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HealthPartners Freedom Valley (Cost)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthPartners Freedom Valley (Cost). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HealthPartners Freedom Valley (Cost) in 2025, please refer to our full plan details page.
HealthPartners Freedom Valley (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 Valley (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 Valley (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 Valley (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 $4500.00 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 Valley (Cost).
Additional Benefits
The HealthPartners Freedom Valley (Cost) plan offers a variety of benefits with varying cost-sharing. This plan includes coverage for inpatient hospital stays with a copay for the first few days, outpatient services with copays, and ambulance services with copays. Emergency services, primary care, and preventive services are also covered with copays, and the plan offers additional benefits like hearing, vision, and dental services, each with specific copays or coinsurance. This plan also provides coverage for home health services with no copay and Skilled Nursing Facility (SNF) services with a copay for extended stays. Additionally, the plan covers home infusion, dialysis, medical equipment, and diagnostic services, each with specific cost-sharing requirements. However, it's important to note that certain services like cardiac rehabilitation and some dental and vision services are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits include Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, both requiring prior authorization. For days 1-5, there is a $300 copay, and for days 6-90, there is no copay. Additional days for both Inpatient Hospital-Acute and Inpatient Hospital Psychiatric are covered with no copay, while non-Medicare-covered stays and upgrades are not covered.
Outpatient Services See details
Outpatient Services with the HealthPartners Freedom Valley (Cost) plan includes coverage for outpatient hospital services with a $250 copay, observation services with a $200 copay, ambulatory surgical center (ASC) services with a $250 copay, outpatient substance abuse services with a $40 copay for both individual and group sessions, and outpatient blood services.
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 Valley (Cost) plan, with a $200 copay for ground ambulance services and a $350 copay for air ambulance services, and no coinsurance. 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 the HealthPartners Freedom Valley (Cost) plan. Emergency Services have a $140 copay, Urgently Needed Services have a $40 copay, and Worldwide Emergency Coverage has a $140 copay, while Worldwide Urgent Coverage and Worldwide Emergency Transportation have a 20% coinsurance.
Primary Care See details
The HealthPartners Freedom Valley (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, physical therapy and speech-language pathology services with a $40 copay, and opioid treatment program services with a $40 copay. This plan does not cover routine chiropractic care, podiatry services, and additional telehealth benefits.
Preventive Services See details
The HealthPartners Freedom Valley (Cost) plan covers a variety of preventive services, including Medicare-covered services, annual physical exams, and additional preventive services with no copay. The plan also offers benefits for nutritional/dietary services, additional sessions of smoking and tobacco cessation counseling, fitness benefits, Remote Access Technologies, Kidney Disease Education Services, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit. 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, support for caregivers of enrollees, enhanced disease management, telemonitoring services, home and bathroom safety devices and modifications, and counseling services are not covered.
Hearing Services See details
Hearing Services includes routine hearing exams with a $40 copay, fitting/evaluation for hearing aids, and prescription hearing aids with a copay between $499 and $999. 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 are covered, including eye exams with a $40 copay. Eyewear benefits are covered with a combined maximum benefit of $150 every year for contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades.
Dental Services See details
The HealthPartners Freedom Valley (Cost) plan covers dental services with a maximum benefit of $1,000 per year, 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), other preventive dental services (1 visit every three years), restorative services with 20% coinsurance, endodontics with 20% coinsurance, and oral and maxillofacial surgery with 20% - 50% coinsurance; however, some services like prosthodontics, removable, maxillofacial prosthetics, implant services, prosthodontics, fixed, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the HealthPartners Freedom Valley (Cost) plan, with prior authorization required. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis services are covered by the HealthPartners Freedom Valley (Cost) plan. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment is covered by the HealthPartners Freedom Valley (Cost) plan, including Durable Medical Equipment (DME) with a 0% to 20% coinsurance and requiring authorization. Prosthetics/Medical Supplies, including Prosthetic Devices and Medical Supplies, are covered with coinsurance, and Diabetic Equipment is covered with coinsurance and prior authorization. Durable Medical Equipment for use outside the home, and Diabetic Therapeutic Shoes/Inserts are not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, but Lab Services are not covered. Diagnostic Procedures/Tests have a $40 copay, Diagnostic Radiological Services have a $150 copay, Therapeutic Radiological Services have a $60 copay, and Outpatient X-Ray Services have a $35 copay.
Home Health Services See details
Home Health Services are covered with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
HealthPartners Freedom Valley (Cost) does not cover Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the HealthPartners Freedom Valley (Cost) plan. There is no copay for days 1-20, and a $214 copay per day for days 21-100.
Other Services See details
The HealthPartners Freedom Valley (Cost) plan covers acupuncture with a $40 copay, and covers over-the-counter items with a maximum benefit of $25 every three months. Other services include US Emergency Travel Logistics, Travel Counseling, and Treatment at the Scene with a $200 copay; however, 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, and Self-Directed Personal Assistance Services are not covered.
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