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Medical Associates Freedom Plan (Cost)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Medical Associates Freedom Plan (Cost). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Medical Associates Freedom Plan (Cost) in 2025, please refer to our full plan details page.
Medical Associates Freedom Plan (Cost) is a Cost plan offered by Medical Associates Clinic, P.C. available for enrollment in 2025 to people living in Dubuque, Clayton, Delaware, Jackson,Jones Counties. This plan received an overall rating of 4.5 out of 5 stars in 2025.
It's important to know that Medical Associates Freedom Plan (Cost) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Medical Associates Freedom Plan (Cost).
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 Medical Associates Freedom Plan (Cost), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. 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.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
We don't have information on the Maximum Out-Of-Pocket cost for this plan. You can call our licensed insurance specialists by clicking "Call to Enroll" below for more information.
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:
Sign up for Medical Associates Freedom Plan (Cost)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
Prescription drugs are not covered by Medical Associates Freedom Plan (Cost).
Additional Benefits
The Medical Associates Freedom Plan (Cost) offers comprehensive coverage, including no copay for inpatient hospital stays, outpatient services, and ambulance services. It also covers emergency services, primary care, preventive services, dialysis services, medical equipment, diagnostic and radiological services, and home health services, all with no copay. Vision services include routine eye exams with no deductible, and dental services are partially covered. However, the plan does not cover hearing services, and has no copay for hearing and vision services. The plan does not cover certain services such as home infusion, cardiac rehabilitation, and skilled nursing facility services beyond what is covered by Original Medicare. Additionally, the plan has no copay for ambulance services, and covers emergency services with no copay.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, but additional days for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, non-Medicare-covered stays, and upgrades are not covered. There is no copay or coinsurance for covered services.
Outpatient Services See details
Outpatient Services, including all outpatient hospital services, observation services, ambulatory surgical center services, and outpatient blood services, are covered. Outpatient substance abuse services are partially covered, with individual and group sessions not covered.
Partial Hospitalization See details
Partial Hospitalization is covered by the plan.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, but the plan does not cover ground ambulance services, air ambulance services, transportation services to plan-approved health-related locations, or transportation services to any health-related location. All other ambulance services have no copay and no coinsurance.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the Medical Associates Freedom Plan (Cost). There is no copay or coinsurance for Emergency Services and Urgently Needed Services. Worldwide Emergency Services has a $250 deductible, and a 20% coinsurance for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation, up to a maximum of $50,000.
Primary Care See details
The Medical Associates Freedom Plan (Cost) covers Primary Care Physician, Occupational Therapy, Physician Specialist, Podiatry, Other Health Care Professional, Psychiatric, Physical Therapy, Speech-Language Pathology, and Opioid Treatment Program Services. Chiropractic Services, Individual and Group Sessions for Mental Health Specialty Services, Individual and Group Sessions for Psychiatric Services, and Additional Telehealth benefits are not covered, and Routine Chiropractic Care is not covered. The plan has no copay or coinsurance for Occupational Therapy and Physical Therapy and Speech-Language Pathology Services.
Preventive Services See details
Preventive Services are covered by the Medical Associates Freedom Plan, including Medicare-covered services, annual physical exams, kidney disease education services, glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKGs following a Welcome Visit. However, Health Education, In-Home Safety Assessments, Personal Emergency Response Systems, Medical Nutrition Therapy, Post-discharge In-Home Medication Reconciliation, Re-admission Prevention, Wigs for Hair Loss Related to Chemotherapy, Weight Management Programs, Alternative Therapies, Therapeutic Massage, Adult Day Health Services, Nutritional/Dietary Benefits, Home-Based Palliative Care, In-Home Support Services, Support for Caregivers of Enrollees, Additional Sessions of Smoking and Tobacco Cessation Counseling, Fitness Benefits, Enhanced Disease Management, Telemonitoring Services, Remote Access Technologies, Home and Bathroom Safety Devices and Modifications, and Counseling Services are not covered.
Hearing Services See details
Hearing Services are not covered by the Medical Associates Freedom Plan (Cost). Specifically, routine hearing exams, fitting/evaluation for hearing aids, prescription hearing aids (all types, inner ear, outer ear, and over the ear), and OTC hearing aids are not covered.
Vision Services See details
Vision services include routine eye exams with no deductible and one exam covered every year. Eyewear is covered, but contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental Services are partially covered by the Medical Associates Freedom Plan (Cost), though Orthodontic Services, Restorative Services, Adjunctive General Services, Endodontics, Periodontics, Prosthodontics (removable and fixed), Maxillofacial Prosthetics, Implant Services, Oral and Maxillofacial Surgery, and Orthodontics are not covered. The plan does cover Medicare Dental Services.
Home Infusion bundled Services See details
Home Infusion bundled Services are not covered by this plan.
Dialysis Services See details
Dialysis Services are covered by the Medical Associates Freedom Plan (Cost). There is no copay or coinsurance for these services.
Medical Equipment See details
Medical Equipment benefits are covered, with no copay and no coinsurance for Durable Medical Equipment (DME). Prosthetic Devices, Medical Supplies, and Diabetic Equipment are not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, with no copay. However, Diagnostic Procedures/Tests, Lab Services, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services are not covered.
Home Health Services See details
Home Health Services are covered 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 Medical Associates Freedom Plan (Cost). Specifically, Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under Original Medicare, but additional days beyond Medicare coverage and non-Medicare-covered stays are not covered. The plan does not provide Skilled Nursing Facility Services as a supplemental benefit under Part C.
Other Services See details
Other Services are partially covered by the Medical Associates Freedom Plan, but acupuncture, over-the-counter items, 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, and Self-Directed Personal Assistance Services are not covered. Other 1 has a copay between $25 and $500.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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