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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 2026, 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 2026.
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) provides robust coverage for essential medical services with no copay and no coinsurance. This zero-cost sharing applies to inpatient and outpatient hospital care, primary and specialist visits, emergency care, dialysis, home health, and durable medical equipment. Worldwide emergency services are also available, though they require a deductible and twenty percent coinsurance up to a fifty thousand dollar limit. While core medical needs are highly affordable, the plan features significant limitations and exclusions on routine and ancillary benefits. Essential services like ambulance transportation, cardiac rehabilitation, and home infusions are completely excluded from coverage. Additionally, routine dental cleanings, hearing aids, and eyewear are not covered, although basic diagnostic vision and hearing exams are available with no copay.
Inpatient Hospital See details
Medical Associates Freedom Plan (Cost) partially covers inpatient hospital acute and psychiatric care with no copay and no coinsurance. However, additional days, non-Medicare-covered stays, and upgrades are not covered.
Outpatient Services See details
Medical Associates Freedom Plan (Cost) covers outpatient services, including outpatient hospital, ambulatory surgical center, and blood services, with no copay and no coinsurance. While some outpatient substance abuse services are covered, individual and group sessions are not covered.
Partial Hospitalization See details
Medical Associates Freedom Plan (Cost) provides coverage for partial hospitalization services with no copay and no coinsurance.
Ambulance and Transportation Services See details
Ambulance and transportation services are not covered under the Medical Associates Freedom Plan (Cost), as ground ambulance, air ambulance, and health-related transportation services are all excluded from coverage.
Emergency Services See details
Medical Associates Freedom Plan (Cost) covers emergency and urgently needed services with no copay and no coinsurance. Worldwide emergency, urgent, and transportation services are also covered with no copay and a 20% coinsurance after a deductible, up to a maximum plan benefit of $50,000.
Primary Care See details
Primary Care benefits under the Medical Associates Freedom Plan (Cost) are covered with no copay and no coinsurance for primary care, specialist, occupational, physical, speech, opioid treatment, and routine podiatry services (up to 4 visits per year). Telehealth, chiropractic, psychiatric, and mental health specialty services are not covered under these benefits.
Preventive Services See details
Preventive services are partially covered under the Medical Associates Freedom Plan (Cost), with covered options like annual physical exams, kidney disease education, and other preventive screenings requiring no copay and no coinsurance. However, additional preventive benefits are not covered, including fitness benefits, health education, weight management, alternative therapies, therapeutic massage, adult day health, and in-home support services.
Hearing Services See details
Medical Associates Freedom Plan (Cost) offers partially covered hearing exams with no copay, no coinsurance, and no deductible, excluding routine exams and fitting evaluations. While some prescription hearing aid services are covered, no actual models—including inner ear, outer ear, over-the-ear, or over-the-counter hearing aids—are covered in practice.
Vision Services See details
Vision services are partially covered by the Medical Associates Freedom Plan (Cost), which offers one routine eye exam per year with no copay, no coinsurance, and no deductible. Other eye exam services and all eyewear—including contact lenses, eyeglasses, lenses, frames, and upgrades—are not covered.
Dental Services See details
Medical Associates Freedom Plan (Cost) partially covers dental services, offering Medicare-covered dental care with no copay and no coinsurance. Non-Medicare dental services, including oral exams, cleanings, x-rays, fluoride treatments, and orthodontic services, are not covered.
Home Infusion bundled Services See details
Home Infusion bundled services are not covered under the Medical Associates Freedom Plan (Cost), and Medicare Part B drugs—including chemotherapy, radiation, and Part B insulin—are also excluded. While insulin is covered, most other home infusion and Part B drug services are not covered.
Dialysis Services See details
Dialysis services are covered by the Medical Associates Freedom Plan (Cost) with no copay and no coinsurance.
Medical Equipment See details
Medical Associates Freedom Plan (Cost) covers Durable Medical Equipment (DME) with no copay and no coinsurance. While some other medical equipment benefits are technically covered with no copay and no coinsurance, prosthetic devices, medical supplies, diabetic supplies, and diabetic therapeutic shoes or inserts are not covered.
Diagnostic and Radiological Services See details
Medical Associates Freedom Plan (Cost) covers diagnostic and radiological services with no copay and no coinsurance. While some services are covered, diagnostic procedures or 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 under the Medical Associates Freedom Plan (Cost) with no copay and no coinsurance.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the Medical Associates Freedom Plan (Cost), as cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are all not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Medical Associates Freedom Plan (Cost) with no copay and no coinsurance for Medicare-covered days. This coverage requires a prior three-day inpatient hospital stay, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Medical Associates Freedom Plan (Cost) partially covers other services, specifically providing reduced cost sharing for out-of-network benefits with a copay of $25.00 to $1000.00, no coinsurance, and prior authorization requirements. Acupuncture, over-the-counter (OTC) items, and meal benefits are not covered under this plan.
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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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
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