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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 Illinois (partial). This plan received an overall rating of 5 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 $15.20. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $0.20. 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 $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 is the amount you must pay out-of-pocket for your medications before your plan coverage kicks in. Understanding this initial cost is a key factor when comparing Medicare prescription drug plans. Specific drug coverage tier details, including copayments and coinsurance rates for different medication levels, are currently unavailable for this plan. To determine how your specific prescriptions are covered after meeting the deductible, it is best to contact the plan directly. This will help you estimate your total out-of-pocket medication costs more accurately.
Additional Benefits
The Longevity Health Plan (HMO I-SNP) offers many essential medical services with no copays, though some require a 20% coinsurance. For instance, primary care, skilled nursing, and home health services feature no copay and no coinsurance, while outpatient care, diagnostic services, and durable medical equipment carry a 20% coinsurance with no copay. Emergency services are subject to a $115 copay, which is waived if you are admitted to the hospital. For supplemental care, this plan provides a generous $2,200 hearing aid allowance and a $300 vision eyewear limit every two years with no copays or coinsurance. Members also benefit from an over-the-counter allowance of $218 every three months with no copay or coinsurance, alongside up to 24 free one-way transportation trips per year. However, routine dental services and annual physical exams are not covered under this plan.
Inpatient Hospital See details
Longevity Health Plan (HMO I-SNP) partially covers inpatient hospital services, offering acute and psychiatric care with no copay, though Medicare-defined cost-sharing and coinsurance apply. Prior authorization is required for these covered stays, while additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by Longevity Health Plan (HMO I-SNP) with no copay and a 20% coinsurance for outpatient hospital, ambulatory surgical center, substance abuse, and blood services. Prior authorization is required for several of these outpatient services, including outpatient hospital and ambulatory surgical center visits.
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 this benefit.
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. Transportation services are partially covered with no copay or coinsurance for up to 24 one-way trips per year to plan-approved locations, while transportation to any health-related location is not covered.
Emergency Services See details
Longevity Health Plan (HMO I-SNP) covers emergency services with a $115 copay and no coinsurance, and urgently needed services with a 20% coinsurance (up to $40) and no copay, with both cost-shares waived if admitted to the hospital within three days. For worldwide emergency services, some services are covered but worldwide emergency coverage, worldwide urgent coverage, and worldwide emergency transportation are not covered.
Primary Care See details
Longevity Health Plan (HMO I-SNP) offers primary care physician and opioid treatment services with no copay and no coinsurance, though chiropractic services are not covered. Other covered specialist, therapy, telehealth, and mental health services feature no copay but require a coinsurance ranging from 0% to 20%.
Preventive Services See details
Longevity Health Plan (HMO I-SNP) partially covers Preventive Services with no copay and no coinsurance for covered services like kidney disease education and glaucoma screenings. However, the annual physical exam and all additional preventive services—including fitness, health education, in-home safety, PERS, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home modifications, and counseling—are not covered.
Hearing Services See details
Longevity Health Plan (HMO I-SNP) covers hearing services with no deductible, no copay for exams, and a 20% coinsurance for routine exams. Hearing aids are covered with no copay and no coinsurance up to a $2,200 limit every two years, but this benefit is only partially covered as inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Longevity Health Plan (HMO I-SNP) provides partially covered vision services, featuring routine eye exams with no copay and a 20% coinsurance limited to one visit per year, though other eye exam services are not covered. Covered eyewear, including contacts, lenses, frames, and upgrades, has no copay and no coinsurance up to a $300 combined maximum benefit limit every two years.
Dental Services See details
Dental services are partially covered by Longevity Health Plan (HMO I-SNP), which offers coverage for Medicare-covered dental services with no copay and a 20% coinsurance, subject to prior authorization. Other services, including oral exams, cleanings, x-rays, fluoride treatments, restorative services, and orthodontics, are not covered.
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 feature no copay and a coinsurance ranging from no coinsurance to 20%, while Medicare Part B insulin drugs require a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered by the 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 covered medical equipment benefits.
Diagnostic and Radiological Services See details
Longevity Health Plan (HMO I-SNP) partially covers diagnostic and radiological services with no copay and a 20% coinsurance for diagnostic procedures, radiological services, and outpatient X-rays. Laboratory services are not covered under this plan, and prior authorization is required for all covered services.
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
Longevity Health Plan (HMO I-SNP) provides coverage for cardiac rehabilitation where some services are covered with no copay and 20% coinsurance, though prior authorization is required. However, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Longevity Health Plan (HMO I-SNP) covers Medicare-standard Skilled Nursing Facility (SNF) services 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
Longevity Health Plan (HMO I-SNP) partially covers Other Services, providing an over-the-counter (OTC) benefit with no copay and no coinsurance up to $218 every three months that carries forward if unused. Acupuncture, meal benefits, nicotine replacement therapy, and naloxone are not covered under this plan.
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