Clear Spring Health Premier Rx Review

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Clear Spring is just one of many insurance companies that sell Medicare Part D drug plans, also known as prescription drug plans (PDPs). 

One Clear Spring Part D plan is called “Health Premier Rx,” which the company markets toward beneficiaries looking for affordable premiums with low or $0 copays for generic drugs.

In this Medicare drug plans review, we explore the Clear Spring Health Premier Rx plan in detail to help you decide if it may satisfy your coverage needs.

While the Clear Spring Health Premier Rx plan may not be available where you live, you can easily compare the Medicare prescription drug plans available in your area online. You can also call to speak with a licensed insurance agent who can help you compare plans.

What Does Clear Spring Health Premier Rx Cover?

Medicare Part D plans provide coverage exclusively for prescription drugs, which are not typically covered by Original Medicare (Part A and Part B). 

Health Premier Rx covers all five tiers of drugs including:

1. Preferred generic
2. Generic
3. Preferred brand
4. Non-preferred brand
5. Specialty 

You may view a complete list of drugs online that are covered by this plan. Drugs are listed alphabetically within categories. An index on page 74 details where each drug covered by the plan is listed alphabetically. 

How Does Clear Spring Health Premier Rx Coverage Work?

With Health Premier Rx, you’ll have an annual deductible of $505 that applies to drugs in tiers 3, 4 and 5 in 2023. Once your deductible has been reached, you’ll have copayments or coinsurance charges each time you fill a prescription.

The amounts of these charges depend on the tier a drug is in and whether the prescription is filled at a preferred pharmacy. The plan also allows for mail-order delivery of drugs. 

The chart below shows the copayment or coinsurance amounts you can expect to pay for your drug refills with the Health Premier Rx plan after the annual deductible has been met in 2023. 

Where Is the Clear Spring Health Premier Rx Plan Sold?

Clear Spring sells Medicare Part D plans in 41 states and the District of Columbia. The only states where you will not find Clear Spring prescription drug plans available are:

• Colorado
• Connecticut 
• Maine
• Massachusetts
• New Hampshire
• New Mexico
• New York
• Rhode Island
• Vermont

Where Can Health Premier Rx Be Used?

Clear Spring claims to have over 60,000 participating pharmacies in its network where the company’s Part D plans may be used. Those include both local and national chain brands. 

You can find a list of pharmacies that accept Clear Spring’s Health Premier Rx plan by visiting the company’s pharmacy search page and selecting the Health Premier Rx plan along with your state. 

You can obtain a printed copy of the directory by visiting the plan documents page and selecting “Premier Plan Documents” along with your state. 

How Much Does Clear Spring Health Premier Rx Cost?

The cost of Clear Spring Health Premier Rx can vary by location. But in using the company’s online quote tool, customers in most locations can expect to spend between $15 and $20 per month for the plan. 

Is Clear Spring Health Premier Rx a Good Plan? 

Each year the Centers for Medicare and Medicaid Services (CMS) rates all Medicare Part D plans on a five-star scale using various quality metrics. 

For 2023, Clear Spring received complaints about their plans, and earned just two stars out of five for its Part D plans, which is considered below average. 

Most Medicare beneficiaries have several prescription drug plans from multiple different insurance companies from which to choose. Contact an insurance agent to learn about the Medicare Part D plans available in your area.