MVP Medicare Preferred Gold without Part D (HMO-POS) Medicare Advantage Plan H3305-020 • 2026 • Westchester County, NY

MVP Medicare Preferred Gold without Part D Overview

Plan Details for MVP Medicare Preferred Gold without Part D

MVP Medicare Preferred Gold without Part D is a Medicare Advantage HMO-POS plan that provides Medicare Part A and Part B coverage through a network of participating providers, with limited coverage available for out-of-network services in certain situations. The monthly premium is $0.00, and costs are generally lower when services are received from in-network providers.

Primary care visits have a $0 copay | Out-of-network: 30% coinsurance, specialist visits come with a $40 copay | Out-of-network: 30% coinsurance, urgent care services carry a $40 copay, and ambulance transportation is $200 copay | Out-of-network: $200-$400 copay. These costs apply toward the maximum out-of-pocket (MOOP) limit of $7200.00. Once this limit is reached, in-network services are fully covered for the remainder of the year.

This plan is listed by CMS under Plan ID H3305-020. Cost-sharing details are provided below.

Cost Sharing Expenses

MVP Medicare Preferred Gold without Part D has cost-sharing, meaning there are out-of-pocket costs when receiving covered healthcare services. The table below details the most common in-network out-of-pocket expenses for plan H3305-020.

Certain preventive services are covered 100% by MVP Medicare Preferred Gold without Part D as a Part B benefit.

Prescription Drug Coverage

This plan does not include a Medicare Part D plan for prescriptions.

CMS 5-Star Ratings

The Centers for Medicare & Medicaid Services (CMS) rates Medicare Advantage (Part C) and Part D prescription drug plans each year using a 5-star system. These ratings measure plan performance in areas such as preventive care, management of chronic conditions, and member experience.