Sharp Direct Advantage Gold Card (HMO)

H5386 - 003 - 0
4.5 out of 5 stars (4.5 / 5)

Sharp Direct Advantage Gold Card (HMO) is a Medicare Advantage (Part C) Plan by Sharp Health Plan.

This page features plan details for 2024 Sharp Direct Advantage Gold Card (HMO) H5386 – 003 – 0 available in Sharp Direct Advantage Gold San Diego County.

IMPORTANT: This page has been updated with plan and premium data for 2024.

Locations

Sharp Direct Advantage Gold Card (HMO) is offered in the following locations.

Plan Overview

Sharp Direct Advantage Gold Card (HMO) offers the following coverage and cost-sharing.

Insurer:Sharp Health Plan
Health Plan Deductible:$0.00
MOOP:$2,900 In-network
Drugs Covered:Yes

Ready to sign up for Sharp Direct Advantage Gold Card (HMO) ?

Get help from a licensed insurance agent.

Call 1-877-354-4611 TTY 711.

8am – 11pm EST. 7 days a week

Premium Breakdown

Sharp Direct Advantage Gold Card (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
$174.70 $0.00 $0.00 $0.00 $174.70
Please Note:
  • 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

Sharp Direct Advantage Gold Card (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:$5,030.00
Catastrophic Coverage Limit:$8,000.00
Drug Benefit Type:Enhanced Alternative
Additional Gap Coverage:
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 DLIS Full
$0.00$

NOTE:  The Inflation Reduction Act of 2022 has expanded full subsidy eligibility under the LIS program to individuals with incomes up to 150% of the Federal Poverty Level. People who qualify for Extra Help generally will pay no more than $4.50 for each generic drug and $11.20 for each brand-name drug.

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 $5,030.00. Once you reach that amount, you will enter the next coverage phase.

Gap Coverage Phase

After your total drug costs (including what this plan has paid and what you have paid) reach $5,030.00, you will pay no more than the amounts below for any drug tier until you reach $8,000.00.

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 $8,000.00, you pay nothing for Medicare Part D covered drugs. However, you may still pay a share of the costs for excluded drugs covered under any enhanced benefit. Please note, that this plan has a Enhanced Alternative benefit type.

Additional Benefits

Sharp Direct Advantage Gold Card (HMO) also provides the following benefits.

Health plan deductible

$0

Other health plan deductibles?

In-network No

Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)

$2,900 In-network

Optional supplemental benefits

Yes

Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?

In-network No

Outpatient hospital coverage

$20-225 copay per visit (Authorization is required.) (Referral is required.)

Doctor visits

Primary$5 copay per visit (Not applicable.) (Not applicable.)
Specialist$20 copay per visit (Authorization is required.) (Referral is required.)

Preventive care

$0 copay (Authorization is required.) (Referral is required.)

Emergency care/Urgent care

Emergency$90 copay per visit (always covered) (Not applicable.) (Not applicable.)
Urgent care$30 copay per visit (always covered) (Not applicable.) (Not applicable.)

Diagnostic procedures/lab services/imaging

Diagnostic tests and procedures15% coinsurance (Authorization is required.) (Referral is required.)
Lab services$0 copay (Authorization is required.) (Referral is required.)
Diagnostic radiology services (e.g., MRI)$75 copay (Authorization is required.) (Referral is required.)
Outpatient x-rays$10 copay (Authorization is required.) (Referral is required.)

Hearing

Hearing exam$5 copay (Authorization is required.) (Referral is required.)
Fitting/evaluation$5 copay (Limits may apply.) (Authorization is required.) (Referral is required.)
Hearing aids$0 copay (Limits may apply.) (Authorization is required.) (Referral is not required.)

Preventive dental

Oral examNot covered (There are no limits.) (Not applicable.) (Not applicable.)
CleaningNot covered (There are no limits.) (Not applicable.) (Not applicable.)
Fluoride treatmentNot covered (There are no limits.) (Not applicable.) (Not applicable.)
Dental x-ray(s)Not covered (There are no limits.) (Not applicable.) (Not applicable.)

Comprehensive dental

Non-routine servicesNot covered (There are no limits.) (Not applicable.) (Not applicable.)
Diagnostic servicesNot covered (There are no limits.) (Not applicable.) (Not applicable.)
Restorative servicesNot covered (There are no limits.) (Not applicable.) (Not applicable.)
EndodonticsNot covered (There are no limits.) (Not applicable.) (Not applicable.)
PeriodonticsNot covered (There are no limits.) (Not applicable.) (Not applicable.)
ExtractionsNot covered (There are no limits.) (Not applicable.) (Not applicable.)
Prosthodontics, other oral/maxillofacial surgery, other servicesNot covered (There are no limits.) (Not applicable.) (Not applicable.)

Vision

Routine eye exam$0 copay (Limits may apply.) (Authorization is required.) (Referral is required.)
OtherNot covered (There are no limits.) (Not applicable.) (Not applicable.)
Contact lenses$0 copay (Limits may apply.) (Authorization is not required.) (Referral is not required.)
Eyeglasses (frames and lenses)$20 copay (Limits may apply.) (Authorization is not required.) (Referral is not required.)
Eyeglass frames$20 copay (Limits may apply.) (Authorization is not required.) (Referral is not required.)
Eyeglass lenses$20 copay (Limits may apply.) (Authorization is not required.) (Referral is not required.)
UpgradesNot covered (Not applicable.) (Not applicable.)

Rehabilitation services

Occupational therapy visit$30 copay (Authorization is required.) (Referral is required.)
Physical therapy and speech and language therapy visit$30 copay (Authorization is required.) (Referral is required.)

Ground ambulance

$250 copay (Not applicable.) (Not applicable.)

Transportation

Not covered (Not applicable.) (Not applicable.)

Foot care (podiatry services)

Foot exams and treatment$30 copay (Authorization is required.) (Referral is required.)
Routine foot careNot covered (Not applicable.) (Not applicable.)

Medical equipment/supplies

Durable medical equipment (e.g., wheelchairs, oxygen)20% coinsurance per item (Authorization is required.) (Not applicable.)
Prosthetics (e.g., braces, artificial limbs)20% coinsurance per item (Authorization is required.) (Not applicable.)
Diabetes supplies$0 copay (Authorization is required.) (Not applicable.)

Wellness programs (e.g., fitness, nursing hotline)

Covered (Authorization is not required.) (Referral is not required.)

Medicare Part B drugs

Chemotherapy0-20% coinsurance (Authorization is required.) (Not applicable.)
Other Part B drugs0-20% coinsurance (Authorization is required.) (Not applicable.)
Part B Insulin drugs$35 copay (Authorization is required.) (Not applicable.)

Inpatient hospital coverage

$225 per day for days 1 through 7
$0 per day for days 8 through 90 (Authorization is required.) (Referral is required.)

Mental health services

Inpatient hospital – psychiatric$250 per day for days 1 through 7
$0 per day for days 8 through 90 (Authorization is required.) (Referral is required.)
Outpatient group therapy visit with a psychiatrist$20 copay (Authorization is required.) (Referral is required.)
Outpatient individual therapy visit with a psychiatrist$20 copay (Authorization is required.) (Referral is required.)
Outpatient group therapy visit$20 copay (Authorization is required.) (Referral is required.)
Outpatient individual therapy visit$20 copay (Authorization is required.) (Referral is required.)

Skilled Nursing Facility

$0 per day for days 1 through 20
$125 per day for days 21 through 41
$0 per day for days 42 through 100 (Authorization is required.) (Referral is required.)

Package #1

Monthly Premium$13.00
Deductiblenan

Package #2

Monthly Premium$50.00
Deductiblenan

Optional Benefits

Package #1

Preventive dental:Monthly Premium:$13.00
Preventive dental:Deductible:N/A
Comprehensive dental:Monthly Premium:$13.00
Comprehensive dental:Deductible:N/A

Ready to sign up for Sharp Direct Advantage Gold Card (HMO) ?

Get help from a licensed insurance agent.

Call 1-877-354-4611 TTY 711.

8am – 11pm EST. 7 days a week

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