CHRISTUS Health Medicare Plan Comparison (2025)

Basic Plan Information

Service Areas: Central Texas counties: Caldwell, Comal, Guadalupe

Benefit	Medicare Plus (HMO) H1189-009	Medicare Guardian (HMO) H1189-008
Monthly Premium	$0	$0
Part B Premium Rebate	N/A	$125
Out-of-Pocket Maximum	$4,000	$4,400

Medical Benefits

Service	Medicare Plus	Medicare Guardian
Inpatient Hospital Care	$0 per day (days 1–90+)	$0 per day (days 1–90+)
PCP Office Visit	$0 (includes telehealth)	$0 (includes telehealth)
Specialist Visit	$25	$25
Emergency Care (Worldwide)	$125	$125
Routine Blood Tests	$0	$0
Diagnostic Radiology	$125	$150

Hearing, Dental, and Vision

Service	Medicare Plus	Medicare Guardian
Routine Hearing Exam	$0	$0
Prescription Hearing Aids	$395–$1,595 per ear/year	$395–$1,595 per ear/year
Dental Allowance	$3,500 max/year	$2,500 max/year
Dental Cleaning	$0 (up to 3/year)	$0 (up to 3/year)
Comprehensive Dental	$20 copay	$20 copay
Routine Eye Exam	$0	$0
Eyewear	$300 allowance/year	$250 allowance/year

Additional Benefits

Service	Medicare Plus	Medicare Guardian
Durable Medical Equipment	0% – 15%	0% – 20%
Diabetic Supplies	$0	$0
Fitness Program (Silver&Fit)	$0 membership	$0 membership
OTC Products	$130/quarter	$100/quarter
Transportation	48 one-way trips	48 one-way trips
Post-Discharge Meals	14 meals/7 days	14 meals/7 days

Prescription Drug Coverage

Tier	Retail (30-day)	Mail Order (90-day)
Tier 1: Preferred Generic	$0	$0
Tier 2: Generic	$0	$0
Tier 3: Preferred Brand	$47	$141
Tier 4: Non-Preferred	$100	$300
Tier 5: Specialty	33%	Not covered
Tier 6: Select Care	$0	$0
Coverage Gap	No coverage gap
Catastrophic Coverage	No additional costs after $2,000 out-of-pocket

Service Areas: Central Texas counties: Caldwell, Comal, Guadalupe

Contact: 844.282.3026 / TTY 711 (Oct–Mar: 7 days/week, Apr–Sep: Mon–Fri, 8 a.m. – 8 p.m.)

CHRISTUS Health Advantage is an HMO plan with a Medicare contract. Enrollment depends on contract renewal. Benefits and coverage may change annually.