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Erickson Advantage Liberty (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Erickson Advantage Liberty (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 (HMO-POS) in 2026, please refer to our full plan details page.
Erickson Advantage Liberty (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 (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 Liberty (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 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $14.00. 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 $600.00 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 $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
The Erickson Advantage Liberty (HMO-POS) prescription drug plan features an annual drug deductible of $600. For Tier 1 preferred generic drugs, members enjoy no copay for 1-month or 3-month supplies at standard pharmacies and via mail order. Tier 2 generic drugs cost a $15 copay for a 1-month supply at standard pharmacies, but members can get a 3-month supply with no copay through preferred mail order. For brand-name and specialty medications, costs transition to coinsurance percentages. Tier 3 preferred brand drugs require a 19% coinsurance for both 1-month and 3-month supplies. Tier 4 non-preferred drugs have a 28% coinsurance, while Tier 5 specialty tier drugs require a 26% coinsurance for a 1-month supply across standard pharmacies and mail order options.
Additional Benefits
The Erickson Advantage Liberty (HMO-POS) plan offers robust coverage for essential medical services, typically featuring no coinsurance for inpatient and outpatient care. You will enjoy no copay for primary care visits, home health services, routine preventive care, and skilled nursing facility stays for up to 100 days. Specialist visits, outpatient services, and inpatient hospital stays are also covered, though they may require flat copayments ranging from a $45 copay for podiatry up to a $375 daily copay for the first week of an acute hospital stay. For everyday wellness, this plan provides routine hearing and vision exams, as well as preventive dental cleanings and oral exams, with no copay or coinsurance. However, it is important to note that comprehensive dental treatments, hearing aids, and over-the-counter items are not covered under this plan. Diagnostic lab services are available with no copay, while durable medical equipment and dialysis services require a 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital care is partially covered by Erickson Advantage Liberty (HMO-POS) with no coinsurance, requiring a $375 daily copay for days 1-7 of acute stays (with no copay for days 8-999) and days 1-6 of psychiatric stays (with no copay for days 7-90). Prior authorization is required, and non-Medicare-covered stays, hospital upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Erickson Advantage Liberty (HMO-POS) covers outpatient services with no coinsurance, though prior authorization is required for most treatments. Outpatient hospital copays range from no copay up to $375 (with a $375 daily copay for observation services), individual substance abuse sessions cost between no copay and $40, and ambulatory surgical center, group substance abuse, and blood services are offered with no copay.
Partial Hospitalization See details
Partial hospitalization is covered by Erickson Advantage Liberty (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Erickson Advantage Liberty (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. For transportation benefits, some services are covered but transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
Emergency services are covered by Erickson Advantage Liberty (HMO-POS) with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature 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 Liberty (HMO-POS) covers primary care visits, telehealth, and opioid treatment with no copay and no coinsurance, while chiropractic services are not covered. Specialist visits require a $0 to $65 copay and no coinsurance, whereas physical and occupational therapy are covered with no copay and a 20% coinsurance. Mental health, psychiatric, and podiatry services feature no coinsurance, with copays ranging from $0 to $40 for mental health/psychiatric sessions and a flat $45 copay for podiatry.
Preventive Services See details
Erickson Advantage Liberty (HMO-POS) offers partially covered preventive services with no copay and no coinsurance for covered care such as annual physical exams, health education, kidney disease education, glaucoma screenings, diabetes self-management training, digital rectal exams, and post-Welcome Visit EKGs. However, sub-services like in-home safety assessments, personal emergency response systems (PERS), 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, in-home support, caregiver support, additional smoking cessation, fitness benefits, disease management, telemonitoring, remote access technologies, home/bathroom modifications, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered under Erickson Advantage Liberty (HMO-POS), which provides one routine hearing exam per year with no copay, no coinsurance, and no deductible. Fitting and evaluation for hearing aids, prescription hearing aids, and over-the-counter (OTC) hearing aids are not covered under this plan.
Vision Services See details
Erickson Advantage Liberty (HMO-POS) partially covers vision services with no coinsurance, offering no copay for annual routine eye exams and contact lenses, and a $0 to $153 copay for eyeglass lenses up to a $100 maximum benefit every two years. Other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Erickson Advantage Liberty (HMO-POS) provides partially covered dental services, offering Medicare-covered dental care with no copay and a 20% coinsurance. Preventive services such as oral exams, cleanings, X-rays, and fluoride treatments are available with no copay and no coinsurance, but restorative, endodontic, periodontic, prosthodontic, implant, oral surgery, and orthodontic services are not covered.
Home Infusion bundled Services See details
Erickson Advantage Liberty (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy and radiation, have no copay and 0% to 20% coinsurance, while insulin drugs require a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Erickson Advantage Liberty (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Erickson Advantage Liberty (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 carry a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Erickson Advantage Liberty (HMO-POS) with no coinsurance, though prior authorization is required. Diagnostic tests and procedures have a $20 copay, outpatient x-rays have a $30 copay, and therapeutic radiological services require a minimum $75 copay, while lab services and diagnostic radiological services are offered with no copay.
Home Health Services See details
Home Health Services are covered by Erickson Advantage Liberty (HMO-POS) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Erickson Advantage Liberty (HMO-POS) covers some cardiac rehabilitation services with no copay and no coinsurance, though prior authorization is required. However, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy for symptomatic peripheral artery disease services are not covered.
Skilled Nursing Facility (SNF) See details
Erickson Advantage Liberty (HMO-POS) covers Skilled Nursing Facility (SNF) services for days 1 through 100 with no copay and no coinsurance, though prior authorization is required. A prior three-day inpatient hospital stay is not required for admission, but additional days beyond the standard 100 days are not covered.
Other Services See details
Erickson Advantage Liberty (HMO-POS) notes that some services are covered under its other services benefit, but acupuncture, over-the-counter (OTC) items, and meal benefits are not covered.
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