MVP Medicare Preferred Gold without Part D (HMO-POS)

by MVP HEALTH CARE

2026 Medicare Advantage plan available in New York

Plan ID H3305-007-0

Additional coverage:

HearingVisionDental

Medicare Advantage HMO $0 premium 4.0 Overall

Monthly plan premium $0 / mo

Annual deductible $0 / yr

Max out-of-pocket · in-network $7,200 / yr

4.0 Overall Government Star Rating 2026 · out of 5 stars

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Plan Overview

MVP Medicare Preferred Gold without Part D (HMO-POS) is a Medicare Advantage Plan Without Prescription Drugs, which is available in New York and offered by the health insurance company MVP HEALTH CARE. This plan's network type is HMO, which determines the in-network doctors who accept the plan and whether a referral is needed.

Plan Name MVP Medicare Preferred Gold without Part D (HMO-POS)

Insurance Carrier MVP HEALTH CARE

Plan Type Medicare Advantage Plan Without Prescription Drugs

Network Type HMO

Cost Summary

MVP Medicare Preferred Gold without Part D (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 $7,200. The most common costs people evaluate when choosing a plan are listed here; a full list of benefit costs is defined below.

Monthly Premium $0 / mo

Annual Deductible $0 / yr

Max Out-of-Pocket · in-network $7,200 / yr

Primary doctor visit $0 copay

Specialist visit $30 copay

ER visit $115 copay

Ambulance $200 copay

Additional Benefits and Coverage

MVP Medicare Preferred Gold without Part D (HMO-POS) is a Medicare Advantage plan which does not include Medicare Part D prescription drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. MVP Medicare Preferred Gold without Part D (HMO-POS) includes coverage for hearing, vision, dental.

Part D Prescription Drug Coverage No

Dental Yes

Vision Yes

Hearing Yes

Nationwide Coverage No

Other benefits

Fitness benefit Limited coverage

Over-the-counter drug benefits Limited coverage

In-home support services Not covered

Home & bathroom safety devices Not covered

Meals for short duration Limited coverage

Annual physical exams Limited coverage

Telehealth Limited coverage

Medical Benefits

Doctor Services

Primary doctor visit In-network: $0 copay
Out-of-network: 30% coinsurance

Specialist visit In-network: $30 copay
Out-of-network: 30% coinsurance

Tests, labs & imaging

Diagnostic tests & procedures In-network: $10 copay
Out-of-network: 30% coinsurance

Lab services In-network: $0 copay
Out-of-network: 30% coinsurance

Diagnostic radiology services (like MRI) In-network: $30-$150 copay
Out-of-network: 30% coinsurance

Outpatient x-rays In-network: $30 copay
Out-of-network: 30% coinsurance

Emergency care $115 copay

Urgent care $40 copay

Hospital Services

Inpatient hospital coverage In-network:
  Tier 1
  $375 per day for days 1-5
  $0 per day for days 6-90
  $0 per stay
Out-of-network:
  30% per stay

Outpatient hospital coverage In-network: $325 copay
Out-of-network: 30% coinsurance

Skilled nursing facility

Skilled nursing facility In-network:
  Tier 1
  $0 per day for days 1-20
  $218 per day for days 21-100
Out-of-network:
  $ per stay

Preventive services

Preventive services In-network: $0 copay
Out-of-network: 30% coinsurance

Ambulance

Ground ambulance In-network: $200 copay
Out-of-network: $200-$300 copay

Therapy services

Occupational therapy visit In-network: $20 copay
Out-of-network: 30% coinsurance

Physical therapy & speech & language therapy visit In-network: $20 copay
Out-of-network: 30% coinsurance

Mental health services

Outpatient group therapy with a psychiatrist In-network: $30 copay
Out-of-network: $30 copay

Outpatient individual therapy with a psychiatrist In-network: $30 copay
Out-of-network: $30 copay

Outpatient group therapy visit In-network: $30 copay
Out-of-network: $30 copay

Outpatient individual therapy visit In-network: $30 copay
Out-of-network: $30 copay

Opioid treatment services

Opioid treatment services Covered

Other services

Durable medical equipment (like wheelchairs & oxygen) In-network: 20% coinsurance
Out-of-network: 30% coinsurance

Prosthetics (like braces, artificial limbs) In-network: 0%-20% coinsurance
Out-of-network: 30% coinsurance

Diabetes supplies In-network: $0 copay
Out-of-network: $0 copay

Medicare star rating

Each year the federal government rates Medicare Advantage and Part D plans on a 5-star system covering quality of care, chronic-condition management, member experience, and customer service. For 2026, MVP Medicare Preferred Gold without Part D (HMO-POS) earned an overall rating of 4.0 stars — better than New York's state average of 3.8 stars.

Rating category This plan State average

Overall star rating ★ 4.0 3.8

Health plan quality

Summary rating of health plan quality ★ 4.0 3.6

Staying healthy: screenings, tests & vaccines ★ 4.0 3.8

Managing chronic (long-term) conditions ★ 3.0 3.2

Member experience with health plan ★ 5.0 3.3

Member complaints & changes in performance ★ 5.0 4.1

Health plan customer service ★ 4.0 3.9

Extra Benefits

Hearing

Hearing exam In-network: $0 copay
Out-of-network: $0 copay

Fitting/evaluation In-network: $0 copay
Out-of-network: $0 copay

Hearing aids - prescription In-network: $699-$999 copay
Out-of-network: $699-$999 copay

Hearing aids - over the counter Not covered

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 In-network: $0 copay
Out-of-network: $0 copay

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
Out-of-network: $0 copay

Contact lenses In-network: $0 copay
Out-of-network: $0 copay

Eyeglasses (frames & lenses) In-network: $0 copay
Out-of-network: $0 copay

Eyeglass frames (only) In-network: $0 copay
Out-of-network: $0 copay

Eyeglass lenses (only) In-network: $0 copay
Out-of-network: $0 copay

Upgrades In-network: $0 copay
Out-of-network: $0 copay

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