This is a medical-only plan. It does not include Medicare Part D drug coverage.
To be eligible for Alterwood Advantage Freedom, you must have Medicare Part A and Part B and reside within one of the following Maryland counties: Anne Arundel, Baltimore, Baltimore City, Caroline, Carroll, Cecil, Charles, Dorchester, Frederick, Harford, Howard, Kent, Montgomery, Prince George’s, Queen Anne’s, Somerset, Talbot, Washington, Wicomico, and Worcester.
| Benefits | Description |
|---|---|
| Monthly Premium | $0 |
| Medicare Part B Giveback | up to $40 per month |
| Deductible | No Deductible |
| Maximum Out-of-Pocket (MOOP) | $8,850 |
| Primary Care Physician Visit | $0 copay – no referrals required |
| Specialist Visit | $35 copay – no referrals required |
| Preventive Services | $0 copay |
| Telehealth | $0 copay for eligible services |
| Inpatient Hospital Stay | Days 1 - 6: $335 copay per day Days 7 - 90: $0 copay per day |
| Outpatient Hospital Facility | $300 copay |
| Ambulatory Surgical Center | $245 copay |
| Emergency Care | $100 copay |
| Urgent Care | $35 copay |
| Diagnostic Tests (Sleep study, Stress test) | $0 copay |
| Lab Services | $0 copay |
| Diagnostic Radiology (MRI, CT scan) | $250 copay |
| Therapeutic Radiology (Radiation for Cancer) | 20% coinsurance |
| X-Rays | $20 copay |
| Diabetic Supplies | 0% - 20% coinsurance |
| Durable Medical Equipment | 20% coinsurance |
| Additional Benefits | Description |
|---|---|
| Dental | Medicare-covered: $40 copay Preventive & Comprehensive Coverage: $1,500 annual allowance towards services. Preventive services: $0 copay Comprehensive services: 20% coinsurance |
| Vision | Medicare-Covered Exam: $40 copay Medicare-Covered Eyewear: 20% coinsurance Routine Exam: $0 copay, 1 per year $150 annual allowance towards eyewear |
| Hearing | Medicare-covered: $40 copay Routine Exam: $0 copay, 1 per year Hearing Aids: $475 - $1,950 copay per hearing aid, available annually |
| Over-the-Counter (OTC) Products/ & Essential Food Pantry Items | $35 quarterly allowance through plan’s catalog |
| Podiatry Services | Medicare-Covered: $30 copay Routine Care: $30 copay, 4 per year |
| Health & Wellness Program | $150 annual reimbursement towards the purchase of a fitness tracker, at-home fitness equipment, participation in instructional fitness class, or gym membership |
| Home Delivered Meals | 14 healthy meals available after discharge from an inpatient hospital stay or skilled nursing facility stay, available 8 times per year |
| Chiropractic Services | Medicare-Covered: $15 copay Routine Care: $15 copay, 4 per year Chiropractic Evaluation: $0 copay, 1 per year |
| Prescription Coverage | Description |
|---|---|
| Not Covered | |