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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 2026, 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 2026.
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:
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Drug Coverage
The Generations Classic Plus (HMO) plan features a $0 drug deductible, meaning your prescription drug coverage begins immediately with no upfront out-of-pocket deductible costs. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at preferred pharmacies and preferred mail-order services. Tier 2 generic drugs are also highly affordable, costing a $10 copay for a 1-month supply or no copay for a 3-month supply when using preferred pharmacies or preferred mail order. Tier 3 preferred brand drugs require a $41 copay for a 1-month supply at preferred pharmacies, compared to $47 at standard pharmacies. For higher-tier medications, Tier 4 non-preferred drugs carry a 40% coinsurance at preferred locations and 50% coinsurance at standard locations. Tier 5 specialty drugs require a 33% coinsurance for a 1-month supply at both preferred and standard pharmacies.
Additional Benefits
The Generations Classic Plus (HMO) plan offers affordable healthcare coverage with no copay for primary care visits, telehealth, and routine preventive services. For specialized medical needs, members pay a $30 copay for specialists, while inpatient hospital stays require a $245 daily copay for days one through seven and no copay for days eight through 90. Emergency room visits carry a $90 copay and urgent care services require a $25 copay, both with no coinsurance. This plan also features robust extra benefits, including no copay for routine dental, vision, and hearing exams, plus a $200 annual eyewear allowance and a $1,000 hearing aid limit. Comprehensive dental services are covered up to a $2,000 yearly maximum with no copay and coinsurance ranging from 0% to 20%. Furthermore, members can take advantage of up to 24 one-way transportation trips per year and over-the-counter items with no copay or coinsurance.
Inpatient Hospital See details
Generations Classic Plus (HMO) covers inpatient hospital services with no coinsurance, requiring a $245 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 hospital days are not covered.
Outpatient Services See details
Outpatient services are covered by Generations Classic Plus (HMO) with no coinsurance, featuring copays of $20 to $275 for outpatient hospital services, $275 per stay for observation services, and $225 for ambulatory surgical center services. Outpatient substance abuse sessions require a $30 copay with no coinsurance, while outpatient blood services are available with no copay and no coinsurance.
Partial Hospitalization See details
Generations Classic Plus (HMO) covers partial hospitalization services with a $40.00 copay and no coinsurance. Prior authorization and a referral are required to access this benefit.
Ambulance and Transportation Services See details
Generations Classic Plus (HMO) covers ground ambulance services with a $250 copay (no coinsurance) and air ambulance services with a 20% coinsurance (no copay), with fees waived if admitted to the hospital. Transportation services are partially covered, offering up to 24 one-way trips per year to plan-approved locations with no copay or coinsurance, though transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by Generations Classic Plus (HMO) with a $90 copay (waived if admitted within 24 hours) and no coinsurance, while urgently needed services require a $25 copay and no coinsurance. Worldwide emergency and urgent care are partially covered up to a $50,000 maximum benefit with a $90 copay and no coinsurance, but worldwide emergency transportation is not covered.
Primary Care See details
Generations Classic Plus (HMO) provides primary care, telehealth, and opioid treatment services with no copay and no coinsurance, while specialist, therapy, and mental health visits require a $30 copay and no coinsurance. Other healthcare professional services range from no copay to a $30 copay with no coinsurance, but chiropractic and podiatry services are not covered.
Preventive Services See details
Generations Classic Plus (HMO) covers preventive services, including annual physical exams, kidney disease education, and routine screenings, with no copay and no coinsurance. Additional preventive services are partially covered with no copay and no coinsurance, excluding health education, in-home safety assessments, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, caregiver support, smoking cessation, disease management, telemonitoring, home/bathroom safety modifications, and counseling.
Hearing Services See details
Generations Classic Plus (HMO) covers hearing services with no copay and no coinsurance, which includes one routine hearing exam and one fitting evaluation per year. Prescription hearing aids are partially covered up to a $1,000 annual maximum with no copay or coinsurance, but OTC hearing aids and inner, outer, or over-the-ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by Generations Classic Plus (HMO) with no copay, no coinsurance, and no deductible for covered benefits. This includes one routine eye exam and a $200 annual allowance for contacts and eyeglasses, while other eye exams and eyewear upgrades are not covered.
Dental Services See details
Generations Classic Plus (HMO) partially covers dental services up to a $2,000 annual maximum, offering preventive care with no copay and no coinsurance, and comprehensive services with no copay and 0% to 20% coinsurance. Medicare-covered dental services require a $30 copay and no coinsurance, while other preventive dental services, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Generations Classic Plus (HMO) covers home infusion bundled services with no copay, requiring prior authorization and step therapy. Under this benefit, Medicare Part B chemotherapy, radiation, and other Part B drugs have no copay and no coinsurance to 20% coinsurance, while Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Generations Classic Plus (HMO) covers Dialysis Services with no copay and a coinsurance ranging from 0% (no coinsurance) to 20%. Prior authorization and a referral are required to receive these covered services.
Medical Equipment See details
Generations Classic Plus (HMO) covers durable medical equipment and prosthetics with no copay and a 20% coinsurance. 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
Generations Classic Plus (HMO) partially covers diagnostic and radiological services with no coinsurance, requiring prior authorization and referrals for these services. Covered diagnostic procedures and tests have a copay ranging from no copay to $100, diagnostic radiological services have no copay, and therapeutic radiological services require a minimum $50 copay, while lab services and outpatient X-ray services are not covered.
Home Health Services See details
Home Health Services are covered by Generations Classic Plus (HMO) 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 Plus (HMO) with no coinsurance, but require prior authorization and referrals. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD services are not covered, carrying copayments of $30, $30, $15, and $25 respectively.
Skilled Nursing Facility (SNF) See details
Generations Classic Plus (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization and referrals are required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered under Generations Classic Plus (HMO), which offers over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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