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Highmark Wholecare Medicare Assured Ruby (D-SNP) Plan Details for Wyoming County, PA

This page provides coverage and cost details for Highmark Wholecare Medicare Assured’s H5932-009-0 Medicare SNP plan for 2025. Enrollment is subject to eligibility.

CMS 2025 Rating: ☆☆☆☆☆*

*CMS rated this Highmark Wholecare Medicare Assured plan (H5932-009-0) 4.5 (Good+) out of 5 stars.

Best Insurance Company Ranking
* Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. The Highmark Wholecare Medicare Assured logo is a registered trademark.[2] Its use by MedicareWire is strictly for editorial purposes. This is not a solicitation of insurance.

This private health insurance option offers all of the same basic benefits as Original Medicare, but out-of-pocket costs are different. It may include additional benefits that Medicare Part A and Part B do not cover.

Individuals must meet all Dual-Eligible SNP qualification requirements to join this D-SNP plan.

Highmark Wholecare Medicare Assured Ruby Basic Plan Details

Plan ID
H5932-009-0
Plan Type
HMO D-SNP
Plan Year
2025
Premium
$48.40/mo
Plus your Medicare Part B premium.
Health Plan Deductible
$0.00
Out-of-Pocket Maximum
6,700.00 /yr (in-network)
Part B Reduction
$0.00/mo
Drug Plan Benefit
Basic
$590.00 deductible
Supplemental Benefits
Vision, Hearing
Availability
Wyoming County, PA
Insured By
Highmark Wholecare Medicare Assured
Summary of Benefits

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Health Plan Out-of-Pocket Costs

The following table is a summary of the most common out-of-pocket costs you will incur if you join this Highmark Wholecare Medicare Assured plan:

Doctor's Office Visits

Primary
Not Covered
Specialist
$25 Copay

Emergency, Urgent, and Inpatient Hospital Coverage

Emergency room care
$125 Copay
Urgent care
$25 Copay
Ground ambulance
$250 Copay
Inpatient hospital care
$250.00 per day for days 1 through 6
$0.00 per day for days 7 and beyond
Skilled Nursing Facility
$0.00 per day for days 1 through 20
$214.00 per day for days 21 and beyond

Foot Care

Foot Exams and Treatments (Medicare-covered)
$25 Copay
Routine Foot Care
$25 Copay

Chiropractic Care

Medicare-covered chiropractic
$15 Copay
Prior Authorization Required
Routine chiropractic
$15 Copay
Prior Authorization Required

Mental Health Services

Outpatient individual therapy
$25 Copay
Outpatient group therapy
$25 Copay
Inpatient psychiatric hospital care
$250.00 per day for days 1 through 6
$0.00 per day for days 7 and beyond

Rehabilitation Services

Physical therapy and speech and language therapy
$20 Copay
Prior Authorization Required
Occupational therapy
$20 Copay
Prior Authorization Required

Medical Equipment and Supplies

Diabetes supplies
Not Covered
Durable medical equipment
20% Coinsurance
Prior Authorization Required
Prosthetics
20% Coinsurance

Diagnostics, Lab Services, and Imaging

Diagnostic radiology services
$175 Copay
Prior Authorization Required
Lab services
Not Covered
Outpatient x-rays
$20 Copay
Prior Authorization Required
Diagnostic tests and procedures
Not Covered

Medicare Part B Drugs

Chemotherapy
20% Coinsurance
Other Part B drugs (Medicare-covered)
20% Coinsurance

Dental Services

Medicare Covered Preventive Dental
Not Covered
Oral exam
$0
Dental x-rays
$0
Cleaning
$0
Periodontics
Not Covered
Endodontics
Not Covered
Restorative Services
Not Covered

Hearing Aids and Services

Fitting/evaluation
Covered
Limits may apply
Hearing aids
Not Covered
Hearing exam
Covered
Limits may apply

Vision Services

Medicare-covered eye exam
$ to $25 Copay
Routine eye exam
Covered
Limits may apply
Eyewear benefits
None
If you qualify for Medicare Advantage but don't know where to begin, we have licensed insurance agents[1] at 1-855-728-0510 (TTY 711) who can answer your questions (Mon-Fri 5am-6pm, Sat 6am-5pm PT) and help you get enrolled. There's no obligation.

Prescription Drug Costs & Benefits

Highmark Wholecare Medicare Assured Ruby includes an basic benefit Medicare Part D plan (PDP). This simply means that the plan covers the minimum amount required by the Centers for Medicare & Medicaid Services, whereas enhanced benefit plans cover more.

Prescription Drug Premium with Extra Help

Extra Help is a Social Security program that helps people with limited income and resources lower or cut Part D costs. The following table outlines premium assistance details with Extra Help.

Low Income Premium Subsidy: ${part_d_lips_amount}
Low Income Premium Subsidy CMS Pays: $48.40
Low Income Subsidy Premium: $0.00

If you would like more information about the Extra Help program, you can refer to the Social Security Extra Help page.

Prescription Drug Deductible

The Medicare Part D annual deductible with this plan is $590.00. You must pay this amount at the pharmacy before Highmark Wholecare Medicare Assured begins paying its share.

Prescription Drug Out-of-Pocket Costs

In addition to the plan's monthly premium and deductible, Highmark Wholecare Medicare Assured Ruby has out-of-pocket costs you must pay when you pick up your prescriptions.

Drug Tier Retail Mail Order
Cost data not available.
*The Part D deductible does not apply.

How to Qualify to Enroll in
Highmark Wholecare Medicare Assured Ruby

To qualify for enrollment in Highmark Wholecare Medicare Assured Ruby in Wyoming County, you must be eligible for both Medicare and Medicaid. To be eligible for Medicare, you must be age 65 or older, or have Social Security Disability Insurance for 24 months. To be eligible for Medicaid, your income and assets must be at or below Pennsylvania's state thresholds.

Before enrolling in Highmark Wholecare Medicare Assured Ruby , or any other dual-eligible SNP, be sure to ask the following questions:

  • What costs should I expect to pay out-of-pocket (premiums, deductibles, copayments)?
  • Will I be able to use my doctors? Are they in the plan's network?
  • Are the plan's in-network providers and facilities in convenient locations?
  • Does the plan provide coverage for services I receive from out-of-network providers?
  • Do I need a referral to see a specialist?
  • Are my medications on the Part D plan's formulary? What if I can't afford my medications?
  • What special accommodations does the plan make for persons with disabilities?
  • Does the plan offer free meal delivery after a stay in the hospital?
  • What help is offered for caregivers? Is adult day care covered?
  • Does the plan offer a prepaid card for over the counter medications and covered groceries?