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Generations Classic Plus (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Generations Classic Plus (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Generations Classic Plus (HMO) in 2025, please refer to our full plan details page.
Generations Classic Plus (HMO) is a HMO plan offered by MHH Healthcare, L.P. available for enrollment in 2025 to people living in Oklahoma City Metro. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that Generations Classic Plus (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 Plus (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 Plus (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.
This plan does not come with a Part B Premium reduction. You must continue to pay your 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:
Sign up for Generations Classic Plus (HMO)
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Drug Coverage
The Generations Classic Plus (HMO) plan has an enhanced alternative drug benefit. The plan has no deductible for prescription drugs. In the initial coverage phase, after paying the deductible, you will pay a copay for your prescriptions depending on the drug tier and the pharmacy you use. For example, you will pay a $10 copay for preferred generic drugs at a preferred pharmacy. Once your total drug costs reach $2,000, you will enter the catastrophic coverage phase where you pay nothing for Part D covered drugs.
Additional Benefits
The Generations Classic Plus (HMO) plan offers a range of benefits with varying costs. Inpatient hospital stays have a copay, with no copay for most of the stay, while outpatient services and emergency services have copays. The plan also includes coverage for ambulance services, with a copay for ground transport and coinsurance for air transport, as well as limited transportation services for health-related appointments. This plan provides coverage for primary care, including specialist visits, with copays for many services. Preventive services are covered, along with hearing and vision services, including hearing aids and eyewear with annual limits. Dental services are also included, with a maximum benefit. Additionally, the plan covers home infusion, dialysis, medical equipment, diagnostic services, home health, and skilled nursing facility stays, with varying cost-sharing arrangements.
Inpatient Hospital See details
Inpatient Hospital coverage includes acute and psychiatric care, with a $245 copay for days 1-7 and no copay for days 8-90. Additional days for Inpatient Hospital-Acute are covered. Non-Medicare-covered stays and upgrades are not covered.
Outpatient Services See details
Outpatient Services, including outpatient hospital services, observation services, ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services, are covered. Outpatient Hospital Services have a copay of $20-$275, Observation Services have a copay of $275 per stay, and Ambulatory Surgical Center Services have a copay of $225. Individual and Group Sessions for Outpatient Substance Abuse have a copay of $30.
Partial Hospitalization See details
Partial Hospitalization is covered, with a $40 copay. Prior authorization and a doctor's referral are required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by Generations Classic Plus (HMO), including ground and air ambulance services with prior authorization. Ground ambulance services have a $250 copay, while air ambulance services have 20% coinsurance. Transportation services to plan-approved health-related locations are covered for 24 one-way trips per year.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Coverage are covered by the Generations Classic Plus (HMO) plan. Emergency Services and Worldwide Emergency Coverage have a $90 copay, while Urgently Needed Services have a $30 copay; no coinsurance applies to any of these services. Worldwide Emergency Transportation is not covered.
Primary Care See details
The Generations Classic Plus (HMO) plan covers primary care physician services, chiropractic services with a $20 copay, occupational therapy services with a $30 copay, physician specialist services with a $30 copay, mental health specialty services with a $30 copay for individual and group sessions, other health care professional services with a copay between $0 and $30, psychiatric services with a $30 copay for individual and group sessions, physical therapy and speech-language pathology services with a $30 copay, additional telehealth benefits, and opioid treatment program services. Routine chiropractic care and podiatry services are not covered.
Preventive Services See details
Preventive services, including annual physical exams, additional preventive services, and other preventive services, are covered. The plan also covers Personal Emergency Response System (PERS), In-Home Support Services, Fitness Benefit, Remote Access Technologies, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit. However, Health Education, In-Home Safety Assessment, 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 routine hearing exams with no copay, and fitting/evaluation for hearing aids, with one visit covered every year. Prescription hearing aids are covered up to a maximum of $1000.00 per year for all types of hearing aids, except for inner ear, outer ear, and over-the-ear hearing aids, which are not covered, and OTC hearing aids are not covered.
Vision Services See details
Vision services include routine eye exams with a $30 copay, and coverage for eyewear, including contact lenses, eyeglasses (lenses and frames), eyeglass lenses, and eyeglass frames. Eyewear has a combined maximum benefit of $200 every year, and upgrades are not covered.
Dental Services See details
Dental services include coverage for Medicare dental services with a $30 copay, and other dental services with a $2,000 maximum. Oral exams, dental x-rays, prophylaxis (cleaning), and fluoride treatments are covered, and restorative services, endodontics, prosthodontics (removable, fixed), maxillofacial prosthetics, and oral and maxillofacial surgery are covered with 0% to 20% coinsurance.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, and prior authorization is required. The cost sharing includes a $35 copay for Medicare Part B Insulin Drugs, and coinsurance between 0% and 20% for Medicare Part B Insulin Drugs, Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs.
Dialysis Services See details
Dialysis Services are covered under the Generations Classic Plus (HMO) plan, with prior authorization and a doctor referral required. There is no minimum coinsurance, but the maximum coinsurance is 20%.
Medical Equipment See details
Medical Equipment benefits are covered under the Generations Classic Plus (HMO) plan, including Durable Medical Equipment (DME) with 20% coinsurance and Prosthetics/Medical Supplies with a 0-20% coinsurance. Durable Medical Equipment for use outside the home and Diabetic Supplies & Therapeutic Shoes/Inserts are not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Generations Classic Plus (HMO) plan. Diagnostic Procedures/Tests have a copay between $0 and $100, while Diagnostic Radiological Services have a copay of up to $275 and Therapeutic Radiological Services have a copay of $50. Lab services and Outpatient X-Ray Services are not covered.
Home Health Services See details
Home Health Services are covered by the Generations Classic Plus (HMO) plan with no copay and no coinsurance, though authorization and a referral are required. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Generations Classic Plus (HMO) plan. The plan does not cover Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Generations Classic Plus (HMO) plan, requiring prior authorization and a doctor's referral. There is no copay for days 1-20, and a $184 copay for days 21-100; additional days beyond Medicare coverage and non-Medicare covered stays are not covered.
Other Services See details
Other Services includes coverage for over-the-counter (OTC) items with a maximum benefit of $135 every three months, and meal benefits with a doctor referral required. Acupuncture and several other services are not covered.
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