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Medical Associates Freedom Plan (Cost)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Medical Associates Freedom Plan (Cost). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Medical Associates Freedom Plan (Cost) in 2026, please refer to our full plan details page.
Medical Associates Freedom Plan (Cost) is a Cost plan offered by Medical Associates Clinic, P.C. available for enrollment in 2025 to people living in Grant, Crawford, Iowa, Lafayette Counties. This plan received an overall rating of 5 out of 5 stars in 2026.
It's important to know that Medical Associates Freedom Plan (Cost) 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 Medical Associates Freedom Plan (Cost).
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 Medical Associates Freedom Plan (Cost), 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.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
We don't have information on the Maximum Out-Of-Pocket cost for this plan. You can call our licensed insurance specialists by clicking "Call to Enroll" below for more information.
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 Medical Associates Freedom Plan (Cost)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
Prescription drugs are not covered by Medical Associates Freedom Plan (Cost).
Additional Benefits
The Medical Associates Freedom Plan (Cost) offers robust coverage for major medical services with no copays and no coinsurance for most covered benefits. Members can access inpatient and outpatient hospital care, emergency services, primary and specialist visits, and preventive care with no copay or coinsurance. Essential needs like dialysis, home health care, durable medical equipment, and skilled nursing facility stays are also covered at no cost to the member. However, the plan has limitations on supplemental benefits, excluding routine dental services, eyewear, and over-the-counter items. Routine hearing and vision exams are partially covered with no copay, but corrective devices like hearing aids and eyeglasses are not covered. For out-of-network services, members may be responsible for a copay ranging from $25.00 to $1,000.00 depending on the service.
Inpatient Hospital See details
Medical Associates Freedom Plan (Cost) partially covers inpatient hospital services, offering both acute and psychiatric care with no copay and no coinsurance. While unlimited additional days and non-Medicare-covered stays are included, room upgrades for acute stays are not covered.
Outpatient Services See details
Outpatient services are covered under the Medical Associates Freedom Plan (Cost) with no copays and no coinsurance for outpatient hospital, ambulatory surgical center, and blood services. Outpatient substance abuse services are not covered in practice, as both individual and group sessions are excluded from coverage.
Partial Hospitalization See details
Medical Associates Freedom Plan (Cost) covers partial hospitalization services with no copay and no coinsurance.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered under the Medical Associates Freedom Plan (Cost) with no copay and no coinsurance, but in practice, ground ambulance, air ambulance, and health-related transportation services are not covered.
Emergency Services See details
Medical Associates Freedom Plan (Cost) covers emergency services, urgently needed services, and worldwide emergency care, including worldwide emergency transportation. Members benefit from having no copay and no coinsurance for all of these covered services.
Primary Care See details
Medical Associates Freedom Plan (Cost) covers primary care, specialist, and therapy services with no copay and no coinsurance. Chiropractic care is partially covered, excluding other chiropractic services, while telehealth is not covered, and only some mental health and psychiatric services are covered since individual and group sessions are excluded.
Preventive Services See details
Medical Associates Freedom Plan (Cost) covers preventive services, including annual physical exams and kidney disease education, with no copay and no coinsurance. While some services are covered, additional preventive benefits such as fitness programs, health education, weight management, and in-home support are not covered.
Hearing Services See details
Medical Associates Freedom Plan (Cost) partially covers hearing exams with no copay and no coinsurance, though routine exams and fitting evaluations are not covered. For prescription hearing aids, some services are covered but inner ear, outer ear, and over the ear types are not covered, and over-the-counter (OTC) hearing aids are excluded entirely.
Vision Services See details
Medical Associates Freedom Plan (Cost) covers one routine eye exam every year with no copay, no coinsurance, and no deductible. Other eye exam services and eyewear, including contacts and eyeglasses, are not covered.
Dental Services See details
Medical Associates Freedom Plan (Cost) partially covers dental services, offering Medicare-covered dental care with no copay and no coinsurance. Other dental services, such as oral exams, cleanings, x-rays, fluoride, restorative services, endodontics, periodontics, prosthodontics, implants, and oral surgery, are not covered.
Home Infusion bundled Services See details
Home Infusion bundled services are partially covered under the Medical Associates Freedom Plan (Cost), which covers insulin but excludes Medicare Part B insulin, chemotherapy or radiation drugs, and other Part B drugs. No copayment or coinsurance information is specified for the covered insulin service.
Dialysis Services See details
Dialysis services are covered by the Medical Associates Freedom Plan (Cost) with no copay and no coinsurance.
Medical Equipment See details
Medical Associates Freedom Plan (Cost) covers durable medical equipment (DME) with no copay and no coinsurance. While some medical equipment benefits are covered, prosthetic devices, medical supplies, diabetic supplies, and diabetic therapeutic shoes or inserts are not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Medical Associates Freedom Plan (Cost) with no copay and no coinsurance. While some services are covered, diagnostic procedures and tests, lab services, diagnostic radiological services, therapeutic radiological services, and outpatient X-ray services are not covered in practice.
Home Health Services See details
Medical Associates Freedom Plan (Cost) covers Home Health Services with no copay and no coinsurance.
Cardiac Rehabilitation Services See details
Medical Associates Freedom Plan (Cost) covers Cardiac Rehabilitation Services with no copay and no coinsurance. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered.
Skilled Nursing Facility (SNF) See details
Medical Associates Freedom Plan (Cost) covers Skilled Nursing Facility (SNF) services with no copay and no coinsurance, requiring a prior three-day inpatient hospital stay. The plan also provides up to 30 additional days of coverage per benefit period beyond the standard Medicare-covered limit.
Other Services See details
Other Services are partially covered by the Medical Associates Freedom Plan (Cost), with no coverage provided for acupuncture, over-the-counter (OTC) items, or meal benefits. The plan does cover reduced cost sharing for out-of-network benefits, which features a copay ranging from $25.00 to $1,000.00 and no coinsurance, subject to prior authorization.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
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