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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 2025, 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 Reno Suburbs. This plan received an overall rating of 3 out of 5 stars in 2025.
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.
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.
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 $4150.00 (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 $4150.00 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:
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Drug Coverage
Prescription drugs are not covered by ATRIO Freedom (PPO).
Additional Benefits
The ATRIO Freedom (PPO) plan offers comprehensive coverage with a focus on outpatient services and preventive care. The plan includes no copay for inpatient hospital-acute care, a $100 copay for inpatient psychiatric care, and copays ranging from $0 to $350 for outpatient services. Additional benefits include coverage for ambulance services with a $300 copay, routine hearing and vision services, and dental services with a $350 maximum benefit every three months. The plan also covers home health services with no copay, and skilled nursing facility care with no copay for the first 20 days, and a $100 copay for days 21-100.
Inpatient Hospital See details
The ATRIO Freedom (PPO) plan covers Inpatient Hospital services, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. Inpatient Hospital-Acute has no copay for a Medicare-covered stay, and additional days are unlimited with no copay per day, but Non-Medicare-covered stays and upgrades are not covered. Inpatient Hospital Psychiatric has a $100 copay for days 1-5, and no copay for days 6-90, but additional days and Non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient Services includes coverage for Outpatient Hospital Services with a copay between $0 and $350, Observation Services with a $100 copay, Ambulatory Surgical Center (ASC) Services with a $25 copay, Outpatient Substance Abuse Services with a copay of $10 for both individual and group sessions, and Outpatient Blood Services. Prior authorization is required for some services.
Partial Hospitalization See details
Partial hospitalization is covered by the ATRIO Freedom (PPO) plan, with a copay of $55.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the ATRIO Freedom (PPO) plan, with a $300 copay for both ground and air ambulance services. Transportation Services to a plan-approved health-related location are covered for 24 one-way trips per year. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Coverage are covered by the ATRIO Freedom (PPO) plan. Emergency Services has a $125 copay, Urgently Needed Services has a $30 copay, and Worldwide Emergency Coverage and Worldwide Urgent Coverage each have a $120 copay; Worldwide Emergency Transportation is not covered.
Primary Care See details
The ATRIO Freedom (PPO) plan covers primary care physician services, chiropractic services with a $10 copay, occupational therapy services with no copay, physician specialist services with a $25 copay, and mental health services with a $10 copay for individual and group sessions. The plan also covers psychiatric services and opioid treatment program services with a $10 copay for individual and group sessions, physical therapy and speech-language pathology services with no copay, additional telehealth benefits with 0-25% coinsurance, and other health care professionals with a copay between $20.
Preventive Services See details
The ATRIO Freedom (PPO) plan covers preventive services, including annual physical exams, Medicare-covered preventive services, and additional preventive services with prior authorization. The plan also covers Personal Emergency Response Systems (PERS), Alternative Therapies with a maximum benefit of $100 every six months, and Fitness Benefits including memory fitness with a maximum benefit of $100 every year, but does not cover Health Education, In-Home Safety Assessments, Medical Nutrition Therapy, Post discharge In-Home Medication Reconciliation, Re-admission Prevention, Wigs for Hair Loss Related to Chemotherapy, Weight Management Programs, Therapeutic Massage, Adult Day Health Services, Nutritional/Dietary Benefits, Home-Based Palliative Care, In-Home Support Services, Support for Caregivers of Enrollees, Additional Sessions of Smoking and Tobacco Cessation Counseling, Enhanced Disease Management, Telemonitoring Services, Remote Access Technologies, Home and Bathroom Safety Devices and Modifications, or Counseling Services. The plan also covers Kidney Disease Education Services, Glaucoma Screenings, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKGs following a Welcome Visit.
Hearing Services See details
Hearing services include hearing exams, routine hearing exams (1 per year), and fitting/evaluation for hearing aids, all of which are covered. Prescription hearing aids are covered up to $1,500 per year for in-network services, but prescription hearing aids for the inner ear, outer ear, and over the ear are not covered, and OTC hearing aids are not covered.
Vision Services See details
The ATRIO Freedom (PPO) plan covers vision services, including routine eye exams with one visit per year, and eyewear. The plan covers contact lenses with a maximum benefit of $100 per year, and eyeglasses (lenses and frames) with a maximum benefit of $200 per year. Eyeglass lenses and frames are not covered.
Dental Services See details
The ATRIO Freedom (PPO) plan covers a variety of dental services. There is a maximum plan benefit coverage of $350 every three months for both in-network and out-of-network services.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under the ATRIO Freedom (PPO) plan, with prior authorization required. Medicare Part B Insulin Drugs have a $35 copay, with a coinsurance between 0% and 20%. Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the ATRIO Freedom (PPO) plan, with a coinsurance between 20% and 20%.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance, and Prosthetic Devices have a 20% coinsurance. Medical Supplies have a 20% coinsurance, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance. Durable Medical Equipment for use outside the home and Diabetic Supplies are not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, but Diagnostic Procedures/Tests, and Lab Services are not covered. Diagnostic Radiological Services have a copay of at most $60.00, and Therapeutic Radiological Services have a copay of at most $20.00, while Outpatient X-Ray Services are not covered.
Home Health Services See details
Home Health Services are covered by the ATRIO Freedom (PPO) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered. Prior authorization is required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the ATRIO Freedom (PPO) plan. Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are also not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered with prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $100. Additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
Other Services include coverage for acupuncture, over-the-counter items, a meal benefit, and an annual wellness visit. Acupuncture has a maximum benefit coverage amount of $100 every six months. Over-the-counter items have a maximum benefit coverage amount of $100 every three months. The meal benefit requires prior authorization. The following services are not covered: Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services.
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