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Erickson Advantage Liberty no Rx (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Erickson Advantage Liberty no Rx (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Erickson Advantage Liberty no Rx (HMO-POS) in 2026, please refer to our full plan details page.
Erickson Advantage Liberty no Rx (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Erickson Campuses - CO,KS,MA,MD,MI,NJ,PA,TX,VA,NC. This plan received an overall rating of 5 out of 5 stars in 2026.
It's important to know that Erickson Advantage Liberty no Rx (HMO-POS) 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 Erickson Advantage Liberty no Rx (HMO-POS).
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 Erickson Advantage Liberty no Rx (HMO-POS), 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 $20.00. 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 $9450.00 for in-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $9450.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
This plan has a Maximum Out-Of-Pocket cost of $6750.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $9450.00 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 Erickson Advantage Liberty no Rx (HMO-POS).
Additional Benefits
The Erickson Advantage Liberty no Rx (HMO-POS) plan offers affordable healthcare coverage with no copays or coinsurance for primary care, preventive services, and home health visits. For inpatient hospital stays, members pay a daily copay of $375 for the first several days with no coinsurance, while specialist visits range from no copay up to $65. Emergency care is available with a $130 copay, which is waived upon hospital admission, while urgent care copays range from no copay to $50. Routine dental cleanings, annual hearing exams, and routine eye exams are covered with no copays, though more advanced dental work and alternative therapies are not covered. Durable medical equipment, diabetic shoes, and dialysis services require a 20% coinsurance with no copay. Additionally, skilled nursing facility care is covered with no copay and no coinsurance for up to 100 days.
Inpatient Hospital See details
Erickson Advantage Liberty no Rx (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $375 daily copay for days 1 to 7 of acute stays (with no copay for days 8 and beyond) and a $375 daily copay for days 1 to 6 of psychiatric stays (with no copay for days 7 to 90). Prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by Erickson Advantage Liberty no Rx (HMO-POS) with no coinsurance, featuring no copays for ambulatory surgical center services, outpatient blood services, and group substance abuse sessions. Patients will pay a copay of $0 to $375 for outpatient hospital services, $375 per day for observation services, and $0 to $30 for individual substance abuse sessions, with prior authorization required for these services.
Partial Hospitalization See details
Erickson Advantage Liberty no Rx (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by Erickson Advantage Liberty no Rx (HMO-POS), featuring a $275 copay and no coinsurance for both ground and air ambulance services. While some transportation services are covered, transport to plan-approved health-related locations and any other health-related locations is not covered.
Emergency Services See details
Erickson Advantage Liberty no Rx (HMO-POS) covers emergency services with a $130 copay and no coinsurance, with the copay waived if admitted to the hospital within 24 hours. Urgently needed services are covered with no coinsurance and a copay ranging from no copay to $50, while worldwide emergency, urgent, and transportation services are available with no copays and no coinsurance.
Primary Care See details
Erickson Advantage Liberty no Rx (HMO-POS) provides primary care, telehealth, and opioid treatment services with no copay and no coinsurance, though chiropractic services are not covered. Specialist visits range from a $0 to $65 copay with no coinsurance, while physical, occupational, and speech therapies are covered with no copay and a 20% coinsurance.
Preventive Services See details
Preventive services under the Erickson Advantage Liberty no Rx (HMO-POS) are partially covered with no copay and no coinsurance for annual physical exams, health education, kidney disease education, glaucoma screenings, diabetes self-management training, digital rectal exams, and EKGs. Supplemental benefits not covered under this plan include fitness benefits, weight management, alternative therapies, therapeutic massage, counseling, nutritional benefits, wigs, PERS, adult day health, home-based palliative care, caregiver support, in-home safety assessments, in-home support, post-discharge medication reconciliation, re-admission prevention, additional smoking cessation, enhanced disease management, telemonitoring, remote access, medical nutrition therapy, and home safety modifications.
Hearing Services See details
Erickson Advantage Liberty no Rx (HMO-POS) provides partially covered hearing services, offering one routine hearing exam per year with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription and OTC hearing aids are covered up to two per year with no coinsurance and copays ranging from $199.00 to $1,249.00, but inner ear, outer ear, and over the ear prescription aids are not covered.
Vision Services See details
Vision services are partially covered by Erickson Advantage Liberty no Rx (HMO-POS) with no coinsurance, offering no copay for one annual routine eye exam and contact lenses, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered. Covered eyewear is subject to a combined $100 maximum limit every two years, featuring no copay for frames and a copay of $0 to $153 for lenses.
Dental Services See details
Erickson Advantage Liberty no Rx (HMO-POS) partially covers dental services, offering preventive care such as cleanings and exams with no copay and no coinsurance, and Medicare-covered dental services with no copay and a 20% coinsurance. However, restorative services, endodontics, periodontics, prosthodontics, oral surgery, implants, and orthodontics are not covered.
Home Infusion bundled Services See details
Erickson Advantage Liberty no Rx (HMO-POS) covers Home Infusion bundled Services with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs have no copay and range from no coinsurance to 20% coinsurance, while Part B insulin requires a $35 copay and ranges from no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by Erickson Advantage Liberty no Rx (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Erickson Advantage Liberty no Rx (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
Erickson Advantage Liberty no Rx (HMO-POS) covers diagnostic and radiological services with prior authorization, offering lab services and diagnostic radiological services with no copay. Diagnostic procedures and tests require a $50 copay with no coinsurance, outpatient X-rays require a $30 copay, and therapeutic radiological services carry a minimum 20% coinsurance.
Home Health Services See details
Erickson Advantage Liberty no Rx (HMO-POS) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the Erickson Advantage Liberty no Rx (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Erickson Advantage Liberty no Rx (HMO-POS) covers Skilled Nursing Facility (SNF) services for days 1 through 100 with no copay and no coinsurance, though prior authorization is required. The plan waives the three-day inpatient hospital stay requirement for admission, but additional days beyond the Medicare-covered 100 days are not covered.
Other Services See details
Other Services are not covered under the Erickson Advantage Liberty no Rx (HMO-POS) plan, as acupuncture, over-the-counter (OTC) items, and meal benefits are all excluded from coverage.
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