MediGold Essential Care (HMO)
H9827 - 001 - 0
(0 / 5)
MediGold Essential Care (HMO) is a Medicare Advantage Plan by MediGold.
This page features plan details for 2022 MediGold Essential Care (HMO) H9827 – 001 – 0 available in Select Counties in New York.
IMPORTANT: This page features the 2022 version of this plan. See the 2025 version using the link below:
Locations
MediGold Essential Care (HMO) is offered in the following locations.
Plan Overview
MediGold Essential Care (HMO) offers the following coverage and cost-sharing.
| Insurer: | MediGold |
| Health Plan Deductible: | $0 |
| MOOP: | $6,200.00 |
| Drugs Covered: | Yes |
Ready to sign up for MediGold Essential Care (HMO) ?
Get help from a licensed insurance agent.
Call 1-877-354-4611 / TTY 711.
M-F: 8:00 am – 10:00 pm EST
Sat-Sun: 8:00 am – 9:00 pm EST
Premium Breakdown
MediGold Essential Care (HMO) has a monthly premium of $0.00. 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 | $ |
- 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
MediGold Essential Care (HMO) 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
30 Day
90 Day
30 Day
| Tier | Pref. Pharm | Std. Pharm | Pref. Mail | Std. Mail |
|---|---|---|---|---|
| 1 (Preferred Generic) | $0.00 copay | $0.00 copay |
90 Day
| Tier | Pref. Pharm | Std. Pharm | Pref. Mail | Std. Mail |
|---|---|---|---|---|
| 1 (Preferred Generic) | $0.00 copay | $0.00 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
MediGold Essential Care (HMO) 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: | $0 copay (limits may apply) |
| Endodontics: | Not covered |
| Extractions: | 50% coinsurance (limits may apply) |
| Non-routine services: | Not covered |
| Periodontics: | Not covered |
| Prosthodontics, other oral/maxillofacial surgery, other services: | Not covered |
| Restorative services: | 50% coinsurance (limits may apply) |
Dental (preventive)
| Cleaning: | $0 copay (limits may apply) |
| Dental x-ray(s): | $0 copay (limits may apply) |
| Fluoride treatment: | $0 copay (limits may apply) |
| Oral exam: | $0 copay (limits may apply) |
Diagnostic procedures/lab services/imaging
| Diagnostic radiology services (e.g., MRI): | $170 copay |
| Diagnostic tests and procedures: | $0-30 copay (authorization required) |
| Lab services: | $0 copay (authorization required) |
| Outpatient x-rays: | $0 copay |
Doctor visits
| Primary: | $0 copay |
| Specialist: | $30 copay 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: | $30 copay |
| Routine foot care: | Not covered |
Ground ambulance
| $240 copay |
Health plan deductible
| $0.00 |
Health plan deductibles (other)
| In-Network: No |
Hearing
| Fitting/evaluation: | $0 copay |
| Hearing aids: | $699-999 copay (limits may apply) |
| Hearing exam: | $30 copay |
Hospital coverage (inpatient)
| $300 per day for days 1 through 5 $0 per day for days 6 through 90 (authorization required) |
Hospital coverage (outpatient)
| $0-295 copay per visit (authorization required) |
Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)
| $6,200 In-network |
Medical equipment/supplies
| Diabetes supplies: | $0 copay per item |
| Durable medical equipment (e.g., wheelchairs, oxygen): | 20% coinsurance per item (authorization required) |
| Prosthetics (e.g., braces, artificial limbs): | 20% coinsurance per item (authorization required) |
Medicare Part B drugs
| Chemotherapy: | 20% coinsurance (authorization required) |
| Other Part B drugs: | 20% coinsurance (authorization required) |
Mental health services
| Inpatient hospital – psychiatric: | $300 per day for days 1 through 5 $0 per day for days 6 through 90 (authorization required) |
| Outpatient group therapy visit with a psychiatrist: | $30 copay |
| Outpatient group therapy visit: | $30 copay |
| Outpatient individual therapy visit with a psychiatrist: | $30 copay |
| Outpatient individual therapy visit: | $30 copay |
Optional supplemental benefits
| Yes |
Preventive care
| $0 copay |
Rehabilitation services
| Occupational therapy visit: | $30 copay |
| Physical therapy and speech and language therapy visit: | $30 copay |
Skilled Nursing Facility
| $0 per day for days 1 through 20 $188 per day for days 21 through 53 $0 per day for days 54 through 100 (authorization required) |
Transportation
| Not covered |
Vision
| Contact lenses: | $0 copay (limits may apply) |
| Eyeglass frames: | $0 copay (limits may apply) |
| Eyeglass lenses: | $0 copay (limits may apply) |
| Eyeglasses (frames and lenses): | $0 copay (limits may apply) |
| Other: | Not covered |
| Routine eye exam: | $0 copay (limits may apply) |
| Upgrades: | Not covered |
Wellness programs (e.g., fitness, nursing hotline)
| Covered |
Optional Benefits
Package #1
| Comprehensive dental: | Monthly Premium: | $19.00 |
| Comprehensive dental: | Deductible: | N/A |
Package #2
| Comprehensive dental: | Monthly Premium: | $42.00 |
| Comprehensive dental: | Deductible: | N/A |
Ready to sign up for MediGold Essential Care (HMO) ?
Get help from a licensed insurance agent.
Call 1-877-354-4611 / TTY 711.
M-F: 8:00 am – 10:00 pm EST
Sat-Sun: 8:00 am – 9:00 pm EST