Align Freedom (HMO-POS) H1277-005 is a 2023 Medicare Advantage Plan or Part-C by Align Senior Care available to residents in Virginia. This plan includes extra prescription drug (Part-D) coverage. Align Senior Care Align Freedom (HMO-POS) has a monthly premium of $0 and has an in-network maximum out-of-pocket limit of $4,700 (MOOP). This means that if you get sick or need a high-cost procedure the co-pays are capped once you pay $4,700 out-of-pocket. This can be an extremely nice safety net.

Align Senior Care works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Align Freedom (HMO-POS) you still retain Original Medicare. But you will get extra Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Align Senior Care and not Original Medicare. With 2023 Medicare Advantage Plan you are always covered for urgently needed and emergency care. Plus, you receive all the benefits of Original Medicare from Align Senior Care except hospice care. Original Medicare still provides you with hospice care if you sign up for Medicare Advantage in Virginia.

2023 Align Senior Care Medicare Advantage Plan Overview

What type of plan is Align Freedom (HMO-POS)

Align Freedom (HMO-POS) is a Local HMO. With a health maintenance organization (HMO) you will be required to receive most of your health care from an in-network provider. Health maintenance organizations require that you select a primary care physician (PCP). Your primary care physician will serve as your personal doctor to provide all of your basic healthcare services. If you require specialized care or a physician specialist, your primary care physician will make the arrangements and inform you where you can go in the network. You will need your primary care physician approval, called a referral. Services received from an out-of-network provider are not typically covered.

With a HMO-POS point-of-service you have the option to go out-of-network or see a specialist without a referral. But, you may pay more for out-of-network care you receive than from an in-network provider.

How much does Align Freedom (HMO-POS) cost?

Monthly Premium

A monthly premium is the fee you pay to the plan in exchange for coverage. Align Senior Care charges a $0 consolidated premium. The Part C premium is $0 this charge covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.

Part-D Deductible and Premium

An annual deductible is the amount you pay out-of-pocket for your prescription drugs before your plan begins to pay. Align Freedom (HMO-POS) has a monthly drug premium of $0 and a $505.00 drug deductible. This Align Senior Care plan offers a $0 Part-D Basic Premium that is Not below the regional benchmark. This covers the basic prescription benefit only and does not cover enhanced drug benefits such as medical benefits or hospital benefits. The Part D Supplemental Premium is $0. This Premium covers any enhanced plan benefits offered by Align Senior Care above and beyond the standard PDP benefits. This can include extra coverage in the gap, lower co-payments, and coverage of non-Part D drugs. The Part D Total Premium is $0. The Part D Total Premium is the addition of supplemental and basic premiums for some plans this amount can be lowered due to negative basic or supplemental premiums.

Align Senior Care Gap Coverage

In 2023 once you and your plan provider have spent $4660 on covered drugs. (Combined amount plus your deductible) You will be in the coverage gap. (AKA "donut hole") You will be required to pay 25% for prescription drugs unless your plan offers extra coverage. This Align Senior Care plan does not offer extra coverage through the gap.

MOOP

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. Align Freedom (HMO-POS) by Align Senior Care MOOP is $4,700. Once you spend $4,700 you will pay nothing for Part A or Part B covered services. Copayments and coinsurance for Medicare approved services apply toward your out-of-pocket limit. Remember Original Medicare (Parts A and B) doesn’t have a MOOP.

Formulary and Drug Coverage

Align Freedom (HMO-POS) formulary is divided into tiers or levels of coverage based on usage and according to the medication costs. Each tier will have a defined copay that you must pay to receive the drug. Drugs in lower tiers will usually cost less than those in higher tiers. By reviewing different Medicare Drug formularies, you can pick a Medicare Advantage plan that covers your medications. Additionally, you can choose a plan that has your drugs listed at a lower price.

Drug Tier	Copay Preferred Pharmacy	Copay Nonpreferred Pharmacy
Tier 1	NA	$2
Tier 2	NA	$15
Tier 3	NA	$45
Tier 4	NA	$95
Tier 5	NA	25%

The complete Align Freedom (HMO-POS) Formulary.
*Initial Coverage Phase and 30 day supply

2023 Summary of Benefits

The benefit information provided is a summary of what Align Freedom (HMO-POS) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from Align Senior Care helps get an idea of how much financial protection the plan is generally expected to provide for common health conditions. This section also contains information on coverage for in-network and out-of-network providers.

Wellness programs (e.g., fitness, nursing hotline)	Covered

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Contact lenses

In-Network Vision	$0 copay

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Eyeglass frames

In-Network Vision	$0 copay

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Eyeglass lenses

In-Network Vision	$0 copay

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Eyeglasses (frames and lenses)

In-Network Vision	$0 copay

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Other

Vision	Not covered

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Routine eye exam

In-Network Vision	$0 copay

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Upgrades

In-Network Vision	$0 copay

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Transportation	Not covered
In-Network Skilled Nursing Facility	In 2023 the amounts for each benefit period are: $0 copay for days 1 through 20 $200 copay per day for days 21 through 100
Out-of-Network Skilled Nursing Facility	Not Applicable

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Occupational therapy visit

In-Network Rehabilitation services	$10-40 copay

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Physical therapy and speech and language therapy visit

In-Network Rehabilitation services	$10-40 copay

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Cleaning

In-Network Preventive dental	$0 copay

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Dental x-ray(s)

In-Network Preventive dental	$0 copay

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Fluoride treatment

Preventive dental	Not covered

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Oral exam

In-Network Preventive dental	$0 copay

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In-Network Preventive care	$0 copay
In-Network Outpatient hospital coverage	$250 copay or 20% coinsurance per visit
In-Network Other health plan deductibles?	No
Optional supplemental benefits	No

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Inpatient hospital - psychiatric

In-Network Mental health services	$195 per day for days 1 through 8 $0 per day for days 9 through 90
Out-of-Network Mental health services	Not Applicable

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Outpatient group therapy visit

In-Network Mental health services	$10 copay

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Outpatient group therapy visit with a psychiatrist

In-Network Mental health services	20% coinsurance

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Outpatient individual therapy visit

In-Network Mental health services	$20 copay

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Outpatient individual therapy visit with a psychiatrist

In-Network Mental health services	20% coinsurance

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Chemotherapy

In-Network Medicare Part B drugs	20% coinsurance

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Other Part B drugs

In-Network Medicare Part B drugs	20% coinsurance

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Diabetes supplies

In-Network Medical equipment/supplies	$0 copay

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Durable medical equipment (e.g., wheelchairs, oxygen)

In-Network Medical equipment/supplies	20% coinsurance per item

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Prosthetics (e.g., braces, artificial limbs)

In-Network Medical equipment/supplies	20% coinsurance per item

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Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)	$4,700 In-network
In-Network Inpatient hospital coverage	$250 per day for days 1 through 6 $0 per day for days 7 through 90
Out-of-Network Inpatient hospital coverage	Not Applicable

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Fitting/evaluation

In-Network Hearing	$0 copay

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Hearing aids

In-Network Hearing	$100-1,475 copay

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Hearing exam

In-Network Hearing	20% coinsurance

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Health plan deductible	$0
In-Network Ground ambulance	20% coinsurance

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Foot exams and treatment

In-Network Foot care (podiatry services)	$20 copay

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Routine foot care

Foot care (podiatry services)	Not covered

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Emergency

Emergency care/Urgent care	$90 copay per visit (always covered)

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Urgent care

Emergency care/Urgent care	$0-20 copay per visit (always covered)

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Primary

In-Network Doctor visits	$0 copay

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Specialist

Out-of-Network Doctor visits	$20 copay per visit
In-Network Doctor visits	$20 copay per visit

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Diagnostic radiology services (e.g., MRI)

In-Network Diagnostic procedures/lab services/imaging	$0-275 copay or 20% coinsurance

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Diagnostic tests and procedures

In-Network Diagnostic procedures/lab services/imaging	$0-70 copay

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Lab services

In-Network Diagnostic procedures/lab services/imaging	$0-50 copay

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Outpatient x-rays

In-Network Diagnostic procedures/lab services/imaging	$0-20 copay

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Diagnostic services

In-Network Comprehensive dental	$0 copay

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Endodontics

In-Network Comprehensive dental	$0 copay

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Extractions

In-Network Comprehensive dental	$0 copay

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Non-routine services

In-Network Comprehensive dental	$0 copay

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Periodontics

In-Network Comprehensive dental	$0 copay

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Prosthodontics, other oral/maxillofacial surgery, other services

In-Network Comprehensive dental	$0 copay

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Restorative services

In-Network Comprehensive dental	$0 copay

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In-Network Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?	No

Coverage Area

(Click county or state to compare all available Advantage plans)

The availability of Medicare Advantage Plans will vary according to your region. This is why the Coverage Area matters in terms of Medicare eligibility. You will always be eligible for Original Medicare, but eligibility for Align Freedom (HMO-POS) requires you to live in that plan’s service area. The service area is listed below:

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Source:CMS. Data as of Oct 1, 2022.

Last updated on December 03, 2022

Notes: Data are subject to change as contracts are finalized. For 2023, enhanced alternative may offer extra cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part-D benefit. Includes 2023 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.