A non-government entity
Univera Medicare Freedom (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Univera Medicare Freedom (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Univera Medicare Freedom (HMO-POS) in 2025, please refer to our full plan details page.
Univera Medicare Freedom (HMO-POS) is a HMO-POS plan offered by Lifetime Healthcare, Inc. available for enrollment in 2025 to people living in Western New York. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that Univera Medicare Freedom (HMO-POS) 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 Univera Medicare Freedom (HMO-POS).
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 Univera Medicare Freedom (HMO-POS), 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. Additionally, this plan comes with a Part B Premium reduction of $35.00. You must continue to pay paying your reduced 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:
Sign up for Univera Medicare Freedom (HMO-POS)
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 Univera Medicare Freedom (HMO-POS).
Additional Benefits
The Univera Medicare Freedom (HMO-POS) plan provides coverage for a wide range of healthcare services. This plan includes coverage for inpatient hospital stays with a copay, outpatient services, and emergency services. This plan offers additional benefits, such as coverage for primary care visits with a $5 copay, hearing and vision services, and dental services, with varying copays and coinsurance. The plan also covers durable medical equipment, diagnostic services, and home health services.
Inpatient Hospital See details
The Univera Medicare Freedom (HMO-POS) plan covers inpatient hospital stays, including acute and psychiatric care. For days 1-5, there is a $260 copay, and for days 6-90, there is no copay.
Outpatient Services See details
Outpatient Services, including outpatient hospital services, observation services, and ambulatory surgical center services, are covered with a $250 copay. Outpatient substance abuse services are not covered.
Partial Hospitalization See details
Partial hospitalization is covered, but requires prior authorization. You will pay 20% coinsurance for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required for all ambulance services. Ground and air ambulance services have a copay of $150.00. Transportation services to any health-related location are covered for up to 12 one-way trips per year, using bus/subway, medical transport, or other methods, while transportation services to plan-approved health-related locations are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the Univera Medicare Freedom (HMO-POS) plan. Emergency Services and Worldwide Emergency Coverage have a $110 copay, Urgently Needed Services has a $50 copay, and Worldwide Emergency Transportation has a $150 copay; all of these services have no coinsurance. Worldwide Urgent Coverage has a $50 copay and no coinsurance.
Primary Care See details
The Univera Medicare Freedom (HMO-POS) plan covers primary care physician services with a $5 copay, chiropractic services with a $15 copay, occupational therapy with a $35 copay, and specialist services with a $35 copay. Physical therapy and speech-language pathology services have a $35 copay, while additional telehealth benefits have a 20% coinsurance and a copay between $0 and $35. Other health care professional services and opioid treatment program services are covered with a 50% and a 20% coinsurance, respectively. However, routine chiropractic care, individual and group mental health sessions, individual and group psychiatric sessions, and podiatry services are not covered.
Preventive Services See details
The Univera Medicare Freedom (HMO-POS) plan covers preventive services, including Medicare-covered services with prior authorization, annual physical exams, health education, fitness benefits, enhanced disease management, remote access technologies, kidney disease education services, glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following a Welcome Visit. However, in-home safety assessment, 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, nutritional/dietary benefits, home-based palliative care, in-home support services, support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, telemonitoring services, home and bathroom safety devices and modifications, and counseling services are not covered.
Hearing Services See details
Hearing services include routine hearing exams with a $35 copay, fitting/evaluation for hearing aids, and prescription hearing aids (all types) with a copay between $499 and $799. 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
The Univera Medicare Freedom (HMO-POS) plan covers vision services, including routine eye exams with no copay and a yearly allowance of one exam. Eyewear has a $35 copay for contact lenses, and eyeglasses (lenses and frames) are covered, with a combined maximum plan benefit coverage of $250 every year. Eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services include Medicare dental services with a $35 copay, oral exams, dental x-rays, prophylaxis (cleaning), restorative services, adjunctive general services, endodontics, prosthodontics (removable and fixed), and oral and maxillofacial surgery. Fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered. Orthodontic services have a maximum benefit of $1,000 per year.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, with prior authorization required. Medicare Part B Insulin Drugs have a $35 copay. 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 under the Univera Medicare Freedom (HMO-POS) plan. You will pay 20% coinsurance for these services.
Medical Equipment See details
The Univera Medicare Freedom (HMO-POS) plan covers Durable Medical Equipment (DME) with 20% coinsurance and requires authorization, while Prosthetic Devices are covered with 20% coinsurance, and Medical Supplies have a 20% coinsurance. Diabetic Supplies have a $5 copay, and Diabetic Therapeutic Shoes/Inserts have 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered. Diagnostic Procedures/Tests and Lab Services have a $10 copay, while Diagnostic Radiological Services have a copay of at least $150.00, and Outpatient X-Ray Services have a $40 copay. Therapeutic Radiological Services have a coinsurance of at least 20%.
Home Health Services See details
Home Health Services are covered by the Univera Medicare Freedom (HMO-POS) 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 Univera Medicare Freedom (HMO-POS) plan. This includes Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Univera Medicare Freedom (HMO-POS) plan, but require prior authorization. There is no copay for days 1-20, and a $214 copay for days 21-100; this plan does not cover additional days beyond Medicare coverage for SNF or non-Medicare-covered stays.
Other Services See details
The Univera Medicare Freedom (HMO-POS) plan covers acupuncture with a 50% coinsurance up to 10 treatments per year. Over-the-counter (OTC) items are covered up to $50 every three months, and the plan offers a meal benefit for a chronic illness. However, services such as Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, and others are not covered.
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