Health First Classic H1099-001 (HMO-POS) Medicare Advantage Plan H1099-001 • 2026 • Indian River County, FL

Health First Classic H1099-001 Overview

Coverage Overview for Health First Classic H1099-001

This Medicare Advantage MAPD HMO-POS plan includes hospital, medical, and prescription drug coverage under Medicare Parts A and B. The monthly premium is $90.00, and the plan provides coverage through a network of participating providers, with limited access to out-of-network services in certain situations. The annual Part D deductible is $0.00.

Primary care visits have a $0 copay | Out-of-network: 20% coinsurance, specialist visits come with a $15 copay | Out-of-network: 20% coinsurance, urgent care services carry a $20 copay, and ambulance transportation is $230 copay | Out-of-network: 20% coinsurance. These costs apply toward the annual maximum out-of-pocket (MOOP) limit of $3250.00. After this limit is reached, in-network services are fully covered.

This plan is registered with CMS under Plan ID H1099-001. A summary of cost sharing is provided below.

Cost Sharing Expenses

Health First Classic H1099-001 includes cost-sharing, which refers to out-of-pocket expenses for covered healthcare services. The table below outlines the most common in-network out-of-pocket costs associated with plan H1099-001.

Certain preventive services are covered 100% by Health First Classic H1099-001 as a Part B benefit.

Prescription Drug Coverage

Health First Classic H1099-001 includes a Medicare Part D prescription drug plan (PDP). Plan type and coverage level are defined by CMS and may vary between basic and enhanced benefit designs.

This plan includes an enhanced benefit Medicare Part D plan (PDP), providing coverage beyond the standard CMS-defined minimum.

Prescription Drug Plan Premium

The Part D prescription drug plan premium is included in the overall Medicare Special Needs Plan cost. Additional adjustments may apply through the Low-Income Subsidy (LIS) program, also known as Extra Help, administered by Social Security. LIS benefits are separate from Medicare Special Needs Plan coverage.

For more details, visit the Social Security Extra Help program .

Prescription Drug Plan Deductible

This plan has a $0.00 annual Part D deductible. You'll pay this deductible at the pharmacy before Health First Health Plans, Inc. starts contributing towards your prescription costs.

Prescription Drug Plan Out-of-Pocket Costs

Beyond premiums and deductibles, Health First Classic H1099-001 may have additional costs at pharmacies. The table below outlines out-of-pocket expenses by drug tier.

Medicare Plan Star Ratings

CMS evaluates Medicare Advantage (Part C) and Part D plans annually using a 5-star rating system. Ratings reflect performance in preventive care, chronic condition management, and member experience.