Alterwood Advantage Freedom (HMO)

Alterwood Advantage Freedom (HMO) is a Medicare Advantage plan that the current plan record identifies as not including Part D prescription drug coverage. The plan record does not identify Part D prescription drug coverage. Published supplemental benefits include dental ($1,500/yr preventive & comprehensive dental allowance), vision ($150/yr eyewear allowance), hearing ($475–$1,950 copay per hearing aid), and fitness ($0 fitness benefit). Review the plan documents for covered services, limits, and rules. Coverage can change each plan year.

The published 2027 monthly plan premium for Alterwood Advantage Freedom (HMO) is $0. Any Medicare premiums you owe are separate from the listed plan premium. The listed medical deductible is $0. The in-network medical out-of-pocket maximum is $6,500; it does not include Part D drug spending. Published visit costs include primary care $0 and specialist visits $35. These figures are plan data, not a personal yearly-cost estimate.

CMS lists Alterwood Advantage Freedom (HMO) as a HMO plan. The plan record says specialist referrals are not required. A network label alone does not confirm that a specific doctor participates. Use the doctor lookup tool, then confirm with the doctor's office and the plan before receiving care. Provider networks and member costs can change. Emergency care and travel coverage can follow different network rules.

Alterwood Advantage Freedom (HMO) is listed in the current plan record as a Medicare Advantage plan without Part D prescription drug coverage. You can't add a separate Part D plan to this plan. Joining one would end your Medicare Advantage coverage, so make sure you have other drug coverage, like VA or TRICARE. Confirm how your prescriptions will be covered before enrolling.

The current plan record for Alterwood Advantage Freedom (HMO) lists dental ($1,500/yr preventive & comprehensive dental allowance), vision ($150/yr eyewear allowance), hearing ($475–$1,950 copay per hearing aid), fitness ($0 fitness benefit), and meals (Meal benefit). The current data does not list over-the-counter (OTC) and transportation as offered benefits. It also lists a Part B premium reduction of $100 per month. Benefit allowances, frequency, eligibility, and participating providers can have additional limits, so review the Summary of Benefits or Evidence of Coverage for the complete rules.

Alterwood Advantage Freedom (HMO) is a 2027 Medicare Advantage plan. The Annual Enrollment Period runs from October 15 through December 7, with changes taking effect January 1. The Medicare Advantage Open Enrollment Period runs from January 1 through March 31 for people already enrolled in Medicare Advantage. A qualifying circumstance may create a Special Enrollment Period outside those dates. Confirm the enrollment window and effective date that apply to you before changing coverage.