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Liberty Medicare Dual Plan (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Liberty Medicare Dual Plan (HMO D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Liberty Medicare Dual Plan (HMO D-SNP) in 2026, please refer to our full plan details page.
Liberty Medicare Dual Plan (HMO D-SNP) is a HMO D-SNP plan offered by Liberty Healthcare Insurance available for enrollment in 2025 to people living in North Carolina (partial). This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that Liberty Medicare Dual Plan (HMO D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Liberty Medicare Dual Plan (HMO D-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Liberty Medicare Dual Plan (HMO D-SNP).
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 Liberty Medicare Dual Plan (HMO D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $14.70. 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 $615.00 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 $7550.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 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 Liberty Medicare Dual Plan (HMO D-SNP) features an annual prescription drug deductible of $615. This deductible must be met before the plan begins to cover the cost of your prescription medications. Specific drug coverage tier details, including individual copayments and coinsurance amounts, are currently unavailable for this plan. To get the most accurate cost-sharing information for your specific prescriptions, we recommend contacting the plan provider directly.
Additional Benefits
The Liberty Medicare Dual Plan (HMO D-SNP) offers comprehensive medical coverage, with many essential services requiring no copay and no coinsurance, including inpatient hospital stays, skilled nursing facility care, and home health services. For outpatient hospital visits, primary care, emergency services, and medical equipment, members will pay no copay and a 20% coinsurance. This plan also includes valuable supplemental benefits, such as dental care covered up to a $2,500 annual limit and routine hearing and vision services with no copay and no coinsurance. Additionally, members can access a personal emergency response system and up to 20 one-way transportation trips per year to plan-approved locations at no cost.
Inpatient Hospital See details
Liberty Medicare Dual Plan (HMO D-SNP) partially covers inpatient acute and psychiatric hospital services with no copay and no coinsurance, though prior authorization is required. Additional days, non-Medicare-covered stays, and upgrades are not covered under this plan.
Outpatient Services See details
Liberty Medicare Dual Plan (HMO D-SNP) covers outpatient services, including outpatient hospital, ambulatory surgical center, outpatient substance abuse, and blood services, with no copay and a 20% coinsurance. Prior authorization is required for outpatient hospital, ambulatory surgical center, and substance abuse services.
Partial Hospitalization See details
Partial hospitalization services are covered under the Liberty Medicare Dual Plan (HMO D-SNP) with no copay and a 20% coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered under the Liberty Medicare Dual Plan (HMO D-SNP), offering ground and air ambulance services with a 20% coinsurance and no copay. Transportation services are partially covered with no copay and no coinsurance for up to 20 one-way trips per year to plan-approved locations, though transportation to any health-related location is not covered.
Emergency Services See details
Liberty Medicare Dual Plan (HMO D-SNP) covers emergency and urgently needed services with a 20% coinsurance and no copay, which is waived if you are admitted to the hospital within three days. These cost-sharing amounts count toward your plan-level deductible, but worldwide emergency, urgent, and transportation services are not covered.
Primary Care See details
Liberty Medicare Dual Plan (HMO D-SNP) covers primary care, specialist, telehealth, and outpatient therapy services with no copay and a 20% coinsurance, while opioid treatment is covered with no copay and no coinsurance. Chiropractic services are not covered, and routine podiatry is limited to four visits per year with no copay and a 20% coinsurance.
Preventive Services See details
Preventive services are covered by the Liberty Medicare Dual Plan (HMO D-SNP), with no copay and no coinsurance for kidney disease education and screenings, and no copay with 20% coinsurance for annual physical exams. Additional preventive benefits are partially covered, offering a Personal Emergency Response System (PERS) with no copay and no coinsurance, but excluding fitness benefits, health education, in-home support, and nutritional counseling.
Hearing Services See details
Liberty Medicare Dual Plan (HMO D-SNP) covers hearing services with no copay and no coinsurance, including one routine hearing exam annually and prescription hearing aids up to $2,500 every three years, subject to prior authorization. Please note that OTC hearing aids, as well as inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
Vision services are partially covered by Liberty Medicare Dual Plan (HMO D-SNP) with no copay and no coinsurance, offering one routine eye exam per year and a $300 maximum eyewear benefit every two years. Other eye exam services are not covered.
Dental Services See details
Liberty Medicare Dual Plan (HMO D-SNP) dental services are partially covered, featuring Medicare-covered dental care with no copay and a 20% coinsurance, and other covered services with no copay and no coinsurance up to a $2,500 annual maximum. Most preventive and comprehensive services are covered, though adjunctive general services and orthodontics are not covered.
Home Infusion bundled Services See details
Liberty Medicare Dual Plan (HMO D-SNP) covers home infusion bundled services with no copay, although prior authorization is required. Covered Part B chemotherapy, radiation, and other drugs require no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin drugs have a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis Services are covered under the Liberty Medicare Dual Plan (HMO D-SNP) with no copay and a 20% coinsurance. Prior authorization is required to receive these services.
Medical Equipment See details
Medical equipment is covered by Liberty Medicare Dual Plan (HMO D-SNP) with no copay and a 20% coinsurance, though prior authorization is required. This benefit is partially covered, as diabetic therapeutic shoes and inserts are not covered under the plan.
Diagnostic and Radiological Services See details
Liberty Medicare Dual Plan (HMO D-SNP) covers diagnostic and radiological services, including lab work, X-rays, and therapeutic radiology, with prior authorization required. Members will pay no copay and a 20% coinsurance for these covered outpatient services.
Home Health Services See details
Liberty Medicare Dual Plan (HMO D-SNP) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by Liberty Medicare Dual Plan (HMO D-SNP) with no copay and prior authorization, though some services are covered under a 20% coinsurance. Standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered at the zero-cost rate and instead require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Liberty Medicare Dual Plan (HMO D-SNP) partially covers Skilled Nursing Facility (SNF) services 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 Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by the Liberty Medicare Dual Plan (HMO D-SNP), which offers a chronic illness meal benefit with no copay and no coinsurance. Acupuncture and over-the-counter (OTC) items are not covered under this benefit.
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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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