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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 JoDaviess County. 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) offers robust coverage with no copay and no coinsurance for a wide range of essential medical services. Members can access inpatient and outpatient hospital stays, emergency services, primary care, specialist visits, and physical therapy with zero out-of-pocket costs for copays or coinsurance. Additionally, critical services like dialysis, home health care, and durable medical equipment are covered with no copay and no coinsurance. While many preventive, vision, hearing, and dental services are partially covered with no copays, deductibles, or coinsurance, routine care like dental cleanings, hearing aids, and eyewear are not included. Out-of-network benefits are available but require prior authorization and carry a copay ranging from $25.00 to $1000.00 with no coinsurance. This plan is designed to minimize your healthcare expenses by eliminating copays and coinsurance for the vast majority of covered medical services.
Inpatient Hospital See details
Inpatient Hospital benefits under the Medical Associates Freedom Plan (Cost) are covered with no copay and no coinsurance for acute and psychiatric stays. However, additional days, non-Medicare-covered stays, and hospital upgrades are not covered.
Outpatient Services See details
Medical Associates Freedom Plan (Cost) covers outpatient hospital, ambulatory surgical center, and outpatient blood services with no copay and no coinsurance. While some outpatient substance abuse services are covered with no copay or coinsurance, individual and group sessions are not covered.
Partial Hospitalization See details
Partial hospitalization services are covered under the Medical Associates Freedom Plan (Cost) with no copay and no coinsurance.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the Medical Associates Freedom Plan (Cost) with no copay and no coinsurance. While some services are covered, ground ambulance, air ambulance, and transportation to plan-approved or any health-related locations are not covered.
Emergency Services See details
Emergency services are covered under the Medical Associates Freedom Plan (Cost) with no copay and no coinsurance. This comprehensive benefit also includes urgently needed services and worldwide emergency care, urgent care, and emergency transportation with no copays or coinsurance.
Primary Care See details
Medical Associates Freedom Plan (Cost) provides primary care, specialist, occupational therapy, physical and speech therapy, podiatry (up to 4 routine visits per year), and opioid treatment with no copay and no coinsurance. For chiropractic, mental health, and psychiatric benefits, some services are covered with no copay and no coinsurance, but routine chiropractic, other chiropractic services, and individual or group sessions are not covered. Additional telehealth benefits are not covered.
Preventive Services See details
Medical Associates Freedom Plan (Cost) partially covers preventive services, providing annual physical exams, kidney disease education, and screenings with no copay and no coinsurance. However, additional preventive services such as fitness benefits, health education, weight management programs, alternative therapies, and personal emergency response systems are not covered.
Hearing Services See details
Medical Associates Freedom Plan (Cost) provides partial coverage for hearing services, offering diagnostic hearing exams with no copay, no coinsurance, and no deductible. Routine hearing exams, hearing aid fittings and evaluations, and all prescription and over-the-counter hearing aids are not covered.
Vision Services See details
Vision Services under the Medical Associates Freedom Plan (Cost) are partially covered, offering one routine eye exam per year with no copay, no coinsurance, and no deductible, while other eye exams are not covered. For eyewear, some services are covered with no copay and no coinsurance, but contact lenses, eyeglass lenses, frames, and upgrades are not covered.
Dental Services See details
Medical Associates Freedom Plan (Cost) partially covers dental services, providing Medicare-covered dental care with no copay and no coinsurance. Routine and comprehensive dental services are not covered, including oral exams, cleanings, dental x-rays, fluoride treatments, restorative services, endodontics, periodontics, prosthodontics, implants, and oral surgery.
Home Infusion bundled Services See details
Home Infusion bundled Services are not covered under the Medical Associates Freedom Plan (Cost), with the exception of insulin which is covered, while Medicare Part B insulin, chemotherapy, radiation, and other Part B drugs 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. However, prosthetic devices, medical supplies, diabetic supplies, and diabetic therapeutic shoes or inserts are not covered.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the Medical Associates Freedom Plan (Cost) with no copay and no coinsurance, though some services are not covered. Specifically, diagnostic procedures, lab services, diagnostic and 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
Medical Associates Freedom Plan (Cost) covers Cardiac Rehabilitation Services with no copay and no coinsurance. While some services are covered, 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 partially covered by the Medical Associates Freedom Plan (Cost) with no copay and no coinsurance, adhering to Original Medicare rules that require a prior three-day inpatient hospital stay. Additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by the Medical Associates Freedom Plan (Cost), excluding acupuncture, over-the-counter items, and meal benefits. The plan covers reduced cost-sharing for out-of-network benefits with a copay ranging from $25.00 to $1000.00, no coinsurance, and required prior authorization.
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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