Life Improvement Plan (HMO D-SNP)

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The Healthfirst Life Improvement Plan is a Medicare Advantage Dual-Eligible Special Needs (HMO DSNP) plan that offers members the benefits of Original Medicare and more, such as prescription drugs, an OTC Plus card, dental, hearing, vision, transportation, the SilverSneakers® fitness program, 24/7 access to care via phone or video chat, and more. Plus, you don’t need referrals to see in-network specialists. This plan is designed for people who have both Medicare and Medicaid.

Plan Highlights:

  • OTC Plus card for OTC and health-related items, healthy foods, fitness equipment and activity trackers, personal emergency response systems (PERS), and home utilities such as gas, oil, electric, water, and internet service (2024 plan feature)
  • $0 prescription drugs
  • Supplemental drug coverage for prescription vitamins
  • Comprehensive dental
  • Hearing exams and hearing aids
  • Vision exams and eyeglasses
  • SilverSneakers fitness program
  • Acupuncture
  • 2024
Life Improvement Plan (HMO D-SNP)
Summary of Benefits and Coverage (PDF)
English
Star Ratings
Healthfirst has Four-Star-Rated Medicare
Advantage Plans out of five stars in 2024
Premium
$0
Eligible Age
65 or older (or under 65 with certain disabilities)
Eligible Service Areas
Reside within New York City’s five boroughs (The Bronx, Brooklyn, Manhattan, Queens, and Staten Island), Nassau, Orange, Rockland, Sullivan, and Westchester counties.
Other Eligibility Requirements
Qualify for Medicare Part A (you are 65 or older, or under 65 with certain disabilities)
Enroll in and continue to pay for Medicare Part B. Medicare Part B premium is covered for dual-eligible members who have full Medicaid coverage
Are eligible for both Medicare and full Medicaid or for Medicare cost-sharing assistance under Medicaid.
Enrollment Period
Eligible beneficiaries can enroll in this plan at any time.
OTC Plus Card
$525 per quarter allowance for OTC non-prescription drugs and health-related items, healthy foods, fitness equipment and activity trackers, personal emergency response systems (PERS), and home utilities such as gas, oil, electric, water, and internet service
Dental
$0 copay for covered preventive and comprehensive dental services
Vision
$350 allowance per year toward eyeglasses/contacts
Hearing
$0-$1,475 copay per hearing aid
Plan covers one hearing aid per ear, per year
Rides to Your Healthcare Providers
$0 copay transportation to/from your doctor for covered services—up to 28 one-way trips per year (additional trips covered by Medicaid, if you qualify)
Acupuncture
$0 copay for up to 20 acupuncture visits for chronic lower back pain and an additional 12 supplemental visits for other conditions (including chronic lower back pain) per year
Nurse Help Line Access
$0 copay
Telemedicine (Teladoc)
$0 copay
Meal Delivery
$0 copay for up to 84 meals delivered to your home for up to 28 days following a discharge from hospital to home or from a Skilled Nursing Facility to home with a stay greater than two days, if recommended by a provider
Costs & Benefits
Life Improvement Plan (HMO D-SNP)
Medical Deductible
$0
Maximum Out-of-Pocket
$8,850
Your Annual Checkup
$0 copay
Primary Care Provider (PCP) Visit
$0 copay
Specialist Visit
$0 copay
Outpatient Lab Tests (including COVID-19)
$0 copay
Retail Health Clinic
$0 copay
Urgent Care
$0 copay
Emergency Room
$0 copay
Ambulance
$0 copay
Ambulatory Surgery Visit
$0 copay
Outpatient Facility
$0 copay
Inpatient Hospital Stay
$0 copay
Skilled Nursing Facility
$0 copay
Prescriptions

We want to help you get the most out of your Part D prescription drug benefits. Please refer to the formulary below to see which medications are covered. Healthfirst may add drugs to or remove them from its Medicare formulary during the year. You will receive notice when changes are made.

In 2024, Healthfirst Life Improvement Plan members will pay $0 for all covered prescription drugs (includes select prescription-strength vitamins.

All Covered Drugs
$0 copay

This information is not a complete description of benefits. Contact the plan for more information. Benefits, premiums, and/or copayments/coinsurance may change on January 1 of each year. The formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary.

You must continue to pay your Medicare Part B premium.

Coverage is provided by Healthfirst Health Plan, Inc., which offers HMO plans with a Medicare contract and a contract with the NY State Medicaid program. Enrollment in Healthfirst Medicare Plan depends on contract renewal.

Plans contain exclusions and limitations.

Healthfirst complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.

ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-866-305-0408 (TTY 1-888-867-4132).

注意:如果您使用繁體中文,您可以免費獲得語言援助服務。請致電1-866-305-0408 (TTY 1-888-542-3821).

No out-of-pocket costs for entry-level hearing aids. Eyewear allowance can only be used at participating retailers.

OTC items are subject to the plan’s list of eligible items and the plan’s participating network of retail, online, and utility providers.

Telemedicine (Teladoc) and the Nurse Help Line are not replacements for your primary care provider (PCP). Your PCP should always be your first choice for care (both in-person and virtual visits).

Dental services must be medically necessary; limitations and exclusions apply.

DentaQuest® is contracted with Healthfirst to provide dental benefits to its members.

EyeMed® is contracted with Healthfirst to provide vision benefits to its members.

Modivcare and Medical Answering Services provide the covered transportation services under your plan.

SilverSneakers is a registered trademark of Tivity Health, Inc.© 2023 Tivity Health, Inc. All rights reserved.

Last update January 18, 2024 @ 2:37 pm

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Additional Plan Highlights

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    24/7 Access to Telemedicine with Teladoc*

    Talk to a doctor any time—for a $0 copay. Visit with board-certified doctors through video chat or phone for prescriptions, treatment of non-emergency health issues, and more. Access to dermatologists is also available.

    *Telemedicine (Teladoc) isn’t a replacement for your primary care provider (PCP). Your PCP should always be your first choice for care (both in-person and virtual visits).

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    24/7 Access to care with the Nurse Help Line

    Talk to a nurse any time—for a $0 copay. Get wellness advice and help finding a doctor.

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    Urgent Care Center Network

    Get the care you need when you need it at an urgent care center in our network – no appointment needed. Urgent care centers offer convenient late-night and weekend hours. Visit an in-network urgent care center to get help with non-emergency health issues like earache, upset stomach, and sprains; for wounds that need stitches; and more.

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    SilverSneakers

    Get access to live classes and workshops taught by instructors trained in senior fitness, 200+ workout videos in the SilverSneakers On-Demand online library, online fitness and nutrition tips, and their mobile app with digital workout programs.

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    Healthfirst Medication Therapy Management Program

    The Healthfirst Medication Therapy Management (MTM) program is an in-depth, one-on-one review of all your medications (prescription drugs, over-the-counter nonprescription drugs, and herbal and nutritional supplements). The goal is to help you get the most from your medications. Services include:

    • Phone consultation with a licensed pharmacist to complete a Comprehensive Medication Review (CMR). The call will take about 30 to 60 minutes and the pharmacist will answer any questions you may have. (A CMR is offered once each year, if you qualify.)
    • Medication Action Plan (MAP)
    • Medication recommendations may be sent to your provider from the MTM pharmacist, also known as Targeted Medication Review (TMR)
    • A list that shows all your medications

    Learn More

Additional Plan Highlights

  • 24/7 Access to Telemedicine with Teladoc*

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  • 24/7 Access to care with the Nurse Help Line

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  • Urgent Care Center Network

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  • SilverSneakers

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  • Healthfirst Medication Therapy Management Program

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Frequently Asked
Questions

See All
  • What is an HMO D-SNP or SNP insurance plan? FAQ dropdown arrow
  • What can I purchase with the Healthfirst Life Improvement Plan OTC Plus card? FAQ dropdown arrow
  • Where to buy OTC items with the OTC Plus card: FAQ dropdown arrow
  • What dental benefits are available with the Healthfirst Life Improvement Plan? FAQ dropdown arrow
  • How can I save money on my healthcare costs? FAQ dropdown arrow
  • How do I access my pharmacy benefits? FAQ dropdown arrow

Support When You Need It

We’re happy to answer your questions. Our service centers hours are:

  • October through March, 7 days a week, 8am—8pm
  • April through September, Monday to Friday, 8am–8pm

Learn about enrollment

1-877-237-1303

TTY English: 1-888-542-3821

TTY Español: 1-888-867-4132

Member Services

1-888-260-1010

TTY English: 1-888-542-3821

TTY Español: 1-888-867-4132

Can’t talk right now?

Request a callback and we’ll get back to you within one business day.

You can also visit us in person at one of our community offices.

If you receive Medicaid and want to know whether you are eligible for a Managed Long-Term Care Plan, you can call the New York Independent Assessor (NYIA) formerly Conflict-Free Evaluation Enrollment Center (CFEEC) at 1-855-222-8350, TTY at 1-888-329-1541, Monday to Friday, 8:30am-8pm, and Saturday, 10am-6pm, to schedule your initial assessment.