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Perennial Advantage Freedom (HMO-POS)

Colorado Medicare Advantage Plan (2025 Plan)

Monthly Premium

Your Cost
$0
by Perennial Advantage

Additional Coverage

HearingVisionDental

Overall Government Star Rating

(coming soon)

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Plan Overview

Plan Name
Perennial Advantage Freedom (HMO-POS)
Insurance Carrier
Perennial Advantage
Plan Type
Medicare Advantage Plan With Part D Prescription Drug Coverage
Network Type
HMO

Perennial Advantage Freedom (HMO-POS) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, which is available in Colorado and offered by the health insurance company Perennial Advantage. This plan’s network type is HMO which determines in-network doctors who accept the health plan and whether a referral is needed.

Cost Summary

Monthly Premium
$0
Annual Deductible
$0
Max Out-of-Pocket
$3,900
Primary doctor visit
$0 copay
Specialist visit
$20 copay per visit
ER visit
$90 copay per visit (always covered)
Ambulance
$250 copay

Perennial Advantage Freedom (HMO-POS) has a monthly premium cost of $0 per month, with an annual deductible of $0 and a maximum out of pocket cost sharing of $3,900 In and Out-of-network $3,900 In-network. The most common benefit costs which people evaluate when choosing a plan are costs for a primary doctor visit, specialist doctor visit, emergency room visit, and ambulance. These costs are listed in this summary section and a full list of benefit costs for Perennial Advantage Freedom (HMO-POS) are defined below.

Additional Benefits and Coverage

Yes
Part D Prescription Drug Coverage
Yes
Dental
Yes
Vision
Yes
Hearing

Perennial Advantage Freedom (HMO-POS) is a Medicare Advantage plan which does include Medicare Part D Prescription Drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. Perennial Advantage Freedom (HMO-POS) includes coverage for hearing, vision, dental.

Medicare Advantage health plans can offer even more additional benefits. Perennial Advantage Freedom (HMO-POS) includes coverage for the following additional benefits:

Other benefits

Fitness benefit
Not covered
Over the counter drug benefits
Limited coverage
In-home support services
Limited coverage
Home and bathroom safety devices
Not covered
Meals for short duration
Not covered
Annual physical exams
Not covered
Telehealth
Limited coverage

Plan Benefits and Coverage Details

Monthly Premium
$0
Health Portion of Premium
$0
Drug Portion of Premium
$0
Health Plan Deductible
$0
Health Plan Max Out-of-Pocket
$3,900 In and Out-of-network
$3,900 In-network
Nationwide Coverage included
No
Hearing Coverage included
Yes
Vision Coverage included
Yes
Dental Coverage included
Yes
Doctor Lookup Link
http://www.perennialadvantage.com
Plan Link
http://www.perennialadvantage.com

Medical Benefits

Doctor Services

Primary doctor visit
In-network: $0 copay
Out-of-network: $0 copay
Specialist visit
In-network: $20 copay per visit
Out-of-network: $20 copay per visit

Tests, labs, & imaging

Diagnostic tests & procedures
In-network: 20% coinsurance
Lab services
In-network: $0 copay
Diagnostic radiology services (like MRI)
In-network: 20% coinsurance
Outpatient x-rays
In-network: $0 copay
Emergency care
$90 copay per visit (always covered)
Urgent care
$20-55 copay per visit (always covered)

Hospital Services

Inpatient hospital coverage
In-network: $225 per day for days 1 through 5
$0 per day for days 6 through 90
Out-of-network: Not Applicable
Outpatient hospital coverage
In-network: $0-250 copay per visit

Skilled nursing facility

Skilled nursing facility
In-network: Coming soon
Out-of-network: Coming soon

Preventive services

Preventive services
In-network: $0 copay

Ambulance

Ground ambulance
In-network: $250 copay

Therapy services

Occupational therapy visit
In-network: $20 copay
Physical therapy & speech & language therapy visit
In-network: $20 copay

Mental health services

Outpatient group therapy with a psychiatrist
In-network: 20% coinsurance
Outpatient individual therapy with a psychiatrist
In-network: 20% coinsurance
Outpatient group therapy visit
In-network: $25 copay
Outpatient individual therapy visit
In-network: $25 copay

Opioid treatment services

Opioid treatment services
Covered

Other services

Durable medical equipment (like wheelchairs & oxygen)
In-network: 20% coinsurance per item
Prosthetics (like braces, artificial limbs)
In-network: 20% coinsurance per item
Diabetes supplies
In-network: $0 copay

Prescription Drug Benefits

Tier drug costs for: Standard retail pharmacy drug cost for 1-month

TiersInitial coverage phaseCatastrophic coverage phase
Preferred Generic$0.00 copay$0 copay
Generic$10.00 copay$0 copay
Preferred Brand$45.00 copay$0 copay
Non-Preferred Drug
Specialty Tier25% coinsurance$0 copay

Part B Drugs

Chemotherapy drugs
In-network: 0-20% coinsurance
Other Part B drugs
In-network: 0-20% coinsurance

Extra Benefits

Hearing

Hearing exam
In-network: 20% coinsurance
Fitting/evaluation
In-network: $0 copay
Hearing aids - All types
In-network: $0 copay

Preventive Dental

Oral exam
In-network: $0 copay
Out-of-network: $0 copay
Cleaning
In-network: $0 copay
Out-of-network: $0 copay
Fluoride treatment
In-network: $0 copay
Out-of-network: $0 copay
Dental x-rays
In-network: $0 copay
Out-of-network: $0 copay

Comprehensive dental

Restorative services
In-network: $0 copay
Out-of-network: $0 copay
Endodontics
In-network: $0 copay
Out-of-network: $0 copay
Periodontics
In-network: $0 copay
Out-of-network: $0 copay
Prosthodontics, removable
In-network: $0 copay
Out-of-network: $0 copay
Prosthodontics, fixed
In-network: $0 copay
Out-of-network: $0 copay
Maxillofacial prosthetics
Not covered
Implant services
In-network: $0 copay
Out-of-network: $0 copay
Oral and maxillofacial surgery
In-network: $0 copay
Out-of-network: $0 copay
Orthodontics
Not covered
Adjunctive general services
In-network: $0 copay
Out-of-network: $0 copay

Vision

Routine eye exam
In-network: $0 copay
Contact lenses
Not covered
Eyeglasses (frames & lenses)
In-network: $0 copay
Eyeglass frames (only)
In-network: $0 copay
Eyeglass lenses (only)
In-network: $0 copay
Upgrades
In-network: $0 copay

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