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HealthPartners Freedom Plains (Cost)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthPartners Freedom Plains (Cost). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HealthPartners Freedom Plains (Cost) in 2025, please refer to our full plan details page.
HealthPartners Freedom Plains (Cost) is a Cost plan offered by HealthPartners, Inc. available for enrollment in 2025 to people living in Select Counties in ND and SD. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that HealthPartners Freedom Plains (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 HealthPartners Freedom Plains (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 HealthPartners Freedom Plains (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
This plan has a Maximum Out-Of-Pocket cost of $3400.00 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
Prescription drugs are not covered by HealthPartners Freedom Plains (Cost).
Additional Benefits
The HealthPartners Freedom Plains (Cost) plan offers a range of benefits with varying cost structures. Inpatient hospital stays have a $250 copay for the first 5 days, then no copay, while outpatient services have copays ranging from $40 to $150. Emergency services have a $140 copay, and primary care visits have copays between $15 and $40. Preventive, hearing, vision, and dental services are also included. Hearing exams have a $40 copay, vision exams have a $40 copay with $150 annually for eyewear, and dental services have a $1,000 annual maximum. The plan also covers home health services with no copay, and skilled nursing facility stays with no copay for the first 20 days, and a $214 copay per day for days 21-100.
Inpatient Hospital See details
Inpatient Hospital coverage includes Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, both of which have a $250 copay for days 1-5, and no copay for days 6-90. Additional days for both Inpatient Hospital-Acute and Inpatient Hospital Psychiatric are covered with no copay, but Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services, observation services, ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services. Outpatient hospital services, observation services, and ambulatory surgical center services have a $150 copay, while individual and group outpatient substance abuse sessions have a $40 copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the HealthPartners Freedom Plains (Cost) plan. There is no information available about the cost of this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, including Medicare-covered Ground Ambulance Services with a $200 copay, and Medicare-covered Air Ambulance Services with a $350 copay, but Transportation Services to any health-related location are not covered. All ambulance services require prior authorization.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under the HealthPartners Freedom Plains (Cost) plan. Emergency Services have a copay of $140, while Urgently Needed Services have a $40 copay; both have no coinsurance. Worldwide Emergency Services include Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation, all with a 20% coinsurance.
Primary Care See details
The HealthPartners Freedom Plains (Cost) plan covers primary care physician services, chiropractic services with a $15 copay, occupational therapy services with a $40 copay, physician specialist services with a $40 copay, mental health specialty services with a $20-$40 copay, psychiatric services with a $20-$40 copay, physical therapy and speech-language pathology services with a $40 copay, and opioid treatment program services with a $40 copay. Routine chiropractic care, podiatry services, and additional telehealth benefits are not covered.
Preventive Services See details
The HealthPartners Freedom Plains (Cost) plan covers preventive services, including annual physical exams, with additional preventive services that may have a copay. Some preventive services like health education, in-home safety assessments, and others are not covered. The plan also covers nutritional/dietary benefits, additional sessions of smoking and tobacco cessation counseling, and a fitness benefit.
Hearing Services See details
Hearing Services includes hearing exams with a $40 copay, and routine hearing exams with 1 visit per year. Prescription hearing aids are partially covered, with a copay between $499 and $999 for all types of prescription hearing aids, but not for inner ear, outer ear, or over the ear hearing aids. OTC hearing aids are not covered.
Vision Services See details
Vision services include eye exams with a $40 copay, and eyewear coverage, including contact lenses, eyeglasses, eyeglass lenses, eyeglass frames, and upgrades. Eyewear has a combined maximum benefit of $150 every year.
Dental Services See details
Dental services are covered, including oral exams (2 visits per year), dental x-rays (1 per year), other diagnostic dental services (1 per year), prophylaxis (cleaning) (2 per year), fluoride treatment (2 per year), and other preventive dental services (1 visit every three years). Restorative services, endodontics, and oral and maxillofacial surgery are covered with a 20% coinsurance, while adjunctive general services and periodontics have a coinsurance between 0% and 50%. Prosthodontics (removable and fixed), maxillofacial prosthetics, implant services, and orthodontics are not covered. There is a $1,000 annual maximum for dental services.
Home Infusion bundled Services See details
Home Infusion bundled Services, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs, are covered with prior authorization required. Medicare Part B Insulin Drugs have a $35 copay and a coinsurance between 0% and 20%, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered with this plan. There is no copay or coinsurance for this benefit.
Medical Equipment See details
Medical Equipment benefits are covered, including Durable Medical Equipment (DME) with a coinsurance between 0% and 20%, and Prosthetics/Medical Supplies with a coinsurance for Medicare-covered items. Diabetic Equipment is covered, but Diabetic Supplies are not covered, while Diabetic Therapeutic Shoes/Inserts are covered with a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the HealthPartners Freedom Plains (Cost) plan. Diagnostic Procedures/Tests have a copay of $40, while Lab Services are not covered. Diagnostic Radiological Services have a copay of at most $150, Therapeutic Radiological Services have a copay of at most $60, and Outpatient X-Ray Services have a $10 copay.
Home Health Services See details
Home Health Services are covered by the HealthPartners Freedom Plains (Cost) plan 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 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 by the HealthPartners Freedom Plains (Cost) plan. You will have no copay for days 1-20, and a $214 copay per day for days 21-100. Additional days beyond Medicare-covered for SNF and non-Medicare-covered stays for SNF are not covered.
Other Services See details
The HealthPartners Freedom Plains (Cost) plan covers acupuncture with a $40 copay per visit, and over-the-counter (OTC) items with a $25 maximum benefit every three months. Other services covered include US emergency travel logistics, travel counseling, and treatment at the scene with a $200 copay. However, 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.
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