LifeWorks Freedom (HMO I-SNP) By LifeWorks Advantage
LifeWorks Freedom (HMO I-SNP) H2185 003 0 is a 2023 Medicare Advantage Special Needs Plan plan by LifeWorks Advantage. This plan from LifeWorks Advantage works with Medicare to give you significant coverage beyond original Medicare. If you decide to sign up you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from LifeWorks Advantage and not Original Medicare. All Medicare SNPs also provide Medicare additional Part-D drug coverage.
LifeWorks Freedom (HMO I-SNP) H2185-003 is an Institutional SNP (I-SNP). An Institutional SNP is for beneficiaries who live in an institution such as a nursing
home or require nursing care at home. If you live in an institution like a nursing home or hospital you can join any Medicare SNP you qualify for or switch plans at any time.
The LifeWorks Freedom (HMO I-SNP) H2185-003 is available to residents to
Medicare eligible seniors in Virginia.
All Medicare SNPs must provide Medicare additional prescription drug (Part-D) coverage.
LifeWorks Freedom (HMO I-SNP) 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 PCP will serve as your personal doctor to provide all of your basic healthcare services. If you need special care for a physician specialist, your primary care physician will make the arrangements and tell you where you can go in the network. You will need your PCPs okay, called a referral. Without getting a referral or services received from out-of-network providers are not typically covered by the plan.
How much does LifeWorks Freedom (HMO I-SNP) cost?
Part-C Premium
A monthly premium is the fee you pay to the plan in exchange for coverage. LifeWorks Advantage charges a $0 Part-C 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.
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. LifeWorks Freedom (HMO I-SNP) has a monthly drug premium of $0 and a $505.00 drug deductible. This LifeWorks Advantage 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 LifeWorks Advantage above and beyond the standard PDP benefits. This can include additional 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.
LifeWorks Advantage 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 additional coverage. This LifeWorks Advantage plan does not offer additional coverage through the gap.
H2185-003 Formulary and Drug Coverage
LifeWorks Freedom (HMO I-SNP) 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 Special Needs Plan that covers your medications. Additionally, you can choose a plan that has your drugs listed at a lower price.
The benefit information provided is a summary of what LifeWorks Freedom (HMO I-SNP) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from LifeWorks Advantage 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.
Physical therapy and speech and language therapy visit
Rehabilitation services
$0 copay
Cleaning
Preventive dental
$0 copay
Dental x-ray(s)
Preventive dental
$0 copay
Fluoride treatment
Preventive dental
Not covered
Oral exam
Preventive dental
$0 copay
Preventive care
$0 copay
Outpatient hospital coverage
20% coinsurance per visit
In-Network Other health plan deductibles?
No
Optional supplemental benefits
No
Inpatient hospital - psychiatric
Mental health services
$195 per day for days 1 through 8 $0 per day for days 9 through 90
Outpatient group therapy visit
Mental health services
$10 copay
Outpatient group therapy visit with a psychiatrist
Mental health services
20% coinsurance
Outpatient individual therapy visit
Mental health services
$20 copay
Outpatient individual therapy visit with a psychiatrist
Mental health services
20% coinsurance
Chemotherapy
Medicare Part B drugs
20% coinsurance
Other Part B drugs
Medicare Part B drugs
20% coinsurance
Diabetes supplies
Medical equipment/supplies
$0 copay
Durable medical equipment (e.g., wheelchairs, oxygen)
Medical equipment/supplies
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)
$4,700 In-network
Inpatient hospital coverage
$150 per day for days 1 through 10 $0 per day for days 11 through 90 $0 per day for days 91 and beyond
Fitting/evaluation
Hearing
$0 copay
Hearing aids
Hearing
$0 copay
Hearing exam
Hearing
20% coinsurance
Health plan deductible
$226 per year for in-network services.
Ground ambulance
20% coinsurance
Foot exams and treatment
Foot care (podiatry services)
20% coinsurance
Routine foot care
Foot care (podiatry services)
$0 copay
Emergency
Emergency care/Urgent care
$90 copay per visit (always covered)
Urgent care
Emergency care/Urgent care
$55 copay per visit (always covered)
Primary
Doctor visits
$0 copay
Specialist
Doctor visits
$15 copay per visit
Diagnostic radiology services (e.g., MRI)
Diagnostic procedures/lab services/imaging
20% coinsurance
Diagnostic tests and procedures
Diagnostic procedures/lab services/imaging
20% coinsurance
Lab services
Diagnostic procedures/lab services/imaging
$0 copay
Outpatient x-rays
Diagnostic procedures/lab services/imaging
$0 copay
Diagnostic services
Comprehensive dental
$0 copay
Endodontics
Comprehensive dental
$0 copay
Extractions
Comprehensive dental
$0 copay
Non-routine services
Comprehensive dental
$0 copay
Periodontics
Comprehensive dental
$0 copay
Prosthodontics, other oral/maxillofacial surgery, other services
Comprehensive dental
$0 copay
Restorative services
Comprehensive dental
$0 copay
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 Special Need 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 LifeWorks Freedom (HMO I-SNP) requires you to live in that plan’s service area. The service area is listed below:
Notes: Data are subject to change. All contracts for 2023 have not been finalized. For 2023, enhanced alternative plans may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part Part D benefit.
Includes 2023 approved contracts/plans. Employer sponsored 800 series plans and plans under sanction are excluded.
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