All of our Medicare Advantage plans feature a $0 copay for primary care visits and most plans have a $0 copay for urgent care visits.*

Plans include the same medical benefits as Original Medicare Parts A and B (medical and hospital insurance), plus additional coverage for other health needs. For example:

• Inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care (Part A)
• Certain doctors’ services, outpatient care, medical supplies, and preventive services (Part B)
• Other areas of your health and alternative medicine options, like acupuncture and naturopathy

Medical Services

• Hospital and medical insurance (Medicare Part A & B)
• Primary care
• Specialist care
• Lab services
• Urgent care and emergency care
• Ambulance services
• Diabetic supplies
• Podiatry
• Chiropractic
• Acupuncture
• Naturopathy
• Massage**

**Not available on all plans. See your plan Summary of Benefits for more information.

Doctor Visits:

• Primary and preventive care visits
• Urgent care visits
• Virtual Care/Telehealth
• Specialist appointments with an in-network provider
• Physical therapy

Diagnostic Services:

• Radiology
• Tests and procedures outside of preventive tests
• Lab services
• Outpatient x-ray
• Therapeutic radiology services (such as radiation treatment for cancer)

Medical Benefits by Medicare Advantage (MA) Plan

2025 MA Plans

Dual Complete (HMO D-SNP)*

Primary Care (per visit): $0 copay Specialist Care (per visit) $0 copay Medicare-covered Lab Services: $0 copay Urgent Care (per visit): $0 Emergency Care (per visit): $0 Worldwide Emergency/Urgent Care: 20% coinsurance Diabetic Supplies: $0 Chiropractic (per Medicare-covered visit): $0 copay Out-of-pocket Maximum: $9,350 per calendar year

Dual Select (HMO D-SNP)*

Primary Care (per visit): $0 copay or 20% coinsurance* Specialist Care (per visit) $0 copay or 20% coinsurance* Medicare-covered Lab Services: $0 copay or 20% coinsurance* Urgent Care (per visit): $0 or 20% coinsurance*; $45 limit Emergency Care (per visit): $0 or 20% coinsurance*; $110 limit Diabetic Supplies: $0 or 20% coinsurance* Chiropractic (per Medicare-covered visit): $0 copay or 20% coinsurance* Out-of-pocket Maximum: $9,350 per calendar year

MA Plan 2 (HMO)

Primary Care (per visit): $0 copay Specialist Care (per visit) $50 copay Medicare-covered Lab Services: $0 copay Urgent Care (per visit): $40 copay Emergency Care (per visit): $100 copay, $0 if admitted Diabetic Supplies: $0 Chiropractic (per Medicare-covered visit): $15 copay Out-of-pocket Maximum: $9,350 per calendar year

MA Plan 4 (HMO)	Primary Care (per visit): $0 copay Specialist Care (per visit) $40 copay Medicare-covered Lab Services: $0 copay Urgent Care (per visit): $0 copay Emergency Care (per visit): $100 copay, $0 if admitted Diabetic Supplies: $0 Chiropractic (per Medicare-covered visit): $15 copay Out-of-pocket Maximum: $9,350 per calendar year
MA Freedom Plan (HMO)

*For most services, Dual Complete and Dual Select members pay a $0 copay or 20%. The amount you pay depends on the level of state Medicaid (Apple Health) assistance you receive. Our local Medicare experts can tell you what your share (if any) of the service costs will be: 1-800-944-1247 (TTY: 711).

We’re here to help.

To ask questions, request print copies of materials, and more, contact Customer Service at 1-800-942-0247 (TTY: 711), 8:00 a.m. to 8:00 p.m., 7 days a week.