A non-government entity
ATRIO Freedom (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for ATRIO Freedom (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on ATRIO Freedom (PPO) in 2026, please refer to our full plan details page.
ATRIO Freedom (PPO) is a PPO plan offered by ATRIO Health Plans available for enrollment in 2025 to people living in Douglas County. This plan received an overall rating of 2.5 out of 5 stars in 2026.
It's important to know that ATRIO Freedom (PPO) 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 ATRIO Freedom (PPO).
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 ATRIO Freedom (PPO), 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 $25.00. 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 combined Maximum Out-Of-Pocket cost of $6500.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $6500.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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:
Sign up for ATRIO Freedom (PPO)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
Prescription drugs are not covered by ATRIO Freedom (PPO).
Additional Benefits
The ATRIO Freedom (PPO) plan offers comprehensive medical coverage featuring no copay for primary care visits, preventive services, and home health care. Specialist visits require a $25 copay, while emergency room visits carry a $125 copay that is waived if you are admitted to the hospital. For inpatient hospital stays, members pay a daily copay for the first seven days of acute care, followed by no copay for additional days. This plan also provides valuable supplemental benefits, including routine dental care with no copay up to a $400 maximum limit every six months. Routine eye exams are available for a $45 copay, with covered eyewear featuring no copay up to a $150 annual maximum. Additionally, members can access up to 24 one-way transportation trips per year with no copay and receive a $50 quarterly over-the-counter allowance.
Inpatient Hospital See details
ATRIO Freedom (PPO) provides partially covered inpatient hospital services with no coinsurance, excluding upgrades, non-Medicare-covered stays, and additional psychiatric days. Acute care requires a $275 daily copay for days 1 to 7 and no copay for additional days, while psychiatric care requires a $225 daily copay for days 1 to 7 and no copay for days 8 to 90.
Outpatient Services See details
ATRIO Freedom (PPO) covers outpatient hospital services with a 20% coinsurance and outpatient observation services with a $275 daily copay. Ambulatory surgical center and outpatient substance abuse services feature no copay and a 20% coinsurance, while outpatient blood services are covered with no copay, no coinsurance, and no deductible.
Partial Hospitalization See details
ATRIO Freedom (PPO) covers partial hospitalization services, requiring either no copay and a 20% coinsurance, or a $55.00 copay and no coinsurance.
Ambulance and Transportation Services See details
ATRIO Freedom (PPO) covers ground and air ambulance services with a $275 copay and no coinsurance. Transportation services are partially covered with no copay and no coinsurance for up to 24 one-way trips per year to plan-approved locations, but transportation to any health-related location is not covered.
Emergency Services See details
ATRIO Freedom (PPO) covers emergency services with a $125 copay and urgently needed services with a $50 copay, both featuring no coinsurance and waived copays if admitted to the hospital within 24 hours. Worldwide emergency and urgent services are partially covered up to a $250,000 limit with a $125 copay and no coinsurance, but worldwide emergency transportation is not covered.
Primary Care See details
ATRIO Freedom (PPO) offers primary care physician services and telehealth with no copay and no coinsurance, while specialist visits, mental health, psychiatric, and therapy services require a $25 copay and no coinsurance. Routine chiropractic care is covered with a $15 copay and no coinsurance, but other chiropractic services and podiatry services are not covered.
Preventive Services See details
ATRIO Freedom (PPO) offers partially covered preventive services with no copay and no coinsurance for covered options, including annual physical exams, kidney disease education, alternative therapies, memory fitness, and personal emergency response systems. Several supplemental services are not covered under this benefit, such as health education, in-home safety assessments, medical nutrition therapy, therapeutic massage, and weight management programs.
Hearing Services See details
ATRIO Freedom (PPO) covers hearing services, including one annual routine exam for a $45 copay and up to two prescription hearing aids per year with copays ranging from $699 to $999, both with no coinsurance. These benefits are partially covered, as over-the-counter (OTC) hearing aids and inner-ear, outer-ear, and over-the-ear prescription devices are not covered.
Vision Services See details
Vision services are partially covered by ATRIO Freedom (PPO), excluding other eye exam services, individual eyeglass lenses, and individual eyeglass frames. Routine eye exams are available for a $45 copay and no coinsurance, while covered eyewear has no copay or coinsurance up to a $150 annual maximum.
Dental Services See details
ATRIO Freedom (PPO) covers Medicare-covered dental services with a $45 copay and no coinsurance. Other preventive and comprehensive dental services, including cleanings, x-rays, and implants, are covered with no copay and no coinsurance up to a combined in-network and out-of-network maximum benefit of $400 every six months.
Home Infusion bundled Services See details
Home infusion bundled services are covered by ATRIO Freedom (PPO) with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs range from no coinsurance up to 20% coinsurance, while Medicare Part B insulin is covered with a $35 copay and up to 20% coinsurance.
Dialysis Services See details
ATRIO Freedom (PPO) covers Dialysis Services with no copay and a 20% coinsurance.
Medical Equipment See details
ATRIO Freedom (PPO) partially covers medical equipment, offering durable medical equipment, prosthetics, and medical supplies with no copay and 20% coinsurance, and diabetic equipment with no copay and no coinsurance. Prior authorization is required for covered items, and diabetic supplies and therapeutic shoes or inserts are not covered.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under ATRIO Freedom (PPO) with prior authorization required. Outpatient diagnostic tests, lab services, and X-rays carry a copay of up to $20 with no coinsurance. Therapeutic radiological services require a 20% coinsurance with no copay, while diagnostic radiological services require a copay with no coinsurance.
Home Health Services See details
ATRIO Freedom (PPO) covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
ATRIO Freedom (PPO) covers cardiac rehabilitation services with no copay, although a 20% coinsurance and prior authorization are required for standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) services.
Skilled Nursing Facility (SNF) See details
ATRIO Freedom (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, a $150 copay for days 21 through 100, and days beyond the standard Medicare limit are not covered.
Other Services See details
Other services are partially covered under the ATRIO Freedom (PPO) plan with no copay and no coinsurance, featuring unlimited acupuncture, an annual wellness visit, qualifying meal benefits, and a $50 quarterly over-the-counter allowance. Nicotine Replacement Therapy (NRT) and Naloxone are not covered under the over-the-counter benefit.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
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.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved