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Generations Valor (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Generations Valor (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Generations Valor (HMO) in 2026, please refer to our full plan details page.
Generations Valor (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 Valor (HMO) 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 Generations Valor (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 Valor (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 $50.00. 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 $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
Prescription drugs are not covered by Generations Valor (HMO).
Additional Benefits
The Generations Valor (HMO) plan offers robust coverage for essential medical services, featuring no copay for primary care, telehealth visits, and standard preventive care. Specialist visits require a $35 copay, while inpatient hospital stays have a $295 daily copay for the first seven days and no copay for days eight through 90. Outpatient services generally range from a $15 to $320 copay, and emergency care is covered with a $90 copay, both with no coinsurance. For extra wellness support, the plan provides dental, vision, and hearing benefits, including a $1,500 annual dental allowance and a $300 yearly allowance for contacts or eyeglasses. Members also benefit from no copay for annual routine eye and hearing exams, up to $1,000 yearly for prescription hearing aids, and up to 24 one-way trips to approved health locations with no copay or coinsurance. Additionally, over-the-counter items and home health services are covered with no copay and no coinsurance.
Inpatient Hospital See details
Generations Valor (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $295 daily copay for days 1 through 7 and no copay for days 8 through 90. This benefit is partially covered because upgrades and non-Medicare-covered stays are not covered, and prior authorization and referrals are required.
Outpatient Services See details
Generations Valor (HMO) covers outpatient hospital services with a $15 to $320 copay, observation services with a $300 copay per stay, and ambulatory surgical center services with a $250 copay, all with no coinsurance. Outpatient blood services feature no copay and no coinsurance, while for outpatient substance abuse services, some services are covered with no copay and no coinsurance but individual and group sessions are not covered.
Partial Hospitalization See details
Generations Valor (HMO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization and a referral are required to access this benefit.
Ambulance and Transportation Services See details
Generations Valor (HMO) covers ambulance services with a $240 copay (no coinsurance) for ground transport and a 20% coinsurance (no copay) for air transport, both requiring prior authorization and waived if admitted. Transportation services are partially covered, providing up to 24 one-way trips per year to plan-approved health locations with no copay or coinsurance, while trips to any other health-related locations are not covered.
Emergency Services See details
Generations Valor (HMO) covers emergency services with a $90 copay and no coinsurance (waived if admitted within 24 hours) and urgently needed services with a $15 copay and no coinsurance. Worldwide emergency and urgent care are partially covered up to a $50,000 limit with a $90 copay and no coinsurance, though worldwide emergency transportation is not covered.
Primary Care See details
Generations Valor (HMO) provides primary care, telehealth, and opioid treatment services with no copay and no coinsurance, while specialist visits require a $35 copay and no coinsurance. Physical, occupational, and speech therapies are covered with a $20 copay and no coinsurance, but podiatry, routine chiropractic care, and individual or group mental health and psychiatric sessions are not covered.
Preventive Services See details
Preventive services under Generations Valor (HMO) are covered with no copay and no coinsurance, including annual physical exams and kidney disease education. Additional preventive services are partially covered, excluding 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, smoking cessation, disease management, telemonitoring, home safety devices, and counseling.
Hearing Services See details
Hearing services under Generations Valor (HMO) feature no copays and no coinsurance for covered services, which include one routine hearing exam and one fitting evaluation per year, plus up to $1,000 annually for prescription hearing aids. However, coverage is partial as over-the-counter (OTC), inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Generations Valor (HMO) provides partially covered vision services with no copay, no coinsurance, and no deductible, including one annual routine eye exam and a $300 yearly allowance for contacts and eyeglasses. Other eye exam services and eyewear upgrades are not covered.
Dental Services See details
Dental services are partially covered by Generations Valor (HMO), which offers up to $1,500 annually for non-Medicare dental care with no copay and 0% to 20% coinsurance on covered preventive and comprehensive services. Medicare-covered dental services require a $35 copay and no coinsurance, while other preventive dental services, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Generations Valor (HMO) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs require no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by Generations Valor (HMO) with no copay and coinsurance ranging from no coinsurance up to 20%. Prior authorization and referrals are required to access this benefit.
Medical Equipment See details
Generations Valor (HMO) covers Durable Medical Equipment (DME) and prosthetics with no copay and 20% coinsurance, subject to prior authorization. Diabetic equipment is partially covered with no copay and no coinsurance, though diabetic supplies and diabetic therapeutic shoes or inserts are not covered.
Diagnostic and Radiological Services See details
Generations Valor (HMO) partially covers diagnostic and radiological services with no coinsurance, requiring prior authorization and referrals, while outpatient X-ray services are not covered. Covered diagnostic tests and procedures have a copay ranging from no copay up to $100, lab services require a $5 copay, and therapeutic radiological services have a minimum $50 copay.
Home Health Services See details
Home Health Services are covered under the Generations Valor (HMO) plan with no copay and no coinsurance. Members should note that both prior authorization and a referral are required to access these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by Generations Valor (HMO) with no coinsurance, though only some services are covered in practice. Specifically, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered, which otherwise require prior authorization, referrals, and copayments ranging from $15 to $30.
Skilled Nursing Facility (SNF) See details
Generations Valor (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization and a referral, but no prior three-day hospital stay. There is no copay for days 1 through 20, while days 21 through 100 require a $218 daily copay, and additional days beyond the standard Medicare limit are not covered.
Other Services See details
Generations Valor (HMO) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance, while acupuncture is not covered. Prior authorization is required for the meal benefit, and Naloxone is excluded from OTC coverage.
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