Clear Spring Health Value Rx, 2023 Michigan Part D Plan
Clear Spring Health Value Rx is a Basic Part D plan (Plan ID: S6946-010) from Clear Spring Health that's available to people with Original Medicare, or a Medicare Advantage plan without Part D benefits, in Michigan.
This 2023 plan has a $505.00 annual deductible and an initial coverage limit of $4,660. This plan is rated 1.5 (Poor) stars by CMS.
GET NOTIFIED: 2024 Medicare Part D Plan Notification
Key Takeaways
- This is a basic benefit Medicare Prescription Drug Plan (PDP) from Clear Spring Health.
- A basic benefit plan, like Clear Spring Health Value Rx, covers the minimum amount required by the Centers for Medicare & Medicaid Services.
- The plan's premium is $26.00 per month.
- The plan's deductible is $505.00 per year.
- Clear Spring Health Value Rx does not offer additional coverage in the coverage gap (aka, "donut hole").
- This plan qualifies for the Extra Help full low-income subsidy.
- Basic plans typically offer less cost-sharing than plans with an enhanced benefit.
- Due to lower premiums, a basic benefit plan is generally the best option for most healthy people, even if the plan has a deductible.
- 2024 Medicare Prescription Drug Plan information for Clear Spring Health Value Rx will be published in early October. Sign-up to be notified.
| Plan Basics | |
|---|---|
| Plan ID: | S6946-010 |
| Plan Type: | PDP |
| Plan Year: | 2023 |
| Premium: | $26.00/mo |
| Deductible: | $505.00/yr |
| Benefit Type: | Basic |
| Rx Gap Coverage: | No |
| Low Income Subsidy: | Yes |
| Availability: | Michigan |
| Insured By: | Clear Spring Health |
WARNING: Before enrolling in this or any other Medicare Part D plan, it is very important to understand what your costs will be for your regular prescriptions.
Please note that 2024 Medicare Part D information from Clear Spring Health will not be available until early October.
Sign-Up for 2024 Medicare Part D Plan Notification.
Prescription Drug Plan Premium
Although Clear Spring Health Value Rx's monthly premium is bundled with the total plan cost, some plans have supplemental costs and/or offer low-income subsidy (LIS) assistance. The following table outlines the premium details of this Clear Spring Health plan.
| Basic Part D Premium: | $26.00 |
| Supplemental Part D Premium: | $0.00 |
| Total Part D Premium: | $26.00 |
| Part D Premium with Full LIS Assistance: | $0.00 |
| Part D Premium with 75% LIS Assistance: | $6.50 |
| Part D Premium with 50% LIS Assistance: | $13.00 |
| Part D Premium with 25% LIS Assistance: | $19.50 |
For more information about the Low-Income Subsidy (aka, "Extra Help") program, refer to the Social Security Extra Help page.
Prescription Drug Plan Deductible
The Medicare Part D annual deductible with this plan is $505.00. This is the amount you must pay at the pharmacy before Clear Spring Health begins paying its share.
Prescription Drug Plan Out-of-Pocket Costs
In addition to the plan's monthly premium and deductible, Clear Spring Health Value Rx has copayments (a fixed dollar amount) and/or coinsurances (a percentage amount) that you must pay when you pick up your prescriptions. The following table shows you those costs.
| Tier | Preferred | Standard |
|---|---|---|
| 1 (Preferred Generic) | $1.00 copay | $6.00 copay |
| 2 (Generic) | $3.00 copay | $8.00 copay |
| 3 (Preferred Brand) | $42.00 copay | $47.00 copay |
| 4 (Non-Preferred Drug) | 32% | 32% |
| 5 (Specialty Tier) | 25% | 25% |
CMS Rating Marks and Our Review
This Medicare Part D plan gets 1.5 out of 5 stars overall. Here's our quick summary of how well Clear Spring Health Value Rx performs.
Way below Michigan standards, we can't recommend this plan. Here's why. Clear Spring Health Value Rx does a poor job at customer service. This plan gets an excessive number of complaints from its members. Members report that their experience with this plan is below average. Drug safety and the accuracy of drug pricing with this plan are about average.
You can't judge a Part D plan on its monthly premium or annual deductible. You have to look at the overall cost of your prescriptions. There are basic benefit plans with a lower monthly premium than this one. That's okay if the plan covers your prescriptions at the best price. Pay attention to the deductible. This plan is not like other plans. It does not exclude any tiers from the deductible. Other plans do.
Each year Medicare rates drug plans (Part D) in several major categories. These ratings are designed to help you understand the quality of care and service you can expect if you join this plan:
| CMS Measure | Star Rating |
|---|---|
| Overall Plan Rating | |
| Drug Plan Customer Service | |
| Complaints and Changes in the Drug Plan | |
| Member Experience with the Drug Plan | |
| Drug Safety and Accuracy of Drug Pricing |
Additional Basic Medicare Part D Plan Options in Michigan
Here are some additional plans in your area that might be worth reviewing:
Contact Clear Spring Health
Call 1-855-728-0510 (TTY 711) to speak with a licensed insurance agent (Mon-Sun 8am-11pm EST) and learn more about this Medicare Part D plan and other plans on this site. You may also Enroll Online using our safe and secure online enrollment website or take advantage of the following plan resources:
| Plan Website: | Clear Spring Health Plan Information |
|---|---|
| Formulay Information: | Clear Spring Health Formulary Information |
| Pharmacy Information: | Clear Spring Health Pharmacy Information |
| Prospective Members: | (877) 317-6082 |
| TTY Users: | -711 |
If you qualify for Medicare but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website. You can learn more about the Medicare Advantage program on www.medicare.gov.
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Centene Corporation, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna-HealthSpring, Humana, Molina Healthcare, Mutual of Omaha, Oscar Health Insurance, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, and UnitedHealthcare.
Citations & References
- Clear Spring Health, "http://www.clearspringhealthcare.com", Last Accessed October 15, 2023
- Medicare.gov, "How to get prescription drug coverage", Last Accessed August 28, 2023
- Medicare.gov, "What Medicare Part D drug plans cover", Last Accessed July 1, 2023
- Medicare.gov, "Medicare costs at a glance", Last Accessed June 11, 2023
- SSA.gov, "Apply for Medicare Part D Extra Help program", Last Accessed July 9, 2023
- CMS.gov, "Landscape Source Files", Last Accessed January 15, 2023
- CMS.gov, "Medicare Part C & D Performance", Last Accessed January 15, 2023