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Longevity Health Plan (HMO I-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Longevity Health Plan (HMO I-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Longevity Health Plan (HMO I-SNP) in 2026, please refer to our full plan details page.
Longevity Health Plan (HMO I-SNP) is a HMO I-SNP plan offered by Longevity Health Founders, LLC available for enrollment in 2025 to people living in CO (Partial). This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that Longevity Health Plan (HMO I-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Longevity Health Plan (HMO I-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Longevity Health Plan (HMO I-SNP).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For Longevity Health Plan (HMO I-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $35.20. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $1.50. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $615.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $9250.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The Longevity Health Plan (HMO I-SNP) features a defined standard drug benefit with an annual prescription drug deductible of $615.00. After meeting this deductible, you will pay cost-sharing amounts for your prescription drugs during the initial coverage phase. This initial coverage phase continues until your total drug costs reach $2,100.00. For individuals who qualify for the low-income subsidy, also known as LIS or Extra Help, the Part D cost is $35.20. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will have no copay for covered Part D drugs.
Additional Benefits
The Longevity Health Plan (HMO I-SNP) offers comprehensive medical coverage featuring no copays for primary care visits, preventive services, and inpatient hospital stays, though coinsurance applies for inpatient care. Most outpatient services, specialist visits, diagnostic tests, and durable medical equipment require a 20% coinsurance with no copay. Emergency care is available with a $115 copay, while urgent care services carry a 20% coinsurance. This plan also provides valuable supplemental benefits, including up to $3,600 every two years for hearing aids and $360 every two years for eyewear with no copays. Additionally, members receive a $150 quarterly over-the-counter allowance with no copay or coinsurance and up to 40 one-way trips to approved health locations. Routine dental, lab services, and cardiac rehabilitation are not covered under this plan.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered by Longevity Health Plan (HMO I-SNP), requiring no copay and utilizing Original Medicare-defined coinsurance. While acute and psychiatric inpatient stays are covered under prior authorization, additional days, non-Medicare-covered stays, and acute upgrades are not covered.
Outpatient Services See details
Longevity Health Plan (HMO I-SNP) covers outpatient services, including outpatient hospital, ambulatory surgical center, substance abuse, and blood services, with a 20% coinsurance and no copay. Prior authorization is required for most of these outpatient services, and there is no deductible for outpatient blood services.
Partial Hospitalization See details
Partial hospitalization benefits are covered by Longevity Health Plan (HMO I-SNP) with a 20% coinsurance and no copay. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by Longevity Health Plan (HMO I-SNP), as transportation to any health-related location is not covered. Ground and air ambulance services require a 20% coinsurance and no copay, while the plan covers up to 40 one-way trips per year to plan-approved health-related locations.
Emergency Services See details
Longevity Health Plan (HMO I-SNP) covers emergency services with a $115 copay and no coinsurance, and urgently needed services with a 20% coinsurance and no copay. Worldwide emergency coverage, worldwide urgent coverage, and worldwide emergency transportation are not covered.
Primary Care See details
Primary Care benefits are covered by Longevity Health Plan (HMO I-SNP) with no copays, and coinsurance ranging from no coinsurance to 20% for specialists, mental health, podiatry, and telehealth. Although most primary care and therapy services are covered, routine chiropractic care is not covered.
Preventive Services See details
Preventive services are partially covered under the Longevity Health Plan (HMO I-SNP) with no copay and no coinsurance for Medicare-covered zero-dollar services, kidney disease education, and other select screenings. However, several sub-services are not covered, including annual physical exams, fitness benefits, health education, in-home safety assessments, and personal emergency response systems.
Hearing Services See details
Hearing services are partially covered by Longevity Health Plan (HMO I-SNP), as inner ear, outer ear, and over the ear prescription hearing aids are not covered. Covered services include routine hearing exams with no copay and up to 20% coinsurance, alongside OTC and other prescription hearing aids up to $3,600 every two years with no copay or coinsurance.
Vision Services See details
Vision services are covered by Longevity Health Plan (HMO I-SNP), which includes one routine eye exam annually with a 20% coinsurance and no copay. Additionally, the plan provides up to $360 of coverage every two years for eyewear, including contact lenses, eyeglasses, frames, and upgrades, with no deductible.
Dental Services See details
Longevity Health Plan (HMO I-SNP) partially covers dental services, providing Medicare-covered dental care with no copay and a 20% coinsurance, which requires prior authorization. However, several dental sub-services are not covered, including restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics.
Home Infusion bundled Services See details
Longevity Health Plan (HMO I-SNP) covers Home Infusion bundled Services, which require prior authorization and step therapy. Covered Medicare Part B insulin drugs have a $35 copay and no coinsurance to 20% coinsurance, while chemotherapy, radiation, and other Part B drugs have no copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by the Longevity Health Plan (HMO I-SNP) with a 20% coinsurance and no copay.
Medical Equipment See details
Medical equipment benefits are covered by Longevity Health Plan (HMO I-SNP) with no copay and a 20% coinsurance. Covered services include durable medical equipment, prosthetics, medical supplies, and diabetic equipment, all of which require prior authorization.
Diagnostic and Radiological Services See details
Longevity Health Plan (HMO I-SNP) partially covers diagnostic and radiological services with no copay and a 20% coinsurance, but lab services are not covered. Prior authorization is required for these covered services, which include diagnostic procedures, radiological services, and outpatient X-rays.
Home Health Services See details
Home Health Services are covered under the Longevity Health Plan (HMO I-SNP), with prior authorization required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the Longevity Health Plan (HMO I-SNP), as none of the sub-services—including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation—are covered in practice.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by Longevity Health Plan (HMO I-SNP) according to Original Medicare guidelines, requiring prior authorization and a prior three-day inpatient hospital stay. While standard SNF services are covered, additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Longevity Health Plan (HMO I-SNP) partially covers Other Services, offering an over-the-counter (OTC) benefit of $150 every three months with no copay or coinsurance, and unused balances carry forward to the next period. Acupuncture, meal benefits, and dual-eligible SNP highly integrated services are not covered under this benefit.
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