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HealthPartners Freedom Balance WI (Cost)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthPartners Freedom Balance 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 Balance WI (Cost) in 2026, please refer to our full plan details page.
HealthPartners Freedom Balance 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 Balance 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 Balance 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 Balance 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 $4000.00 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 Balance WI (Cost).
Additional Benefits
The HealthPartners Freedom Balance WI (Cost) plan offers robust coverage for essential medical services, often with no coinsurance. Inpatient hospital stays require a $400 copay per stay with no coinsurance, while primary care, specialist, and urgent care visits feature a low $15 copay. Emergency room visits have a $140 copay, which is waived if you are admitted, and ambulance services are covered with a $100 copay. Many vital services are available with no copay and no coinsurance, including preventive care, home health services, skilled nursing facility stays, and dialysis. Diagnostic services and medical equipment are covered with no copay, though coinsurance up to 20% may apply to certain equipment, and radiological services require varying copays starting at $10. Routine dental, routine eyewear, and cardiac rehabilitation are not covered under this plan.
Inpatient Hospital See details
HealthPartners Freedom Balance WI (Cost) covers inpatient acute and psychiatric hospital stays with a $400 copay per stay and no coinsurance, which includes unlimited additional days at no copay. This benefit is partially covered, as upgrades and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by HealthPartners Freedom Balance WI (Cost) with no coinsurance, featuring a $200 copay for ambulatory surgical center and outpatient hospital services, and a $15 copay for outpatient substance abuse sessions. Outpatient blood services are also fully covered with no copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization services are covered by HealthPartners Freedom Balance WI (Cost) with no copay and no coinsurance.
Ambulance and Transportation Services See details
Ambulance services under HealthPartners Freedom Balance WI (Cost) are covered with a $100 copay and no coinsurance for both ground and air transport, although prior authorization is required. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
HealthPartners Freedom Balance WI (Cost) covers emergency services with a $140 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a $15 copay and no coinsurance, while worldwide emergency, urgent, and transportation services have no copay and a 20% coinsurance, with none of these costs counting toward your plan deductible.
Primary Care See details
Primary care benefits under HealthPartners Freedom Balance WI (Cost) are covered with no coinsurance and a $15 copay for primary care, specialist, therapy, and individual psychiatric visits, while group sessions have a $7.50 copay. Podiatry, telehealth, and non-routine chiropractic services are not covered.
Preventive Services See details
Preventive Services under the HealthPartners Freedom Balance WI (Cost) plan are mostly covered with no copay and no coinsurance, including annual physicals, kidney disease education, and routine screenings. Additional benefits are partially covered with no coinsurance, offering fitness benefits and remote access technologies (with a $0 to $15 copay), while services such as health education, in-home safety assessments, and personal emergency response systems are not covered.
Hearing Services See details
HealthPartners Freedom Balance WI (Cost) covers routine hearing exams for a $15 copay and no coinsurance, alongside unlimited fitting evaluations. Prescription hearing aids are partially covered with no coinsurance and a copay ranging from $499 to $999 for up to two devices per year, though OTC hearing aids and inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
HealthPartners Freedom Balance WI (Cost) partially covers vision services, offering one routine eye exam per year for a $15.00 copay and no coinsurance, with no deductible. Other eye exams are not covered, and while some eyewear services are covered with no copay or coinsurance, contact lenses, eyeglasses, lenses, frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by HealthPartners Freedom Balance WI (Cost), with Medicare-covered dental services requiring no copay and no coinsurance. Other dental services are not covered under this plan, including oral exams, cleanings, x-rays, fluoride, restorative services, and orthodontics.
Home Infusion bundled Services See details
Home infusion bundled services are covered under the HealthPartners Freedom Balance WI (Cost) plan with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy and other drugs have no copay and no coinsurance to 20% coinsurance, while insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
HealthPartners Freedom Balance WI (Cost) covers dialysis services with no copay and no coinsurance. This coverage ensures you can receive necessary kidney dialysis treatments with zero cost-sharing under the plan.
Medical Equipment See details
HealthPartners Freedom Balance WI (Cost) covers medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic equipment, with no copay and prior authorization required. Coinsurance for these items ranges from no coinsurance to 20%, with prosthetic devices and diabetic supplies carrying a flat 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are partially covered by HealthPartners Freedom Balance WI (Cost) with prior authorization required and no coinsurance. Covered diagnostic services have no copay, though diagnostic procedures, tests, and lab services are not covered; radiological services require copayments of $10 for outpatient X-rays, a minimum of $60 for therapeutic radiology, and a minimum of $200 for diagnostic radiology.
Home Health Services See details
Home Health Services are covered by HealthPartners Freedom Balance WI (Cost) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the HealthPartners Freedom Balance WI (Cost) plan, as Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD Services are all excluded from coverage.
Skilled Nursing Facility (SNF) See details
HealthPartners Freedom Balance WI (Cost) covers Skilled Nursing Facility (SNF) services with no copay and no coinsurance, although prior authorization and a three-day inpatient hospital stay are required. This coverage also includes additional days beyond the standard Medicare-covered limit.
Other Services See details
HealthPartners Freedom Balance WI (Cost) partially covers other services, offering acupuncture for a $15 copay and no coinsurance 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 $100 copay and no coinsurance. Over-the-counter (OTC) items and meal benefits are not covered under this plan.
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