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Erickson Advantage Freedom (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Erickson Advantage Freedom (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 Freedom (HMO-POS) in 2025, please refer to our full plan details page.
Erickson Advantage Freedom (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 4.5 out of 5 stars in 2025.
It's important to know that Erickson Advantage Freedom (HMO-POS) 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 Erickson Advantage Freedom (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 Freedom (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $67.00. 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 a $100.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $10000.00 for in-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $10000.00 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 $4300.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $10000.00 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 Erickson Advantage Freedom (HMO-POS) plan has a $100 deductible for prescription drugs. In the initial coverage phase, you'll pay a copay for your prescriptions depending on the drug tier and pharmacy you use. For example, you'll pay a $10 copay for a preferred generic at a standard pharmacy, a $47 copay for a standard generic, and a $100 copay for a preferred brand drug. If you reach $2000 in total drug costs, you enter the catastrophic coverage phase where you pay nothing for covered drugs.
Additional Benefits
The Erickson Advantage Freedom (HMO-POS) plan offers a range of benefits with varying costs. Inpatient hospital stays have a copay, while outpatient services can have copays up to $300. Emergency services have a $125 copay, and primary care visits have no copay. Preventive, hearing, and vision services include no copays for exams, while dental services have a 20% coinsurance. Medical equipment and home infusion services have a 20% coinsurance, while home health services have no copay. Skilled nursing facilities have a copay after 20 days.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered. For Inpatient Hospital-Acute, you will pay a $275 copay for days 1-7, and no copay for days 8-90; additional days have no copay. Inpatient Hospital Psychiatric has a $275 copay for days 1-7, and no copay for days 8-90. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute, along with additional days and non-Medicare-covered stays for Inpatient Hospital Psychiatric, are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services with a copay between $0 and $300, observation services with a $300 copay, ambulatory surgical center services with no copay, outpatient substance abuse services with a copay between $0 and $40 for individual sessions, and no copay for group sessions, as well as outpatient blood services with no copay. Prior authorization is required for all services.
Partial Hospitalization See details
Partial Hospitalization is covered, but requires prior authorization. You will have a $30 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Erickson Advantage Freedom (HMO-POS) plan. Ground and Air Ambulance Services have a copay of $275, with no coinsurance. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under the Erickson Advantage Freedom (HMO-POS) plan. Emergency Services have a $125 copay, while Urgently Needed Services have a copay between $0 and $50, and Worldwide Emergency Services have a copay that varies depending on the service.
Primary Care See details
The Erickson Advantage Freedom (HMO-POS) plan covers primary care physician services with no copay, and chiropractic services with a $20 copay. Occupational therapy services are covered with no copay and a 0-20% coinsurance, and physician specialist services have a copay between $0 and $50. Mental health and psychiatric services have copays between $0 and $40 for individual sessions, while group sessions have no copay. Podiatry services, other health care professional services, and opioid treatment program services have copays between $20 and $0, respectively. Physical therapy and speech-language pathology services are covered with a 0-20% coinsurance, and additional telehealth benefits have no copay.
Preventive Services See details
Preventive services include no copay for annual physical exams, Medicare-covered preventive services, and additional preventive services such as Health Education and Home and Bathroom Safety Devices and Modifications. Other preventive services such as In-Home Safety Assessment, Personal Emergency Response System (PERS), Medical Nutrition Therapy (MNT), 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, In-Home Support Services, Support for Caregivers of Enrollees, Additional Sessions of Smoking and Tobacco Cessation Counseling, Fitness Benefit, Enhanced Disease Management, Telemonitoring Services, Remote Access Technologies, and Counseling Services are not covered. Kidney Disease Education Services, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit have no copay.
Hearing Services See details
Hearing services include coverage for hearing exams with no copay and routine hearing exams with no copay for one visit every year, but fitting/evaluation for hearing aids and prescription hearing aids are not covered. OTC hearing aids are also not covered.
Vision Services See details
The Erickson Advantage Freedom (HMO-POS) plan covers vision services, including eye exams and eyewear. Eye exams have no copay, and eyewear, including contact lenses and eyeglass frames, has no copay, while eyeglass lenses have a copay ranging from $0 to $153. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
The Erickson Advantage Freedom (HMO-POS) plan covers Medicare Dental Services with 20% coinsurance, and other dental services including oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatment, and other preventive dental services with no copay. However, orthodontic services, restorative services, and other dental services are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under the Erickson Advantage Freedom (HMO-POS) plan. Medicare Part B Insulin Drugs have a $35 copay, with coinsurance between 0% and 20%; Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the Erickson Advantage Freedom (HMO-POS) plan. You will pay a 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 20% coinsurance and requires authorization, Prosthetics/Medical Supplies with 20% coinsurance, and Diabetic Equipment including Diabetic Supplies with no copay and Diabetic Therapeutic Shoes/Inserts with 20% coinsurance. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, with a copay for diagnostic procedures/tests that is at most $45, and no copay for lab services. Diagnostic Radiological Services have a copay of at most $150, while Therapeutic Radiological Services have a coinsurance of at least 20%. Outpatient X-Ray Services have a copay of $25.
Home Health Services See details
Home Health Services are covered by the Erickson Advantage Freedom (HMO-POS) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Erickson Advantage Freedom (HMO-POS) plan. This includes Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Erickson Advantage Freedom (HMO-POS) plan, but require prior authorization. There is no copay for days 1-20, and a $203 copay for days 21-100.
Other Services See details
The Erickson Advantage Freedom (HMO-POS) plan does not cover acupuncture, meal benefits, or dual eligible SNPs with highly integrated services. Over-the-counter (OTC) items are covered with no copay. Other services like Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, and more are not covered.
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