Security Health Plan of Wisconsin, Inc. Spirit (HMO-POS)
Medicare Advantage Plan H5211-001 • 2026 • La Crosse County, WI
Security Health Plan of Wisconsin, Inc. Spirit (HMO-POS) Medicare Advantage Plan H5211-001 • 2026 • La Crosse County, WI
Security Health Plan of Wisconsin, Inc. Spirit is a Medicare Advantage HMO-POS plan offered by Security Health Plan of Wisconsin, Inc. for the 2026 plan year. It is identified by CMS Plan ID H5211-001 and uses a Health Maintenance Organization with a Point of Service (HMO-POS) provider network. The plan comes without prescription drug coverage.
Security Health Plan of Wisconsin, Inc. Spirit Overview
Plan Overview for H5211-001-0 |
|
|---|---|
| CMS Plan ID: | H5211-001-0 |
| Plan Type: | HMO-POS |
| Plan Year: | 2026 |
| Monthly Premium: | $0.00 Plus your Medicare Part B premium. |
| Medical Deductible: | $0.00 |
| Maximum Out-of-Pocket: | $1500.00 (In-Network) |
| Part B Give Back: | Not offered |
| Prescription Drug Coverage: | Not Included |
| Additional Benefits: | Dental, Vision, Hearing |
| Service Area: | La Crosse County, WI |
| Enrollment (Nationwide) | 1,806 beneficiaries |
| Enrollment (CMS – Local) | 12 beneficiaries in La Crosse County |
| Provided By: | Security Health Plan of Wisconsin, Inc. |
Plan Overview for Security Health Plan of Wisconsin, Inc. Spirit
This Medicare Advantage HMO-POS plan provides Medicare Part A and Part B coverage through a network of participating providers, with limited coverage available for out-of-network services in certain situations. The monthly premium is $0.00, and costs are generally lower when services are received from in-network providers.
Primary care visits have a $0 copay | Out-of-network: $0 copay, 0% coinsurance, specialist visits come with a $25 copay | Out-of-network: $25 copay, urgent care services carry a $0-$25 copay, and ambulance transportation is $175 copay. These costs apply toward the annual maximum out-of-pocket (MOOP) limit of $1500.00. After this limit is reached, in-network services are fully covered for the remainder of the year.
This plan is registered with CMS under Plan ID {title_plan_id}. Cost-sharing details for key services are provided below.
Cost-Sharing Overview
Security Health Plan of Wisconsin, Inc. Spirit 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 H5211-001.
This section outlines in-network costs for primary care and specialist office visits, along with related preventive services.
| Covered Service | In-Network Cost |
|---|---|
| Primary: | In-network: $0 copay | Out-of-network: $0 copay, 0% coinsurance |
| Specialist: | In-network: $25 copay | Out-of-network: $25 copay |
This section outlines in-network costs for preventive and wellness services included in the plan.
| Covered Service | In-Network Cost |
|---|---|
| Annual wellness exam: | In-network: $0 copay |
| Telehealth benefit: | In-network: $0-$175 copay |
| Routine chiropractic: | In-network: $20 copay | Out-of-network: $20 copay |
| Fitness benefits: | In-network: $0 copay |
| Health education: | In-network: $0 copay |
| Counseling services: | Not covered |
| Over-the-counter drug benefits: | In-network: $0 copay |
| Health transportation (non-emergency): | Not covered |
This section outlines in-network costs for diagnostic services, lab tests, x-rays, and other imaging services.
| Covered Service | In-Network Cost |
|---|---|
| Diagnostic radiology services: | In-network: $150 copay | Out-of-network: $150 copay |
| Lab services: | In-network: $0 copay | Out-of-network: $0 copay, 0% coinsurance |
| Outpatient x-rays: | In-network: $0 copay | Out-of-network: $0 copay, 0% coinsurance |
| Diagnostic tests and procedures: | In-network: $0 copay | Out-of-network: $0 copay, 0% coinsurance |
This section outlines in-network costs for emergency services, urgent care, ambulance transportation, inpatient hospital stays, and skilled nursing facility care.
| Covered Service | In-Network Cost |
|---|---|
| Emergency room care: | $140 copay |
| Worldwide emergency care: | $140 copay |
| Urgent care: | $0-$25 copay |
| Inpatient hospital care: | In-network: | Tier 1 | $250 per stay | Out-of-network: | $250 per stay |
| Skilled Nursing Facility: | In-network: | Tier 1 | $0 per day for days 1-6 | $20 per day for days 7-20 | $0 per day for days 21-100 | Out-of-network: | $0 per day for days 1-6 | $20 per day for days 7-20 | $0 per day for days 21-100 | $0 per stay |
| Ground ambulance: | In-network: $175 copay |
This section outlines in-network costs for mental health services, including outpatient therapy and inpatient psychiatric care.
| Covered Service | In-Network Cost |
|---|---|
| Outpatient individual therapy: | In-network: $25 copay | Out-of-network: $25 copay |
| Outpatient group therapy: | In-network: $25 copay | Out-of-network: $25 copay |
| Inpatient psychiatric hospital care: | In-network: | Tier 1 | $250 per stay | Out-of-network: | $250 per stay |
This section outlines in-network costs for rehabilitation services, including physical therapy, speech and language therapy, and occupational therapy.
| Covered Service | In-Network Cost |
|---|---|
| Physical therapy and speech and language therapy: | In-network: $20 copay | Out-of-network: $20 copay |
| Occupational therapy: | In-network: $20 copay | Out-of-network: $20 copay |
This section outlines in-network costs for medical equipment and supplies, including diabetes supplies, durable medical equipment, and prosthetics.
| Covered Service | In-Network Cost |
|---|---|
| Diabetes supplies: | In-network: $0 copay |
| Durable medical equipment: | In-network: 0%-20% coinsurance |
| Prosthetics: | In-network: 20% coinsurance |
This section outlines in-network cost sharing for chemotherapy and other Medicare Part B-covered drugs.
| Covered Service | In-Network Cost |
|---|---|
| Chemotherapy: | In-network: 0%-20% coinsurance | Out-of-network: 0%-20% coinsurance |
| Other Part B drugs (Medicare-covered): | In-network: 0%-20% coinsurance | Out-of-network: 0%-20% coinsurance |
This section outlines in-network cost sharing for dental services, including preventive care, exams, x-rays, cleanings, and comprehensive dental procedures.
| Covered Service | In-Network Cost |
|---|---|
| Oral exam: | In-network: $0 copay |
| Dental x-rays: | In-network: $0 copay |
| Cleaning: | In-network: $0 copay |
| Periodontics: | Not covered |
| Endodontics: | Not covered |
| Restorative services: | Not covered |
| Implant services: | Not covered |
| Orthodontics: | Not covered |
| Oral/Maxillofacial surgery: | Not covered |
This section outlines in-network cost sharing for vision services, including eye exams, eyeglasses, and contact lenses.
| Covered Service | In-Network Cost |
|---|---|
| Routine eye exam: | In-network: $0 copay | Out-of-network: $0-$25 copay |
| Contact lenses: | Not covered |
| Eyeglass frames only: | Not covered |
| Eyeglass lenses only: | Not covered |
| Eyeglasses (frames & lenses): | In-network: $0 copay |
| Upgrades: | Not covered |
This section outlines in-network cost sharing for hearing-related services, including exams, fittings, and hearing aids.
| Covered Service | In-Network Cost |
|---|---|
| Hearing exam: | In-network: $25 copay | Out-of-network: $25 copay |
| Fitting/evaluation: | In-network: $25 copay | Out-of-network: $25 copay |
| Prescription hearing aids: | In-network: $500 copay |
| OTC hearing aids: | Not covered |
This section outlines in-network cost sharing for additional and special needs services that may be included in the plan.
| Covered Service | In-Network Cost |
|---|---|
| Adult day health services: | Not covered |
| Home-based palliative care: | Not covered |
| Personal emergency response system: | Not covered |
| Weight management programs: | Not covered |
| Wigs for chemotherapy-related hair loss: | Not covered |
| Alternative therapies: | Not covered |
| Massage therapy: | Not covered |
| Home/bathroom safety devices: | In-network: 20% coinsurance |
Certain preventive services are covered 100% by Security Health Plan of Wisconsin, Inc. Spirit as a Part B benefit.
Prescription Drug Coverage
This plan does not include a Medicare Part D plan for prescriptions.
CMS 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.
| CMS Measure | Star Rating |
|---|---|
| 2026 Overall Rating | |
| Staying Healthy: Screenings, Tests, Vaccines | |
| Managing Chronic (Long Term) Conditions | |
| Member Experience with Health Plan | |
| Complaints and Changes in Plans Performance | |
| Health Plan Customer Service | |
| Drug Plan Customer Service | |
| Complaints and Changes in the Drug Plan | |
| Member Experience with the Drug Plan | |
| Drug Safety and Accuracy of Drug Pricing |
What is the monthly premium for Security Health Plan of Wisconsin, Inc. Spirit (HMO-POS)?
The 2026 monthly premium is $0.00. The Medicare Part B premium is paid separately.
What is the annual out-of-pocket maximum (MOOP) for this plan?
The annual in-network MOOP is $1500.00 for 2026. After this limit is reached, covered in-network services are fully paid.
What is the total enrollment for plan H5211-001?
CMS reports 1,806 beneficiaries enrolled in this plan.
What is the prescription drug deductible for 2026?
The plan’s Part D deductible is $0.00, applied to covered prescription drug costs.
Contact Information for Security Health Plan of Wisconsin, Inc.
| Contact Type | Details |
|---|---|
| Website: | Security Health Plan of Wisconsin, Inc. Plan Page |
| New Members: | 1-877-998-0998 |
| Existing Members: | 1-877-998-0998 |
| Plan Address: | 1515 North Saint Joseph Avenue | PO Box 8000 | Marshfield, WI 54449 |
Enrollment status and eligibility information are available through the Social Security Administration. Additional information about Medicare Advantage is available at medicare.gov.
- CMS.gov, Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance — Last accessed May 2, 2026
- CMS.gov, Plan Benefits Package — Last accessed May 2, 2026
- CMS.gov, Monthly Enrollment by Contract/Plan/State/County — Last accessed May 2, 2026
Data sources and methodology documentation..
- Security Health Plan of Wisconsin, Inc. (official source), http://www.securityhealth.org/medicareadvantage — Last accessed October 13, 2025
- Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
- AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 25 May, 2025
- Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
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