Freedom Valor (PPO)

Highmark Western and Northeastern New York Inc. · 2027 plan year

Plan ID H5526-023-000

Local PPO★ 4.5 CMS Stars
MOOP (in-network)
$6,700
MOOP (combined)
$10,750
Monthly premium
$0/mo
Prescription drugs
Not included

This plan in 2026

Plan information

Contract / Plan / Segment
H5526-023-000
Medical deductible
$0 — no deductible
Also owed
Your Medicare Part B premium, paid separately

More Highmark Western and Northeastern New York Inc. plans in NY

Benefits & cost sharing

Primary Care

BenefitIn-network
Chiropractic — Routine Care$15

Hospital

BenefitIn-network
Inpatient Hospital — Additional Days (Acute)No charge
Inpatient Hospital — Non-Medicare Covered StaySee plan details
Inpatient Hospital — Psychiatric$260/day for days 1–6, $0 after
Worldwide Urgent Care Coverage$40
Inpatient Hospital — Acute$290/day for days 1–7, $0 after

Pharmacy

BenefitIn-network
Part B DrugsSee plan details
Chemotherapy & Radiation Drugs (Part B)0%-20% coinsurance
Other Part B Drugs0%-20% coinsurance

Mental Health

BenefitIn-network
Mental Health Specialty ServicesSee plan details
Mental Health — Individual Sessions$5
Mental Health — Group Sessions$5
Supplemental Health BenefitsSee plan details

Other

BenefitIn-network
Vision — Eyeglass FramesNo charge
Vision — Eyewear UpgradesNo charge
Skilled Nursing Facility (SNF)$0/day for days 1–20, $221/day for days 21–100
Cardiac & Pulmonary RehabilitationSee plan details
Cardiac Rehabilitation — Additional Sessions$15
Intensive Cardiac Rehabilitation — Additional Sessions$15
Pulmonary Rehabilitation — Additional Sessions$15
Supervised Exercise Therapy (SET)$15
Emergency Services$130
Urgently Needed Services$40
Worldwide Emergency & Urgent CoverageSee plan details
Worldwide Emergency Coverage$130
Worldwide Emergency Transportation$355
Partial Hospitalization Program$55
Intensive Outpatient Program (IOP)$55
Home Health ServicesNo charge
Primary Care Physician ServicesNo charge
Chiropractic Services$15
Chiropractic ServicesSee plan details
Occupational Therapy Services$15
Physician Specialist Services$35
Podiatry Services$35
Podiatry Services$35
Other Health Care Professional Services$0-$35
Psychiatric ServicesSee plan details
Psychiatric Services — Individual Sessions$5
Physical Therapy & Speech-Language Pathology$15
Additional Telehealth Services (Part B)$0-$40
Opioid Treatment Program Services$5
Diagnostic Tests & Lab ServicesSee plan details
Diagnostic Procedures & Tests$0-$10
Laboratory Services$0-$10
Radiological ServicesSee plan details
Diagnostic Radiology$225
Therapeutic Radiology20% coinsurance
X-Ray Services$45
Outpatient Hospital Services$0-$325
Hospital Observation Services$325/day
Ambulatory Surgical Center (ASC)$0-$225
Outpatient Substance Abuse ServicesSee plan details
Substance Abuse — Individual Sessions$5
Substance Abuse — Group Sessions$5
Outpatient Blood ServicesNo charge
Ambulance ServicesSee plan details
Ground Ambulance$355
Air Ambulance$355
Glaucoma ScreeningNo charge
Durable Medical Equipment (DME)0%-50% coinsurance
Prosthetics & OrthoticsSee plan details
Prosthetic Devices20% coinsurance
Medical Supplies20% coinsurance
Diabetic Supplies & ServicesSee plan details
Diabetic Supplies0%-20% coinsurance
Diabetic Therapeutic Shoes & InsertsNo charge
Diabetic Monitors0%-20% coinsurance
Dialysis Services20% coinsurance
Over-the-Counter (OTC) ItemsNo charge
Meal BenefitNo charge
Medicare-Covered Preventive ServicesSee plan details
Annual Physical ExamNo charge
Fitness BenefitNo charge
Enhanced Disease ManagementNo charge
Remote Access TechnologiesNo charge
Kidney Disease Education ServicesNo charge
Diabetes Self-Management TrainingNo charge
Digital Rectal ExamsNo charge
Welcome to Medicare EKGNo charge
Insulin (Part B)0%-20% coinsurance (max $35)
Dental — Medicare-Covered Services$35
Dental — PreventiveSee plan details
Dental — Oral ExamsNo charge
Dental — X-RaysNo charge
Dental — Prophylaxis (Cleaning)No charge
Dental — Fluoride TreatmentNo charge
Dental — ComprehensiveSee plan details
Dental — Restorative Services50% coinsurance
Dental — Endodontics (Root Canal)50% coinsurance
Dental — Periodontics (Gum Care)50% coinsurance
Dental — Removable Prosthodontics (Dentures)50% coinsurance
Dental — Fixed Prosthodontics (Bridges)50% coinsurance
Dental — Oral & Maxillofacial Surgery50% coinsurance
Dental — Adjunctive General Services50% coinsurance
Vision — Eye Exams$0-$35
Vision — Eye ExamsSee plan details
Vision — Routine Eye ExamsNo charge
Vision — EyewearNo charge
Vision — EyewearSee plan details
Vision — Contact LensesNo charge
Vision — Eyeglasses (Lenses & Frames)No charge
Vision — Eyeglass LensesNo charge
Hearing — Exams$35
Hearing — ExamsSee plan details
Hearing — Routine ExamsNo charge
Hearing — Fitting & Evaluation for Hearing AidNo charge
Hearing — Prescription Hearing AidsSee plan details
Hearing — Hearing Aids (All Types)$699-$999
Psychiatric Services — Group Sessions$5

Service area

  • NY: 8 counties

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