Summary of Benefits

You have options for your Medicare Advantage coverage. Think about your needs and what type of benefits will help you most. First Choice VIP Care (D-SNP) offers all the benefits of regular Medicare, plus more.

First Choice VIP Care provides:

  • Coverage for inpatient hospital care, as well as skilled nursing facility and home health care coverage.
  • Preventive services to help you stay healthy.
  • A large network of doctors, hospitals, specialists, and pharmacies.
  • Great service and personal attention.

Plus, you'll get extra benefits, including:

  • Dental, vision, and hearing benefits not covered by Original Medicare.
  • Wellness education including smoking cessation and a nurse hotline.
  • Transportation to your provider.

Below is a brief summary of key benefits.

You may also view:

You can also contact First Choice VIP Care for more information.

Find a provider in our network for the benefits below.

Premium $0 monthly plan premium.
Doctor office visits $0 copay for each Medicare-covered primary care provider (PCP) visit.
Specialist visits

$0 copay for each Medicare-covered specialist visit.

No referral required.

Preventive and comprehensive dental

Unlimited plan coverage limit for preventive dental benefits every year.

$0 copay for the following preventive dental benefits:

  • Up to one oral exam every six months.
  • Up to one cleaning every six months.
  • Up to one fluoride treatment every six months.
  • Up to four dental X-rays every year.

The combined total comprehensive dental benefits cannot exceed $3,000 every year. The comprehensive dental benefits include the following services up to a $3,000 combined limit every year:

  • minor restorations (fillings)
  • simple extractions
  • dentures
  • denture repair and reline
  • surgical extractions
  • Oral surgery
  • Periodontics
  • Endodontics
  • Crowns
  • Mini-implants (lower arch only) and implant supported denture (lower arch only).

*Prior authorization is required for comprehensive dental services. Service limitations may apply.


Diagnostic hearing and balance evaluations are:

  • $0 for up to one routine hearing exam every year
  • $0 for up to three fittings for a hearing aid every three years
  • $0 for 80 batteries per aid for non-rechargeable models every three years
  • $1,500 allowance for hearing aids every three years

You must receive your care from a network provider. We will only pay for covered hearing services if you go to an in-network hearing provider. In most cases, you will have to pay for care that you receive from an out-of-network provider.

Vision services

Covered services include everything Original Medicare covers PLUS:

  • $0 copay for up to one routine vision exam every year.
  • The plan will cover up to $350 every year towards eyeglasses or contact lenses.


Unlimited trips to plan-approved locations every year (e.g., doctor’s office, pharmacy, and hospital).

Prior authorization is required for trips that exceed 50 miles for a one‐way ride. Other prior authorization and scheduling rules apply.

Over-the-counter pharmacy (OTC) and Special Supplemental Benefits for the Chronically Ill (SSBCI)/Food & Produce

Up to $280 per quarter may be spent for over-the-counter (OTC) items included in the OTC catalog (PDF), online ordering portal and/or qualified items at participating retail settings via a restricted spend debit card. Spanish OTC catalog (PDF). Members may purchase up to 6 products per category per quarter. There is no limit on the total number of items a member may purchase. OTC catalog and online ordering portal orders are limited to 3 orders per quarter. Additional limits may apply to some items.

Members with qualifying SSBCI chronic conditions may also use up to $100 of the $280 quarterly allowance towards qualifying Food & Produce at participating retail locations and/or FarmBox mail-order, items limits may apply. Any unused balance will automatically expire at the end of each quarter or upon disenrollment from the plan.

Refer to the Evidence of Coverage (EOC) (PDF) for more information on the qualifying SSBCI chronic conditions. The benefits mentioned are a part of special supplemental program for the chronically ill. Not all members qualify. 

Home health care $0 copay for Medicare-covered home health visits.
Outpatient mental health care

$0 copay for each Medicare-covered individual therapy visit.

$0 copay for each Medicare-covered group therapy visit.

$0 copay for each Medicare-covered individual therapy visit with a psychiatrist.

$0 copay for each Medicare-covered group therapy visit with a psychiatrist.

Important message about what you pay for vaccines

Our plan covers most Part D vaccines at no cost to you. Call Member Services for more information. 

Important message about what you pay for insulin

You won’t pay more than $35 for a one- month supply of each insulin product covered by our plan, no matter what cost sharing tier it is on. In most cases you will not pay more than $10.35 for a one-month supply of each insulin product.