (HMO) Plan
$0.00/mo
Enroll Now
CareAdvantage
2025 Preferred (HMO) Plan
$0.00/mo
Enroll Now
CarePartners
2024 Access (PPO) Plan
$0.00/mo
Enroll Now

Plan Essentials

Deductible

$0

$0

$0 (combination of in and out-of-network costs) 

Maximum Out of Pocket

$4,900

$4,900

$6,350 for in-network costs; $9,550 for a combination of in and out-of-network costs

Drugs and Drug Deductibles

Drug Deductible
Hover or click to review tooltip text

Drugs Description

Drug costs shown for Tier 1 and Tier 2 are reflective of Preferred Pharmacy pricing. Please use our Preferred Pharmacy Directory at carepartnersct.com/pharmacy to find a location near you.

$0

Gap Coverage: Once you and your plan have spent $5,030 on covered drugs combined, you're in the Coverage Gap Stage where the 30-day supply costs are: $0 for Tier 6 vaccine drugs, $35 for covered insulin drugs, and 25% of the cost for Part D generic and brand name drugs, plus a portion of the dispensing fee for Tiers 1-5.

Catastrophic Coverage: Once you've spent $8,000 in out-of-pocket prescription costs you are in the Catastrophic Coverage Stage. If you reach the Catastrophic Coverage Stage, you pay nothing for covered Part D drugs and for excluded drugs that are covered under our enhanced benefit

$0

Gap Coverage: There is no Gap Coverage Stage for this plan's drug coverage. After the Initial Coverage (IC) stage, the members will move on to the Catastrophic Coverage (CC) stage.

Catastrophic Coverage: Once you've spent $2,000 in out-of-pocket prescription costs you are in the Catastrophic Coverage Stage. If you reach the Catastrophic Coverage Stage, you pay nothing for covered Part D drugs and for excluded drugs that are covered under our enhanced benefit

$0

Gap Coverage: Once you and your plan have spent $5,030 on covered drugs combined, you're in the Coverage Gap Stage where the 30-day supply costs are: $0 for Tier 6vaccine drugs, $35 for covered insulin drugs, and 25% of the cost for Part D generic and brand name drugs, plus a portion of the dispensing fee for Tiers 1-5.

Catastrophic Coverage: Once you've spent $8,000 in out-of-pocket prescription costs you are in the Catastrophic Coverage Stage. If you reach the Catastrophic Coverage Stage, you pay nothing for covered Part D drugs and for excluded drugs that are covered under our enhanced benefit.

Tier 1 Drug Costs

Preferred Retail Pharmacy

30 Day Supply: $0
90 Day Supply: $0

Non-preferred Retail Pharmacy

30 Day Supply: $10
90 Day Supply: $30

Preferred Retail Pharmacy

30 Day Supply: $0
90 Day Supply: $0

Non-preferred Retail Pharmacy

30 Day Supply: $10
90 Day Supply: $30

Preferred Retail Pharmacy

30 Day Supply: $0
90 Day Supply: $0

Non-preferred Retail Pharmacy

30 Day Supply: $10
90 Day Supply: $30

Tier 2 Drug Costs

Preferred Retail Pharmacy

30 Day Supply: $0
90 Day Supply: $0

Non-preferred Retail Pharmacy

30 Day Supply: $15
90 Day Supply: $45

Preferred Retail Pharmacy

30 Day Supply: $5
90 Day Supply: $15

Non-preferred Retail Pharmacy

30 Day Supply: $15
90 Day Supply: $45

Preferred Retail Pharmacy

30 Day Supply: $0
90 Day Supply: $0

Non-preferred Retail Pharmacy

30 Day Supply: $15
90 Day Supply: $45

Tier 3 Drug Costs

Preferred Retail Pharmacy

30 Day Supply: $47
90 Day Supply: $141

Non-preferred Retail Pharmacy

30 Day Supply: $47
90 Day Supply: $141

Preferred Retail Pharmacy

30 Day Supply: 25% of cost
90 Day Supply: 25% of cost

Non-preferred Retail Pharmacy

30 Day Supply: 25% of cost
90 Day Supply: 25% of cost

Preferred Retail Pharmacy

30 Day Supply: $47
90 Day Supply: $141

Non-preferred Retail Pharmacy

30 Day Supply: $47
90 Day Supply: $141

Tier 4 Drug Costs

Preferred Retail Pharmacy

30 Day Supply: $100
90 Day Supply: $300

Non-preferred Retail Pharmacy

30 Day Supply: $100
90 Day Supply: $300

Preferred Retail Pharmacy

30 Day Supply: 50% of cost
90 Day Supply: 50% of cost

Non-preferred Retail Pharmacy

30 Day Supply: 50% of cost
90 Day Supply: 50% of cost

Preferred Retail Pharmacy

30 Day Supply: $100
90 Day Supply: $300

Non-preferred Retail Pharmacy

30 Day Supply: $100
90 Day Supply: $300

Tier 5 Drug Costs

Preferred Retail Pharmacy

30 Day Supply: 33% of cost
90 Day Supply: N/A

Non-preferred Retail Pharmacy

30 Day Supply: 33% of cost
90 Day Supply: N/A

Preferred Retail Pharmacy

30 Day Supply: 33% of cost
90 Day Supply: N/A

Non-preferred Retail Pharmacy

30 Day Supply: 33% of cost
90 Day Supply: N/A

Preferred Retail Pharmacy

30 Day Supply: 33% of cost
90 Day Supply: N/A

Non-preferred Retail Pharmacy

30 Day Supply: 33% of cost
90 Day Supply: N/A

Tier 6 Drug Costs

$0

$0 for 30-day retail supply

$0

Vaccines

$0

$0 for 30-day retail supply

$0

Covered Insulin Drugs

Part B: $35/month (Other Part B Drugs: up to 20%)

 

Part D: Your copay for covered insulin will not exceed $35 per 30-day supply regardless of the drug tier. This means that your copay is the Tier 1, Tier 2, Tier 3, or Tier 4 copay, or $35 per 30-day supply, whichever is lower.

Routine Doctor Visits & Checkups

Primary Care Provider (PCP)

$0 per visit

$0 per visit.

In-Network: $0; Out-of-Network: $50 per visit

Telehealth

$0 copay for e-visits, virtual check-ins, and remote patient monitoring with your PCP or Specialist.


For all other telehealth visits, copay is the same as corresponding in-person visit copay

$0 copay for e-visits, virtual check-ins, and remote patient monitoring with your PCP or Specialist.


For all other telehealth visits, copay is the same as corresponding in-person visit copay

In-Network: Includes Medicare covered services and additional telehealth services. $0 copay for e-visits, virtual visits, and remote patient monitoring with your PCP or Specialist. For all other telehealth visits, copay is the same as corresponding in-person visit copay.

Out-of-Network: Includes Medicare covered services; cost share is the same as corresponding in-person visit copay. Additional telehealth services not covered. 

Laboratory Services

$0 per day for Lab Services. Prior Authorization may be required.

$0 per day for Lab Services. Prior Authorization may be required.

In-Network: $0. Prior Authorization may be required for in-network services; Out-of-Network: 40% coinsurance.

Routine Vision Exam

$15 per annual visit

$15 per annual visit

In-Network: $0 per annual visit; Out-of-Network $65 per annual visit

Routine Hearing Exam

$0 per annual visit

$0 per annual visit

In-Network: $0 per annual visit; Out-of-Network: $65 per annual visit after deductible

Specialty Visits, Surgery & Exams

Specialist Copay

$45 per visit

$45 per visit.

In-Network: $45 per visit; Out-of-Network: $65 per visit.

X-Rays

$30 per day. Prior Authorization may be required.

$30 per day. Prior Authorization may be required.

In-Network: $10 per day. Prior Authorization may be required for in-network services; Out-of-Network: 40% coinsurance.

Diagnostic Procedures

$30 per day. Prior Authorization may be required.

$30 per day. Prior Authorization may be required.

In-Network: $40 per day. Prior Authorization may be required for in-network services; Out-of-Network: 40% coinsurance.

Diagnostic Radiology Services

Ultrasound: $60 per day; Others: $250 per day. Prior Authorization may be required.

Ultrasound: $60 per day; Others: $150 per day. Prior Authorization may be required.

In-Network: Ultrasound: $60 per day; Others: $250 per day; Prior Authorization may be required for in-network services; Out-of-Network: 40% coinsurance

Outpatient Surgery

Colonoscopies: $0; Other outpatient surgeries (Ambulatory Surgical Center, ASC): $270 per day; Other outpatient surgeries (Non-ASC): $370 per day. Prior Authorization may be required.

Colonoscopies: $0; Other outpatient surgeries (Ambulatory Surgical Center, ASC): $210 per day; Other outpatient surgeries (Non-ASC): $310 per day. Prior Authorization may be required.

In-Network: Colonoscopy: $0; Others (Ambulatory Surgical Center, ASC): $295 per day; Others (Non-ASC): $395 per day; Prior Authorization may be required for in-network services 

Out-of-Network: 40% coinsurance

Physical, Occupational, and Speech Therapy

$30 per visit

$30 per visit. Your copay for covered insulin will not exceed $35 per 30-day supply.

In-Network: $30 per visit; Out-of-Network: 40% coinsurance.

Outpatient Observation Services
Cardiovascular Screening

$0 per annual visit

$0 per annual visit

In-Network: $0; Out-of-Network: 40% coinsurance

Cancer Screening (Colorectal, Prostate, Breast)

$0 per annual visit

$0 per annual visit

In-Network: $0; Out-of-Network: 40%

Colonoscopy

$0

$0

In-Network: $0; Out-of-Network: 40% coinsurance

Unforeseen Care, Emergency Services & Hospital Stays

Urgent Care

$45 per visit
 

Urgently needed services are provided to treat a non-emergency, unforeseen medical illness, injury, or condition that requires immediate medical care but, given your circumstances, it is not possible, or it is unreasonable, to obtain services from network providers.

$40 per visit
 

Urgently needed services are provided to treat a non-emergency, unforeseen medical illness, injury, or condition that requires immediate medical care but, given your circumstances, it is not possible, or it is unreasonable, to obtain services from network providers. Urgent care copayment is NOT waived if admitted inpatient within 1 day.

$45 per visit for urgently needed services provided to treat a non-emergency, unforeseen medical illness, injury, or condition that requires immediate medical care.

Emergency Room Visits

$90 per visit. There is no limit to the number of visits in a plan year

$125 per visit. There is no limit to the number of visits in a plan year. Copay waived if admitted to observation or inpatient within 1 day for the same condition.

$90 per visit

Inpatient Hospital Coverage

$395 per day for days 1-5. After day 5 you will pay $0 per day. Prior Authorization may be required.

$395 per day for days 1-5. After day 5 you will pay $0 per day. Prior Authorization may be required.

In-Network: $395 per day for days 1-5; $0 after day 5; Prior Authorization may be required for in-network services; Out-of-Network: 40% coinsurance

Ambulance Rides and Services

$300 per one-way trip for medically necessary Ambulance Services. Prior authorization may be required for non-emergency transportation. Includes worldwide emergency transportation coverage.

$300 per one-way trip for medically necessary Ambulance Services. Prior authorization may be required for non-emergency transportation. Includes worldwide emergency transportation coverage.

In-Network and Out-of-Network: $325 per one-way trip. Coverage for medically necessary Ambulance Services. Prior authorization may be required for non-emergency transportation. Includes worldwide emergency transportation coverage.

Acupuncture

$20 per visit. Covers up to 12 visits in 90 days for members with chronic lower back pain. 8 additional visits covered for those demonstrating an improvement. No more than 20 visits administered annually. Additional acupuncture services are eligible for reimbursement under your Wellness Allowance.

$20 per visit. Covers up to 12 visits in 90 days for members with chronic lower back pain. 8 additional visits covered for those demonstrating an improvement. No more than 20 visits administered annually. Additional acupuncture services are eligible for reimbursement under your Wellness Allowance.

In-Network: $20 per visit
Out-of-Network: $65 per visit 

 

Covers up to 12 visits in 90 days for members with chronic lower back pain. 8 additional visits covered for those demonstrating an improvement. No more than 20 visits administered annually.

Benefits

CarePerks Wellness Allowance

$175 per calendar year. Reimbursement of fees to qualified health clubs, participation in instructional fitness classes, nutritional counseling, memory fitness activities, wellness programs, activity tracker (every 3 years), additional acupuncture services beyond Medicare coverage, and more.

$500 per calendar year. Reimbursement of fees to qualified health clubs, participation in instructional fitness classes, nutritional counseling, memory fitness activities, wellness programs, activity tracker (every 3 years), additional acupuncture services beyond Medicare coverage, and more.

Not included.

CarePerks Weight Management Programs

$150 per calendar year. Reimbursement for program fees for weight loss programs such as Weight Watchers or hospital-based weight loss programs. Does not include meals or other program items, such as scales.

$150 per calendar year. Reimbursement for program fees for weight loss programs such as Weight Watchers or hospital-based weight loss programs. Does not include meals or other program items, such as scales.

Not included.

SilverSneakers Membership

You receive a SilverSneakers fitness membership at no additional cost giving you access to 16,000+ gyms nationwide, trained instructors, classes and health and nutrition tips with exercise videos.

You receive a SilverSneakers fitness membership at no additional cost giving you access to 15,000+ gyms nationwide, trained instructors, classes and health and nutrition tips with exercise videos. SilverSneakers includes a fitness membership with access to all basic amenities plus group exercise classes designed to improve muscular strength and endurance, mobility, flexibility, range of motion, balance, agility and coordination. At-home exercise kits are available for SilverSneakers members, including those who have a disability, are recovering from a medical procedure or illness, live in a rural area or experience traffic difficulties and can’t make it to a fitness center. See your Evidence of Coverage for more information. 

In-Network: You receive a SilverSneakers fitness membership at no additional cost giving you access to 16,000+ gyms nationwide, trained instructors, classes and health and nutrition tips with exercise videos. Out-of-Network: You pay $0 for at-home exercise kits.

Over-The-Counter (OTC) Bonus

$67 every calendar quarter for the purchase of covered over-the-counter (OTC) items such as bandages and toothbrushes. Members receive an OTC card loaded quarterly with credit to use towards covered OTC items at participating retailers and plan approved online stores. No rollover of unused quarterly balances. See Evidence of Coverage (EOC) for more information. 

$140 every calendar quarter for the purchase of covered over-the-counter (OTC) items such as bandages and toothbrushes. Members receive an OTC card loaded quarterly with credit to use towards covered OTC items at participating retailers and plan approved online stores. Unused quarterly balances do not rollover. You may also purchase OTC hearing aids using your OTC benefits. See Evidence of Coverage (EOC) for more information.

$65 per calendar quarter to spend on Medicare approved health-related OTC items. Members receive quarterly credit on the Flex Advantage spending card to use towards covered OTC items at participating retailers and plan approved online stores. No rollover of unused quarterly balances. See Evidence of Coverage (EOC) for more information.

Hearing Aid Benefit

You are eligible for up to 2 covered hearing aids per year, 1 aid per ear. . To be covered, the hearing aids must be on the Hearing Care Solutions formulary and must be purchased through Hearing Care Solutions. Different copays apply.

$250 Standard Level

$475 Superior Level

$650 Advanced Level

$850 Advanced Plus Level

$1,150 Premier Level

 

You are eligible for up to 2 covered hearing aids per year, 1 aid per ear. . To be covered, the hearing aids must be on the Hearing Care Solutions formulary and must be purchased through Hearing Care Solutions. Different copays apply.

$250 Standard Level

$475 Superior Level

$650 Advanced Level

$850 Advanced Plus Level

$1,150 Premier Level

 

You are eligible for up to 2 covered hearing aids per year, 1 aid per ear. To be covered, the hearing aids must be on the Hearing Care Solutions formulary and must be purchased through Hearing Care Solutions. Different copays apply.

$250 Standard Level

$475 Superior Level

$650 Advanced Level

$850 Advanced Plus Level

$1,150 Premier Level

Out-of-Network: Hearing aid must be ordered only through Hearing Care Solutions

 

Eyewear Benefit

$150 annual allowance through EyeMed; $90 per calendar year for non-Eyemed provider. Use for standard eyeglasses (prescription lenses, frames, or a combination of lenses and frames) and/or contact lenses.

$300 annual allowance through EyeMed; $300per calendar year for non-Eyemed provider. Use for standard eyeglasses (prescription lenses, frames, or a combination of lenses and frames) and/or contact lenses. The annual allowance may be used to purchase upgrades for Medicare-covered and/or therapeutic eyewear as well as routine/corrective eyewear.

$150 allowance per calendar year for standard eyeglasses (prescription lenses, frames, or a combination of lenses and frames) and/or contact lenses purchased from any provider.

Embedded Dental Benefits

Dental Flex Advantage Spending Card

The Dental Flex Advantage Spending Card is not offered with this plan.

The Dental Flex Advantage Spending Card is not offered with this plan.

Access PPO members receive a yearly dental benefit amount of $1,200, which can be used to pay for any non-cosmetic and non-Medicare-covered dental procedure. The full amount is loaded onto your Flex Advantage spending card at the beginning of the year. The balance does not carry over, so try to use it all before the end of the year. *Restrictions apply. Consult your Evidence of Coverage (EOC) for details.

Individual Annual Deductible

$0

$0

Not Applicable - Dental Covered Under Flex Advantage Spending Card

Calendar Year Maximum

The plan pays up to the calendar year maximum of $3,000.

The plan pays up to the calendar year maximum of $3,000.

Not Applicable - Dental Covered Under Flex Advantage Spending Card

Periodic Oral Evaluation

$0 copay; Two per year.

$0 copay; Two per year.

Not Applicable - Dental Covered Under Flex Advantage Spending Card

Comprehensive Oral Exam

$0 copay; Once every 36 months (includes the initial dental history and charting of teeth)

$0 copay; Once every 36 months (includes the initial dental history and charting of teeth)

Not Applicable - Dental Covered Under Flex Advantage Spending Card

Intra Oral Bitewing X-ray (X-rays of Crowns of Teeth)

$0 copay; Two per year (when oral conditions indicate need).

$0 copay; Two per year (when oral conditions indicate need).

Not Applicable - Dental Covered Under Flex Advantage Spending Card

Intra Oral X-ray - Entire Mouth (Panoramic & Full Mouth)

20% coinsurance; Once every 60 months.

20% coinsurance; Once every 60 months.

Not Applicable - Dental Covered Under Flex Advantage Spending Card

Single Tooth X-ray Images

20% coinsurance; As needed.

20% coinsurance; As needed.

Not Applicable - Dental Covered Under Flex Advantage Spending Card

Silver Fillings and White Fillings

20% coinsurance; Once every 24 months per surface per tooth.

20% coinsurance; Once every 24 months per surface per tooth.

Not Applicable - Dental Covered Under Flex Advantage Spending Card

Periodontal Cleaning

50% coinsurance; Once every 6 months following active periodontal therapy, not to be combined with regular cleanings

50% coinsurance; Once every 6 months following active periodontal therapy, not to be combined with regular cleanings

Not Applicable - Dental Covered Under Flex Advantage Spending Card

Simple Extractions

50% coinsurance; Once per tooth. 

50% coinsurance; Once per tooth. 

Not Applicable - Dental Covered Under Flex Advantage Spending Card

Bridge or Denture Repair

50% coinsurance; Once every 24 months per bridge or denture.

50% coinsurance; Once every 24 months per bridge or denture.

Not Applicable - Dental Covered Under Flex Advantage Spending Card

Dentures (Complete or Partial)

50% coinsurance; Once per arch within 84 months.

50% coinsurance; Once per arch within 84 months.

Not Applicable - Dental Covered Under Flex Advantage Spending Card

Crowns and Onlays (Initial Placement)

50% coinsurance; Once within 84 months per tooth (when teeth cannot be restored with regular filings due to fracture or decay).

50% coinsurance; Once within 84 months per tooth (when teeth cannot be restored with regular filings due to fracture or decay).

Not Applicable - Dental Covered Under Flex Advantage Spending Card

Enroll Now Enroll Now Enroll Now

Have Questions?

Call Toll Free, Monday - Friday, 8 a.m.–8 p.m. (TTY: 711)

1-844-267-1361

Attend an Informational Meeting

Frequently Asked Questions