Covenant Advantage (HMO-POS)

$0 Premiums and NO Deductibles

With Covenant Advantage, there are no additional premiums to pay for prescription drug coverage or extras like dental and vision coverage. There are also no annoying deductibles to meet. Your coverage begins right away.

Complete Coverage With One Plan from One Company

Unlike Original Medicare, Covenant Advantage bundles your medical, hospital and prescription drug coverage together in one comprehensive plan. Additionally, our plans come with a number of valuable extra benefits that will save you time and money.

Important Travel Coverage

Whether you are making a trip out of the state or out of the country, we have you covered. If you ever get sick or injured when away from home, you can rest easy knowing you have emergency or urgent care coverage.

Important Financial Protection

Covenant Advantage protects your savings and retirement by putting an annual limit on what you have to pay out of your own pocket for your covered medical expenses – important protection not offered by Original Medicare.

Valuable Extra Benefits

Every Covenant Advantage plan comes with important extra benefits for no additional premium including dental, vision, transportation to and from doctor appointments, free memberships to health clubs through the popular SilverSneakers® program, and coverage on over-the-counter products such as non-prescription drugs and health-related items.

$0 Copay on Generic Prescriptions

Save even more money on your prescription drugs when you fill your prescription at preferred pharmacies. Covenant Advantage members can get generic prescriptions for $0 copays and reduced copays on brand-name medications at any participating preferred pharmacy.

Benefits at a Glance:
We’ve Got You Covered From Head to Toe

The following table highlights just some of the many in-network benefits available to you as a valued Covenant Advantage member. For more details and a complete list of benefits, please review our Summary of Benefits or Evidence of Coverage which can be downloaded by clicking the links below.

Hospital & Medical Coverage

Your Covenant Advantage plan provides comprehensive medical and hospital coverage with no annual deductible and low copayments for in-network providers.

 Covenant Advantage(HMO-POS)
Monthly Premium$0
Maximum Out-of-Pocket Limit (What’s this?)This means you will never pay more than $3,800 per year for covered medical expenses, even if you have an unexpected illness or injury. If you reach this limit, you will no longer have to pay any copays or co-insurance.$3,800 Per Year
Annual Medical Deductible$0 Per Year
Preventive Care/Screenings$0 Copay
Primary Care Doctor Visits$5 Copay
Specialty Care Doctor Visits$30 Copay
Urgent Care$60 Copay
Emergency Care$90 Copay
Lab Services$10 Copay
Home Health Care100% Coverage
Chiropractic Services$20 Copay
Inpatient Hospital Care$200 Copay Per Day for Days 1-7,
$0 Per Day for Day 8 and beyond
Outpatient Surgery at Hospital$150 Copay
Outpatient Surgery at Ambulatory Surgical Center$100 Copay

Part D Drug Coverage

This table shows the drug tiers associated with your plan, and the copayments or co-insurance that you will pay in each tier. A drug formulary provides a list of drugs that are covered by our plan.

 Covenant Advantage (HMO-POS) 
Other Network
Annual Part D Deductible$0 Per Year$0 Per Year
Tier 1 – Preferred Generics$0 Copay$5 Copay
Tier 2 – Generics$0 Copay$10 Copay
Tier 3 – Preferred Brands$40 Copay$45 Copay
Tier 4 – Non-Preferred Brands$90 Copay$95 Copay
Tier 5 – Specialty Drugs33% Co-insurance33% Co-insurance
Initial Coverage Limit$4,130 Per Year$4,130 Per Year

Part D drug expenses are not covered under the maximum out-of-pocket limit.

Extra Benefits

Your Covenant Advantage plan offers many valuable extras not offered by Original Medicare or Medicare supplement plans–at no additional cost to you.

 Covenant Advantage(HMO-POS)
Vision Care$25 Copay for routine eye exam
$0 Copay for one pair of eyeglass frames or contact lenses (2 six packs)
Preventive Dental Care$0 Copay (two visits per calendar year)
Comprehensive Dental CareNot Covered
Hearing$25 Copay for hearing exam
$1,000 allowance for up to 2 hearing aids every 2 years (both ears combined)
Over-the-Counter (OTC) Items$50 per quarter,
up to 2 orders per quarter; no rollover
Transportation Assistance$0 Copay for 20 one-way trips to approved locations per year
SilverSneakers Fitness Benefits (What’s this?)Covenant Advantage wants to help you achieve and maintain long-lasting health and wellness. SilverSneaker is a fun, energizing program that helps people with Medicare take greater control of their health by encouraging physical activity and offering social events…and it includes a fitness center membership to any participating location across the country at no extra cost to you!Included at no additional cost
Travel CoverageEmergency or urgent care coverage if you are making a trip out of state or country
Meal Benefits28 meals (2 meals/day for 14 days) delivered to your home after discharge from inpatient acute care or a skilled nursing facility (limit 2 discharges annually)

Extra benefit expenses are not covered under the maximum out-of-pocket limit.

Important Plan Documents

COVID-19 vaccinations for those 65 years of age and older are available through Michigan local health departments.
Visit the Michigan Coronavirus Vaccine information web page for a list of health departments offering the vaccine and to schedule your vaccine appointment.

Learn more about how PHP Medicare is helping members through the COVID-19 outbreak.