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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 2025 to people living in New York (partial). This plan received an overall rating of 3 out of 5 stars in 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 $58.80. 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 means plan members must pay this deductible amount out-of-pocket for covered medications before the plan begins to pay its share. Specific drug coverage tier details, including individual copayments and coinsurance rates, are currently unavailable for this plan. To determine your exact costs for specific prescriptions, you should consult the plan's formulary or contact the provider directly.
Additional Benefits
The Longevity Health Plan (HMO I-SNP) offers comprehensive medical coverage featuring no copays for inpatient hospital stays, primary care visits, skilled nursing, and home health services. Most outpatient services, specialist visits, diagnostic tests, and durable medical equipment require no copay and a 20% coinsurance. Emergency care is covered with a $115 copay, which is waived if you are admitted, while urgently needed care carries no copay and a 20% coinsurance up to $40. This plan also includes valuable supplemental benefits, such as preventive and comprehensive dental services with no copay or coinsurance up to a $2,850 annual limit. Vision and hearing benefits offer allowances of up to $250 every two years for eyewear and $1,300 every two years for hearing aids with no copays, though routine exams may require a 20% coinsurance. Additionally, members receive an over-the-counter credit of up to $180 every three months with no copay or coinsurance.
Inpatient Hospital See details
Longevity Health Plan (HMO I-SNP) covers inpatient acute and psychiatric hospital services with no copay, though Medicare-defined coinsurance and cost sharing apply. Prior authorization is required for these services, and additional days, upgrades, or non-Medicare-covered stays are not covered.
Outpatient Services See details
Longevity Health Plan (HMO I-SNP) covers outpatient services, including outpatient hospital, observation, ambulatory surgical center, substance abuse, and blood services, with no copay and a 20% coinsurance. Prior authorization is required for most of these outpatient services, and there is no deductible for blood services.
Partial Hospitalization See details
Partial hospitalization services are covered by Longevity Health Plan (HMO I-SNP) with no copay and a 20% coinsurance, though prior authorization is required.
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 to health-related locations are not covered under this plan.
Emergency Services See details
Longevity Health Plan (HMO I-SNP) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within three days. Urgently needed services are covered with a 20% coinsurance (up to $40 per visit) and no copay, while worldwide emergency, urgent, and transportation services are not covered.
Primary Care See details
Primary care services through Longevity Health Plan (HMO I-SNP) are covered with no copay and no coinsurance for primary care provider visits and opioid treatment. Other covered benefits, including specialist visits, physical and mental health therapies, and telehealth, also feature no copay but carry a coinsurance of up to 20%, while chiropractic services are not covered in practice.
Preventive Services See details
Longevity Health Plan (HMO I-SNP) covers preventive services, including kidney disease education and diabetes self-management training, with no copay and no coinsurance. However, the benefit is only partially covered, as the annual physical exam and additional services—such as fitness benefits, health education, and weight management programs—are not covered.
Hearing Services See details
Longevity Health Plan (HMO I-SNP) covers hearing exams and fitting evaluations with no copay, though routine exams require a 20% coinsurance. Hearing aids are partially covered with no copay and no coinsurance (prior authorization required), offering up to $1,300 every two years for prescription aids, though inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by Longevity Health Plan (HMO I-SNP) because other eye exam services are excluded. One routine eye exam is covered annually with no copay, 20% coinsurance, and no deductible, while eyewear is covered up to a $250 maximum limit every two years with no copay, no coinsurance, and no deductible.
Dental Services See details
Longevity Health Plan (HMO I-SNP) covers Medicare-covered dental services with no copay and a 20% coinsurance, while other preventive and comprehensive dental services are covered with no copay and no coinsurance up to a $2,850 annual maximum. These fully covered benefits include oral exams, cleanings, x-rays, fillings, endodontics, periodontics, implants, and orthodontics.
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 chemotherapy, radiation, and other drugs have no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin requires a $35 copay and up to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by Longevity Health Plan (HMO I-SNP) 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 benefits, and there are no restrictions on preferred vendors or manufacturers.
Diagnostic and Radiological Services See details
Longevity Health Plan (HMO I-SNP) partially covers diagnostic and radiological services with no copays and a 20% coinsurance for diagnostic tests, radiological services, and outpatient X-rays, subject to prior authorization. Lab services are not covered under this plan.
Home Health Services See details
Longevity Health Plan (HMO I-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 Longevity Health Plan (HMO I-SNP) with no copay and prior authorization required. Although some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered in practice and carry a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is 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 prior to admission. This benefit is limited to standard Medicare-covered days, as additional days beyond the Medicare limit are not covered.
Other Services See details
Other services are partially covered by Longevity Health Plan (HMO I-SNP), featuring over-the-counter (OTC) items with no copay and no coinsurance up to a maximum benefit of $180 every three months. Acupuncture, meal benefits, nicotine replacement therapy, and naloxone are not covered under this benefit.
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