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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 JoDaviess County. 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 coverage for a range of services including emergency care, primary care, preventive services, home health, and dialysis services, often with no copay. This plan provides coverage for ambulance services without a copay, as well as some vision and dental services. However, this plan has some significant limitations. It does not cover inpatient hospital services, hearing services, diagnostic and radiological services, or certain types of outpatient services.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, but additional days, non-Medicare-covered stays, and upgrades for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric are not covered. The cost for Inpatient Hospital services is not specified.
Outpatient Services See details
Outpatient Services are covered, including all outpatient hospital services, observation services, ambulatory surgical center services, and outpatient blood services. 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 by the Medical Associates Freedom Plan (Cost), but the plan does not cover ground ambulance services, air ambulance services, or any transportation services. All ambulance services have no copay and no coinsurance.
Emergency Services See details
Emergency Services, Urgently Needed Services, Worldwide Emergency Services, Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation are all covered with no copay and no coinsurance under the Medical Associates Freedom Plan (Cost).
Primary Care See details
The Medical Associates Freedom Plan (Cost) covers primary care physician services, occupational therapy, physician specialist services, podiatry services, other health care professional services, physical therapy, speech-language pathology services, and opioid treatment program services with no copay and no coinsurance for occupational therapy and physical therapy/speech-language pathology 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.
Preventive Services See details
The Medical Associates Freedom Plan (Cost) covers preventive services, including Medicare-covered services, annual physical exams, kidney disease education, glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKGs following a Welcome Visit, with no copay or coinsurance. The plan does not cover 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, or counseling services.
Hearing Services See details
Hearing Services are not covered under the Medical Associates Freedom Plan (Cost). All sub-services, including hearing exams, prescription hearing aids, and OTC hearing aids, are not covered.
Vision Services See details
Vision Services include routine eye exams, with one exam covered every year. Eyewear is partially 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), with Medicare Dental Services covered, while 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.
Home Infusion bundled Services See details
Home Infusion bundled Services are not covered by this plan.
Dialysis Services See details
Dialysis Services are covered with this plan. There is no additional information about the cost of these services.
Medical Equipment See details
Medical Equipment is covered with no copay and no coinsurance for Durable Medical Equipment (DME) and Prosthetics/Medical Supplies - Non-Medicare benefit. However, Durable Medical Equipment for use outside the home, Prosthetic Devices, Medical Supplies, Diabetic Supplies, and Diabetic Therapeutic Shoes/Inserts are not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are not covered by the Medical Associates Freedom Plan (Cost). The plan does not cover any diagnostic services, including procedures/tests and lab services, nor does it cover any radiological services, including diagnostic and therapeutic radiological services and outpatient X-ray services.
Home Health Services See details
Home Health Services are covered by the Medical Associates Freedom Plan (Cost) 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 technically covered, but the plan does not cover Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under Original Medicare, but this plan does not offer any additional coverage. Additional days beyond Medicare-covered for SNF and non-Medicare-covered stays for SNF are not covered.
Other Services See details
Other Services are partially covered, but acupuncture, over-the-counter items, meal benefits, 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 services are covered with 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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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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