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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 2025, 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 2025.
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 $75.00. 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 has an enhanced alternative drug benefit. The plan has no deductible for prescription drugs. In the initial coverage phase, you'll pay a copay for each prescription based on the drug tier and pharmacy. For example, preferred generic drugs have a $10 copay at a preferred pharmacy, while non-preferred drugs have 33% coinsurance. After your total drug costs reach $2,000, you enter the catastrophic coverage phase, where you pay nothing for covered drugs.
Additional Benefits
The Generations Classic Rewards (HMO) plan offers a range of benefits with varying costs. Inpatient hospital stays have a $295 copay for the first week, then no copay for the rest of the stay, while outpatient services can have copays ranging from $20 to $320. Emergency services have a $90 copay, and primary care visits can range from no copay to a $40 copay, depending on the service. This plan also provides coverage for hearing and vision services, including routine exams, with no copay. It also provides dental services, with copays and coinsurance depending on the specific service. Other services include home health, medical equipment, and home infusion services with varying cost-sharing structures.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, with a $295 copay for days 1-7 and no copay for days 8-90. Additional days for Inpatient Hospital-Acute are covered, but Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute and Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services, including all outpatient hospital services, are covered by the Generations Classic Rewards (HMO) plan. Outpatient Hospital Services have a copay between $20 and $320, Observation Services have a $300 copay, and Ambulatory Surgical Center (ASC) Services have a $250 copay, while Outpatient Substance Abuse Services are not covered.
Partial Hospitalization See details
Partial Hospitalization is covered by the Generations Classic Rewards (HMO) plan, and requires prior authorization and a doctor referral. The copay for this benefit is $40.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered under Generations Classic Rewards (HMO). Ground ambulance services have a $250 copay, while air ambulance services have 20% coinsurance. Transportation Services to a plan-approved health-related location are covered for 24 one-way trips per year, but transportation to any health-related location is not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Coverage are covered under the Generations Classic Rewards (HMO) plan. Emergency Services and Worldwide Emergency Coverage have a $90 copay, and Urgently Needed Services have a $30 copay. Worldwide Emergency Transportation is not covered.
Primary Care See details
The Generations Classic Rewards (HMO) plan covers primary care physician services, chiropractic services, occupational therapy services, physician specialist services, other health care professional services, psychiatric services, physical therapy, speech-language pathology services, additional telehealth benefits, and opioid treatment program services. Chiropractic services have a $20 copay, while physician specialist services have a $40 copay; other health care professional services have a copay between $0-$40, and physical therapy and speech-language pathology services have a $20 copay. Routine chiropractic care, individual and group sessions for mental health specialty services, individual and group sessions for psychiatric services, and podiatry services are not covered.
Preventive Services See details
Preventive services include coverage for Medicare-covered preventive services, annual physical exams, glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following Welcome Visit. Additional preventive services, such as health education, in-home safety assessments, 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 benefit, home-based palliative care, support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, enhanced disease management, telemonitoring services, home and bathroom safety devices and modifications, and counseling services are not covered.
Hearing Services See details
Hearing services include coverage for routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered up to $1000 per year for all types of hearing aids, except for inner ear, outer ear, and over the ear hearing aids, which are not covered.
Vision Services See details
Vision services include coverage for routine eye exams, eyeglasses, and contact lenses, with no deductible. The plan covers one routine eye exam per year, with a combined maximum of $200 annually for eyewear, and covers contact lenses, eyeglasses (lenses and frames), eyeglass lenses, and eyeglass frames. Upgrades are not covered.
Dental Services See details
Dental Services include coverage for Medicare Dental Services with a $40 copay, as well as Oral Exams, Dental X-Rays, Other Diagnostic Dental Services, Prophylaxis (Cleaning), Fluoride Treatment, Restorative Services with 0-20% coinsurance, Endodontics, Prosthodontics (removable and fixed), Maxillofacial Prosthetics and Oral and Maxillofacial Surgery with 20% coinsurance. Orthodontic Services are covered under Diagnostic and Preventive Dental, while Implant Services and Orthodontics are not covered. The plan has a $1,500 annual maximum benefit.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs, Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs. Medicare Part B Insulin Drugs have a $35 copay and a coinsurance between 0% and 20%. 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 Generations Classic Rewards (HMO) plan, but require prior authorization and a doctor's referral. The coinsurance for dialysis services ranges from 0% to 20%.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME) with a 20% coinsurance and Prosthetics/Medical Supplies with 0-20% coinsurance, though Durable Medical Equipment for use outside the home is not covered; Diabetic Equipment is also covered, but Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts are not covered. There is no copay for any of these services.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Generations Classic Rewards (HMO) plan. Diagnostic Procedures/Tests have a copay between $0 and $100, while Diagnostic Radiological Services have a maximum copay of $250, and Therapeutic Radiological Services have a minimum copay of $50. Lab Services and Outpatient X-Ray Services are not covered.
Home Health Services See details
Home Health Services are covered with no copay and no coinsurance, but additional hours of care and personal care services are not covered. This benefit requires authorization and a referral.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Generations Classic Rewards (HMO) plan. Prior authorization and a doctor's referral are required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Generations Classic Rewards (HMO) plan, requiring prior authorization and a doctor's referral. For days 1-20, there is no copay, and for days 21-100, the copay is $184. Additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
Under the Generations Classic Rewards (HMO) plan, acupuncture, 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. Over-the-counter (OTC) items are covered with a maximum benefit of $135 every three months, including nicotine replacement therapy, while the meal benefit is covered with a doctor referral.
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