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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 2025, 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 2025.
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 $72.30. 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 $590.00 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 $9350.00 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) has a $590 deductible for prescription drugs. Once you meet your deductible, you will pay the cost-sharing amounts for your prescriptions. This plan's premium may be reduced if you qualify for the low-income subsidy (LIS). The monthly premium for Part D is $72.30 for those with LIS.
Additional Benefits
The Longevity Health Plan (HMO I-SNP) offers a range of benefits with varying cost-sharing. Inpatient and outpatient services, including partial hospitalization, have coinsurance requirements. Emergency services have a $110 copay. This plan covers a variety of services, including primary care, hearing, vision, and dental services, with coinsurance or maximum benefit limits applying. It also provides coverage for home health, dialysis, medical equipment, and diagnostic services with coinsurance, along with transportation and over-the-counter items.
Inpatient Hospital See details
Inpatient Hospital benefits, including Acute and Psychiatric, are covered, with prior authorization and a doctor referral required for Acute services. Coinsurance applies for these services, and additional days, non-Medicare-covered stays, and upgrades are not covered.
Outpatient Services See details
Outpatient services include coverage for outpatient hospital services with a coinsurance between 0% and 20%, and observation services with a 20% coinsurance. Ambulatory Surgical Center services have a coinsurance between 0% and 20%, and outpatient substance abuse services, including both individual and group sessions, have a coinsurance between 20% and 20%. Outpatient blood services are not covered.
Partial Hospitalization See details
Partial Hospitalization is covered, but requires prior authorization. You will pay 20% coinsurance for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Longevity Health Plan (HMO I-SNP), including ground and air ambulance services with a 20% coinsurance and no copay. Transportation services to a plan-approved health-related location are covered for 16 one-way trips per year, but transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services are covered by the Longevity Health Plan (HMO I-SNP) with a $110 copay, and no coinsurance. Urgently Needed Services are covered with a 20% coinsurance and no copay, while Worldwide Emergency Services are not covered.
Primary Care See details
The Longevity Health Plan (HMO I-SNP) covers Primary Care Physician Services, Occupational Therapy Services, and Physical Therapy and Speech-Language Pathology Services. Chiropractic Services, Physician Specialist Services, Mental Health Specialty Services, Other Health Care Professional, Psychiatric Services, and Additional Telehealth Benefits are covered with coinsurance ranging from 0% to 20%. Podiatry Services and Opioid Treatment Program Services are also covered. Routine Chiropractic Care is not covered.
Preventive Services See details
The Longevity Health Plan (HMO I-SNP) covers preventive services, but does not cover annual physical exams, health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge in-home medication reconciliation, re-admission prevention, wigs for hair loss related to chemotherapy, weight management programs, alternative therapies, 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, fitness benefits, enhanced disease management, telemonitoring services, remote access technologies, home and bathroom safety devices and modifications, or counseling services. Glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKGs following a welcome visit are covered.
Hearing Services See details
Hearing Services include routine hearing exams with a coinsurance of at most 20%, and fitting/evaluation for hearing aids. Prescription hearing aids (all types) and OTC hearing aids are covered, with a maximum benefit of $1300 every three years, but prescription hearing aids for the inner ear, outer ear, and over the ear are not covered.
Vision Services See details
Vision Services include coverage for eye exams with 20% coinsurance, and eyewear. Eyewear coverage includes contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades. Eyewear has a combined maximum benefit of $100 every two years.
Dental Services See details
The Longevity Health Plan (HMO I-SNP) covers Dental Services with 20% coinsurance for Medicare Dental Services, and other dental services are covered up to a maximum of $2850 per year. The plan covers Oral Exams, Dental X-Rays, Other Diagnostic Dental Services, Prophylaxis (Cleaning), Fluoride Treatment, Other Preventive Dental Services, Restorative Services, Adjunctive General Services, Endodontics, Periodontics, Prosthodontics (removable and fixed), Maxillofacial Prosthetics, Implant Services, Oral and Maxillofacial Surgery, and Orthodontics.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including insulin, Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the Longevity Health Plan (HMO I-SNP) with a coinsurance of 20%.
Medical Equipment See details
Medical Equipment coverage includes Durable Medical Equipment (DME) with a 20% coinsurance and requires authorization, Prosthetics/Medical Supplies with a 20% coinsurance, and Diabetic Equipment, including Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts, each with a 20% coinsurance. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered under the Longevity Health Plan (HMO I-SNP), with no copay for all services. Diagnostic Procedures/Tests, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services have a coinsurance of at most 20%, and Lab Services are not covered.
Home Health Services See details
Home Health Services are covered by the Longevity Health Plan (HMO I-SNP) with no copay and no coinsurance, but additional hours of care and personal care services are not covered. Authorization is required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but not in practice. Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, but additional days beyond what Medicare covers, as well as non-Medicare-covered stays, are not covered. Prior authorization is required.
Other Services See details
Other Services include Over-the-Counter (OTC) Items, with a maximum benefit coverage of $230 every three months. However, acupuncture, meal benefits, 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 are not covered.
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