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HealthPartners Freedom Prairie (Cost)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthPartners Freedom Prairie (Cost). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HealthPartners Freedom Prairie (Cost) in 2025, please refer to our full plan details page.
HealthPartners Freedom Prairie (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 Prairie (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 Prairie (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 Prairie (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 $3000.00 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 Prairie (Cost).
Additional Benefits
The HealthPartners Freedom Prairie (Cost) plan offers a range of benefits, including coverage for inpatient and outpatient services, with varying copays. This plan covers primary care, preventive services, and home health services with no copay, as well as some hearing, vision, and dental services. This plan provides coverage for ambulance services with a $100 copay, and emergency services with a $140 copay. The plan also includes coverage for medical equipment, diagnostic and radiological services, and skilled nursing facility stays, with specific copayments and coinsurance amounts depending on the service.
Inpatient Hospital See details
Inpatient Hospital services, including acute and psychiatric care, are covered, with a $200 copay for Medicare-covered stays. Additional days for both acute and psychiatric inpatient hospital care are covered with no copay. Non-Medicare-covered stays and upgrades for inpatient hospital care are not covered.
Outpatient Services See details
Outpatient Services, including all outpatient hospital services, are covered by HealthPartners Freedom Prairie (Cost). Outpatient Hospital Services and Ambulatory Surgical Center (ASC) Services have a $150 copay, while Observation Services have a $100 copay. Outpatient Substance Abuse Services have a $15 copay for both individual and group sessions. Outpatient Blood Services are also covered.
Partial Hospitalization See details
Partial Hospitalization is covered by this plan.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the HealthPartners Freedom Prairie (Cost) plan. Ground and air ambulance services have a $100 copay with no coinsurance, while transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by HealthPartners Freedom Prairie (Cost). Emergency Services have a $140 copay, and Urgently Needed Services have a $25 copay, while Worldwide Emergency Services have a 20% coinsurance for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation.
Primary Care See details
The HealthPartners Freedom Prairie (Cost) plan covers primary care physician, chiropractic, occupational therapy, physician specialist, mental health specialty, other health care professional, psychiatric, physical therapy and speech-language pathology, and opioid treatment program services. Chiropractic services have a $15 copay, while occupational therapy services have a $15 copay with no coinsurance. Physician specialist services have a $15 copay. Mental health specialty services have a $15 copay for individual sessions and a $7.50 copay for group sessions. Other health care professional services have a copay between $0 and $15. Psychiatric services have a $15 copay for individual sessions and a $7.50 copay for group sessions. Physical therapy and speech-language pathology services have a $15 copay with no coinsurance. Opioid treatment program services have a $15 copay. Routine chiropractic care and additional telehealth benefits are not covered.
Preventive Services See details
The HealthPartners Freedom Prairie (Cost) plan covers preventive services, including Medicare-covered services with no copay. Additional preventive services are covered, including Remote Access Technologies with a copay between $0 and $15, and 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, home-based palliative care, in-home support services, or support for caregivers.
Hearing Services See details
Hearing Services include hearing exams with a $15 copay, and routine hearing exams covered once per year, and fitting/evaluation for hearing aids covered with no copay. Prescription hearing aids are covered with a copay between $499 and $999, for 2 hearing aids per year; however, prescription hearing aids for the inner ear, outer ear, and over the ear are not covered, and OTC hearing aids are not covered.
Vision Services See details
Vision services include coverage for eye exams with a $15 copay, as well as coverage for eyewear, contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades. The plan offers a combined maximum benefit of $200 per year for eyewear.
Dental Services See details
The HealthPartners Freedom Prairie (Cost) plan offers a $1,000 annual maximum for dental services. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, and other preventive dental services are covered. Restorative services, endodontics, and oral and maxillofacial surgery are covered with 20% coinsurance, while adjunctive general services and periodontics have a coinsurance of 20% to 50%. Prosthodontics (removable and fixed), maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, and prior authorization is 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 by the HealthPartners Freedom Prairie (Cost) plan. There is no information about the cost of services.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with a coinsurance of 0% to 20%, and Prosthetics/Medical Supplies with a coinsurance on Medicare-covered items, while Durable Medical Equipment for use outside the home, and Diabetic Supplies are not covered. Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, with prior authorization required. Diagnostic Procedures/Tests have a $30 copay, Therapeutic Radiological Services have a $20 copay, and Outpatient X-Ray Services have a $10 copay; however, Lab Services and Diagnostic Radiological Services are not covered.
Home Health Services See details
Home Health Services are covered under the HealthPartners Freedom Prairie (Cost) plan with no copay or coinsurance, however, additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the HealthPartners Freedom Prairie (Cost) plan. 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, with 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 Prairie (Cost) plan covers acupuncture with a $15 copay, up to 20 treatments per year, and also covers over-the-counter items, offering a maximum benefit of $25 every three months. Additionally, this plan covers traveling counseling/treatment at the scene with a copay between $0 and $100.
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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