Medicare Advantage · HMO
Select Health
Plan year 2026

Select Health Medicare + Kroger H1994-034 (HMO)

3.5 · 2026 Star Rating · source: CMS · Ratings are updated annually
Monthly premium
$0
+ your Part B premium
Max out-of-pocket
$5,900
in-network annual cap
Primary care
$0
per visit copay
Specialist
$55
per visit

Your costs at a glanceIn-network, for the 2026 plan year

Rx deductible
$0
Inpatient hospital
Days 1-5: $475/day, Days 6-90: $0/day
no limit on covered hospital days
Inpatient mental health
Days 1-4: $475/day, Days 5-90: $0/day
Outpatient surgery
$325
Emergency room
$130
Urgent care
$50

What's included, and what it's actually worth5 benefits included. Tap any card for the detail

Dental

$1,500/yr preventive dental allowance
Details$1,500/yr preventive dental allowance
This is a supplemental benefit with plan-specific limits. See plan documents for details.

Hearing

$325–$1,799copay per hearing aid
Details$325–$1,799 copay per hearing aid
This is a supplemental benefit with plan-specific limits. See plan documents for details.

Vision

$200/yr eyewear allowance
Eyewear allowance$200/yr eyewear allowance
This is a supplemental benefit with plan-specific limits. See plan documents for details.
See more details about this plan
Doctor Visits: PCP$0 copay
In-network$0 copay per visit
Doctor Visits: Specialist$55 copay
In-network$55 copay per visit
Inpatient Hospital$475/day, days 1–5
In-networkDays 1-5: $475/day, Days 6-90: $0/day
Benefit limitNone — additional covered days are unlimited
Outpatient Surgery$325 copay
In-network$325 copay per procedure
Mental HealthDays 1-4: $475/day, Days 5-90: $0/day
Inpatient psychiatricDays 1-4: $475/day, Days 5-90: $0/day
Transportation24 one-way trips/year
Trips per year24 one-way trips/year
MealsMeal benefit

Your coverageCheck your coverageFrom the doctors and prescriptions you added

Your plan's drug tiers30-day retail · after any applicable deductible

Tier 1
$0
Preferred Generic
Tier 2
$5
Generic
Tier 3
$40
Preferred Brand
Tier 4
$90
Non-Pref Brand
Tier 5
33%
Specialty

Our take

Where this plan shines

This plan has a $0 monthly premium.
See your primary doctor for $0.
No separate drug deductible.

Things to know before you enroll

This plan’s out-of-pocket maximum is above the national median.
The specialist copay ($55) is on the higher side — worth comparing if you see specialists often.
Network restriction — you’ll need to use in-network providers except in emergencies.
Limited coverage while traveling outside the plan’s service area.
Questions? Talk to a licensed agent at1-866-764-3312 (TTY: 711)

Plan documents

Plan questions

Common questions about Select Health Medicare + Kroger (HMO)

What does Select Health Medicare + Kroger (HMO) cover?

Select Health Medicare + Kroger (HMO) is a Medicare Advantage plan that the current plan record identifies as including Part D prescription drug coverage. The plan record also identifies Part D prescription drug coverage. Its published drug benefit lists 5 formulary tiers. Published supplemental benefits include dental ($1,500/yr preventive dental allowance), vision ($200/yr eyewear allowance), hearing ($325–$1,799 copay per hearing aid), and transportation (24 one-way trips/year). Review the plan documents for covered services, limits, and rules. Coverage can change each plan year.

Learn about Medicare Advantage

How much does Select Health Medicare + Kroger (HMO) cost in 2026?

The published 2026 monthly plan premium for Select Health Medicare + Kroger (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 listed Part D deductible is $0. The in-network medical out-of-pocket maximum is $5,900; it does not include Part D drug spending. Published visit costs include primary care $0 and specialist visits $55. These figures are plan data, not a personal yearly-cost estimate.

Understand Medicare drug-cost limits

Can I use my current doctors with Select Health Medicare + Kroger (HMO)?

CMS lists Select Health Medicare + Kroger (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.

Check your doctors

Does Select Health Medicare + Kroger (HMO) cover my prescriptions?

Select Health Medicare + Kroger (HMO) has 5 published formulary tiers in the current plan record. Published preferred-pharmacy 30-day retail costs include Tier 1 at $0, Tier 2 at $5, Tier 3 at $40, Tier 4 at $90, and Tier 5 at 33%. The listed Part D deductible is $0. A tier listing does not confirm that a specific prescription is covered. Check each medication against the plan's current formulary, restrictions, pharmacy network, and costs before enrolling.

Check your prescriptions

What dental, vision, and hearing benefits does Select Health Medicare + Kroger (HMO) include?

The current plan record for Select Health Medicare + Kroger (HMO) lists dental ($1,500/yr preventive dental allowance), vision ($200/yr eyewear allowance), and hearing ($325–$1,799 copay per hearing aid). 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 Select Health Medicare + Kroger (HMO)?

Select Health Medicare + Kroger (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.

Review Medicare enrollment periods

More plan options

Browse the full 2026 Medicare Advantage with drug coverage directory. This plan is offered in Colorado. Plan availability can vary by county.

Helpful next steps