Sutter Advantage (HMO)
H3815 - 019 - 0
(4 / 5)
Sutter Advantage (HMO) is a Medicare Advantage (Part C) Plan by Alignment Health Plan.
This page features plan details for 2022 Sutter Advantage (HMO) H3815 – 019 – 0 available in Sacramento, Placer & Yolo Counties.
IMPORTANT: This page features the 2022 version of this plan. See the 2024 version using the link below:
Locations
Sutter Advantage (HMO) is offered in the following locations.
Plan Overview
Sutter Advantage (HMO) offers the following coverage and cost-sharing.
| Insurer: | Alignment Health Plan |
| Health Plan Deductible: | $0 |
| MOOP: | $4,900.00 |
| Drugs Covered: | Yes |
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Premium Breakdown
Sutter Advantage (HMO) has a monthly premium of $19. 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 | $19.00 | $0.00 | $189.10 |
- 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
Sutter Advantage (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 |
|---|---|---|---|---|
| $19.00 | $14.20 | $9.50 | $4.70 | $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 |
|---|---|---|---|---|
| 6 (Select Care Drugs) | $5.00 copay | $5.00 copay |
90 Day
| Tier | Pref. Pharm | Std. Pharm | Pref. Mail | Std. Mail |
|---|---|---|---|---|
| 6 (Select Care Drugs) | $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
Sutter Advantage (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 (authorization required) (referral required) |
| Endodontics: | $15-295 copay (authorization required) (referral required) |
| Extractions: | $25-140 copay (authorization required) (referral required) |
| Non-routine services: | $0 copay (authorization required) (referral required) |
| Periodontics: | $15-375 copay (authorization required) (referral required) |
| Prosthodontics, other oral/maxillofacial surgery, other services: | $20-425 copay (authorization required) (referral required) |
| Restorative services: | $20-350 copay (authorization required) (referral required) |
Dental (preventive)
| Cleaning: | $0 copay (limits may apply) (authorization required) (referral required) |
| Dental x-ray(s): | $0 copay (limits may apply) (authorization required) (referral required) |
| Fluoride treatment: | $0 copay (limits may apply) (authorization required) (referral required) |
| Oral exam: | $0 copay (limits may apply) (authorization required) (referral required) |
Diagnostic procedures/lab services/imaging
| Diagnostic radiology services (e.g., MRI): | $150 copay (authorization required) (referral required) |
| Diagnostic tests and procedures: | $0 copay |
| Lab services: | $0 copay |
| Outpatient x-rays: | $15 copay (authorization required) (referral required) |
Doctor visits
| Primary: | $5 copay per visit |
| Specialist: | $25 copay per visit (authorization required) (referral required) |
Emergency care/Urgent care
| Emergency: | $90 copay per visit (always covered) |
| Urgent care: | $0 copay |
Foot care (podiatry services)
| Foot exams and treatment: | $0 copay (authorization required) (referral required) |
| Routine foot care: | Not covered |
Ground ambulance
| $250 copay |
Health plan deductible
| $0.00 |
Health plan deductibles (other)
| In-Network: No |
Hearing
| Fitting/evaluation: | $0 copay (limits may apply) (authorization required) (referral required) |
| Hearing aids – inner ear: | Not covered |
| Hearing aids – outer ear: | Not covered |
| Hearing aids – over the ear: | Not covered |
| Hearing exam: | $0 copay (authorization required) (referral required) |
Hospital coverage (inpatient)
| $150 per day for days 1 through 5 $0 per day for days 6 through 90 $0 per day for days 91 and beyond (authorization required) (referral required) |
Hospital coverage (outpatient)
| $195 copay per visit (authorization required) (referral required) |
Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)
| $4,900 In-network |
Medical equipment/supplies
| Diabetes supplies: | $0 copay (authorization required) |
| Durable medical equipment (e.g., wheelchairs, oxygen): | 0-20% 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: | $120 per day for days 1 through 10 $0 per day for days 11 through 90 $0 per day for days 91 through 130 (authorization required) (referral required) |
| Outpatient group therapy visit with a psychiatrist: | $40 copay (authorization required) (referral required) |
| Outpatient group therapy visit: | $0 copay (authorization required) (referral required) |
| Outpatient individual therapy visit with a psychiatrist: | $40 copay (authorization required) (referral required) |
| Outpatient individual therapy visit: | $0 copay (authorization required) (referral required) |
Optional supplemental benefits
| Yes |
Preventive care
| $0 copay (authorization required) |
Rehabilitation services
| Occupational therapy visit: | $0 copay (authorization required) (referral required) |
| Physical therapy and speech and language therapy visit: | $0 copay (authorization required) (referral required) |
Skilled Nursing Facility
| $0 per day for days 1 through 20 $160 per day for days 21 through 51 $0 per day for days 52 through 100 (authorization required) (referral required) |
Transportation
| Not covered |
Vision
| Contact lenses: | $0 copay (limits may apply) (authorization required) |
| Eyeglass frames: | $0 copay (limits may apply) (authorization required) |
| Eyeglass lenses: | $0 copay (limits may apply) (authorization required) |
| Eyeglasses (frames and lenses): | $0 copay (limits may apply) (authorization required) |
| Other: | Not covered |
| Routine eye exam: | $0 copay (limits may apply) |
| Upgrades: | Not covered |
Wellness programs (e.g., fitness, nursing hotline)
| Covered (authorization required) (referral required) |
Optional Benefits
Package #1
| Comprehensive dental: | Monthly Premium: | $29.00 |
| Comprehensive dental: | Deductible: | N/A |
Ready to sign up for Sutter Advantage (HMO) ?