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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 Illinois (partial). This plan received an overall rating of 5 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 $22.80. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $0.40. 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.
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. After the deductible, you'll pay the costs for your prescriptions based on their tier and the pharmacy you use until your total drug costs reach $2000. Once your total drug costs reach $2000, you enter the catastrophic coverage phase, and you will pay nothing for your covered Part D drugs. If you qualify for the low-income subsidy, you'll pay $22.80 per month for Part D.
Additional Benefits
The Longevity Health Plan (HMO I-SNP) offers a range of benefits, including no copay for primary care, preventive services, and home health services. Outpatient services, including emergency services, have coinsurance costs, as well as specialized services like hearing, vision, and dental. The plan also provides coverage for medical equipment, home infusion services, dialysis, and diagnostic and radiological services, but prior authorization may be required for some services. Additional benefits include coverage for hearing exams, and hearing aids, as well as vision exams and eyewear. Dental services are partially covered and the plan also offers an Over-the-Counter (OTC) Items benefit. This plan has some limitations, such as not covering annual physical exams, and certain types of hearing aids.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered, but additional days, non-Medicare-covered stays, and upgrades are not covered. Both inpatient hospital services require prior authorization and a doctor's referral and have coinsurance costs as defined by Medicare.
Outpatient Services See details
Outpatient Services include coverage for Outpatient Hospital Services and Observation Services with a 20% coinsurance, as well as Ambulatory Surgical Center (ASC) Services and Outpatient Substance Abuse Services, both of which have a coinsurance of at least 20%. Outpatient Blood Services are not covered.
Partial Hospitalization See details
Partial Hospitalization is covered by the Longevity Health Plan (HMO I-SNP), but requires prior authorization. You will pay 20% coinsurance for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required for all ambulance services. Ground and air ambulance services have a 20% coinsurance, but there is no copay. Transportation services to a plan-approved health-related location are covered for up to 24 one-way trips per year, while transportation to any health-related location is not covered.
Emergency Services See details
Emergency Services are covered by the Longevity Health Plan (HMO I-SNP) with a $110 copay, and Urgently Needed Services are covered with a 20% coinsurance and no copay. Worldwide Emergency Services, Worldwide Urgent Coverage, and Worldwide Emergency Transportation are not covered.
Primary Care See details
The Longevity Health Plan (HMO I-SNP) covers primary care physician services, occupational therapy, and physical therapy with no copay, but with 20% coinsurance for chiropractic services, physical therapy, and telehealth services. The plan also covers mental health and psychiatric services with a 20% coinsurance, and podiatry services with 20% coinsurance for routine foot care. Individual and group sessions for psychiatric services, and individual sessions for mental health services have a 20% coinsurance. Other Health Care Professional services have a coinsurance between 0% and 20%.
Preventive Services See details
The Longevity Health Plan (HMO I-SNP) covers Medicare-covered preventive services with no copay, but does not cover annual physical exams. Other preventive services are not covered, including health education, in-home safety assessments, and many others.
Hearing Services See details
The Longevity Health Plan (HMO I-SNP) offers coverage for hearing exams with a coinsurance of at most 20%, routine hearing exams (1 per year), and fitting/evaluation for hearing aids. Prescription hearing aids (all types) and OTC hearing aids are covered up to a maximum of $2200 every two years. Prescription hearing aids for the inner ear, outer ear, and over the ear are not covered.
Vision Services See details
The Longevity Health Plan (HMO I-SNP) offers vision services including eye exams with 20% coinsurance, and eyewear with a combined maximum benefit of $300 every two years. The plan also covers contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades.
Dental Services See details
Dental services are partially covered by the Longevity Health Plan (HMO I-SNP). Medicare Dental Services are covered with a 20% coinsurance, but Orthodontic Services, Restorative Services, Adjunctive General Services, Endodontics, Periodontics, Prosthodontics (removable and fixed), Maxillofacial Prosthetics, Implant Services, Oral and Maxillofacial Surgery, and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, with prior authorization required. For Medicare Part B Insulin Drugs, you will pay a $35 copay, and coinsurance between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is 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 is covered by the Longevity Health Plan (HMO I-SNP). Durable Medical Equipment (DME) has a 20% coinsurance, and requires authorization, while Durable Medical Equipment for use outside the home is not covered. Prosthetic Devices and Medical Supplies are covered with a 20% coinsurance, and Diabetic Equipment is covered with a 20% coinsurance for Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered under the Longevity Health Plan (HMO I-SNP), with no copay for any services. Diagnostic Procedures/Tests, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services have a coinsurance of at most 20%, while 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. This benefit requires authorization.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover any of the specific services offered. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, but additional days beyond what Medicare covers and non-Medicare-covered stays are not covered. Prior authorization is required.
Other Services See details
The Longevity Health Plan (HMO I-SNP) offers Over-the-Counter (OTC) Items with a maximum plan benefit coverage amount of $350 every three months. However, the plan does not cover Acupuncture, Meal Benefit, 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.
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