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 Portland Counties and Lane County. This plan received an overall rating of 2 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.
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:
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 robust coverage with no copay or coinsurance for primary care visits, physical therapy, and annual preventive services. For hospital stays, members pay a daily copay of $100 for the first five days of inpatient care and no copay for days six through ninety, while emergency room visits carry a $125 copay. Outpatient ambulatory surgical services and specialist visits are also highly affordable, requiring copays of only $25. This plan also features excellent supplemental benefits, including no copay and no coinsurance for routine dental, vision, and hearing care. Members receive helpful allowances like $400 every three months for dental services, up to $200 annually for eyeglasses, and a $150 quarterly over-the-counter benefit. Additionally, the plan covers up to 24 one-way transportation trips per year and home health services with no copay.
Inpatient Hospital See details
ATRIO Freedom (PPO) covers inpatient hospital services with no coinsurance, requiring a $100 daily copay for days 1-5 and no copay for days 6-90 for both acute and psychiatric stays. While unlimited additional acute hospital days are covered at no copay, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered under ATRIO Freedom (PPO) with no coinsurance, featuring a $350 copay for outpatient hospital services, a $100 daily copay for observation services, and a $25 copay for ambulatory surgical center services. Outpatient substance abuse services require a $10 copay with no coinsurance, while outpatient blood services are provided with no copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization services are covered by ATRIO Freedom (PPO) with a $55.00 copay and no coinsurance.
Ambulance and Transportation Services See details
ATRIO Freedom (PPO) covers ambulance services with a $300 copay and no coinsurance for both ground and air transport. Transportation services are partially covered, offering up to 24 one-way trips per year to plan-approved health-related locations with no copay or coinsurance, while trips to any other health-related locations are not covered.
Emergency Services See details
ATRIO Freedom (PPO) covers emergency services with a $125 copay and no coinsurance, and urgently needed services with a $30 copay and no coinsurance. Worldwide emergency and urgent services are partially covered up to a $250,000 maximum with a $120 copay and no coinsurance, though worldwide emergency transportation is not covered.
Primary Care See details
Primary care benefits offered by ATRIO Freedom (PPO) feature no copay and no coinsurance for primary care visits, occupational therapy, and physical therapy. Specialist visits require a $25 copay, and routine chiropractic, mental health, psychiatric, and opioid treatment services have a $10 copay with no coinsurance, though podiatry and non-routine chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by ATRIO Freedom (PPO) with no copay and no coinsurance for covered care, including annual physical exams, kidney disease education, and select screenings. While alternative therapies, memory fitness, and personal emergency response systems are covered, excluded sub-services include health education, in-home safety assessments, medical nutrition therapy, medication reconciliation, readmission prevention, chemotherapy wigs, weight management, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home safety modifications, and counseling.
Hearing Services See details
ATRIO Freedom (PPO) partially covers hearing services with no copay and no coinsurance for routine exams and prescription hearing aids, which feature a $1,500 annual maximum benefit. However, OTC hearing aids and inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
ATRIO Freedom (PPO) offers partially covered vision services with no copay and no coinsurance, featuring one routine eye exam per year and annual eyewear allowances of $100 for contact lenses and $200 for eyeglasses (lenses and frames). Other eye exam services, standalone eyeglass lenses, and standalone eyeglass frames are not covered.
Dental Services See details
Dental services are covered by ATRIO Freedom (PPO) with no copay and no coinsurance for all preventive and comprehensive care, including exams, cleanings, restorative services, implants, and orthodontics. These benefits apply to both in-network and out-of-network services, subject to a maximum coverage limit of $400 every three months.
Home Infusion bundled Services See details
Home infusion bundled services are covered by ATRIO Freedom (PPO) with no copay and no coinsurance, subject to prior authorization. Associated Medicare Part B chemotherapy, radiation, and other drugs carry no copay and 0% to 20% coinsurance, while covered Part B insulin requires a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by the ATRIO Freedom (PPO) plan with no copay and a 20% coinsurance.
Medical Equipment See details
ATRIO Freedom (PPO) partially covers medical equipment with no copay and 20% coinsurance, with prior authorization required for these services. While durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts are covered, diabetic supplies are not covered.
Diagnostic and Radiological Services See details
ATRIO Freedom (PPO) partially covers diagnostic and radiological services with prior authorization required, excluding diagnostic procedures, lab services, and outpatient X-rays. Covered diagnostic and diagnostic radiological services require no copay or coinsurance, while therapeutic radiological services require a copay and 20% coinsurance.
Home Health Services See details
Home health services are covered by ATRIO Freedom (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under ATRIO Freedom (PPO) with a $5 copay and no coinsurance, though prior authorization is required. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by ATRIO Freedom (PPO) with no coinsurance, requiring no copay for days 1 to 20 and a $100 daily copay for days 21 to 100. Prior authorization is required, a three-day prior hospital stay is not necessary, and additional days beyond the 100-day limit are not covered.
Other Services See details
ATRIO Freedom (PPO) covers other services including acupuncture, annual wellness visits, meals after hospitalization or for chronic illness, and over-the-counter (OTC) items with no copay and no coinsurance. The OTC benefit provides up to $150 every three months, though nicotine replacement therapy and naloxone are not covered.
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