HealthPartners Freedom Plains (Cost) H2462-023 is a 2023 Medicare Advantage Plan or Part-C by HealthPartners available to residents in North Dakota and South Dakota. This plan does not provide extra prescription drug (Part-D) coverage. HealthPartners HealthPartners Freedom Plains (Cost) has a monthly premium of $39.70 and has an in-network maximum out-of-pocket limit of $3,400 (MOOP). This means that if you get sick or need a high-cost procedure the co-pays are capped once you pay
$3,400 out-of-pocket. This can be an extremely nice safety net.
HealthPartners works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for HealthPartners Freedom Plains (Cost) you still retain Original Medicare. But you will get extra Part A (Hospital Insurance)
and Part B (Medical Insurance) coverage from HealthPartners 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 HealthPartners except hospice care. Original Medicare still provides you with hospice care if you sign up for
Medicare Advantage in North Dakota or Medicare Advantage in South Dakota.
What type of plan is HealthPartners Freedom Plains (Cost)
HealthPartners Freedom Plains (Cost) is a Cost * plan. A Cost plan is operated by a Health Maintenance Organization (HMO) in accordance with a cost reimbursement contract. A Medicare Cost Plan is a type of HMO. These plans may work in much the same way, and have some of the same rules, as Medicare Advantage Plans. You may use the cost plans network of providers or receive their health care services through Original Medicare. With a Cost Plan, if you go to a non-network provider, the services are covered under Original Medicare. You would pay the Medicare Part A and Part B coinsurance and deductibles.
How much does HealthPartners Freedom Plains (Cost) cost?
Part-C Premium
A monthly premium is the fee you pay to the plan in exchange for coverage. HealthPartners charges a $39.70 premium. The Part C premium covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.
MOOP
The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. HealthPartners Freedom Plains (Cost) by HealthPartners MOOP is $3,400. Once you spend $3,400 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.
2023 Summary of Benefits
The benefit information provided is a summary of what HealthPartners Freedom Plains (Cost) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from HealthPartners 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.
$0 per day for days 1 through 20 $196 per day for days 21 through 100
Occupational therapy visit
Rehabilitation services
$40 copay
Physical therapy and speech and language therapy visit
Rehabilitation services
$40 copay
Cleaning
Preventive dental
Not covered
Dental x-ray(s)
Preventive dental
Not covered
Fluoride treatment
Preventive dental
Not covered
Oral exam
Preventive dental
Not covered
Preventive care
$0 copay
Outpatient hospital coverage
$150 copay per visit
In-Network Other health plan deductibles?
No
Optional supplemental benefits
No
Inpatient hospital - psychiatric
Mental health services
$400 per stay
Outpatient group therapy visit
Mental health services
$20 copay
Outpatient group therapy visit with a psychiatrist
Mental health services
$20 copay
Outpatient individual therapy visit
Mental health services
$40 copay
Outpatient individual therapy visit with a psychiatrist
Mental health services
$40 copay
Diabetes supplies
Medical equipment/supplies
$0 copay
Durable medical equipment (e.g., wheelchairs, oxygen)
Medical equipment/supplies
0-20% coinsurance per item
Prosthetics (e.g., braces, artificial limbs)
Medical equipment/supplies
20% coinsurance per item
Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)
$3,400 In-network
Inpatient hospital coverage
$400 per stay
Fitting/evaluation
Hearing
$0 copay
Hearing aids
Hearing
$499-999 copay
Hearing exam
Hearing
$40 copay
Health plan deductible
$0
Ground ambulance
$200 copay
Foot exams and treatment
Foot care (podiatry services)
$40 copay
Routine foot care
Foot care (podiatry services)
Not covered
Emergency
Emergency care/Urgent care
$90 copay per visit (always covered)
Urgent care
Emergency care/Urgent care
$40 copay per visit (always covered)
Primary
Doctor visits
$0 copay
Specialist
Doctor visits
$40 copay per visit
Diagnostic radiology services (e.g., MRI)
Diagnostic procedures/lab services/imaging
$150 copay
Diagnostic tests and procedures
Diagnostic procedures/lab services/imaging
$0 copay
Lab services
Diagnostic procedures/lab services/imaging
$0 copay
Outpatient x-rays
Diagnostic procedures/lab services/imaging
$10 copay
Diagnostic services
Comprehensive dental
Not covered
Endodontics
Comprehensive dental
Not covered
Extractions
Comprehensive dental
Not covered
Non-routine services
Comprehensive dental
Not covered
Periodontics
Comprehensive dental
Not covered
Prosthodontics, other oral/maxillofacial surgery, other services
Comprehensive dental
Not covered
Restorative services
Comprehensive dental
Not covered
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 HealthPartners Freedom Plains (Cost) requires you to live in that plan’s service area. The service area is listed below:
How much does HealthPartners Freedom Plains (Cost) cost?
HealthPartners charges a $39.70 monthly premium. A monthly premium is the fee you pay to the plan in exchange for coverage. The premium covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.
How much is HealthPartners Freedom Plains (Cost) MOOP?
The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. HealthPartners Freedom Plains (Cost) by HealthPartners MOOP is $3,400. Once you spend $3,400 you will pay nothing for Part A or Part B covered services.
What type of plan is HealthPartners Freedom Plains (Cost)?
HealthPartners Freedom Plains (Cost) is a Cost * plan. A Cost plan is operated by a (HMO) in accordance with a cost reimbursement contract. You may use the cost plans network of providers or receive their health care services through Original Medicare.
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.
Site Search:
MedicareHelp.org is a privately-owned Non-governmental agency. The government website can be found at HealthCare.gov.
Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment depends on the plan’s contract renewal.
Every year, Medicare evaluates plans based on a 5-star rating system.
