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Generations Classic Rewards (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Generations Classic Rewards (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Generations Classic Rewards (HMO) in 2026, please refer to our full plan details page.
Generations Classic Rewards (HMO) is a HMO plan offered by MHH Healthcare, L.P. available for enrollment in 2025 to people living in Oklahoma (Partial). This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that Generations Classic Rewards (HMO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Generations Classic Rewards (HMO).
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 Generations Classic Rewards (HMO), 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 $45.00. 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.
This plan has no drug deductible. Your prescription medication coverage will start immediately.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $3900.00 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
The Generations Classic Rewards (HMO) plan features a $0 drug deductible, meaning your prescription coverage begins immediately. For Tier 1 preferred generics, you will pay no copay for a 1-month or 3-month supply at preferred pharmacies and through preferred mail order, while standard pharmacies charge a $6 copay for a 1-month supply. Tier 2 generic drugs cost an $8 copay for a 1-month supply at preferred locations, but there is no copay if you opt for a 3-month supply. Tier 3 preferred brand drugs carry a $41 copay for a 1-month supply at preferred pharmacies, compared to a $47 copay at standard pharmacies. Higher-tier medications require coinsurance, with Tier 4 non-preferred drugs costing 40% coinsurance at preferred locations and Tier 5 specialty drugs requiring 33% coinsurance at both preferred and standard pharmacies. Utilizing preferred pharmacies and preferred mail-order services offers the most cost-effective prescription drug savings under this plan.
Additional Benefits
The Generations Classic Rewards (HMO) plan offers robust medical coverage featuring no copay for primary care visits, telehealth services, and annual preventive physical exams. Specialist consultations require a copay of $20 to $40, while inpatient hospital stays carry a $325 daily copay for the first seven days and no copay for days eight through ninety. Emergency room visits require a $90 copay, which is waived if you are admitted, and outpatient hospital services feature copays ranging from $20 to $320 with no coinsurance. This plan also provides valuable extra benefits, including routine dental care up to $1,500 and prescription hearing aids up to $1,000 annually with no copay. Additionally, members receive a $200 annual eyewear allowance and up to 24 one-way transportation trips per year to approved locations at no cost. Skilled nursing facility stays feature no copay for the first 20 days, while durable medical equipment and select Part B drugs require a 20% coinsurance.
Inpatient Hospital See details
Generations Classic Rewards (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $325 daily copay for days 1 through 7 and no copay for days 8 through 90. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Generations Classic Rewards (HMO) covers outpatient hospital services with copays ranging from $20 to $320, observation services with a $300 copay per stay, and ambulatory surgical center services with a $250 copay, all with no coinsurance. Outpatient blood services are covered with no copay or coinsurance, and while some outpatient substance abuse services are covered with no copay or coinsurance, individual and group sessions are not covered. Prior authorization and referrals are required for these outpatient services.
Partial Hospitalization See details
Partial hospitalization is covered under the Generations Classic Rewards (HMO) plan with a $40.00 copay and no coinsurance. Prior authorization and a referral are required to access these services.
Ambulance and Transportation Services See details
Generations Classic Rewards (HMO) covers ground ambulance services with a $250 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, with both fees waived if you are admitted. Transportation services are partially covered, offering up to 24 one-way trips per year to plan-approved locations with no copay and no coinsurance, while trips to any other health-related locations are not covered.
Emergency Services See details
Generations Classic Rewards (HMO) covers emergency services with a $90 copay—waived if admitted to the hospital within 24 hours—and urgently needed services with a $25 copay, both with no coinsurance. Worldwide emergency and urgent care are covered with a $90 copay and no coinsurance up to a $50,000 maximum benefit, though worldwide emergency transportation is not covered.
Primary Care See details
Generations Classic Rewards (HMO) covers primary care, telehealth, and opioid treatment with no copay and no coinsurance, while specialists, occupational, physical, and speech therapies require a $20 to $40 copay and no coinsurance. Podiatry is not covered, and while some chiropractic, mental health, and psychiatric services are covered, routine chiropractic care, individual sessions, and group sessions are not covered.
Preventive Services See details
Preventive Services are partially covered by Generations Classic Rewards (HMO) with no copay and no coinsurance for covered benefits such as annual physical exams and kidney disease education. However, the plan does not cover health education, in-home safety assessments, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, caregiver support, additional smoking cessation, disease management, telemonitoring, home safety modifications, or counseling.
Hearing Services See details
Hearing services are partially covered by Generations Classic Rewards (HMO), offering no copay and no coinsurance for routine hearing exams and fitting evaluations once per year. Prescription hearing aids are covered up to $1,000 annually with no copay and no coinsurance, though OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Generations Classic Rewards (HMO) offers partially covered vision services with no copay and no coinsurance, including one routine eye exam per year and up to $200 annually for eyeglasses or contact lenses. Other eye exam services and eyewear upgrades are not covered.
Dental Services See details
Dental services are partially covered by Generations Classic Rewards (HMO), offering up to $1,500 annually with no copay and no coinsurance for preventive care like cleanings, exams, and x-rays. Medicare-covered dental services require a $40 copay and no coinsurance, and comprehensive services require no copay and 0% to 20% coinsurance, though other preventive dental, implants, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered under the Generations Classic Rewards (HMO) with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs have no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin drugs require a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Generations Classic Rewards (HMO) covers dialysis services with no copay and coinsurance ranging from 0% to 20%. Prior authorization and a referral are required to access these covered services.
Medical Equipment See details
Generations Classic Rewards (HMO) covers durable medical equipment and prosthetics with no copay and a 20% coinsurance, subject to prior authorization. Diabetic equipment is partially covered with no copay and no coinsurance, but diabetic supplies and therapeutic shoes or inserts are not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are partially covered by Generations Classic Rewards (HMO), featuring no coinsurance for all services, though prior authorization and referrals are required. Covered services include diagnostic procedures and tests with copays ranging from no copay to $100, diagnostic radiological services with no copay, and therapeutic radiological services with copays starting at $50, while lab services and outpatient x-ray services are not covered.
Home Health Services See details
Generations Classic Rewards (HMO) covers home health services with no copay and no coinsurance, although prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by Generations Classic Rewards (HMO) with no coinsurance and select copayments, though in practice only some services are covered. Specifically, cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered by this plan.
Skilled Nursing Facility (SNF) See details
Generations Classic Rewards (HMO) covers Skilled Nursing Facility (SNF) services for up to 100 days with no coinsurance, though prior authorization and referrals are required. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, with no prior three-day hospital stay required.
Other Services See details
Other Services are partially covered under the Generations Classic Rewards (HMO) plan, offering no copay and no coinsurance for Over-the-Counter (OTC) items and meal benefits for chronic illnesses, which require prior authorization. Acupuncture, Naloxone, and other miscellaneous services are not covered under this benefit.
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