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Medicare Advantage · HMO · 2027

Senior Health Plan Silver (HMO)

CommunityCare Senior Health Plan (HMO) H3755-0024.0 CMS rating for 2027
Is it offered where you live?

No referral needed to see a specialist

At a glance: $0 monthly premium and $0 primary care visits.

This plan does not include Part D drug coverage. Before enrolling, confirm how your prescriptions will be covered. Read before you enroll

Monthly premium
$0
Part B premium separate
Yearly limit
$3,400
Most you’d pay for in-network care
Dental
$1,000/yr
Preventive & comprehensive dental allowance
Doctor visits
$0
Primary care · specialists $5

Check this plan for you

Add your doctors to see if they’re in this plan’s network.

Your doctors
Not checked yetSee if they’re in this plan’s network
Your prescriptionsReview
No drug coverage with this planCheck whether your current drug coverage is creditable
Extra benefits
5 includedDental · Vision · OTC allowance · Hearing · Transportation

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Talk with a licensed advisor

A licensed agent can review this plan and other plans in your area that fit your needs.

TTY: 711 · Monday to Friday, 8:00 AM to 6:00 PM CST

Before you enroll

Prescription coverage and who this plan may fit

This plan does not include Part D drug coverage

Before enrolling, confirm how your prescriptions will be covered. You can't add a separate Part D plan to this plan. Joining one would end your Medicare Advantage coverage, so make sure you have other drug coverage, like VA or TRICARE. A gap in creditable drug coverage may lead to a Part D late enrollment penalty later.

Part D late enrollment penalty

If you go 63 days or more in a row after your Part D initial enrollment period without Part D or other creditable prescription drug coverage, you may owe a penalty if you join Part D later. The penalty is 1% of the national base beneficiary premium ($38.99 in 2026) for each full uncovered month. It is added to your monthly Part D premium for as long as you have Part D, and the base premium can change each year.

Who this type of plan may fit

MA-Only plans are generally considered by people who already have creditable prescription drug coverage, such as coverage from the VA, TRICARE, or a current or former employer or union. Your coverage provider (not this page) must tell you whether your current drug coverage is creditable.

Before you enroll

  • Find your current plan's annual Notice of Creditable Coverage or ask its benefits administrator.
  • Do not drop existing drug coverage until you understand how the change affects both coverages.
Review the creditable coverage checklist

Costs and copays

Deductible, yearly limit, visits, hospital stays and drug coverage
Medical deductiblePer year
$0
Drug coveragePart D
Not included
Yearly limitIn-network care, not counting drugs
$3,400
Primary doctorPer visit
$0
SpecialistPer visit · no referral needed
$5
Hospital stayNo limit on covered hospital days
Days 1-7: $25/day, Days 8-90: $0/day
Inpatient mental healthNo limit on covered hospital days
Days 1-7: $25/day, Days 8-90: $0/day
Outpatient surgeryPer procedure
$25
Emergency roomPer visit
$90
Urgent carePer visit
$5

Our take

Where this plan shines, and what to know

Where this plan shines

  • This plan has a $0 monthly premium.
  • This plan’s out-of-pocket maximum ($3,400) is among the lowest available.
  • See your primary doctor for $0.
  • The specialist copay ($5) is among the more affordable options.
  • No separate medical deductible.
  • Highly rated by CMS (4 stars).

Things to know before you enroll

  • You’ll need to use in-network providers except in emergencies.
  • Limited coverage while traveling outside the plan’s service area.
  • Does not include prescription drug coverage. You can't add a separate Part D plan to this plan. Joining one would end your Medicare Advantage coverage, so make sure you have other drug coverage, like VA or TRICARE.
  • Late enrollment penalty risk if you go without creditable drug coverage for 63+ days.

Similar plans

Other Medicare Advantage plans offered in Oklahoma

Common questions

6 answers about this plan

What does Senior Health Plan Silver (HMO) cover?

Senior Health Plan Silver (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 ($1,000/yr preventive & comprehensive dental allowance), vision ($650/yr eyewear allowance), hearing ($600 hearing aid allowance per 2 years), and over-the-counter (OTC) ($95/quarter OTC allowance). Review the plan documents for covered services, limits, and rules. Coverage can change each plan year.

Learn about Medicare Advantage

How much does Senior Health Plan Silver (HMO) cost in 2027?

The published 2027 monthly plan premium for Senior Health Plan Silver (HMO) is $0. Any Medicare premiums you owe are separate from the listed plan premium. The listed medical deductible is $0. The in-network medical out-of-pocket maximum is $3,400; it does not include Part D drug spending. Published visit costs include primary care $0 and specialist visits $5. These figures are plan data, not a personal yearly-cost estimate.

Can I use my current doctors with Senior Health Plan Silver (HMO)?

CMS lists Senior Health Plan Silver (HMO) as a HMO plan. The plan record says specialist referrals are not required. 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.

Check your doctors

Does Senior Health Plan Silver (HMO) include prescription drug coverage?

Senior Health Plan Silver (HMO) is listed in the current plan record as a Medicare Advantage plan without Part D prescription drug coverage. You can't add a separate Part D plan to this plan. Joining one would end your Medicare Advantage coverage, so make sure you have other drug coverage, like VA or TRICARE. Confirm how your prescriptions will be covered before enrolling.

What extra benefits does Senior Health Plan Silver (HMO) offer beyond Original Medicare?

The current plan record for Senior Health Plan Silver (HMO) lists dental ($1,000/yr preventive & comprehensive dental allowance), vision ($650/yr eyewear allowance), hearing ($600 hearing aid allowance per 2 years), over-the-counter (OTC) ($95/quarter OTC allowance), and transportation (12 one-way trips/year). The current data does not list fitness and meals as offered benefits. 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.

When can I enroll in Senior Health Plan Silver (HMO)?

Senior Health Plan Silver (HMO) is a 2027 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.

Review Medicare enrollment periods

Plan documents

Summary of Benefits and Evidence of Coverage

Talk to a licensed agent

Talk with a licensed advisor

A licensed agent can review this plan and other plans in your area that fit your needs.

TTY: 711 · Monday to Friday, 8:00 AM to 6:00 PM CST

Senior Health Plan Silver H3755-002 (HMO) — 2027 Costs & Benefits