Clear Spring Health Essential (PPO)
H2020 - 001 - 0
(0 / 5)
Clear Spring Health Essential (PPO) is a Medicare Advantage (Part C) Plan by Clear Spring Health.
This page features plan details for 2022 Clear Spring Health Essential (PPO) H2020 – 001 – 0 available in Metro Denver, Boulder and Ft. Collins.
IMPORTANT: This page features the 2022 version of this plan. See the 2024 version using the link below:
No 2024 version found. You can use the location links below to find 2024 plans in your area.
Locations
Clear Spring Health Essential (PPO) is offered in the following locations.
Plan Overview
Clear Spring Health Essential (PPO) offers the following coverage and cost-sharing.
| Insurer: | Clear Spring Health |
| Health Plan Deductible: | $0 |
| MOOP: | $5,500.00 |
| Drugs Covered: | Yes |
Ready to sign up for Clear Spring Health Essential (PPO) ?
Premium Breakdown
Clear Spring Health Essential (PPO) has a monthly premium of $0. This amount includes your Part C and D premiums but does not include your Part B premium. The following is a breakdown of your monthly premium with Part B costs included.| Part B | Part C | Part D | Part B Give Back | Total |
|---|---|---|---|---|
| $170.10 | $0.00 | $0.00 | $0.00 | $170.10 |
- Your Part B premium may differ based on factors including late enrollment, income, and disability status.
- You may also qualify for “Extra Help” on drug costs. See the Part D Premium Reduction section below for more details.
Drug Info
Clear Spring Health Essential (PPO) provides the following cost-sharing on drugs. Please check the plan’s formulary for specific drugs covered.
| Drug Deductible: | $0.00 |
| Initial Coverage Limit: | $4,430.00 |
| Catastrophic Coverage Limit: | $7,050.00 |
| Drug Benefit Type: | Enhanced |
| Gap Coverage: | Yes |
| Formulary Link: | Formulary Link |
Part D Premium Reduction
The Low-Income Subsidy (also known as LIS or “Extra Help”) helps people with Medicare lower the cost of prescription drugs. The table below shows how the LIS impacts the Part D premium of this plan.| Part D | LIS 25% | LIS 50% | LIS 75% | LIS Full |
|---|---|---|---|---|
| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
Initial Coverage Phase
After you pay your $0.00 drug deductible, you will pay the following costs for drugs in each tier until your total drug costs (including what this plan has paid and what you have paid) reach $4,430.00. Once you reach that amount, you will enter the next coverage phase.
30 Day
60 Day
90 Day
30 Day
60 Day
90 Day
Gap Coverage Phase
After your total drug costs (including what this plan has paid and what you have paid) reach $4,430.00, you will pay no more than the amounts below for any drug tier until you reach $7,050.00.
30 Day
90 Day
30 Day
| Tier | Pref. Pharm | Std. Pharm | Pref. Mail | Std. Mail |
|---|---|---|---|---|
| 1 (Preferred Generic) | $0.00 copay | $9.00 copay | $0.00 copay | $9.00 copay |
| 2 (Generic) | $7.00 copay | $14.00 copay | $2.00 copay | $14.00 copay |
90 Day
| Tier | Pref. Pharm | Std. Pharm | Pref. Mail | Std. Mail |
|---|---|---|---|---|
| 1 (Preferred Generic) | $0.00 copay | $0.00 copay | $0.00 copay | $0.00 copay |
| 2 (Generic) | $21.00 copay | $42.00 copay | $0.00 copay | $42.00 copay |
| Tier | Cost |
|---|---|
| All other tiers (Generic) | 25% |
| All other tiers (Brand-name) | 25% |
Catastrophic Coverage Phase
After your yearly out-of-pocket drug costs (including drugs purchased through your retail pharmacy and through mail order) reach $7,050.00, you will pay no more than the greater of the two amounts listed below for generic and brand-name drugs.
| Tier | Cost |
|---|---|
| Generic | $4.15 copay or 5% (whichever costs more) |
| Brand-name | $10.35 copay or 5% (whichever costs more) |
Additional Benefits
Clear Spring Health Essential (PPO) also provides the following benefits.
Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?
| In-Network: No |
Dental (comprehensive)
| Diagnostic services: | In-Network: $0 copay (limits may apply) |
| Diagnostic services: | Out-of-Network: $0 copay (limits may apply) |
| Endodontics: | Not covered |
| Extractions: | Not covered |
| Non-routine services: | Not covered |
| Periodontics: | Not covered |
| Prosthodontics, other oral/maxillofacial surgery, other services: | In-Network: $0 copay (limits may apply) |
| Prosthodontics, other oral/maxillofacial surgery, other services: | Out-of-Network: $0 copay (limits may apply) |
| Restorative services: | In-Network: $0 copay (limits may apply) |
| Restorative services: | Out-of-Network: $0 copay (limits may apply) |
Dental (preventive)
| Cleaning: | In-Network: $0 copay (limits may apply) |
| Cleaning: | Out-of-Network: $0 copay (limits may apply) |
| Dental x-ray(s): | In-Network: $0 copay (limits may apply) |
| Dental x-ray(s): | Out-of-Network: $0 copay (limits may apply) |
| Fluoride treatment: | In-Network: $0 copay (limits may apply) |
| Fluoride treatment: | Out-of-Network: $0 copay (limits may apply) |
| Oral exam: | In-Network: $0 copay (limits may apply) |
| Oral exam: | Out-of-Network: $0 copay (limits may apply) |
Diagnostic procedures/lab services/imaging
| Diagnostic radiology services (e.g., MRI): | In-Network: $20-175 copay (authorization required) |
| Diagnostic radiology services (e.g., MRI): | Out-of-Network: 45% coinsurance (authorization required) |
| Diagnostic tests and procedures: | In-Network: $0 copay |
| Diagnostic tests and procedures: | Out-of-Network: 45% coinsurance |
| Lab services: | In-Network: $0 copay |
| Lab services: | Out-of-Network: 45% coinsurance |
| Outpatient x-rays: | In-Network: $20 copay (authorization required) |
| Outpatient x-rays: | Out-of-Network: 45% coinsurance (authorization required) |
Doctor visits
| Primary: | In-Network: $0 copay |
| Primary: | Out-of-Network: 45% coinsurance per visit |
| Specialist: | In-Network: $0 copay |
| Specialist: | Out-of-Network: 45% coinsurance per visit |
Emergency care/Urgent care
| Emergency: | $90 copay per visit (always covered) |
| Urgent care: | $30 copay per visit (always covered) |
Foot care (podiatry services)
| Foot exams and treatment: | In-Network: $0 copay |
| Foot exams and treatment: | Out-of-Network: 45% coinsurance |
| Routine foot care: | Not covered |
Ground ambulance
| In-Network: $270 copay | |
| Out-of-Network: $275 copay |
Health plan deductible
| $0.00 |
Health plan deductibles (other)
| In-Network: No |
Hearing
| Fitting/evaluation: | In-Network: $0 copay |
| Fitting/evaluation: | Out-of-Network: 45% coinsurance |
| Hearing aids: | In-Network: $400 copay (limits may apply) |
| Hearing aids: | Out-of-Network: 45% coinsurance (limits may apply) |
| Hearing exam: | In-Network: $0 copay |
| Hearing exam: | Out-of-Network: 45% coinsurance |
Hospital coverage (inpatient)
| In-Network: $300 per day for days 1 through 5 $0 per day for days 6 through 90 (authorization required) | |
| Out-of-Network: 45% per day for days 1 through 5 45% per day for days 6 through 90 (authorization required) |
Hospital coverage (outpatient)
| In-Network: $45-340 copay per visit (authorization required) | |
| Out-of-Network: 45% coinsurance per visit (authorization required) |
Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)
| $10,000 In and Out-of-network $5,500 In-network |
Medical equipment/supplies
| Diabetes supplies: | In-Network: $0 copay (authorization required) |
| Diabetes supplies: | Out-of-Network: 20% coinsurance per item (authorization required) |
| Durable medical equipment (e.g., wheelchairs, oxygen): | In-Network: 20% coinsurance per item (authorization required) |
| Durable medical equipment (e.g., wheelchairs, oxygen): | Out-of-Network: 45% coinsurance per item (authorization required) |
| Prosthetics (e.g., braces, artificial limbs): | In-Network: 20% coinsurance per item (authorization required) |
| Prosthetics (e.g., braces, artificial limbs): | Out-of-Network: 45% coinsurance per item (authorization required) |
Medicare Part B drugs
| Chemotherapy: | In-Network: 20% coinsurance (authorization required) |
| Chemotherapy: | Out-of-Network: 45% coinsurance (authorization required) |
| Other Part B drugs: | In-Network: 20% coinsurance (authorization required) |
| Other Part B drugs: | Out-of-Network: 45% coinsurance (authorization required) |
Mental health services
| Inpatient hospital – psychiatric: | In-Network: $275 per day for days 1 through 6 $0 per day for days 7 through 90 (authorization required) |
| Inpatient hospital – psychiatric: | Out-of-Network: 45% per day for days 1 through 6 45% per day for days 7 through 90 (authorization required) |
| Outpatient group therapy visit with a psychiatrist: | In-Network: $40 copay |
| Outpatient group therapy visit with a psychiatrist: | Out-of-Network: 45% coinsurance |
| Outpatient group therapy visit: | In-Network: $40 copay |
| Outpatient group therapy visit: | Out-of-Network: 45% coinsurance |
| Outpatient individual therapy visit with a psychiatrist: | In-Network: $40 copay |
| Outpatient individual therapy visit with a psychiatrist: | Out-of-Network: 45% coinsurance |
| Outpatient individual therapy visit: | In-Network: $40 copay |
| Outpatient individual therapy visit: | Out-of-Network: 45% coinsurance |
Optional supplemental benefits
| No |
Preventive care
| In-Network: $0 copay | |
| Out-of-Network: 45% coinsurance |
Rehabilitation services
| Occupational therapy visit: | In-Network: $40 copay (authorization required) |
| Occupational therapy visit: | Out-of-Network: 45% coinsurance (authorization required) |
| Physical therapy and speech and language therapy visit: | In-Network: $40 copay (authorization required) |
| Physical therapy and speech and language therapy visit: | Out-of-Network: 45% coinsurance (authorization required) |
Skilled Nursing Facility
| In-Network: $0 per day for days 1 through 20 $178 per day for days 21 through 100 (authorization required) | |
| Out-of-Network: 45% per day for days 1 through 20 45% per day for days 21 through 100 (authorization required) |
Transportation
| Not covered |
Vision
| Contact lenses: | Not covered |
| Eyeglass frames: | Not covered |
| Eyeglass lenses: | Not covered |
| Eyeglasses (frames and lenses): | In-Network: $0 copay (limits may apply) |
| Eyeglasses (frames and lenses): | Out-of-Network: 45% coinsurance (limits may apply) |
| Other: | Not covered |
| Routine eye exam: | In-Network: $0 copay (limits may apply) |
| Routine eye exam: | Out-of-Network: 45% coinsurance (limits may apply) |
| Upgrades: | Not covered |
Wellness programs (e.g., fitness, nursing hotline)
| Covered |
Ready to sign up for Clear Spring Health Essential (PPO) ?