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Medicare Advantage · Local PPO
eternalHealth
Plan year 2027

eternalHealth Freedom (PPO) H2694-001

Monthly premium
$0
+ your Part B premium
Max out-of-pocket
$6,500
in-network annual cap
Primary care
$0
per visit copay
Specialist
$10
per visit

Your costs at a glanceIn-network, for the 2027 plan year

Medical deductible
$0
Max out-of-pocket, in and out of network
$9,500
Rx deductible
$275
Inpatient hospital
Days 1-6: $370/day, Days 7-90: $0/day
no limit on covered hospital days
Inpatient mental health
Days 1-6: $350/day, Days 7-90: $0/day
Outpatient surgery
$400
Emergency room
$125
Urgent care
$25

What's included, and what it's actually worth7 benefits included. Tap any card for the detail

Dental

$2,000/yr preventive dental allowance
Details$2,000/yr preventive dental allowance
This is a supplemental benefit with plan-specific limits. See plan documents for details.

Hearing

$595–$895copay per hearing aid
Details$595–$895 copay per hearing aid
This is a supplemental benefit with plan-specific limits. See plan documents for details.

Vision

$200/yr eyewear allowance
Eyewear allowance$200/yr eyewear allowance
This is a supplemental benefit with plan-specific limits. See plan documents for details.

OTC allowance

$50/quarter OTC allowance
Prepaid card$50/quarter OTC allowance
See more details about this plan
Doctor Visits: PCP$0 copay
In-network$0 copay per visit
Doctor Visits: Specialist$10 copay
In-network$10 copay per visit
Inpatient Hospital$370/day, days 1–6
In-networkDays 1-6: $370/day, Days 7-90: $0/day
Benefit limitNone — additional covered days are unlimited
Outpatient Surgery$400 copay
In-network$400 copay per procedure
Mental HealthDays 1-6: $350/day, Days 7-90: $0/day
Inpatient psychiatricDays 1-6: $350/day, Days 7-90: $0/day
Fitness$0 fitness benefit
Transportation24 one-way trips/year
Trips per year24 one-way trips/year
MealsMeal benefit

Your coverageCheck your coverageFrom the doctors and prescriptions you added

Our take

Where this plan shines

This plan has a $0 monthly premium.
See your primary doctor for $0.
The specialist copay ($10) is among the more affordable options.
No separate medical deductible.

Things to know before you enroll

This plan’s out-of-pocket maximum is above the national median.
Limited coverage while traveling outside the plan’s service area.
Questions? Talk to a licensed agent at1-866-764-3312 (TTY: 711)

Plan documents

Plan questions

Common questions about eternalHealth Freedom (PPO) (Local PPO)

What does eternalHealth Freedom (PPO) (Local PPO) cover?

eternalHealth Freedom (PPO) (Local PPO) is a Medicare Advantage plan that the current plan record identifies as including Part D prescription drug coverage. The plan record also identifies Part D prescription drug coverage. Published supplemental benefits include dental ($2,000/yr preventive dental allowance), vision ($200/yr eyewear allowance), hearing ($595–$895 copay per hearing aid), and over-the-counter (OTC) ($50/quarter OTC allowance). Review the plan documents for covered services, limits, and rules. Coverage can change each plan year.

Learn about Medicare Advantage

How much does eternalHealth Freedom (PPO) (Local PPO) cost in 2027?

The published 2027 monthly plan premium for eternalHealth Freedom (PPO) (Local PPO) is $0. Any Medicare premiums you owe are separate from the listed plan premium. The listed medical deductible is $0. The listed Part D deductible is $275. 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 $10. These figures are plan data, not a personal yearly-cost estimate.

Understand Medicare drug-cost limits

Can I use my current doctors with eternalHealth Freedom (PPO) (Local PPO)?

CMS lists eternalHealth Freedom (PPO) (Local PPO) as a Local PPO plan. 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.

Check your doctors

Does eternalHealth Freedom (PPO) (Local PPO) cover my prescriptions?

The current plan record for eternalHealth Freedom (PPO) (Local PPO) does not include tier-level formulary costs. The listed Part D deductible is $275. A tier listing does not confirm that a specific prescription is covered. Check each medication against the plan's current formulary, restrictions, pharmacy network, and costs before enrolling.

Check your prescriptions

What dental, vision, and hearing benefits does eternalHealth Freedom (PPO) (Local PPO) include?

The current plan record for eternalHealth Freedom (PPO) (Local PPO) lists dental ($2,000/yr preventive dental allowance), vision ($200/yr eyewear allowance), and hearing ($595–$895 copay per hearing aid). It also lists over-the-counter (OTC) ($50/quarter OTC allowance). 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.

When can I enroll in eternalHealth Freedom (PPO) (Local PPO)?

eternalHealth Freedom (PPO) (Local PPO) 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.

Review Medicare enrollment periods

More plan options

Browse the full 2027 Medicare Advantage with drug coverage directory. This plan is offered in Massachusetts. Plan availability can vary by county.

Helpful next steps

eternalHealth Freedom H2694-001 (PPO) — 2027 Costs & Benefits