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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 2026, 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 5 out of 5 stars in 2026.
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 $89.00. 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 $355.00 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 $4900.00 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) prescription drug plan features an annual drug deductible of $355. Under this plan, Tier 1 preferred generic drugs have no copay for standard pharmacy fills and three-month mail orders. For Tier 2 generic drugs, you will pay a $10 copay for a one-month supply at a standard pharmacy, but you can secure a three-month supply with no copay through preferred mail order. For higher-tier medications, Tier 3 preferred brand drugs require a 15% coinsurance for both one-month and three-month supplies. Tier 4 non-preferred drugs carry a 39% coinsurance, while Tier 5 specialty drugs require a 29% coinsurance for a one-month supply. These tier-based costs help you estimate your out-of-pocket prescription expenses when using retail pharmacies or mail-order services.
Additional Benefits
The Erickson Advantage Freedom (HMO-POS) plan offers robust healthcare coverage with no copays for primary care visits, telehealth services, and skilled nursing facility stays up to 100 days. Inpatient hospital stays require a $275 daily copay for the first 7 days and no copay for days 8 through 90, while emergency room visits carry a $130 copay. Specialist consultations and urgent care services are also highly accessible, with copays ranging from no copay up to $50. Routine dental care, annual physicals, routine eye exams, and routine hearing exams are covered with no copays or coinsurance. For specialized medical needs, members pay no copays for diagnostic lab tests, x-rays, and home health care, while dialysis services and durable medical equipment require a 20% coinsurance. The plan also features a $100 biennial eyewear benefit and covers over-the-counter items with no copay.
Inpatient Hospital See details
Erickson Advantage Freedom (HMO-POS) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $275 copay for days 1 through 7 and no copay for days 8 through 90. Acute care includes unlimited additional days with no copay, though psychiatric additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by Erickson Advantage Freedom (HMO-POS) with no coinsurance, featuring a $0 to $275 copay for outpatient hospital services, a $275 daily copay for observation services, and up to a $40 copay for individual substance abuse sessions. Ambulatory surgical center services, group substance abuse sessions, and outpatient blood services are covered with no copay and no coinsurance.
Partial Hospitalization See details
Erickson Advantage Freedom (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Erickson Advantage Freedom (HMO-POS) covers ground and air ambulance services with a $275 copay (not waived if admitted) and no coinsurance, requiring prior authorization. Some transportation services are covered, but transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
Erickson Advantage Freedom (HMO-POS) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a copay of $0 to $50 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Erickson Advantage Freedom (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance, while chiropractic services are not covered. Specialist, mental health, psychiatric, and podiatry services have copays ranging from $0 to $50 with no coinsurance, whereas physical, occupational, and speech therapies have no copay and a 20% coinsurance.
Preventive Services See details
Preventive Services are partially covered by Erickson Advantage Freedom (HMO-POS) with no copay and no coinsurance for annual physicals, health education, home safety devices, kidney education, glaucoma screenings, diabetes self-management, digital rectal exams, and EKGs. Excluded services that are not covered include fitness benefits, weight management, alternative therapies, therapeutic massage, adult day health, counseling, telemonitoring, remote access, PERS, in-home safety assessments, palliative care, in-home support, caregiver support, nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, and additional smoking cessation.
Hearing Services See details
Erickson Advantage Freedom (HMO-POS) covers one routine hearing exam per year with no copay, no coinsurance, and no deductible, though prior authorization is required. Fitting and evaluation exams, prescription hearing aids, and over-the-counter (OTC) hearing aids are not covered by this plan.
Vision Services See details
Vision services are partially covered by Erickson Advantage Freedom (HMO-POS) with no deductibles or coinsurance, featuring a routine annual eye exam with no copay and a $100 maximum eyewear benefit every two years. Covered eyewear includes contact lenses and frames with no copay, and eyeglass lenses with a $0 to $153 copay, though other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Erickson Advantage Freedom (HMO-POS) offers partially covered dental services, featuring Medicare-covered dental care with no copay and a 20% coinsurance, alongside preventive services with no copay and no coinsurance. However, several restorative and major services are not covered, including endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics.
Home Infusion bundled Services See details
Erickson Advantage Freedom (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Under this benefit, Part B chemotherapy and other drugs require between no coinsurance and 20% coinsurance, while Part B insulin has a $35 copay and between no coinsurance and 20% coinsurance.
Dialysis Services See details
Erickson Advantage Freedom (HMO-POS) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Erickson Advantage Freedom (HMO-POS) covers medical equipment, including durable medical equipment (DME), prosthetics, medical supplies, and diabetic services, with prior authorization required. These benefits feature no copays, with a 20% coinsurance applying to DME, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts.
Diagnostic and Radiological Services See details
Erickson Advantage Freedom (HMO-POS) covers diagnostic and radiological services with no coinsurance, although prior authorization is required. There is no copay for lab services, diagnostic procedures, outpatient X-rays, and diagnostic radiological services, while therapeutic radiological services have a copayment starting at $40.
Home Health Services See details
Erickson Advantage Freedom (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 not covered under the Erickson Advantage Freedom (HMO-POS) plan. In practice, none of the specific sub-services, including intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation, are covered.
Skilled Nursing Facility (SNF) See details
Erickson Advantage Freedom (HMO-POS) covers Skilled Nursing Facility (SNF) services for days 1 through 100 with no copay and no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. Additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by Erickson Advantage Freedom (HMO-POS), which offers over-the-counter (OTC) items with no copay and no coinsurance. Acupuncture, meal benefits, and other additional services are not covered under this plan.
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