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HealthPartners Freedom Basic WI (Cost)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthPartners Freedom Basic WI (Cost). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HealthPartners Freedom Basic WI (Cost) in 2025, please refer to our full plan details page.
HealthPartners Freedom Basic WI (Cost) is a Cost plan offered by HealthPartners, Inc. available for enrollment in 2025 to people living in Select Counties in Western WI. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that HealthPartners Freedom Basic WI (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 Basic WI (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 Basic WI (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 HealthPartners Freedom Basic WI (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 HealthPartners Freedom Basic WI (Cost).
Additional Benefits
The HealthPartners Freedom Basic WI (Cost) plan provides coverage for a variety of services with varying cost-sharing structures. Inpatient hospital stays have a $600 copay, while outpatient services, including substance abuse and blood services, typically involve a 20% coinsurance. Emergency services have a $100 copay, but ambulance services have no copay, and other services like home health and preventive services may have no copay. The plan also covers a range of other services, including primary care, hearing and vision services, and dental, with specific coinsurance rates applying. Additional benefits include home infusion, dialysis, medical equipment, and diagnostic services, all with their own coinsurance requirements. However, certain services like cardiac rehabilitation, routine hearing and vision exams, and specific dental procedures are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, both with a $600 copay for a Medicare-covered stay. Additional days for both Inpatient Hospital-Acute and Inpatient Hospital Psychiatric are covered with no copay. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute and Non-Medicare-covered stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for Outpatient Hospital Services with a 20% coinsurance, Observation Services, Ambulatory Surgical Center (ASC) Services with a 20% coinsurance, Outpatient Substance Abuse Services which includes both Individual Sessions and Group Sessions, both with a 20% coinsurance, and Outpatient Blood Services with a 20% coinsurance. Outpatient Blood Services also waives the three-pint deductible.
Partial Hospitalization See details
Partial Hospitalization is covered with a 20% coinsurance.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with no copay for all ambulance services. Ground and air ambulance services have a 20% coinsurance, while transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Transportation are covered. Emergency Services have a $100 copay, while Urgently Needed Services have a 20% coinsurance. Worldwide Emergency Coverage and Worldwide Urgent Coverage are not covered.
Primary Care See details
The HealthPartners Freedom Basic WI (Cost) plan covers primary care physician services, chiropractic services, occupational therapy services, physician specialist services, mental health specialty services, other health care professional services, psychiatric services, physical therapy, speech-language pathology services, and opioid treatment program services. Primary care physician services, chiropractic services, physician specialist services, and physical therapy and speech-language pathology services have a 20% coinsurance, and occupational therapy services, mental health specialty services, other health care professional services, psychiatric services, and opioid treatment program services have a 20% coinsurance. Routine chiropractic care and additional telehealth benefits are not covered, and podiatry services are not covered.
Preventive Services See details
Preventive services are covered, but annual physical exams, health education, and several other services are not covered. Medicare-covered preventive services, kidney disease education services, glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, EKG following Welcome Visit, and remote access technologies have no copay and a coinsurance between 0% and 20%.
Hearing Services See details
Hearing services are partially covered by the HealthPartners Freedom Basic WI (Cost) plan. Hearing exams have a coinsurance of at most 20%, but routine hearing exams and fitting/evaluation for hearing aids are not covered, while prescription hearing aids and OTC hearing aids are also not covered.
Vision Services See details
Vision Services offers coverage for eye exams with a 20% coinsurance, but routine eye exams are not covered. Eyewear is not covered.
Dental Services See details
Dental Services are covered, with a 20% coinsurance for Medicare Dental Services; however, 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 covered, with prior authorization required. For Medicare Part B Insulin Drugs, you will pay a $35 copay and 0-20% coinsurance. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, you will pay 0-20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the HealthPartners Freedom Basic WI (Cost) plan. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment is covered by the HealthPartners Freedom Basic WI (Cost) plan. Durable Medical Equipment (DME) has a 20% coinsurance and requires authorization, but Durable Medical Equipment for use outside the home is not covered. Prosthetics and Medical Supplies have a 20% coinsurance, and Diabetic Equipment, including Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts, has a 20% coinsurance and requires prior authorization.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered under this plan, but Diagnostic Procedures/Tests and Lab Services are not covered. Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services all have a coinsurance of at most 20%, and there is no copay.
Home Health Services See details
Home Health Services are covered by the HealthPartners Freedom Basic WI (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 not covered by the HealthPartners Freedom Basic WI (Cost) plan. No copay or coinsurance is required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under Original Medicare, but additional days beyond Medicare coverage and non-Medicare-covered stays are not covered. This plan does not provide Skilled Nursing Facility Services as a supplemental benefit under Part C, and does not allow less than a 3-day inpatient hospital stay prior to SNF admission.
Other Services See details
The HealthPartners Freedom Basic WI (Cost) plan does not cover acupuncture, over-the-counter items, meal benefits, Dual Eligible SNPs with Highly Integrated Services, 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, or Self-Directed Personal Assistance Services. The plan covers Other 1 services, including US Emergency Travel Logistics, and Other 2 services with 20% coinsurance for Treatment at the Scene.
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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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