H1189-007 — CHRISTUS Health Medicare Guardian (HMO) — 2026 Medicare Advantage Plan
CHRISTUS Health Advantage
Plan ID: H1189-007 · Contract: H1189
Use this Medicare plan ID to verify you are comparing the exact 2026 plan before checking benefits, county availability, drug coverage, provider networks, and costs.
Improved from 3.5 stars last year
Plan history signals: Very Stable
A plain-language summary of year-over-year CMS plan data, not a CMS rating or guarantee.
What the available history shows:
How this HMO works
An HMO generally requires you to use the plan’s provider network except for emergency or urgent care and may require referrals for specialists. Confirm your doctors, hospitals, and pharmacies with the plan before enrolling.
Monthly Premium
$0/mo
This is the plan premium shown in CMS data. You must continue paying your Medicare Part B premium unless another program pays it for you.
Medical Deductible
Not available
CMS data does not list a medical deductible for this plan. This does not mean the cost is $0.
Drug Deductible
Not available
CMS data does not list a drug deductible for this plan. This does not mean the cost is $0.
Max Out-of-Pocket
$4,900
Common Medical Cost Sharing
A copay is a fixed dollar amount. Coinsurance is a percentage of the allowed cost. The amount you owe can depend on the service, provider, network, and plan rules.
Not available in the CMS data
Primary Care
Not available in the CMS data
Specialist
$130 copay
Emergency Room
$30 copay
Urgent Care
Supplemental Benefits
OTC Allowance: $75/quarter
Benefit Details
Medical Benefits
Inpatient Hospital
inpatient
Emergency Room
emergency
Urgent Care
urgent_care
Primary Care
primary_care
Specialist
specialist
Outpatient Hospital
outpatient
Dental - Preventive
dental
Dental - Comprehensive
dental
Vision - Eye Exams
vision
Hearing - Exams & Aids
hearing
Counties Served (8)
Data Source and Verification
Source: Centers for Medicare & Medicaid Services (CMS) public-use plan, benefit, service-area, formulary, and Star Ratings data.
Data vintage: 2026 plan-year data. CMS may revise files during the year.
Last reviewed: July 30, 2026.
Verify before enrolling: Confirm premiums, benefits, drugs, pharmacies, providers, eligibility, and service area with Medicare.gov Plan Compare or the plan. Read our methodology and editorial policy, or visit the Medicare plan FAQ.
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