2022 PriorityMedicare KeySM (HMO-POS)

PriorityMedicare Key is the plan so many in Michigan know and love with all the zeroes: $0 in-network medical deductible, $0 prescription deductible and $0 virtual care visits. This plan also includes our richest dental coverage, savings on insulin and a $45-$70 OTC allowance depending on your region.

Our Medicare Advantage plans include the benefits you need, plus the extras you want. Like preventive dental services, routine vision and hearing coverage, a free gym membership and more. And if you’re headed south or get care in another state, The Priority Health Travel Pass covers you at in-network prices anywhere in the U.S. outside of Michigan.

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In-network benefits

Deductible

$0

The amount you'll pay for most covered in-network medical services before you start paying only copayments or coinsurance and Priority Health pays the balance.

Out-of-pocket maximum

$5,000
Regions 1, 2 and 5
$5,500
Regions 3 and 4

This is the most you pay for in-network services during a calendar year before Priority Health begins to pay 100% of the allowed amount. This limit includes copayments and coinsurance payments. It does not include your monthly premium, Part D drug costs or services from out-of-network providers.

Inpatient hospital care

$325 copay per day
Days 1-6
$0 copay per day
Days 7 and beyond

There is no limit to the number of days covered by the plan each hospital stay. Plus, receive 28 home-delivered meals, provided through Mom's Meals, up to four times per year following an inpatient hospital, psychiatric hospital or Skilled Nursing Facility (SNF) discharge.

Authorization rules may apply.

Doctor office visits

$0 copay
Each primary care visit
Regions 1, 2 and 5
$10 copay
Each primary care visit
Regions 3 and 4
$45 copay

Each specialist visit

Includes $0 copay each palliative care physician visit.

Authorization rules may apply.

Emergency & urgent care

$90 copay
Each emergency room visit
$50 copay
Each urgent care visit

Get emergency or urgent care services wherever you are in the United States or all over the world.

Lab services

$10 copay

Medicare-covered lab services
$0 copay
Anticoagulant lab services
(if on blood thinners)

Diagnostic tests and procedures

$10 copay
Medicare-covered diagnostic procedures and tests
Authorization rules may apply.
 

Outpatient X-rays

$35 copay
Medicare-covered outpatient X-rays

Diagnostic radiology services

$150 copay
Medicare-covered diagnostic radiology services

Diagnostic radiology includes services such as MRIs and CT scans. 

Authorization rules may apply.

Radiation therapy

$25 copay
Medicare-covered radiation therapy services, such as cancer treatment

Preventive services

$0 copay
Annual wellness visit and preventive services covered under Original Medicare

See a list of preventive services covered at $0 copay. Any additional preventive services approved by Medicare during the contract year will be covered.

Dental services (by Delta Dental®)

$0 copay
Two exams, two cleanings, one set of bitewing X-rays & one brush biopsy each year
$0 copay
All other X-rays, including panoramic, once every two years
50% coverage

Fillings, crown repairs and simple extractions; no limit

Routine vision (by EyeMed®)

$0 copay
One routine exam (includes dilation & refraction), one retinal imaging each year
$100 eyewear allowance

Each year

Out-of-network visits are reimbursable up to a set dollar amount.

Routine hearing (by TruHearing®)

$0 copay

Routine exam
$295-$1,495 copay
Per year, per ear for hearing aids from top manufacturers

Each hearing aid purchase includes a 60-day trial period, a year of follow-up visits and 80 batteries per hearing aid.

Chiropractic services

$20 copay
Routine visit, up to 12 visits per year
$35 copay
Chiropractic X-ray services, performed once per year
$20 copay

Medicare-covered visit

Acupuncture services

$20 copay
Medicare-covered visit for chronic low back pain
$20 copay
Routine visit, up to six visits per year for other conditions

Over-the-counter (OTC) benefit allowance

$70
Per quarter allowance
Regions 1, 2 and 5
$45
Per quarter allowance
Regions 3 and 4

For use on drugs and health related products that do not need a prescription such as; allergy medication and eye drops. Learn more.

Priority Health Travel Pass


Priority Health Travel Pass has you covered for out-of-state care at in-network prices, access to MultiPlan® Medicare Advantage providers, unlimited worldwide emergency and urgent care and Assist America® for global travel assistance. Learn more.

You may stay enrolled in the plan when outside of the service area for up to 12 months, as long as your residency remains in the service area.

Virtual care

$0 copay
Each primary care, specialist or behavioral health provider virtual visit

Also referred to as "evisits" or "telehealth," virtual care is a cost-effective and convenient way to visit with a health care professional via phone or video for non-emergencies.

SilverSneakers health and fitness program

$0 copay

For membership at participating SilverSneakers® fitness centers, plus access to online educational programs and SilverSneakers On-Demand™ workout videos. Learn more.

BrainHQ

$0 copay

A personal gym for the brain. You can access online exercises that improve memory, attention, brain speed and more. Learn more.


Prescription drug benefits

Have questions on drug tiers? Learn more.

You have lower copays when you use a preferred pharmacy. See if your pharmacy is on the "preferred" list.

Plan D prescription drugs, deductible

$0

This deductible applies to the cost of all drugs on the plan's list of approved drugs, or "formulary." Download the formulary to see approved drugs or view the Approved Drugs List on this website.

Tier 1 (preferred generic drugs)

$4 copay

Preferred retail (30-day)
$10 copay

Standard retail (30-day)
$0 copay
Preferred mail order through
Express Scripts (90-day)

You pay copays or coinsurance for drugs on this plan's formulary until your total yearly drug costs reach $4,430.

Tier 2 (generic drugs)

$15 copay

Preferred retail (30-day)
$20 copay

Standard retail (30-day)
$0 copay
Preferred mail order through
Express Scripts (90-day)

You pay copays or coinsurance for drugs on this plan's formulary until your total yearly drug costs reach $4,430.

Tier 3 (preferred brand drugs)

$42 copay

Preferred retail (30-day)
$47 copay

Standard retail (30-day)
$105 copay
Preferred mail order through
Express Scripts (90-day)

You pay copays or coinsurance for drugs on this plan's formulary until your total yearly drug costs reach $4,430.

Tier 4 (non-preferred drugs)

45% coinsurance

Preferred retail (30-day)
50% coinsurance

Standard retail (30-day)
45% coinsurance
Preferred mail order through
Express Scripts (90-day)

You pay copays or coinsurance for drugs on this plan's formulary until your total yearly drug costs reach $4,430.

Tier 5 (specialty drugs)

33% coinsurance
(30-day supplies only)

You pay copays or coinsurance for drugs on this plan's formulary until your total yearly drug costs reach $4,430.

Part D senior savings program for insulin

$35 copay or less
30-day supply of Lantus, Toujeo, Humalog, Humulin 100 ML or Lyumjev (preferred or standard retail pharmacy)
$0 copay
90-day supply of Humalog, Humulin 100 ML or Lyumjev (through Express Scripts mail order only)

Save on select insulins before you reach the coverage gap (“donut hole”) to help you manage your diabetes. You’ll pay no more than $35 for a month’s supply at the pharmacy.

Once you reach the coverage gap, your copays for the select insulins will range from $10-$35 depending on the insulin and pharmacy for a 30-day supply. 

Part D prescription drugs, while in the coverage gap

25% coinsurance
Covered generic drugs
25% coinsurance
Covered brand drugs

When you reach your total yearly drug cost (includes what our plan has paid and what you've paid) of $4,430, you'll enter what is called a coverage gap. At this time, you'll pay 25% of the plan's cost for covered generic drugs and 25% of the plan's cost for covered brand drugs, plus dispensing fee, until your total costs reach $7,050.

Most Medicare plans have this coverage gap (also called the "donut hole"), but not everyone will enter the coverage gap.

Part D prescription drugs, catastrophic coverage


After your yearly out-of-pocket drug costs (including drugs purchased through your retail pharmacy and through mail order) reach $7,050, you pay the greater of either 5% of the cost OR a copay of $3.95 for generic and $9.85 for all other drugs.


Optional benefits

Enhanced Dental and Vision package


Optional benefit: Add additional dental and vision coverage to your plan for an extra $23 monthly premium, including additional dental coverage for things like crowns, root canals, extractions, fillings, implants and more with $2,500 to spend each calendar year and another $150 per year toward year eyewear allowance.

Get details and learn how to add this coverage to your plan.

PriorityMedicare KeySM

Enroll now

Region 1 Allegan, Barry, Kent, Lenawee, Ottawa
Region 2 Berrien, Calhoun, Cass, Ionia, Isabella, Kalamazoo, Mason, Midland, Missaukee, Montcalm, Muskegon, Newaygo, Oceana, Osceola, Otsego, St. Clair, Van Buren, Wexford
Region 3 Alcona, Antrim, Benzie, Charlevoix, Clare, Crawford, Grand Traverse, Hillsdale, Lake, Lapeer, Leelanau, Manistee, Mecosta, Monroe
Region 4 Alpena, Cheboygan, Eaton, Emmet, Gladwin, Gratiot, Iosco, Jackson, Kalkaska, Montmorency, Oscoda, Presque Isle, Roscommon, Sanilac, Shiawassee, St. Joseph
Region 5 Arenac, Bay, Branch, Clinton, Genesee, Huron, Ingham, Livingston, Macomb, Oakland, Ogemaw, Saginaw, Tuscola, Washtenaw, Wayne