Medicare Advantage · Local PPO
Aspirus Health Plan
Plan year 2026

Aspirus Health Plan Essential Rx (PPO) H6874-001

3.5 · 2026 Star Rating · source: CMS · Ratings are updated annually
Monthly premium
$0
+ your Part B premium
Max out-of-pocket
$5,500
in-network annual cap
Primary care
$0
per visit copay
Specialist
$45
per visit

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

Rx deductible
$350
Inpatient hospital
$400
per stay
no limit on covered hospital days
Inpatient mental health
$400
per stay
Outpatient surgery
$295
Emergency room
$130
Urgent care
$50

What's included, and what it's actually worth4 benefits included. Tap any card for the detail

Hearing

$699–$999copay per hearing aid
Details$699–$999 copay per hearing aid
This is a supplemental benefit with plan-specific limits. See plan documents for details.

OTC allowance

$80/quarter OTC allowance
Prepaid card$80/quarter OTC allowance

Vision

$250/yr eyewear allowance
Eyewear allowance$250/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$45 copay
In-network$45 copay per visit
Inpatient Hospital$400 per stay
In-network$400 per stay
Benefit limitNone — additional covered days are unlimited
Outpatient Surgery$295 copay
In-network$295 copay per procedure
Mental Health$400 per stay
Inpatient psychiatric$400 per stay
MealsMeal benefit

Your coverageCheck your coverageFrom the doctors and prescriptions you added

Our take

Where this plan shines

This plan has a $0 monthly premium.
This plan’s out-of-pocket maximum is below the national median.
See your primary doctor for $0.

Things to know before you enroll

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 Aspirus Health Plan Essential Rx (PPO) (Local PPO)

What does Aspirus Health Plan Essential Rx (PPO) (Local PPO) cover?

Aspirus Health Plan Essential Rx (PPO) (Local PPO) 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. Published supplemental benefits include vision ($250/yr eyewear allowance), hearing ($699–$999 copay per hearing aid), over-the-counter (OTC) ($80/quarter OTC allowance), and meals (Meal benefit). Review the plan documents for covered services, limits, and rules. Coverage can change each plan year.

Learn about Medicare Advantage

How much does Aspirus Health Plan Essential Rx (PPO) (Local PPO) cost in 2026?

The published 2026 monthly plan premium for Aspirus Health Plan Essential Rx (PPO) (Local PPO) 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 $350. The in-network medical out-of-pocket maximum is $5,500; it does not include Part D drug spending. Published visit costs include primary care $0 and specialist visits $45. These figures are plan data, not a personal yearly-cost estimate.

Understand Medicare drug-cost limits

Can I use my current doctors with Aspirus Health Plan Essential Rx (PPO) (Local PPO)?

CMS lists Aspirus Health Plan Essential Rx (PPO) (Local PPO) as a Local PPO 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 Aspirus Health Plan Essential Rx (PPO) (Local PPO) cover my prescriptions?

The current plan record for Aspirus Health Plan Essential Rx (PPO) (Local PPO) does not include tier-level formulary costs. The listed Part D deductible is $350. 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 Aspirus Health Plan Essential Rx (PPO) (Local PPO) include?

The current plan record for Aspirus Health Plan Essential Rx (PPO) (Local PPO) lists vision ($250/yr eyewear allowance) and hearing ($699–$999 copay per hearing aid). It also lists over-the-counter (OTC) ($80/quarter OTC allowance). The current data does not list dental 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 Aspirus Health Plan Essential Rx (PPO) (Local PPO)?

Aspirus Health Plan Essential Rx (PPO) (Local PPO) 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 Wisconsin. Plan availability can vary by county.

Helpful next steps