Senior Care (HMO I-SNP) (2027)

Institutional Special Needs Plan (Medicare Advantage) from Lifeworks Advantage, plan ID H2185-001-000. Sold in 71 counties in Virginia.

★★★★★Not yet rated

Who can join

Only for people who live in a nursing home or similar facility, or need that level of care at home.

2027 costs

Monthly premium$6.30

Drug deductible$700

Medical deductible$0

Out-of-pocket maximum (in network)$9,850

Plan typeInstitutional Special Needs Plan (Medicare Advantage), HMO

Referral needed to see a specialistYes

Plan IDH2185-001-000

With a Medicare Advantage plan you also keep paying your Medicare Part B premium.

What this plan would cost for your prescriptions

Add your prescriptions to see this plan's estimated yearly cost for them, which of them are on its drug list, and how each compares with Cost Plus Drugs prices.

See this plan with my prescriptions

What you pay for medical care

Primary care visit$0

Specialist visit20%

Preventive care$0

Urgent care20%

Emergency room$90

Hospital stay$0

Outpatient surgery20%

Lab tests20%

X-rays and scans20%

Mental health visit20%

Physical therapy20%

Medical equipment20%

TelehealthCovered

In-network amounts. A range means it depends on the service or provider.

Extra benefits

DentalCovered — up to $3000 allowance

VisionCovered — up to $300/yr allowance

HearingCovered — up to $2750 every 2 yrs allowance

Over-the-counter itemsCovered

FitnessNot covered

Rides to appointmentsCovered — 36 one-way trips

Drug costs by tier

Tier	30 days, standard pharmacy	30 days, preferred pharmacy	90 days by mail
1 Preferred Generic	25%	25%	N/A

A percentage is coinsurance: your share of the drug's price. The drug deductible may apply first, depending on the tier. Your Part D out-of-pocket costs are capped at $2,400 for 2027.

Where it's sold

Virginia (71 counties)

Plan costs and benefits are from CMS's 2027 Medicare plan data (data as of October 27, 2026). Star ratings are CMS's 2027 Star Ratings. Every year, Medicare evaluates plans based on a 5-star rating system. Benefits, premiums and copays can change from year to year; check the plan's Evidence of Coverage, call the plan, or use Medicare.gov before you enroll.