2027 Medicare Advantage plan

NHC Advantage (HMO I-SNP): 2027 benefits and costs

NHC Advantage HMO I-SNP Special Needs Plan

CMS plan ID: H4172-001-0 · Plan year: 2027

NHC Advantage (HMO I-SNP) is a 2027 Medicare Advantage plan offered by NHC Advantage.

2027 plan costs at a glance

Monthly plan premium$12.20

Drug deductible$700.00

In-network medical out-of-pocket maximum$9,850.00

Organization: NHC Advantage
Plan organization: NHC ADVANTAGE, LLC
Parent company: Missouri Healthcare Advisors, LLC
Plan type: HMO I-SNP
Part C premium: $0.00
Part D premium: $12.20
Prescription drug coverage: Yes
Special Needs Plan type: Institutional
2027 CMS Star Rating

Standard monthly Medicare Part B premium: $209.50 (estimated)

You must continue to pay your Medicare Part B premium.

In-network medical deductible: Same as Medicare's Part B deductible
Applies to certain in-network Medicare-covered services.
In-network medical maximum: $9,850.00

Who can join this Special Needs Plan?

This plan has institutional care eligibility requirements. The plan must confirm your qualifying care needs or living situation before you enroll.

Plan eligibility type: Institutional
Institutional plan type: Hybrid Institutional special needs plan (HI-SNP)

2027 benefit summary

Doctor visits and medical care

Plan-level deductibles may still apply when a service-specific deductible is listed as No.

Common medical services and member costs
Service	In-network	What to know
Primary care doctor	$0 Service-specific deductible No
Specialist visit	20% coinsurance Service-specific deductible No	Approval required No Referral required No
Telehealth	0% to 20% coinsurance Service-specific deductible No	Approval required No Referral required No
Emergency care	$90.00 copay
Urgent care	20% coinsurance
Home health	$0 Service-specific deductible No	Approval required Yes Referral required No
Dialysis	20% coinsurance Service-specific deductible No	Approval required No Referral required No
Part B chemotherapy and radiation drugs	0% to 20% coinsurance Deductible applies No	Approval required Yes
Other Part B drugs	0% to 20% coinsurance Deductible applies No	Approval required Yes
Kidney disease education services	$0 Service-specific deductible No	Approval required No Referral required No
Medicare-covered chiropractic	20% coinsurance Service-specific deductible No	Approval required Yes Referral required No
Medicare-covered foot care	20% coinsurance Service-specific deductible No	Approval required No Referral required No
Other health professionals	20% coinsurance Service-specific deductible No	Approval required No Referral required No

Hospital, outpatient surgery and observation care

Inpatient stays and skilled nursing care

In-network stays. Charges can depend on the number of days and the benefit period.
Care	Your share of the cost	What to know
Inpatient hospital stay	Original Medicare cost-sharing rules apply.	Approval required Yes Referral required No Benefit period Original Medicare
Inpatient mental health care	Original Medicare cost-sharing rules apply.	Approval required Yes Referral required No Benefit period Original Medicare

See plan documents for out-of-network hospital and skilled nursing costs.

Hospital, outpatient surgery and observation care and member costs
Service	In-network	What to know
Outpatient hospital care	20% coinsurance Service-specific deductible No
Hospital observation services	$100.00 copay Service-specific deductible No
Ambulatory surgical center	20% coinsurance Service-specific deductible No	Approval required Yes Referral required No
Outpatient blood	20% coinsurance Service-specific deductible No	Approval required No Referral required No

Tests, imaging and laboratory services

Tests, imaging and laboratory services and member costs
Service	In-network	What to know
Diagnostic procedures and tests	20% coinsurance Service-specific deductible No	Approval required Yes Referral required No
Laboratory services	$0 Service-specific deductible No	Approval required Yes Referral required No
Diagnostic radiology (CT, MRI)	20% coinsurance Service-specific deductible No	Approval required Yes Referral required No
Therapeutic radiology	20% coinsurance Service-specific deductible No	Approval required Yes Referral required No
X-rays	20% coinsurance Service-specific deductible No	Approval required Yes Referral required No

Mental health and substance use treatment

Mental health and substance use treatment and member costs
Service	In-network	What to know
Partial hospitalization	20% coinsurance Service-specific deductible No	Approval required Yes Referral required No
Intensive outpatient program	20% coinsurance Service-specific deductible No	Approval required No Referral required No
Substance use treatment, individual sessions	20% coinsurance Service-specific deductible No	Approval required Yes Referral required No
Substance use treatment, group sessions	20% coinsurance Service-specific deductible No	Approval required Yes Referral required No
Opioid treatment program	$0 Service-specific deductible No	Approval required Yes Referral required No
Mental health, individual sessions	15% coinsurance Service-specific deductible No	Approval required No Referral required No
Mental health, group sessions	15% coinsurance Service-specific deductible No	Approval required No Referral required No
Psychiatry, individual sessions	20% coinsurance Service-specific deductible No	Approval required No Referral required No
Psychiatry, group sessions	20% coinsurance Service-specific deductible No	Approval required No Referral required No

Therapy and rehabilitation

Therapy and rehabilitation and member costs
Service	In-network	What to know
Occupational therapy	20% coinsurance Service-specific deductible No	Approval required Yes Referral required No
Physical and speech therapy	20% coinsurance Service-specific deductible No	Approval required Yes Referral required No
Cardiac rehabilitation	20% coinsurance Service-specific deductible No	Approval required Yes Referral required No
Intensive cardiac rehabilitation	20% coinsurance Service-specific deductible No	Approval required Yes Referral required No
Pulmonary rehabilitation	20% coinsurance Service-specific deductible No	Approval required Yes Referral required No
Supervised exercise for peripheral artery disease	20% coinsurance Service-specific deductible No	Approval required Yes Referral required No

Ambulance, medical equipment and supplies

Ambulance, medical equipment and supplies and member costs
Service	In-network	What to know
Ground ambulance	20% coinsurance Service-specific deductible No	Approval required No
Air ambulance	20% coinsurance Service-specific deductible No	Approval required No
Durable medical equipment	20% coinsurance Service-specific deductible No	Approval required Yes
Prosthetic devices	20% coinsurance Service-specific deductible No	Approval required Yes
Medical supplies	20% coinsurance Service-specific deductible No	Approval required Yes
Diabetic supplies	20% coinsurance Service-specific deductible No	Approval required No
Diabetic shoes and inserts	20% coinsurance Service-specific deductible No	Approval required No
Diabetic monitors	20% coinsurance Service-specific deductible No	Approval required No

Dental benefits

Dental benefits and member costs
Service	In-network	What to know
Medicare-covered dental	20% coinsurance
Oral examsAdditional plan benefit	$0
Dental X-raysAdditional plan benefit	$0
Other diagnostic dentalAdditional plan benefit	$0
Dental cleaningAdditional plan benefit	$0
FluorideAdditional plan benefit	$0
Restorative dental careAdditional plan benefit	$0
Root canal treatment (endodontics)Additional plan benefit	$0
Gum treatment (periodontics)Additional plan benefit	$0
Removable dentures (prosthodontics)Additional plan benefit	$0
Fixed dental restorations (prosthodontics)Additional plan benefit	$0
Oral surgeryAdditional plan benefit	$0
Other dental servicesAdditional plan benefit	$0

Vision benefits

Vision benefits and member costs
Service	In-network	What to know
Medicare-covered eye exams	20% coinsurance Service-specific deductible No	Approval required No Referral required No
Routine eye examsAdditional plan benefit	$0	Approval required No Referral required No
Medicare-covered eyewear	$0 Service-specific deductible No	Approval required No Referral required No
Contact lensesAdditional plan benefit	$0	Approval required No Referral required No
Eyeglasses, lenses and framesAdditional plan benefit	$0	Approval required No Referral required No
Eyeglass lensesAdditional plan benefit	$0	Approval required No Referral required No
Eyeglass framesAdditional plan benefit	$0	Approval required No Referral required No

Hearing benefits

Hearing benefits and member costs
Service	In-network	What to know
Medicare-covered hearing exams	20% coinsurance Service-specific deductible No	Approval required No Referral required No
Routine hearing examsAdditional plan benefit	$0	Approval required No Referral required No
Prescription hearing aids (all types)Additional plan benefit	$0 Service-specific deductible No	Approval required No Referral required No

Extra benefits

Extra benefits and member costs
Service	In-network	What to know
Over-the-counter health itemsAdditional plan benefit	$0 Service-specific deductible No

Allowances and optional benefits

OTC, General Supports for Living

One shared limit covers the listed services, not a separate allowance for each service.

Full allowance details are not summarized here.

Benefits for qualifying members

Beauty and Barber Shop, Hygiene, Clothing

The plan must confirm eligibility, including any qualifying condition.

Qualifying conditions: Chronic alcohol use disorder and other substance use disorders (SUDs); Autoimmune disorders; Cancer; Cardiovascular disorders; Chronic heart failure; Dementia; Diabetes mellitus; Overweight, obesity, and metabolic syndrome; Chronic gastrointestinal disease; Chronic kidney disease (CKD); Severe hematologic disorders; HIV/AIDS; Chronic lung disorders; Chronic and disabling mental health conditions; Neurologic disorders; Stroke; Post-organ transplantation; Immunodeficiency and Immunosuppressive disorders; Conditions associated with cognitive impairment; Conditions with functional challenges; Chronic conditions that impair vision, hearing (deafness), taste, touch, and smell; Conditions that require continued therapy services in order for individuals to maintain or retain functioning; Other 1; Other 2; Other 3
Qualifying conditions: Chronic Hypertension
Qualifying conditions: Chronic Hyperlipidemia
Qualifying conditions: Osteoporosis
Included services: Support for daily living; Other 1 Non-Primarily Health Related Benefit; Other 2 Non-Primarily Health Related Benefit
Some package benefits are exempt from the deductible: Yes
Services exempt from the deductible: Support for daily living; Other 1 Non-Primarily Health Related Benefit; Other 2 Non-Primarily Health Related Benefit
Package limit: $0.00
How often this limit applies: Every three months
How benefits are provided: Catalogue Purchase
Services sharing the package limit: Support for daily living; Other 1 Non-Primarily Health Related Benefit; Other 2 Non-Primarily Health Related Benefit

Prescription drug coverage

Costs shown are for initial coverage.

This plan uses a non-tiered standard drug benefit; individual drug prices are not listed here.

Available prescription supply lengths, not price quotes
Pharmacy	Supply
Standard retail	30 days
Standard retail	60 days
Standard retail	90 days
Out-of-network pharmacy	10 days
Long-term care pharmacy	31 days

Where this plan is offered

CMS lists this plan in 4 states or territories. Availability can vary by county and ZIP code.