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Medicare Blue Choice Freedom (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Medicare Blue Choice Freedom (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Medicare Blue Choice Freedom (HMO-POS) in 2026, please refer to our full plan details page.
Medicare Blue Choice Freedom (HMO-POS) is a HMO-POS plan offered by Lifetime Healthcare, Inc. available for enrollment in 2025 to people living in Greater Rochester Area. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that Medicare Blue Choice 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 Medicare Blue Choice 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 Medicare Blue Choice 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:
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Drug Coverage
Prescription drugs are not covered by Medicare Blue Choice Freedom (HMO-POS).
Additional Benefits
The Medicare Blue Choice Freedom (HMO-POS) plan offers comprehensive medical coverage featuring a low $5 copay for primary care visits and a $35 copay for specialist consultations. Inpatient hospital stays require a $260 daily copay for the first five days followed by no copay for additional days, while outpatient hospital services carry a $250 copay. Emergency services are covered with a $115 copay, and routine preventive care is fully covered with no copay or coinsurance. Members also benefit from extra perks like no copay for up to 12 one-way health-related transportation trips and a $30 quarterly allowance for over-the-counter items. Dental care is covered with no copay up to a $500 annual limit, while routine eye exams require a $40 copay and hearing aids are available with copays ranging from $499 to $799. Durable medical equipment and dialysis services are covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
Medicare Blue Choice Freedom (HMO-POS) covers inpatient acute and psychiatric hospital stays with no coinsurance and a copay of $260 per day for days 1 through 5, followed by no copay for days 6 through 90. Unlimited additional acute care days are covered with no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Medicare Blue Choice Freedom (HMO-POS) covers outpatient hospital, observation, and ambulatory surgical center services with a $250 copay and no coinsurance, though prior authorization may be required. Outpatient blood services are covered with no copay, no coinsurance, and no deductible, while outpatient substance abuse group and individual sessions are not covered.
Partial Hospitalization See details
Medicare Blue Choice Freedom (HMO-POS) covers partial hospitalization services with no copay and a 20% coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Medicare Blue Choice Freedom (HMO-POS) covers ground and air ambulance services with a $150 copay and no coinsurance, subject to prior authorization. The plan also offers up to 12 one-way transportation trips per year to any health-related location with no copay and no coinsurance.
Emergency Services See details
Emergency services are covered by Medicare Blue Choice Freedom (HMO-POS) with a $115 copay (waived if admitted within 23 hours) and no coinsurance, while urgently needed services require a $50 copay and no coinsurance. Worldwide emergency, urgent, and transportation services are also covered with no coinsurance and copays of $115, $50, and $150 respectively.
Primary Care See details
Medicare Blue Choice Freedom (HMO-POS) covers primary care visits for a $5 copay and specialist, physical therapy, and occupational therapy visits for a $35 copay, with no coinsurance. Chiropractic services are partially covered with a $15 copay and no coinsurance, excluding routine and other chiropractic services, while podiatry is not covered. Some psychiatric and mental health services are covered with no copay and no coinsurance, but individual and group sessions for both are not covered.
Preventive Services See details
Medicare Blue Choice Freedom (HMO-POS) covers preventive services with no copay and no coinsurance, including annual physical exams and kidney disease education. Additional preventive services are partially covered, as memory fitness and remote access technologies are included, while health education, weight management, in-home safety assessments, and personal emergency response systems are not covered.
Hearing Services See details
Hearing services are covered by Medicare Blue Choice Freedom (HMO-POS), offering routine hearing exams for a $35 copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and a copay ranging from $499 to $799, but OTC hearing aids and inner ear, outer ear, or over the ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by Medicare Blue Choice Freedom (HMO-POS), which offers one annual routine eye exam for a $40 copay and no coinsurance, alongside covered eyewear for a $35 copay and no coinsurance. These benefits have no deductibles and include a $200 yearly limit for eyewear, but other eye exams, individual eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Medicare Blue Choice Freedom (HMO-POS) covers dental services, with Medicare-covered dental requiring a $35 copay and no coinsurance, and other covered dental services requiring no copay and no coinsurance up to a $500 annual maximum. Dental benefits are partially covered under this plan, as other diagnostic services, fluoride treatment, other preventive services, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Medicare Blue Choice Freedom (HMO-POS) with no copay and no coinsurance, though prior authorization is required. Under this benefit, Medicare Part B insulin drugs require a $35 copay and no coinsurance, while chemotherapy and other Part B drugs have no copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the Medicare Blue Choice Freedom (HMO-POS) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Medical equipment is covered by Medicare Blue Choice Freedom (HMO-POS), offering durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies from specified manufacturers are available for a $5 copay with no coinsurance, while diabetic therapeutic shoes and inserts have a 20% coinsurance and no copay.
Diagnostic and Radiological Services See details
Medicare Blue Choice Freedom (HMO-POS) covers diagnostic services with a $10 copay and no coinsurance, subject to prior authorization. Covered radiological services also require prior authorization and include a $150 minimum copay for diagnostic radiology, a 20% minimum coinsurance for therapeutic radiology, and a $40 copay plus coinsurance for outpatient X-rays.
Home Health Services See details
Medicare Blue Choice Freedom (HMO-POS) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Medicare Blue Choice Freedom (HMO-POS) partially covers cardiac rehabilitation services with a $15 copay and no coinsurance. Under this plan, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Medicare Blue Choice Freedom (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20, a daily copay of $218 applies for days 21 through 100, and additional days beyond the Medicare-covered period are not covered.
Other Services See details
Other services covered under Medicare Blue Choice Freedom (HMO-POS) include acupuncture with no copay and 50% coinsurance for up to 10 treatments per year. The plan also covers meal benefits for chronic illnesses and over-the-counter items up to $30 every three months, both with no copay and no coinsurance.
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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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