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Longevity Health Plan (HMO I-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Longevity Health Plan (HMO I-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Longevity Health Plan (HMO I-SNP) in 2026, please refer to our full plan details page.
Longevity Health Plan (HMO I-SNP) is a HMO I-SNP plan offered by Longevity Health Founders, LLC available for enrollment in 2026 to people living in MI (Partial). The overall rating for this plan is not yet available for 2026.
It's important to know that Longevity Health Plan (HMO I-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Longevity Health Plan (HMO I-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 Longevity Health Plan (HMO I-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 Longevity Health Plan (HMO I-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $8.80. 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 $9250.00 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 Longevity Health Plan (HMO I-SNP) features an annual prescription drug deductible of $615. This deductible must be met before the plan begins to pay for your covered prescription medications. Specific drug coverage tier details, including individual copayments and coinsurance rates, are currently unavailable for this plan. To determine your exact out-of-pocket costs, it is recommended to review the plan's formulary for your specific medications.
Additional Benefits
The Longevity Health Plan (HMO I-SNP) offers robust coverage for essential medical needs, featuring no copays for primary care, inpatient hospital stays, and home health care. Many outpatient services, diagnostic tests, and specialist visits also require no copay but are subject to a 20% coinsurance. Emergency room visits carry a $115 copay, which is waived if you are admitted to the hospital within three days. For supplemental care, this plan provides comprehensive dental coverage with no copay or coinsurance up to a $4,000 annual limit. Members also enjoy vision and hearing benefits with no copays, including a $175 eyewear allowance every two years and covered hearing aids. Additionally, the plan includes a $125 quarterly over-the-counter allowance with no copay and up to 16 free one-way transportation trips per year to approved locations.
Inpatient Hospital See details
Longevity Health Plan (HMO I-SNP) covers inpatient acute and psychiatric hospital services with no copay, though Medicare-defined cost-sharing, prior authorization, and referrals are required. This benefit is partially covered, as additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Longevity Health Plan (HMO I-SNP) covers outpatient services—including outpatient hospital, ambulatory surgical center, substance abuse, and blood services—with no copay and a 20% coinsurance. Prior authorization is required for outpatient hospital, ambulatory surgical center, and outpatient substance abuse services.
Partial Hospitalization See details
Partial hospitalization is covered by Longevity Health Plan (HMO I-SNP) with no copay and a 20% coinsurance. Prior authorization is required to access these services.
Ambulance and Transportation Services See details
Longevity Health Plan (HMO I-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay, subject to prior authorization. Transportation services are partially covered with no copay and no coinsurance for up to 16 one-way trips per year to plan-approved locations, though transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by Longevity Health Plan (HMO I-SNP) with a $115 copay and no coinsurance, while urgently needed services require a 20% coinsurance (up to $40) and no copay. Both cost shares are waived if you are admitted to the hospital within three days, though worldwide emergency, urgent, and transportation services are not covered.
Primary Care See details
Longevity Health Plan (HMO I-SNP) covers primary care, occupational therapy, physical therapy, and opioid treatment services with no copay and no coinsurance. Specialist, mental health, psychiatric, podiatry, and telehealth services are also covered with no copay and coinsurance ranging from 0% to 20%, though chiropractic services are not covered in practice since routine and other chiropractic care are excluded.
Preventive Services See details
Preventive Services are partially covered by Longevity Health Plan (HMO I-SNP) with no copay and no coinsurance for covered services, including kidney disease education and glaucoma screenings. However, an annual physical exam and additional preventive services such as fitness benefits, health education, and in-home safety assessments are not covered.
Hearing Services See details
Hearing services are covered by Longevity Health Plan (HMO I-SNP) with no copay for exams, though routine exams require a 20% coinsurance. Prescription and OTC hearing aids feature no copay and no coinsurance, but prescription aids are only partially covered since inner ear, outer ear, and over the ear types are not covered.
Vision Services See details
Longevity Health Plan (HMO I-SNP) vision services cover one routine eye exam per year with no copay, a 20% coinsurance, and no deductible, though other eye exam services are not covered. Eyewear is covered with no copay, no coinsurance, and no deductible, offering a combined maximum benefit of $175 every two years for contacts, eyeglasses, lenses, frames, and upgrades.
Dental Services See details
Longevity Health Plan (HMO I-SNP) provides dental services with no copay and no coinsurance for preventive and comprehensive care, up to a maximum annual benefit of $4,000. Medicare-covered dental services are also available with no copay and a 20% coinsurance, subject to prior authorization.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Longevity Health Plan (HMO I-SNP) with no copay, though prior authorization is required. Associated Medicare Part B drugs—including chemotherapy, radiation, and insulin—require a coinsurance ranging from no coinsurance to 20% coinsurance, with insulin also having a $35 copay.
Dialysis Services See details
Longevity Health Plan (HMO I-SNP) covers Dialysis Services with no copay and a 20% coinsurance.
Medical Equipment See details
Longevity Health Plan (HMO I-SNP) covers durable medical equipment, prosthetics, medical supplies, and diabetic equipment with no copay and a 20% coinsurance. Prior authorization is required for these covered benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Longevity Health Plan (HMO I-SNP) with a 20% coinsurance and no copay, though prior authorization is required. This benefit is partially covered because laboratory services are not covered, while diagnostic procedures, radiological services, and outpatient X-rays are covered.
Home Health Services See details
Home Health Services are covered by Longevity Health Plan (HMO I-SNP) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered by Longevity Health Plan (HMO I-SNP) with no copay and require prior authorization, though in practice only some services are covered. Specifically, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Longevity Health Plan (HMO I-SNP) with no copay and no coinsurance, though prior authorization and a three-day inpatient hospital stay are required. Additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other Services for the Longevity Health Plan (HMO I-SNP) are partially covered, offering an Over-the-Counter (OTC) benefit of $125 every three months with no copay and no coinsurance. Acupuncture, meal benefits, Nicotine Replacement Therapy, and Naloxone are not covered.
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