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Liberty Advantage

Liberty Advantage (HMO I-SNP), Liberty Advantage Gold (HMO I-SNP), and Liberty at Home (HMO I-SNP) are Institutional Special Needs Plans (I-SNPs) dedicated to providing personlized care to their members. All members get more than what is covered by Original Medicare. Under Liberty Advantage, you will receive all benefits covered under Medicare Part A and Part B, Medicare Part D Prescription Drug Coverage, and many supplemental benefits such as routine hearing and eye exams. Additionally, when you enroll in Liberty Advantage, a customized care team, supported by a nurse practitioner or physician will develop, enact, and coordinate your personal care plan. If you or your loved one is eligible, Liberty Advantage can greatly improve the care you receive, resulting in better health and well-being.

Membership advantages include:

  • Medicare Part D Prescription Drug Coverage
  • Preventative screenings
  • Regular visits from a nurse practitioner or physician with the goal of better care coordination and more personalized care which leads to fewer unwanted trips to the hospital
  • A personalized care plan that ensures that you are receiving the best and most appropriate care possible
  • Open communication between you, your family, your care team, and nursing facility staff
  • One point of contact for communication between you, your family, your care team, and nursing facility staff

You have choices with Liberty Advantage

You are eligible to join Liberty Advantage Plan if you have Medicare Part A (Hospital Insurance), Medicare Part B (Medical Insurance), and meet Liberty Advantage Plan’s eligibility requirements.

Liberty Advantage I-SNP

Liberty Advantage is best suited for people who reside in one of our participating assisted living communities and meet a nursing facility level of care or reside in one of our participating nursing facilities for greater than 90 days.

Liberty Advantage I-SNP GOLD

Liberty Advantage is best suited for people who plan to pay for care privately and, reside in one of our participating assisted living communities and meet a nursing facility level of care or reside in one of our participating nursing facilities for greater than 90 days.

Benefit Highlights

2019 I-SNP Benefit Highlights

How much is the monthly premium?
$28.90 per month. You also must keep paying your Medicare Part B premium.

How much is the deductible?
$183 per year for in-network services. This amount may change for 2020.
$415 per year for Part D prescription drugs. This amount may change for 2020.

Is there a Maximum Out-Of-Pocket Cost per year?
Yes, similarly to all Medicare plans, we protect you by establishing a maximum amount that you will pay out of pocket for covered services. The yearly Maximum Out-Of-Pocket Cost is $6,600.

After reaching this limit, the plan will pay for all covered services and procedures. Please note: you will still have to pay your monthly premiums and cost-sharing for Part D prescription drugs.

Is there a limit on how much the plan will pay?
The plan does have a yearly coverage limit for certain in-network benefits. Please contact us for more information.

Below is a chart of Benefits that our plan offers. These Benefits are provided in addition to all Original Medicare benefits.

Benefits Coverage
Primary Care Physician (PCP) Visit $0 Copay – You Pay Nothing
Foot Care $0 Copay for 6 routine podiatry visits per year
Hearing $0 Copay for routine hearing exam and hearing aid fitting and evaluation + up to $2,000 for hearing aids every two years
Vision $0 Copay for routine eye exam and glaucoma test + up to $300 for eyewear every year
Transportation $0 Copay – You Pay Nothing for 24 one-way trips per year for non-emergency medical services
Skilled Nursing No prior hospitalization required for a skilled nursing stay
Mental Health Services $0 Copay for services administered in a facility

2019 I-SNP GOLD Benefit Highlights

How much is the monthly premium?
$175.00 per month. You also must keep paying your Medicare Part B premium.

How much is the deductible?
$0 per year for in-network services.
$0 per year for Part D prescription drugs.

Is there a Maximum Out-Of-Pocket Cost per year?
Yes, similarly to all Medicare plans, we protect you by establishing a maximum amount that you will pay out of pocket for covered services. The yearly Maximum Out-Of-Pocket Cost is $5,000.

After reaching this limit, the plan will pay for all covered services and procedures. Please note: you will still have to pay your monthly premiums and cost-sharing for Part D prescription drugs.

Is there a limit on how much the plan will pay?
The plan does have a yearly coverage limit for certain in-network benefits. Please contact us for more information.

Below is a chart of Benefits that our plan offers. These Benefits are provided in addition to all Original Medicare benefits.

Benefits Coverage
Primary Care Physician (PCP) Visit $0 Copay – You Pay Nothing
Inpatient Hospitalization You only pay $330 per day for days 1-5 and $0 per day for days 6-90 for an inpatient hospitalization
Urgent Care $30 Copay for services at an urgent care
Foot Care $0 Copay for 4 routine podiatry visits per year
Hearing Allowance of $2,000 every two years towards hearing aids, fitting and evaluation
Vision $0 Copay for routine eye exam and glaucoma test + up to $275 for eyewear every year
Dental $0 Copay for a preventive oral exam and cleaning every six months + up to $2,000 for other dental services
Skilled Nursing No prior hospitalization required for a skilled nursing stay
Transportation $0 Copay for 24 one-way trips per year for non-emergency medical services
Optional Personal Care Plan covers 10 hours of personal care assistance in place of or immediately following a hospital or a Skilled Nursing Facility (SNF) stay
Enhanced Part D Tier 1: $4
Tier 2: $15
Tier 3: $45
Tier 4: $95
Tier 5: 33% coinsurance
Tier 1: Preferred generic
Tier 2: Generic
Tier 3: Preferred brand
Tier 4: Nonpreferred brand
Tier 5: Specialty

2020 I-SNP Benefit Highlights

How much is the monthly premium?
$26.40 per month. You also must keep paying your Medicare Part B premium.

How much is the deductible?
$185 per year for in-network services.
$435 per year for Part D prescription drugs.

Is there a Maximum Out-Of-Pocket Cost per year?
Yes, similarly to all Medicare plans, we protect you by establishing a maximum amount that you will pay out of pocket for covered services. The yearly Maximum Out-Of-Pocket Cost is $6,600.

After reaching this limit, the plan will pay for all covered services and procedures. Please note: you will still have to pay your monthly premiums and cost-sharing for Part D prescription drugs.

Is there a limit on how much the plan will pay?
The plan does have a yearly coverage limit for certain in-network benefits. Please contact us for more information.

Below is a chart of Benefits that our plan offers. These Benefits are provided in addition to all Original Medicare benefits.

Benefits Coverage
Primary Care Physician (PCP) Visit $0 Copay
Podiatry $0 Copay for 4 routine foot care visits per year
Hearing $0 Copay for routine hearing exam and hearing aid fitting and evaluation + up to $2,000 for hearing aids every three years
Vision $0 Copay for routine eye exam + up to $300 for eyewear every year
Transportation $0 Copay – You Pay Nothing for 20 one-way trips per year for non-emergency medical services
Skilled Nursing No prior hospitalization required for a skilled nursing stay

2020 I-SNP GOLD Benefit Highlights

How much is the monthly premium?
$175.00 per month. You also must keep paying your Medicare Part B premium.

How much is the deductible?
$0 per year for in-network services.
$0 per year for Part D prescription drugs.

Is there a Maximum Out-Of-Pocket Cost per year?
Yes, similarly to all Medicare plans, we protect you by establishing a maximum amount that you will pay out of pocket for covered services. The yearly Maximum Out-Of-Pocket Cost is $5,000.

After reaching this limit, the plan will pay for all covered services and procedures. Please note: you will still have to pay your monthly premiums and cost-sharing for Part D prescription drugs.

Is there a limit on how much the plan will pay?
The plan does have a yearly coverage limit for certain in-network benefits. Please contact us for more information.

Below is a chart of Benefits that our plan offers. These Benefits are provided in addition to all Original Medicare benefits.

Benefits Coverage
Primary Care Physician (PCP) Visit $0 Copay
Inpatient Hospitalization You only pay $330 per day for days 1-5 and $0 per day for days 6-90 for an inpatient hospitalization
Urgent Care $30 Copay for services at an urgent care
Foot Care $0 Copay for 4 routine foot care visits per year
Hearing Allowance of $2,000 every two years towards hearing aids, fitting and evaluation
Vision $0 Copay for routine eye exam + up to $275 for eyewear every year
Dental $0 Copay for a preventive oral exam and cleaning every six months + up to $2,000 for other dental services
Skilled Nursing No prior hospitalization required for a skilled nursing stay
Transportation $0 Copay for 24 one-way trips per year for non-emergency medical services
Enhanced Part D Tier 1: $4
Tier 2: $15
Tier 3: $45
Tier 4: $95
Tier 5: 33% coinsurance
Tier 1: Preferred generic
Tier 2: Generic
Tier 3: Preferred brand
Tier 4: Nonpreferred brand
Tier 5: Specialty

Liberty Advantage Management

An effective post-acute care delivery system is composed of many things, each a critical component to care. First is building a system that combines the talents of an interdisciplinary team in a variety of settings to meet patient needs. Equally important is access to services. Liberty Healthcare and Rehabilitation Services helps patients to overcome setbacks following injury, illness or accident. As a network of post-acute services situated throughout North Carolina, South Carolina and Virginia, Liberty Advantage provides a continuum of care including skilled rehabilitation facilities, independent and assisted living, home health, hospice, palliative care and respite services with support from the durable medical equipment and pharmacy divisions. As a family-owned and operated company, with a strong commitment to Caring with Excellence, Liberty Advantage has developed and operated health care services in North Carolina since 1870.

Our philosophy is to offer the communities we serve with a complete senior care continuum, close to home and family. This means offering in-patient short term rehabilitation, long-term care, out-patient services with select centers offering assisted living. Hospice and respite care are also offered within our in-patient level of care and the continuum extends beyond the walls of our skilled nursing facilities and to the company’s home health, pharmacy and medical equipment branches to meet the needs of patients following discharge. Liberty Advantage represents a natural transition for Liberty Advantage by offering a plan that supports our most fragile residents.

Want more information about Liberty Advantage?

Call us at 1-844-854-6884 (TTY: 711). Our trained member service representatives are available from 8:00 a.m. to 8:00 p.m., or fill out this contact me form to have us call you.

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