A non-government entity
HealthPartners Freedom Vital WI (Cost)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthPartners Freedom Vital 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 Vital WI (Cost) in 2026, please refer to our full plan details page.
HealthPartners Freedom Vital 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 2026.
It's important to know that HealthPartners Freedom Vital 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 Vital 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 Vital 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
This plan has a Maximum Out-Of-Pocket cost of $5000.00 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:
Sign up for HealthPartners Freedom Vital 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 Vital WI (Cost).
Additional Benefits
The HealthPartners Freedom Vital WI (Cost) plan offers robust medical coverage with no copay or coinsurance for preventive services, home health care, dialysis, and partial hospitalization. For doctor visits, you will pay a low $15 copay for primary care and a $40 copay for specialists, physical therapy, and routine hearing and vision exams. If you require an inpatient hospital stay, you will pay a $350 daily copay for days one through four, with no copay for day five and beyond. For urgent and emergency needs, the plan features a $40 urgent care copay and a $140 emergency room copay, alongside a $200 copay for ground ambulance services. While diagnostic tests, skilled nursing facility stays, and Medicare-covered dental care feature no copay, other benefits like durable medical equipment and Part B drugs may require up to 20% coinsurance. It is important to note that this plan does not cover routine dental services, non-emergency transportation, or cardiac rehabilitation.
Inpatient Hospital See details
HealthPartners Freedom Vital WI (Cost) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $350 daily copay for days 1 through 4 and no copay for days 5 and beyond. This benefit is partially covered because upgrades and non-Medicare-covered stays are not covered, and prior authorization is required for acute stays.
Outpatient Services See details
HealthPartners Freedom Vital WI (Cost) covers outpatient hospital and ambulatory surgical center services with a $250 copay and no coinsurance, though prior authorization is required. Outpatient substance abuse services are covered with a $40 copay and no coinsurance, while outpatient blood services are available with no copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by HealthPartners Freedom Vital WI (Cost) with no copay and no coinsurance.
Ambulance and Transportation Services See details
HealthPartners Freedom Vital WI (Cost) covers ground ambulance services with a $200 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, both requiring prior authorization. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
HealthPartners Freedom Vital WI (Cost) covers emergency services with a $140 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours, and urgent care with a $40 copay and no coinsurance. Worldwide emergency, urgent, and transportation services are also covered with no copay and a 20% coinsurance.
Primary Care See details
HealthPartners Freedom Vital WI (Cost) covers primary care physician services with a $15 copay and no coinsurance, while specialist visits, physical therapy, and occupational therapy require a $40 copay and no coinsurance. Mental health, psychiatric, and opioid treatment services feature no coinsurance and copays ranging from $20 to $40, though chiropractic, podiatry, and telehealth benefits are not covered.
Preventive Services See details
HealthPartners Freedom Vital WI (Cost) covers preventive services, including annual physical exams, kidney disease education, and routine screenings, with no copay and no coinsurance. While fitness benefits and remote access technologies (with a $0 to $40 copay) are included, several additional services like health education, in-home safety assessments, and weight management programs are not covered.
Hearing Services See details
Hearing services under HealthPartners Freedom Vital WI (Cost) are partially covered, featuring routine hearing exams with a $40 copay and no coinsurance, and up to two prescription hearing aids per year with copays ranging from $499.00 to $999.00 and no coinsurance. No deductibles apply to these services, but over-the-counter (OTC) hearing aids and inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered under the HealthPartners Freedom Vital WI (Cost) plan, offering one routine eye exam per year with no deductible, a $40 copay, and no coinsurance, while other eye exam services are not covered. For eyewear, some services are covered with no deductible, no copay, and no coinsurance, but contact lenses, eyeglasses, lenses, frames, and upgrades are not covered.
Dental Services See details
HealthPartners Freedom Vital WI (Cost) partially covers dental services, offering Medicare-covered dental care with no copay and no coinsurance. Routine and comprehensive dental services, including oral exams, cleanings, x-rays, fluoride, restorative services, endodontics, periodontics, prosthodontics, implants, and orthodontics, are not covered.
Home Infusion bundled Services See details
HealthPartners Freedom Vital WI (Cost) covers home infusion bundled services with no copay, though prior authorization is required. Under this benefit, Medicare Part B insulin drugs require a $35 copay and coinsurance ranging from no coinsurance to 20%, while chemotherapy, radiation, and other Part B drugs have no copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered by HealthPartners Freedom Vital WI (Cost) with no copay and no coinsurance.
Medical Equipment See details
HealthPartners Freedom Vital WI (Cost) covers medical equipment, including durable medical equipment, prosthetics, and diabetic supplies, with no copay and coinsurance ranging from no coinsurance to 20%. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
HealthPartners Freedom Vital WI (Cost) covers diagnostic procedures and tests with no copay or coinsurance, though lab services are not covered. Outpatient x-rays require a $10 copay, while diagnostic and therapeutic radiological services incur a 20% coinsurance plus copayments (including a $60 copay for therapeutic services), with prior authorization required.
Home Health Services See details
HealthPartners Freedom Vital WI (Cost) covers Home Health Services with no copay and no coinsurance. Prior authorization is required to access this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the HealthPartners Freedom Vital WI (Cost) plan, meaning there is no copay and no coinsurance because cardiac, intensive cardiac, pulmonary, and SET for PAD services are all not covered.
Skilled Nursing Facility (SNF) See details
HealthPartners Freedom Vital WI (Cost) partially covers Skilled Nursing Facility (SNF) services with no copay and no coinsurance, requiring prior authorization and a prior three-day inpatient hospital stay. Additional days beyond those covered by Medicare are not covered.
Other Services See details
HealthPartners Freedom Vital WI (Cost) partially covers other services, offering acupuncture with a $40 copay and no coinsurance for up to 20 treatments per year, emergency travel logistics and travel counseling with no copay and no coinsurance, and treatment at the scene for a $200 copay and no coinsurance. Over-the-counter items and meal benefits are not covered under this plan.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
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.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved