Clear Spring Health Value Rx A 2025 Medicare Part D Plan Available in New Jersey

CMS Rating: ☆☆☆☆☆ (2.0 out of 5 stars^*)

This guide provides an overview of the Clear Spring Health Value Rx Medicare Part D plan for 2025. You’ll find important information about the plan's benefits, costs, and star rating, along with details on how to enroll in New Jersey. Use the sections below to explore your prescription drug coverage options.

Clear Spring Health Value Rx helps lower your prescription drug expenses, whether you’re enrolled in Medicare Part A and/or Part B, or a Medicare Advantage plan without drug coverage in New Jersey.

• Monthly Premium
• Deductible
• Copays
• CMS 5-Star Ratings
• Enrollment
• Contact the Plan

Understanding Medicare Part D Plan Costs

Clear Spring Health Value Rx has a range of costs, including monthly premiums, deductibles, copayments, and coinsurance. Understanding how each of these components impacts your overall expenses is key to managing your prescription drug costs effectively. The sections below will guide you through each cost factor.

Plan Premium Details

The Clear Spring Health Value Rx plan's monthly premium plays a significant role in determining your overall costs. Some plans may also include supplemental charges or offer Low-Income Subsidy (LIS) options. Below is a breakdown of the premium details for this 2025 plan from Clear Spring Health.

IMPORTANT: If you qualify for the Low-Income Subsidy (LIS) program, known as "Extra Help," you could receive assistance with your prescription drug plan costs in New Jersey. For more details, visit the Social Security Extra Help page.

Understanding the Plan’s Deductible

This plan's Medicare Part D annual deductible is $590.00. You will need to pay this deductible amount before Clear Spring Health begins covering your prescription drug costs at the pharmacy.

Prescription Drug Plan Out-of-Pocket Costs

In addition to the monthly premium and deductible, you'll also be responsible for copayments (fixed amounts) and/or coinsurance (a percentage of the drug cost) under the Clear Spring Health Value Rx plan. The following table details these out-of-pocket costs.

What the CMS 5-Star Rating Means

The CMS assigns Medicare Part D plans a star rating, ranging from 1 to 5 stars, based on several factors, including customer service, member satisfaction, and prescription drug safety. This annual rating helps you evaluate the quality of a plan before enrolling. A 5-star rating indicates top-tier performance. Below, you’ll find the CMS rating for the Clear Spring Health Value Rx plan.

When to Enroll in a Medicare Part D Plan

It's important to enroll in a Medicare Part D plan during specific periods to avoid penalties and ensure continuous coverage. Here are the key times to sign up:

• Initial Enrollment Period (IEP): Your first chance to enroll in Medicare Part D typically starts three months before the month you turn 65 and lasts for seven months. Learn more about when your Initial Enrollment Period begins.
• Annual Enrollment Period (AEP): Every year from October 15 to December 7, you can join, switch, or drop your Medicare Part D plan. Get details about the Medicare Annual Enrollment Period.
• Medicare Advantage Open Enrollment Period (MA-OEP): From January 1 to March 31, you can change your Medicare Advantage plan or switch back to Original Medicare (with or without Part D), so long as you are currently enrolled in a Medicare Advantage plan. Explore the Medicare Advantage Open Enrollment Period.
• Special Enrollment Period (SEP): Certain events, like moving or losing other coverage, may qualify you for a Special Enrollment Period, allowing you to enroll or change plans outside the usual periods.

How to Sign Up for Clear Spring Health Value Rx

Here are a few ways to enroll in Clear Spring Health Value Rx or a different Medicare Part D plan:

• Online via MedicareEnrollment.com: Visit MedicareEnrollment.com to compare plans and enroll online quickly and securely.
• Call HealthCompare: For personalized assistance, call HealthCompare at 833-748-3201 (TTY 711) to get expert help with finding the right plan (Mon-Fri 5am-6pm, Sat 6am-5pm PST).
• Call 1-800-MEDICARE: Speak with a Medicare representative by calling 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048.
• Call the Plan Directly: You can also contact the plan directly using the details provided below to enroll over the phone.

Contact Clear Spring Health

Plans Offered Through Medicare.org

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.

This page was last updated on October 21, 2024.