PPO Summary of Benefits 2026

With Mass Advantage Premiere (PPO) and Mass Advantage Extra (PPO) plans, you’ll enjoy the freedom and flexibility to access your health care where you want it and when you want it. You may seek care from any Medicare provider in the country who agrees to see you as a Medicare member, but you’ll generally pay less when you use contracted providers in our network. Referrals are not required to see specialists, giving you more direct access to the care you need.

Summary of Benefits

Evidence of Coverage

Benefit Mass Advantage Premiere (PPO) Mass Advantage Extra (PPO)

Monthly Premium

$0

You must continue to pay your Medicare Part B premium.

$0

You must continue to pay your Medicare Part B premium.

Medical Deductible

These plans do not have a medical deductible.

These plans do not have a medical deductible.

Maximum Out-of-Pocket Responsibility

Your yearly limit(s) in this plan:

  • $6,000 for services you receive from in-network providers.
  • $9,500 combined in and out-of-network annually

This is the most you will pay in copays and coinsurance for covered medical services this year. Please note that you will still need to pay your monthly premiums and cost-sharing for Part D prescription drugs. 

Not all services apply to the Maximum Out-of-Pocket. Please refer to the Evidence of Coverage for more information.

Your yearly limit(s) in this plan:

  • $6,750 for services you receive from in-network providers.
  • $10,000 combined in and out-of-network annually

This is the most you will pay in copays and coinsurance for covered medical services this year. Please note that you will still need to pay your monthly premiums and cost-sharing for Part D prescription drugs. 

Not all services apply to the Maximum Out-of-Pocket. Please refer to the Evidence of Coverage for more information.

Inpatient Hospital Coverage*

For each Medicare-covered inpatient stay:

In-Network:

  • Days 1-5: $350 copay per day
  • Days 6-180: $0 copay per day

Out-of-Network:

  • Days 1-5: $350 copay per day
  • Days 6-90: 20% coinsurance
  • Days 91-180: $0 copay per day

For each Medicare-covered inpatient stay:

In-Network:

  • Days 1-6: $380 copay per day
  • Days 7-180: $0 copay per day

Out-of-Network:

  • Days 1-90: 35% coinsurance
  • Days 91-180: $0 copay per day

Outpatient Hospital Coverage*

In-Network:

  • Outpatient Hospital: $175 copay per visit
  • Observation Services: $250 copay per stay

Out-of-Network:

  • Outpatient Hospital: 35% coinsurance
  • Observation Services: 35% coinsurance

In-Network:

  • Outpatient Hospital: $300 copay per visit
  • Observation Services: $300 copay per stay

Out-of-Network:

  • Outpatient Hospital: 40% coinsurance
  • Observation Services: 40% coinsurance

Ambulatory Surgical Center*

In-Network:

$175 copay per visit

Out-of-Network:

35% coinsurance

In-Network:

$300 copay per visit

Out-of-Network:

40% coinsurance

Doctor Visits

In-Network:

  • Primary Care Provider: $0 copay per visit
  • Specialist: $30 copay per visit

Out-of-Network:

  • Primary Care Provider: $20 copay per visit
  • Specialist: $50 copay per visit

In-Network:

  • Primary Care Provider: $0 copay per visit
  • Specialist: $45 copay per visit

Out-of-Network:

  • Primary Care Provider: $20 copay per visit
  • Specialist: $65 copay per visit

Preventive Care

In-Network and Out-of-Network: There is no coinsurance, copayment or deductible for Medicare-covered preventive services.

In-Network and Out-of-Network: There is no coinsurance, copayment or deductible for Medicare-covered preventive services.

Emergency Care & Worldwide Emergency Coverage

In-Network and Out-of-Network: $130 copay per visit

If you are admitted to the hospital within 24 hours, your emergency care copay is waived. This does not apply to worldwide emergency coverage.

In-Network and Out-of-Network: $130 copay per visit

If you are admitted to the hospital within 24 hours, your emergency care copay is waived. This does not apply to worldwide emergency coverage.

Urgently Needed Services

In-Network and Out-of-Network: $30 copay per visit

In-Network and Out-of-Network: $40 copay per visit

Lab Services

In-Network: $0 copay

Out-of-Network: 30% coinsurance

In-Network: $0 copay

Out-of-Network: 40% coinsurance

Diagnostic Tests and Procedures

In-Network: $20 copay

Out-of-Network: 30% coinsurance

In-Network: $30 copay

Out-of-Network: 40% coinsurance

Outpatient X-Ray Services

In-Network: $0 copay

Out-of-Network: $10 copay

In-Network: $15 copay

Out-of-Network: 40% coinsurance

Diagnostic Radiology Services*

In-Network: $100 copay

Out-of-Network: 30% coinsurance

In-Network: $150 copay

Out-of-Network: 40% coinsurance

Hearing Services

In-Network:

  • Medicare-covered Hearing exam: $30 copay
  • Non-Medicare covered routine Hearing exam: $0 copay
     

Out-of-Network:

  • Medicare-covered Hearing exam: $45 copay
  • Non-Medicare covered routine Hearing exam: $65 copay

Hearing Aids:

  • $600 per Entry level hearing aid
  • $775 per Basic level hearing aid
  • $1,075 per Prime level hearing aid
  • $1,375 per Preferred level hearing aid
  • $1,675 per Advanced level hearing aid
  • $2,075 per Premium level hearing aid

Limit of two hearing aids per benefit year, one per ear. Routine hearing exam and hearing aids must be received from a NationsBenefits Hearing provider. Coverage will not be provided for hearing aids purchased from a non-participating provider. 

Prepaid Benefits Card Wellness Allowance can be used to assist with hearing aid costs.

In-Network:

  • Medicare-covered Hearing exam: $45 copay
  • Non-Medicare covered routine Hearing exam: $0 copay
     

Out-of-Network:

  • Medicare-covered Hearing exam: $65 copay
  • Non-Medicare covered routine Hearing exam: $65 copay

Hearing Aids:

  • $600 per Entry level hearing aid
  • $775 per Basic level hearing aid
  • $1,075 per Prime level hearing aid
  • $1,375 per Preferred level hearing aid
  • $1,675 per Advanced level hearing aid
  • $2,075 per Premium level hearing aid

Limit of two hearing aids per benefit year, one per ear. Routine hearing exam and hearing aids must be received from a NationsBenefits Hearing provider. Coverage will not be provided for hearing aids purchased from a non-participating provider. 

Prepaid Benefits Card Wellness Allowance can be used to assist with hearing aid costs.

Dental Services

In-Network:

Medicare-covered Dental: $30 copay

Out-of-Network:

Medicare-covered Dental: $45 copay

In-Network and Out-of-Network:

Non-Medicare covered Dental:

  • $0 copay for Diagnostic and Preventive Dental.
  • $0 copay up to the calendar year maximum of $1,000
    for Comprehensive Dental.

Diagnostic and Preventive Dental services include:

  • Prophylaxis (cleanings) – limited to 2 per calendar year
  • Evaluations
  • X-rays
  • Fluoride Treatment
  • Comprehensive Dental services include:
  • Restorative Services (fillings, inlays, onlays, and crowns)
  • Endodontic Services
  • Periodontic Services
  • Prosthodontics, removable dentures and fixed bridges
  • Oral and Maxillofacial Surgery (extractions)
  • Adjunctive General Services (palliative treatment, deep sedation/general anesthesia)
  • Teledentistry (synchronous and asynchronous, must be accompanied by a covered procedure)

This is a brief summary of covered services only. Please refer to the Evidence of Coverage document for a full listing of covered services. Dental services are administered by Dominion Dental Services, Inc. You can access the Dental Provider directory here or by contacting Member Services.

In-Network:

Medicare-covered Dental: $45 copay

Out-of-Network:

Medicare-covered Dental: $65 copay

In-Network and Out-of-Network:

Non-Medicare covered Dental:

  • $0 copay for Diagnostic and Preventive Dental.
  • $0 copay up to the calendar year maximum of $1,500
    for Comprehensive Dental.

Diagnostic and Preventive Dental services include:

  • Prophylaxis (cleanings) – limited to 2 per calendar year
  • Evaluations
  • X-rays
  • Fluoride Treatment
  • Comprehensive Dental services include:
  • Restorative Services (fillings, inlays, onlays, and crowns)
  • Endodontic Services
  • Periodontic Services
  • Prosthodontics, removable dentures and fixed bridges
  • Oral and Maxillofacial Surgery (extractions)
  • Adjunctive General Services (palliative treatment, deep sedation/general anesthesia)
  • Teledentistry (synchronous and asynchronous, must be accompanied by a covered procedure)

This is a brief summary of covered services only. Please refer to the Evidence of Coverage document for a full listing of covered services. Dental services are administered by Dominion Dental Services, Inc. You can access the Dental Provider directory here or by contacting Member Services.

Vision Services

In-Network:

  • Medicare-covered vision exam: $30 copay
  • Non-Medicare covered Routine Eye Exam: $0 copay (one per calendar year)

Out-of-Network:

  • Medicare-covered vision exam: $45 copay
  • Non-Medicare covered Routine Eye Exam: $45 copay (one per calendar year)

$200 allowance per calendar year to use towards the purchase of one of the following: contact lenses, eyeglass lenses, eyeglass frames, or eyeglasses (lenses and frames). 

Eyewear allowance must be received from an EyeMed Access Network participating provider or retail location. 

Prepaid Benefits Card Wellness Allowance can be used for additional eyewear costs.

In-Network:

  • Medicare-covered vision exam: $45 copay
  • Non-Medicare covered Routine Eye Exam: $0 copay (one per calendar year)

Out-of-Network:

  • Medicare-covered vision exam: $65 copay
  • Non-Medicare covered Routine Eye Exam: $65 copay (one per calendar year)

$200 allowance per calendar year to use towards the purchase of one of the following: contact lenses, eyeglass lenses, eyeglass frames, or eyeglasses (lenses and frames). 

Eyewear allowance must be received from an EyeMed Access Network participating provider or retail location. 

Prepaid Benefits Card Wellness Allowance can be used for additional eyewear costs.

Mental Health Services*

In-Network:

Mental Health and Psychiatric Services:

  • Outpatient group therapy: $30 copay per session
  • Outpatient individual therapy: $30 copay per session

Inpatient Psychiatric care, per stay:

  • Days 1-5: $350 copay per day
  • Days 6-90: $0 copay per day

Out-of-Network:

Mental Health and Psychiatric Services:

  • Outpatient group therapy: $50 copay per session
  • Outpatient individual therapy: $50 copay per session

Inpatient Psychiatric care, per stay:

  • Days 1-5: $350 copay per day
  • Days 6-90: 20% coinsurance

In-Network:

Mental Health and Psychiatric Services:

  • Outpatient group therapy: $30 copay per session
  • Outpatient individual therapy: $30 copay per session

Inpatient Psychiatric care, per stay:

  • Days 1-6: $375 copay per day
  • Days 7-90: $0 copay per day

Out-of-Network:

Mental Health and Psychiatric Services:

  • Outpatient group therapy: $65 copay per session
  • Outpatient individual therapy: $65 copay per session

Inpatient Psychiatric care, per stay:

  • Days 1-90: 40% coinsurance

Skilled Nursing Facility (SNF)*

For each Medicare-covered stay:

In-Network:

  • Days 1-20: $0 copay per day
  • Days 21-51: $190 copay per day
  • Days 52-100: $0 copay per day

Out-of-Network:

  • Days 1-100: 20% coinsurance

For each Medicare-covered stay:

In-Network:

  • Days 1-20: $0 copay per day
  • Days 21-51: $190 copay per day
  • Days 52-100: $0 copay per day

Out-of-Network:

  • Days 1-100: 20% coinsurance

Physical Therapy

In-Network: $30 copay per visit

Out-of-Network: $60 copay per visit

In-Network: $40 copay per visit

Out-of-Network: 45% coinsurance per visit

Ambulance*

In-Network and Out-of-Network:

Ground and Air Ambulance: $275 copay per ride

If you are admitted to the hospital, your copay is waived.

In-Network and Out-of-Network:

Ground and Air Ambulance: $275 copay per ride

If you are admitted to the hospital, your copay is waived.

Transportation*

$0 copay for 6 one-way rides per year for non-emergency, plan approved health-related locations. Rides are only covered when using the plan’s contracted transportation providers.

$0 copay for 6 one-way rides per year for non-emergency, plan approved health-related locations. Rides are only covered when using the plan’s contracted transportation providers.

Medicare Part B Drugs*

In-Network and Out-of-Network:

Up to 20% coinsurance

Insulin (when used in an insulin pump): $35 copay for a one-month supply

In-Network and Out-of-Network:

Up to 20% coinsurance

Insulin (when used in an insulin pump): $35 copay for a one-month supply

Prepaid Benefits Card

Wellness: $550 annually

Wellness Allowance: annual allowance to be used for fees required at fitness facilities for memberships, fitness-related items purchased through NationsBenefits, weight management support programs like Weight Watchers, mental health and mindfulness applications such as Calm and Headspace, eyewear costs, and hearing aid costs for hearing aids purchased through NationsBenefits Hearing providers. The Prepaid Benefits Card is preloaded with the full benefit amount by allowance and members can choose where to use it based on plan approved locations. The Prepaid Benefits Card is not eligible for cost sharing for covered benefits or prescription drugs.

Wellness: $750 annually

Wellness Allowance: annual allowance to be used for fees required at fitness facilities for memberships, fitness-related items purchased through NationsBenefits, weight management support programs like Weight Watchers, mental health and mindfulness applications such as Calm and Headspace, eyewear costs, and hearing aid costs for hearing aids purchased through NationsBenefits Hearing providers. The Prepaid Benefits Card is preloaded with the full benefit amount by allowance and members can choose where to use it based on plan approved locations. The Prepaid Benefits Card is not eligible for cost sharing for covered benefits or prescription drugs.

Over-the-Counter (OTC) Items

$100 quarterly allowance

The quarterly allowance can be used to purchase OTC items through plan approved retail locations as well as through mail order using NationsBenefits. The OTC quarterly allowance will be loaded onto your Prepaid Benefits Card. 

Unused balances at the end of each benefit period (calendar quarter) will be carried over to the next benefit period. Unused balances at the end of the benefit year will be forfeited.

$120 quarterly allowance

The quarterly allowance can be used to purchase OTC items through plan approved retail locations as well as through mail order using NationsBenefits. The OTC quarterly allowance will be loaded onto your Prepaid Benefits Card. 

Unused balances at the end of each benefit period (calendar quarter) will be carried over to the next benefit period. Unused balances at the end of the benefit year will be forfeited.

Personal Emergency Response System (PERS)

$0 copay for one PERS device and monthly monitoring.

PERS devices must be ordered through NationsBenefits. Both in-home and on-the-go device options are available.

$0 copay for one PERS device and monthly monitoring.

PERS devices must be ordered through NationsBenefits. Both in-home and on-the-go device options are available.

Online Fitness and Wellness Program

$0 copay for access to online fitness and wellness services through membership with Age Bold. Age Bold provides individuals with personalized programs designed to support healthy aging. To learn more about Age Bold, please visit agebold.com/massadvantage/ or contact Member Services.

$0 copay for access to online fitness and wellness services through membership with Age Bold. Age Bold provides individuals with personalized programs designed to support healthy aging. To learn more about Age Bold, please visit agebold.com/massadvantage/ or contact Member Services.

Mass Advantage Premiere (PPO)

Monthly Premium

$0

You must continue to pay your Medicare Part B premium.

Medical Deductible

These plans do not have a medical deductible.

Maximum Out-of-Pocket Responsibility

Your yearly limit(s) in this plan:

  • $6,000 for services you receive from in-network providers.
  • $9,500 combined in and out-of-network annually

This is the most you will pay in copays and coinsurance for covered medical services this year. Please note that you will still need to pay your monthly premiums and cost-sharing for Part D prescription drugs. 

Not all services apply to the Maximum Out-of-Pocket. Please refer to the Evidence of Coverage for more information.

Inpatient Hospital Coverage*

For each Medicare-covered inpatient stay:

In-Network:

  • Days 1-5: $350 copay per day
  • Days 6-180: $0 copay per day

Out-of-Network:

  • Days 1-5: $350 copay per day
  • Days 6-90: 20% coinsurance
  • Days 91-180: $0 copay per day

Outpatient Hospital Coverage*

In-Network:

  • Outpatient Hospital: $175 copay per visit
  • Observation Services: $250 copay per stay

Out-of-Network:

  • Outpatient Hospital: 35% coinsurance
  • Observation Services: 35% coinsurance

Ambulatory Surgical Center*

In-Network:

$175 copay per visit

Out-of-Network:

35% coinsurance

Doctor Visits

In-Network:

  • Primary Care Provider: $0 copay per visit
  • Specialist: $30 copay per visit

Out-of-Network:

  • Primary Care Provider: $20 copay per visit
  • Specialist: $50 copay per visit

Preventive Care

In-Network and Out-of-Network: There is no coinsurance, copayment or deductible for Medicare-covered preventive services.

Emergency Care & Worldwide Emergency Coverage

In-Network and Out-of-Network: $130 copay per visit

If you are admitted to the hospital within 24 hours, your emergency care copay is waived. This does not apply to worldwide emergency coverage.

Urgently Needed Services

In-Network and Out-of-Network: $30 copay per visit

Lab Services

In-Network: $0 copay

Out-of-Network: 30% coinsurance

Diagnostic Tests and Procedures

In-Network: $20 copay

Out-of-Network: 30% coinsurance

Outpatient X-Ray Services

In-Network: $0 copay

Out-of-Network: $10 copay

Diagnostic Radiology Services*

In-Network: $100 copay

Out-of-Network: 30% coinsurance

Hearing Services

In-Network:

  • Medicare-covered Hearing exam: $30 copay
  • Non-Medicare covered routine Hearing exam: $0 copay
     

Out-of-Network:

  • Medicare-covered Hearing exam: $45 copay
  • Non-Medicare covered routine Hearing exam: $65 copay

Hearing Aids:

  • $600 per Entry level hearing aid
  • $775 per Basic level hearing aid
  • $1,075 per Prime level hearing aid
  • $1,375 per Preferred level hearing aid
  • $1,675 per Advanced level hearing aid
  • $2,075 per Premium level hearing aid

Limit of two hearing aids per benefit year, one per ear. Routine hearing exam and hearing aids must be received from a NationsBenefits Hearing provider. Coverage will not be provided for hearing aids purchased from a non-participating provider. 

Prepaid Benefits Card Wellness Allowance can be used to assist with hearing aid costs.

Dental Services

In-Network:

Medicare-covered Dental: $30 copay

Out-of-Network:

Medicare-covered Dental: $45 copay

In-Network and Out-of-Network:

Non-Medicare covered Dental:

  • $0 copay for Diagnostic and Preventive Dental.
  • $0 copay up to the calendar year maximum of $1,000
    for Comprehensive Dental.

Diagnostic and Preventive Dental services include:

  • Prophylaxis (cleanings) – limited to 2 per calendar year
  • Evaluations
  • X-rays
  • Fluoride Treatment
  • Comprehensive Dental services include:
  • Restorative Services (fillings, inlays, onlays, and crowns)
  • Endodontic Services
  • Periodontic Services
  • Prosthodontics, removable dentures and fixed bridges
  • Oral and Maxillofacial Surgery (extractions)
  • Adjunctive General Services (palliative treatment, deep sedation/general anesthesia)
  • Teledentistry (synchronous and asynchronous, must be accompanied by a covered procedure)

This is a brief summary of covered services only. Please refer to the Evidence of Coverage document for a full listing of covered services. Dental services are administered by Dominion Dental Services, Inc. You can access the Dental Provider directory here or by contacting Member Services.

Vision Services

In-Network:

  • Medicare-covered vision exam: $30 copay
  • Non-Medicare covered Routine Eye Exam: $0 copay (one per calendar year)

Out-of-Network:

  • Medicare-covered vision exam: $45 copay
  • Non-Medicare covered Routine Eye Exam: $45 copay (one per calendar year)

$200 allowance per calendar year to use towards the purchase of one of the following: contact lenses, eyeglass lenses, eyeglass frames, or eyeglasses (lenses and frames). 

Eyewear allowance must be received from an EyeMed Access Network participating provider or retail location. 

Prepaid Benefits Card Wellness Allowance can be used for additional eyewear costs.

Mental Health Services*

In-Network:

Mental Health and Psychiatric Services:

  • Outpatient group therapy: $30 copay per session
  • Outpatient individual therapy: $30 copay per session

Inpatient Psychiatric care, per stay:

  • Days 1-5: $350 copay per day
  • Days 6-90: $0 copay per day

Out-of-Network:

Mental Health and Psychiatric Services:

  • Outpatient group therapy: $50 copay per session
  • Outpatient individual therapy: $50 copay per session

Inpatient Psychiatric care, per stay:

  • Days 1-5: $350 copay per day
  • Days 6-90: 20% coinsurance

Skilled Nursing Facility (SNF)*

For each Medicare-covered stay:

In-Network:

  • Days 1-20: $0 copay per day
  • Days 21-51: $190 copay per day
  • Days 52-100: $0 copay per day

Out-of-Network:

  • Days 1-100: 20% coinsurance

Physical Therapy

In-Network: $30 copay per visit

Out-of-Network: $60 copay per visit

Ambulance*

In-Network and Out-of-Network:

Ground and Air Ambulance: $275 copay per ride

If you are admitted to the hospital, your copay is waived.

Transportation*

$0 copay for 6 one-way rides per year for non-emergency, plan approved health-related locations. Rides are only covered when using the plan’s contracted transportation providers.

Medicare Part B Drugs*

In-Network and Out-of-Network:

Up to 20% coinsurance

Insulin (when used in an insulin pump): $35 copay for a one-month supply

Prepaid Benefits Card

Wellness: $550 annually

Wellness Allowance: annual allowance to be used for fees required at fitness facilities for memberships, fitness-related items purchased through NationsBenefits, weight management support programs like Weight Watchers, mental health and mindfulness applications such as Calm and Headspace, eyewear costs, and hearing aid costs for hearing aids purchased through NationsBenefits Hearing providers. The Prepaid Benefits Card is preloaded with the full benefit amount by allowance and members can choose where to use it based on plan approved locations. The Prepaid Benefits Card is not eligible for cost sharing for covered benefits or prescription drugs.

Over-the-Counter (OTC) Items

$100 quarterly allowance

The quarterly allowance can be used to purchase OTC items through plan approved retail locations as well as through mail order using NationsBenefits. The OTC quarterly allowance will be loaded onto your Prepaid Benefits Card. 

Unused balances at the end of each benefit period (calendar quarter) will be carried over to the next benefit period. Unused balances at the end of the benefit year will be forfeited.

Personal Emergency Response System (PERS)

$0 copay for one PERS device and monthly monitoring.

PERS devices must be ordered through NationsBenefits. Both in-home and on-the-go device options are available.

Online Fitness and Wellness Program

$0 copay for access to online fitness and wellness services through membership with Age Bold. Age Bold provides individuals with personalized programs designed to support healthy aging. To learn more about Age Bold, please visit agebold.com/massadvantage/ or contact Member Services.

Mass Advantage Extra (PPO)

Monthly Premium

$0

You must continue to pay your Medicare Part B premium.

Medical Deductible

These plans do not have a medical deductible.

Maximum Out-of-Pocket Responsibility

Your yearly limit(s) in this plan:

  • $6,750 for services you receive from in-network providers.
  • $10,000 combined in and out-of-network annually

This is the most you will pay in copays and coinsurance for covered medical services this year. Please note that you will still need to pay your monthly premiums and cost-sharing for Part D prescription drugs. 

Not all services apply to the Maximum Out-of-Pocket. Please refer to the Evidence of Coverage for more information.

Inpatient Hospital Coverage*

For each Medicare-covered inpatient stay:

In-Network:

  • Days 1-6: $380 copay per day
  • Days 7-180: $0 copay per day

Out-of-Network:

  • Days 1-90: 35% coinsurance
  • Days 91-180: $0 copay per day

Outpatient Hospital Coverage*

In-Network:

  • Outpatient Hospital: $300 copay per visit
  • Observation Services: $300 copay per stay

Out-of-Network:

  • Outpatient Hospital: 40% coinsurance
  • Observation Services: 40% coinsurance

Ambulatory Surgical Center*

In-Network:

$300 copay per visit

Out-of-Network:

40% coinsurance

Doctor Visits

In-Network:

  • Primary Care Provider: $0 copay per visit
  • Specialist: $45 copay per visit

Out-of-Network:

  • Primary Care Provider: $20 copay per visit
  • Specialist: $65 copay per visit

Preventive Care

In-Network and Out-of-Network: There is no coinsurance, copayment or deductible for Medicare-covered preventive services.

Emergency Care & Worldwide Emergency Coverage

In-Network and Out-of-Network: $130 copay per visit

If you are admitted to the hospital within 24 hours, your emergency care copay is waived. This does not apply to worldwide emergency coverage.

Urgently Needed Services

In-Network and Out-of-Network: $40 copay per visit

Lab Services

In-Network: $0 copay

Out-of-Network: 40% coinsurance

Diagnostic Tests and Procedures

In-Network: $30 copay

Out-of-Network: 40% coinsurance

Outpatient X-Ray Services

In-Network: $15 copay

Out-of-Network: 40% coinsurance

Diagnostic Radiology Services*

In-Network: $150 copay

Out-of-Network: 40% coinsurance

Hearing Services

In-Network:

  • Medicare-covered Hearing exam: $45 copay
  • Non-Medicare covered routine Hearing exam: $0 copay
     

Out-of-Network:

  • Medicare-covered Hearing exam: $65 copay
  • Non-Medicare covered routine Hearing exam: $65 copay

Hearing Aids:

  • $600 per Entry level hearing aid
  • $775 per Basic level hearing aid
  • $1,075 per Prime level hearing aid
  • $1,375 per Preferred level hearing aid
  • $1,675 per Advanced level hearing aid
  • $2,075 per Premium level hearing aid

Limit of two hearing aids per benefit year, one per ear. Routine hearing exam and hearing aids must be received from a NationsBenefits Hearing provider. Coverage will not be provided for hearing aids purchased from a non-participating provider. 

Prepaid Benefits Card Wellness Allowance can be used to assist with hearing aid costs.

Dental Services

In-Network:

Medicare-covered Dental: $45 copay

Out-of-Network:

Medicare-covered Dental: $65 copay

In-Network and Out-of-Network:

Non-Medicare covered Dental:

  • $0 copay for Diagnostic and Preventive Dental.
  • $0 copay up to the calendar year maximum of $1,500
    for Comprehensive Dental.

Diagnostic and Preventive Dental services include:

  • Prophylaxis (cleanings) – limited to 2 per calendar year
  • Evaluations
  • X-rays
  • Fluoride Treatment
  • Comprehensive Dental services include:
  • Restorative Services (fillings, inlays, onlays, and crowns)
  • Endodontic Services
  • Periodontic Services
  • Prosthodontics, removable dentures and fixed bridges
  • Oral and Maxillofacial Surgery (extractions)
  • Adjunctive General Services (palliative treatment, deep sedation/general anesthesia)
  • Teledentistry (synchronous and asynchronous, must be accompanied by a covered procedure)

This is a brief summary of covered services only. Please refer to the Evidence of Coverage document for a full listing of covered services. Dental services are administered by Dominion Dental Services, Inc. You can access the Dental Provider directory here or by contacting Member Services.

Vision Services

In-Network:

  • Medicare-covered vision exam: $45 copay
  • Non-Medicare covered Routine Eye Exam: $0 copay (one per calendar year)

Out-of-Network:

  • Medicare-covered vision exam: $65 copay
  • Non-Medicare covered Routine Eye Exam: $65 copay (one per calendar year)

$200 allowance per calendar year to use towards the purchase of one of the following: contact lenses, eyeglass lenses, eyeglass frames, or eyeglasses (lenses and frames). 

Eyewear allowance must be received from an EyeMed Access Network participating provider or retail location. 

Prepaid Benefits Card Wellness Allowance can be used for additional eyewear costs.

Mental Health Services*

In-Network:

Mental Health and Psychiatric Services:

  • Outpatient group therapy: $30 copay per session
  • Outpatient individual therapy: $30 copay per session

Inpatient Psychiatric care, per stay:

  • Days 1-6: $375 copay per day
  • Days 7-90: $0 copay per day

Out-of-Network:

Mental Health and Psychiatric Services:

  • Outpatient group therapy: $65 copay per session
  • Outpatient individual therapy: $65 copay per session

Inpatient Psychiatric care, per stay:

  • Days 1-90: 40% coinsurance

Skilled Nursing Facility (SNF)*

For each Medicare-covered stay:

In-Network:

  • Days 1-20: $0 copay per day
  • Days 21-51: $190 copay per day
  • Days 52-100: $0 copay per day

Out-of-Network:

  • Days 1-100: 20% coinsurance

Physical Therapy

In-Network: $40 copay per visit

Out-of-Network: 45% coinsurance per visit

Ambulance*

In-Network and Out-of-Network:

Ground and Air Ambulance: $275 copay per ride

If you are admitted to the hospital, your copay is waived.

Transportation*

$0 copay for 6 one-way rides per year for non-emergency, plan approved health-related locations. Rides are only covered when using the plan’s contracted transportation providers.

Medicare Part B Drugs*

In-Network and Out-of-Network:

Up to 20% coinsurance

Insulin (when used in an insulin pump): $35 copay for a one-month supply

Prepaid Benefits Card

Wellness: $750 annually

Wellness Allowance: annual allowance to be used for fees required at fitness facilities for memberships, fitness-related items purchased through NationsBenefits, weight management support programs like Weight Watchers, mental health and mindfulness applications such as Calm and Headspace, eyewear costs, and hearing aid costs for hearing aids purchased through NationsBenefits Hearing providers. The Prepaid Benefits Card is preloaded with the full benefit amount by allowance and members can choose where to use it based on plan approved locations. The Prepaid Benefits Card is not eligible for cost sharing for covered benefits or prescription drugs.

Over-the-Counter (OTC) Items

$120 quarterly allowance

The quarterly allowance can be used to purchase OTC items through plan approved retail locations as well as through mail order using NationsBenefits. The OTC quarterly allowance will be loaded onto your Prepaid Benefits Card. 

Unused balances at the end of each benefit period (calendar quarter) will be carried over to the next benefit period. Unused balances at the end of the benefit year will be forfeited.

Personal Emergency Response System (PERS)

$0 copay for one PERS device and monthly monitoring.

PERS devices must be ordered through NationsBenefits. Both in-home and on-the-go device options are available.

Online Fitness and Wellness Program

$0 copay for access to online fitness and wellness services through membership with Age Bold. Age Bold provides individuals with personalized programs designed to support healthy aging. To learn more about Age Bold, please visit agebold.com/massadvantage/ or contact Member Services.

Services with * may require prior authorization

Part D Prescription Drugs

Benefit Mass Advantage Premiere (PPO) Mass Advantage Extra (PPO)

Deductible Stage

$250 per year for Tiers 3, 4, 5

$200 per year for Tiers 3, 4, 5

Initial Coverage Stage

You pay the following until your total out-of-pocket drug costs reach $2,100:

Tier30 Day Supply100 Day Supply
Tier 1 (Preferred Generic)$0 copay$0 copay
Tier 2 (Generic)$0 copay$0 copay
Tier 3 (Preferred Brand)$42 copay$84 copay
Tier 4 (Non-Preferred Drug)40% coinsurance40% coinsurance
Tier 5 (Specialty Tier)30% coinsurance30% coinsurance

Prescriptions filled at a Long-Term Care Pharmacy for a 31-day supply are covered at the same cost as retail in the chart above. Your cost share may be different for out-of-network pharmacies and limited to a 30-day supply.

You pay the following until your total out-of-pocket drug costs reach $2,100:

Tier30 Day Supply100 Day Supply
Tier 1 (Preferred Generic)$0 copay$0 copay
Tier 2 (Generic)$0 copay$0 copay
Tier 3 (Preferred Brand)$42 copay$84 copay
Tier 4 (Non-Preferred Drug)40% coinsurance40% coinsurance
Tier 5 (Specialty Tier)30% coinsurance30% coinsurance

Prescriptions filled at a Long-Term Care Pharmacy for a 31-day supply are covered at the same cost as retail in the chart above. Your cost share may be different for out-of-network pharmacies and limited to a 30-day supply.

Catastrophic Stage

You pay $0 for all covered Part D drugs for the remainder of the calendar year.

You pay $0 for all covered Part D drugs for the remainder of the calendar year.

Additional Part D Benefit Information

Insulin: Although all of the insulins covered by our plan are on Tier 3, you will pay no more than $35 for a one-month supply of insulin. You pay this amount until your out-of-pocket costs reach $2,100 and you enter the Catastrophic Coverage stage. 

Vaccines: You pay $0 for your vaccines that are covered under Part B (e.g. flu vaccine, COVID vaccine) and Part D (e.g. Shingrix) all year long. Please see the Evidence of Coverage for more information on Part B and Part D vaccines.

Insulin: Although all of the insulins covered by our plan are on Tier 3, you will pay no more than $35 for a one-month supply of insulin. You pay this amount until your out-of-pocket costs reach $2,100 and you enter the Catastrophic Coverage stage. 

Vaccines: You pay $0 for your vaccines that are covered under Part B (e.g. flu vaccine, COVID vaccine) and Part D (e.g. Shingrix) all year long. Please see the Evidence of Coverage for more information on Part B and Part D vaccines.

“Extra Help” Program

If you qualify for “Extra Help”, your cost-share may differ from the amounts shown above. To find out if you qualify for “Extra Help,” please contact the Social Security Office at (800) 772-1213, TTY: (800) 325-0778 Monday through Friday, 7 am to 7 pm.

If you qualify for “Extra Help”, your cost-share may differ from the amounts shown above. To find out if you qualify for “Extra Help,” please contact the Social Security Office at (800) 772-1213, TTY: (800) 325-0778 Monday through Friday, 7 am to 7 pm.

Part D Prescription Drugs

Mass Advantage Premiere (PPO)

Deductible Stage

$250 per year for Tiers 3, 4, 5

Initial Coverage Stage

You pay the following until your total out-of-pocket drug costs reach $2,100:

Tier30 Day Supply100 Day Supply
Tier 1 (Preferred Generic)$0 copay$0 copay
Tier 2 (Generic)$0 copay$0 copay
Tier 3 (Preferred Brand)$42 copay$84 copay
Tier 4 (Non-Preferred Drug)40% coinsurance40% coinsurance
Tier 5 (Specialty Tier)30% coinsurance30% coinsurance

Prescriptions filled at a Long-Term Care Pharmacy for a 31-day supply are covered at the same cost as retail in the chart above. Your cost share may be different for out-of-network pharmacies and limited to a 30-day supply.

Catastrophic Stage

You pay $0 for all covered Part D drugs for the remainder of the calendar year.

Additional Part D Benefit Information

Insulin: Although all of the insulins covered by our plan are on Tier 3, you will pay no more than $35 for a one-month supply of insulin. You pay this amount until your out-of-pocket costs reach $2,100 and you enter the Catastrophic Coverage stage. 

Vaccines: You pay $0 for your vaccines that are covered under Part B (e.g. flu vaccine, COVID vaccine) and Part D (e.g. Shingrix) all year long. Please see the Evidence of Coverage for more information on Part B and Part D vaccines.

“Extra Help” Program

If you qualify for “Extra Help”, your cost-share may differ from the amounts shown above. To find out if you qualify for “Extra Help,” please contact the Social Security Office at (800) 772-1213, TTY: (800) 325-0778 Monday through Friday, 7 am to 7 pm.

Mass Advantage Extra (PPO)

Deductible Stage

$200 per year for Tiers 3, 4, 5

Initial Coverage Stage

You pay the following until your total out-of-pocket drug costs reach $2,100:

Tier30 Day Supply100 Day Supply
Tier 1 (Preferred Generic)$0 copay$0 copay
Tier 2 (Generic)$0 copay$0 copay
Tier 3 (Preferred Brand)$42 copay$84 copay
Tier 4 (Non-Preferred Drug)40% coinsurance40% coinsurance
Tier 5 (Specialty Tier)30% coinsurance30% coinsurance

Prescriptions filled at a Long-Term Care Pharmacy for a 31-day supply are covered at the same cost as retail in the chart above. Your cost share may be different for out-of-network pharmacies and limited to a 30-day supply.

Catastrophic Stage

You pay $0 for all covered Part D drugs for the remainder of the calendar year.

Additional Part D Benefit Information

Insulin: Although all of the insulins covered by our plan are on Tier 3, you will pay no more than $35 for a one-month supply of insulin. You pay this amount until your out-of-pocket costs reach $2,100 and you enter the Catastrophic Coverage stage. 

Vaccines: You pay $0 for your vaccines that are covered under Part B (e.g. flu vaccine, COVID vaccine) and Part D (e.g. Shingrix) all year long. Please see the Evidence of Coverage for more information on Part B and Part D vaccines.

“Extra Help” Program

If you qualify for “Extra Help”, your cost-share may differ from the amounts shown above. To find out if you qualify for “Extra Help,” please contact the Social Security Office at (800) 772-1213, TTY: (800) 325-0778 Monday through Friday, 7 am to 7 pm.