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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 2025, 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 2025.
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 $37.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your 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 $590.00 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 $4000.00 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) has a $590 deductible for prescription drugs. After the deductible, you pay the costs for your drugs, but the specific costs for each tier are not listed. Once your total drug costs reach $2,000, you enter the next coverage phase. If you qualify for the low-income subsidy (LIS), you will pay $37 per month for Part D.
Additional Benefits
The Longevity Health Plan (HMO I-SNP) offers a range of benefits, including coverage for inpatient and outpatient services, with some services requiring coinsurance. The plan covers primary care, preventive services, and home health services with no copay. This plan also includes coverage for hearing, vision, and dental services, with varying coinsurance and maximum benefits. Additional benefits include ambulance services, medical equipment, and diagnostic services, all with some cost-sharing.
Inpatient Hospital See details
Inpatient Hospital benefits, including acute and psychiatric care, are covered, but additional days for inpatient hospital, non-Medicare covered stays, and upgrades are not covered. Both inpatient hospital acute and psychiatric care require prior authorization.
Outpatient Services See details
Outpatient services include coverage for Outpatient Hospital Services and Observation Services with a 20% coinsurance, Ambulatory Surgical Center (ASC) Services, Individual Sessions for Outpatient Substance Abuse, and Group Sessions for Outpatient Substance Abuse with a 20% coinsurance. Outpatient Blood Services are not covered.
Partial Hospitalization See details
Partial Hospitalization is covered under the Longevity Health Plan (HMO I-SNP), but requires prior authorization. You pay 20% coinsurance for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Longevity Health Plan (HMO I-SNP), with no copay for all ambulance services, but a 20% coinsurance for both ground and air ambulance services. Transportation Services to a plan-approved health-related location are covered for up to 60 one-way trips per year, while transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services are covered under the Longevity Health Plan (HMO I-SNP), with a $140 copay and no coinsurance. Urgently Needed Services are covered with no copay and a 20% coinsurance, and Worldwide Emergency Services are not covered.
Primary Care See details
The Longevity Health Plan (HMO I-SNP) covers primary care physician services, occupational therapy services, and physical therapy/speech-language pathology services with no coinsurance or copay. Chiropractic services, physician specialist services, mental health specialty services, podiatry services, other health care professional services, psychiatric services, and additional telehealth benefits are covered with varying coinsurance amounts and prior authorization may be required. Opioid Treatment Program Services are covered with prior authorization.
Preventive Services See details
Longevity Health Plan (HMO I-SNP) covers Medicare-covered preventive services and other preventive services like glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKGs following a welcome visit. Annual physical exams, health education, and other additional preventive services are not covered.
Hearing Services See details
Hearing Services include hearing exams with a coinsurance of at most 20% and routine hearing exams (1 per year) and fitting/evaluation for hearing aids. Prescription hearing aids are covered, with a maximum benefit of $3600 every two years, and OTC hearing aids are also covered, with a maximum benefit of $3600 every two years. Prescription hearing aids for inner ear, outer ear, and over the ear are not covered.
Vision Services See details
Vision services are covered, including routine eye exams with 20% coinsurance. Eyewear, contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades are also covered. Eyewear has a combined maximum benefit of $360 every two years.
Dental Services See details
The Longevity Health Plan (HMO I-SNP) covers dental services, with a 20% coinsurance for Medicare Dental Services. Other dental services have a maximum benefit of $3,000 per year, and specific services like oral exams, dental x-rays, and orthodontics are unlimited.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, with prior authorization required. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 20%. Other Medicare Part B Drugs and Medicare Part B Chemotherapy/Radiation Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the Longevity Health Plan (HMO I-SNP). You will pay 20% coinsurance for this service.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 20% coinsurance, Prosthetic Devices with 20% coinsurance, Medical Supplies with 20% coinsurance, and Diabetic Equipment with 20% coinsurance for Medicare-covered Diabetic Supplies and Therapeutic Shoes/Inserts; Durable Medical Equipment for use outside the home is not covered. There is no copay for any of these services.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered under the Longevity Health Plan (HMO I-SNP). Diagnostic Procedures/Tests, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services have a coinsurance of at most 20%, and there is no copay, while Lab Services are not covered.
Home Health Services See details
Home Health Services are covered by the Longevity Health Plan (HMO I-SNP) with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Longevity Health Plan (HMO I-SNP). Prior authorization is required for the services, but the plan does not cover the cost of the services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, but additional days beyond Medicare-covered and non-Medicare-covered stays are not covered. Prior authorization is required for SNF services.
Other Services See details
Other Services include coverage for Over-the-Counter (OTC) items, with a maximum benefit of $195.00 every three months, but the plan does not cover acupuncture, meal benefits, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, or Self-Directed Personal Assistance Services.
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