CHRISTUS Health Medicare Guardian H1189-008 (HMO)

CHRISTUS Health Medicare Guardian (HMO) is a Medicare Advantage plan that the current plan record identifies as not including Part D prescription drug coverage. The plan record does not identify Part D prescription drug coverage. Published supplemental benefits include dental ($2,500/yr preventive dental allowance), vision ($250/yr eyewear allowance), hearing ($395–$1,595 copay per hearing aid), and over-the-counter (OTC) ($75/quarter OTC allowance). Review the plan documents for covered services, limits, and rules. Coverage can change each plan year.

The published 2026 monthly plan premium for CHRISTUS Health Medicare Guardian (HMO) is $0. The standard Part B premium is $202.90/month in 2026 for most people; assistance may pay it for some members. The in-network medical out-of-pocket maximum is $4,900; it does not include Part D drug spending. Published visit costs include primary care $0 and specialist visits $40. These figures are plan data, not a personal yearly-cost estimate.

CMS lists CHRISTUS Health Medicare Guardian (HMO) as a HMO plan. A network label alone does not confirm that a specific doctor participates. Use the doctor lookup tool, then confirm with the doctor's office and the plan before receiving care. Provider networks and member costs can change. Emergency care and travel coverage can follow different network rules.

CHRISTUS Health Medicare Guardian (HMO) is listed in the current plan record as a Medicare Advantage plan without Part D prescription drug coverage. Do not assume that a separate standalone Part D plan can be added: many Medicare Advantage plans cannot be paired with a PDP, and joining one can affect Medicare Advantage enrollment. Confirm this plan's rules and how your prescriptions will be covered before enrolling.

The current plan record for CHRISTUS Health Medicare Guardian (HMO) lists dental ($2,500/yr preventive dental allowance), vision ($250/yr eyewear allowance), hearing ($395–$1,595 copay per hearing aid), over-the-counter (OTC) ($75/quarter OTC allowance), and transportation (48 one-way trips/year). The current data does not list fitness as offered benefits. It also lists a Part B premium reduction of $125 per month. Benefit allowances, frequency, eligibility, and participating providers can have additional limits, so review the Summary of Benefits or Evidence of Coverage for the complete rules.

CHRISTUS Health Medicare Guardian (HMO) is a 2026 Medicare Advantage plan. The Annual Enrollment Period runs from October 15 through December 7, with changes taking effect January 1. The Medicare Advantage Open Enrollment Period runs from January 1 through March 31 for people already enrolled in Medicare Advantage. A qualifying circumstance may create a Special Enrollment Period outside those dates. Confirm the enrollment window and effective date that apply to you before changing coverage.