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Alterwood Advantage Freedom (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Alterwood Advantage Freedom (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Alterwood Advantage Freedom (HMO) in 2026, please refer to our full plan details page.
Alterwood Advantage Freedom (HMO) is a HMO plan offered by LifeBridge Health, Inc. available for enrollment in 2025 to people living in Select Maryland Counties. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that Alterwood Advantage Freedom (HMO) 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 Alterwood Advantage Freedom (HMO).
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 Alterwood Advantage Freedom (HMO), 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. Additionally, this plan comes with a Part B Premium reduction of $75.00. You must continue to pay paying your reduced 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 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
Prescription drugs are not covered by Alterwood Advantage Freedom (HMO).
Additional Benefits
The Alterwood Advantage Freedom (HMO) plan offers comprehensive medical coverage featuring no copay and no coinsurance for primary care visits, routine vision exams, and home health services. For inpatient hospital stays, members pay a daily copay of $345 for acute care and $335 for psychiatric care during the first six days, transitioning to no copay for days 7 through 90. Outpatient surgical services and specialist visits are also covered, with specialist copays ranging from $15 to $40 and outpatient hospital copays between $300 and $750. This plan also provides valuable supplemental benefits, including a $1,500 dental allowance with no copay for preventive care and a 20% coinsurance for comprehensive dental services. Routine hearing exams, over-the-counter items, and meal benefits are available with no copay, while emergency room visits require a $115 copay. Additionally, skilled nursing facility stays are covered with no copay for the first 20 days, ensuring affordable recovery care when it is needed most.
Inpatient Hospital See details
Alterwood Advantage Freedom (HMO) partially covers inpatient hospital services with no coinsurance, requiring prior authorization for both acute and psychiatric stays. Acute stays require a $345 daily copay for days 1 to 6 (no copay for days 7 to 90), while psychiatric stays require a $335 daily copay for days 1 to 6 (no copay for days 7 to 90); additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Alterwood Advantage Freedom (HMO) covers outpatient services with no coinsurance, featuring copays of $300 to $750 for outpatient hospital services and $280 to $700 per stay for observation services. Ambulatory surgical center services require a $50 copay with no coinsurance, outpatient substance abuse sessions have a $30 to $40 copay with no coinsurance, and outpatient blood services are provided with no copay and no coinsurance.
Partial Hospitalization See details
Alterwood Advantage Freedom (HMO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by Alterwood Advantage Freedom (HMO), featuring a $235 copay for ground ambulance and a $300 copay for air ambulance with no coinsurance, though prior authorization is required. While transportation services are technically covered, some services are not covered in practice, specifically transportation to plan-approved or any other health-related locations.
Emergency Services See details
Alterwood Advantage Freedom (HMO) covers emergency services with a $115 copay and no coinsurance, and urgently needed services with a $35 copay and no coinsurance. Although worldwide emergency services are technically covered, worldwide emergency coverage, worldwide urgent coverage, and worldwide emergency transportation are not covered in practice.
Primary Care See details
Alterwood Advantage Freedom (HMO) covers primary care physician and telehealth services with no copay and no coinsurance. Specialist visits, physical therapy, chiropractic care, and mental health services are also covered with copays ranging from $15 to $40 and no coinsurance, though prior authorization is required for select services.
Preventive Services See details
Alterwood Advantage Freedom (HMO) preventive services are partially covered with no copay and no coinsurance for services such as kidney disease education, diabetes self-management, and a $200 annual fitness benefit. However, several services are not covered, including annual physical exams, health education, in-home safety assessments, and personal emergency response systems.
Hearing Services See details
Alterwood Advantage Freedom (HMO) covers hearing services, featuring Medicare-covered exams for a $40 copay and no coinsurance, as well as routine exams and fitting evaluations with no copay and no coinsurance. Prescription hearing aids are partially covered with a copay ranging from $475 to $1,950 and no coinsurance for up to two devices per year, though inner ear, outer ear, and over the ear prescription aids, as well as OTC hearing aids, are not covered.
Vision Services See details
Alterwood Advantage Freedom (HMO) vision services are partially covered, offering routine eye exams annually with no copay and no coinsurance, while other eye exam services and eyewear upgrades are not covered. Covered eyewear, including eyeglasses and contact lenses, has no copay and a 20% coinsurance for contact lenses up to a $150 yearly maximum.
Dental Services See details
Alterwood Advantage Freedom (HMO) partially covers dental services up to a $1,500 annual maximum, with no copay and no coinsurance for preventive care like exams, cleanings, and x-rays, and a $40 copay and no coinsurance for Medicare-covered dental. Covered comprehensive services, such as restorative, endodontics, periodontics, and oral surgery, require no copay and a 20% coinsurance. Other diagnostic and preventive services, maxillofacial prosthetics, implants, fixed prosthodontics, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Alterwood Advantage Freedom (HMO) with no copay, though prior authorization is required. Medicare Part B insulin drugs require a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs have no copay and a 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by the Alterwood Advantage Freedom (HMO) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Alterwood Advantage Freedom (HMO) covers durable medical equipment, prosthetics, and diabetic equipment with no copay, though prior authorization is required. Most covered items and supplies require a 20% coinsurance, while diabetic supplies range from no coinsurance to 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Alterwood Advantage Freedom (HMO), with prior authorization required for all services. Diagnostic tests and lab services have no copay and no coinsurance, while outpatient X-rays require a $20 copay, diagnostic radiology has a $215 copay, and therapeutic radiology incurs a 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the Alterwood Advantage Freedom (HMO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by Alterwood Advantage Freedom (HMO) with no coinsurance, but some services are covered while standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered. These non-covered services require copays of $30 for cardiac rehabilitation, $40 for intensive cardiac rehabilitation, $25 for pulmonary rehabilitation, and $20 for SET for PAD services.
Skilled Nursing Facility (SNF) See details
Alterwood Advantage Freedom (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and additional days beyond the standard Medicare-covered benefit are not covered.
Other Services See details
Alterwood Advantage Freedom (HMO) partially covers other services, offering over-the-counter (OTC) items and meal benefits with no copay and no coinsurance. Acupuncture is not covered under this benefit.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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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.
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