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Erickson Advantage Liberty no Rx (HMO-POS)

Virginia Medicare Advantage Plan (2025 Plan)

Monthly Premium

Your Cost
$0
by UnitedHealthcareⓇ

Additional Coverage

HearingVisionDental

Overall Government Star Rating

 4.5
out of 5 stars

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Plan Overview

Plan Name
Erickson Advantage Liberty no Rx (HMO-POS)
Insurance Carrier
UnitedHealthcareⓇ
Plan Type
Medicare Advantage Plan Without Prescription Drugs
Network Type
HMO

Erickson Advantage Liberty no Rx (HMO-POS) is a Medicare Advantage Plan Without Prescription Drugs, which is available in Virginia and offered by the health insurance company UnitedHealthcareⓇ. 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
$750 In-network
Max Out-of-Pocket
$6,750
Primary doctor visit
$0 copay
Specialist visit
$0-60 copay per visit
ER visit
$125 copay per visit (always covered)
Ambulance
$275 copay

Erickson Advantage Liberty no Rx (HMO-POS) has a monthly premium cost of $0 per month, with an annual deductible of $750 In-network and a maximum out of pocket cost sharing of $6,750 In-network $9,450 Out-of-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 Erickson Advantage Liberty no Rx (HMO-POS) are defined below.

Additional Benefits and Coverage

No
Part D Prescription Drug Coverage
Yes
Dental
Yes
Vision
Yes
Hearing

Erickson Advantage Liberty no Rx (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. Erickson Advantage Liberty no Rx (HMO-POS) includes coverage for hearing, vision, dental.

Medicare Advantage health plans can offer even more additional benefits. Erickson Advantage Liberty no Rx (HMO-POS) includes coverage for the following additional benefits:

Other benefits

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

Comparing the Quality Score of Erickson Advantage Liberty no Rx (HMO-POS) to Other Plans in Virginia

Each year the federal government evaluates the quality of Medicare Advantage and Part D Prescription Drug plans based on a 5-star scoring system. For 2025, Erickson Advantage Liberty no Rx (HMO-POS) received an overall government quality rating of 4.5 stars out of 5 stars.

Erickson Advantage Liberty no Rx (HMO-POS) performed better than Virginia’s State average overall quality score of 3.8 stars.

This Plan’s 5-star Gov’t Quality Score
Virginia State Average Score
Overall Government 5 Star Quality Rating
 4.5
 3.8
Summary rating of health plan quality
 4.5
 3.7
Staying healthy: screenings, tests, & vaccines
 5
 3.7
Managing chronic (long term) conditions
 4
 3.4
Member experience with health plan
 4
 3.8
Member complaints & changes in the health plan's performance
 5
 4.3
Health plan customer service
 4
 4.0

The government calculates an “Overall star rating” based on ratings for sub components including “Health plan star rating” and “Drug plan star rating”, which includes further subcomponents of each.

Erickson Advantage Liberty no Rx (HMO-POS) received 4.5 stars for its health plan quality score which is better than the Virginia State average health plan quality score of 3.7 stars.

Plan Benefits and Coverage Details

Monthly Premium
$0
Health Portion of Premium
$0
Drug Portion of Premium
$0
Health Plan Deductible
$750 In-network
Health Plan Max Out-of-Pocket
$6,750 In-network
$9,450 Out-of-network
Nationwide Coverage included
No
Hearing Coverage included
Yes
Vision Coverage included
Yes
Dental Coverage included
Yes
Doctor Lookup Link
http://EricksonAdvantage.com
Plan Link
http://EricksonAdvantage.com

Medical Benefits

Doctor Services

Primary doctor visit
In-network: $0 copay
Out-of-network: $50 copay per visit
Specialist visit
In-network: $0-60 copay per visit
Out-of-network: $85 copay per visit

Tests, labs, & imaging

Diagnostic tests & procedures
In-network: $50 copay
Out-of-network: 40% coinsurance
Lab services
In-network: $0 copay
Out-of-network: $0 copay
Diagnostic radiology services (like MRI)
In-network: $0-225 copay
Out-of-network: 40% coinsurance
Outpatient x-rays
In-network: $25 copay
Out-of-network: $40 copay
Emergency care
$125 copay per visit (always covered)
Urgent care
$0-50 copay per visit (always covered)

Hospital Services

Inpatient hospital coverage
In-network: $375 per day for days 1 through 7
$0 per day for days 8 through 90
$0 per day for days 91 and beyond
Out-of-network: 40% per stay
Outpatient hospital coverage
In-network: $0-375 copay per visit
Out-of-network: 40% coinsurance per visit

Skilled nursing facility

Skilled nursing facility
In-network: $0 per day for days 1 through 20
$203 per day for days 21 through 100
Out-of-network: 40% per stay

Preventive services

Preventive services
In-network: $0 copay
Out-of-network: 0-40% coinsurance

Ambulance

Ground ambulance
In-network: $275 copay
Out-of-network: $275 copay

Therapy services

Occupational therapy visit
In-network: 0-20% coinsurance
Out-of-network: 40% coinsurance
Physical therapy & speech & language therapy visit
In-network: 0-20% coinsurance
Out-of-network: 40% coinsurance

Mental health services

Outpatient group therapy with a psychiatrist
In-network: $0 copay
Out-of-network: 40% coinsurance
Outpatient individual therapy with a psychiatrist
In-network: $0-30 copay
Out-of-network: 40% coinsurance
Outpatient group therapy visit
In-network: $0 copay
Out-of-network: 40% coinsurance
Outpatient individual therapy visit
In-network: $0-30 copay
Out-of-network: 40% coinsurance

Opioid treatment services

Opioid treatment services
Covered

Other services

Durable medical equipment (like wheelchairs & oxygen)
In-network: 20% coinsurance per item
Out-of-network: 40% coinsurance per item
Prosthetics (like braces, artificial limbs)
In-network: 20% coinsurance per item
Out-of-network: 40% coinsurance per item
Diabetes supplies
In-network: $0 copay per item
Out-of-network: 40% coinsurance per item

Prescription Drug Benefits

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

Part B Drugs

Chemotherapy drugs
In-network: 0-20% coinsurance
Out-of-network: 40% coinsurance
Other Part B drugs
In-network: 0-20% coinsurance
Out-of-network: 0-40% coinsurance

Extra Benefits

Hearing

Hearing exam
In-network: $0 copay
Out-of-network: $85 copay
Fitting/evaluation
Not covered
Hearing aids - All types
In-network: $199-1,249 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
Not covered
Endodontics
Not covered
Periodontics
Not covered
Prosthodontics, removable
Not covered
Prosthodontics, fixed
Not covered
Maxillofacial prosthetics
Not covered
Implant services
Not covered
Oral and maxillofacial surgery
Not covered
Orthodontics
Not covered
Adjunctive general services
Not covered

Vision

Routine eye exam
In-network: $0 copay
Out-of-network: $85 copay
Contact lenses
In-network: $0 copay
Eyeglasses (frames & lenses)
Not covered
Eyeglass frames (only)
In-network: $0 copay
Eyeglass lenses (only)
In-network: $0-153 copay
Upgrades
Not covered

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