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CareFree Giveback (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for CareFree Giveback (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on CareFree Giveback (HMO) in 2025, please refer to our full plan details page.
CareFree Giveback (HMO) is a HMO plan offered by Humana Inc. available for enrollment in 2025 to people living in Broward and Palm Beach Counties. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that CareFree Giveback (HMO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about CareFree Giveback (HMO).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For CareFree Giveback (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $60.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has no drug deductible. Your prescription medication coverage will start immediately.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $5000.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The CareFree Giveback (HMO) plan has an enhanced alternative drug benefit. There is no deductible for prescription drugs. In the initial coverage phase, you will pay different copays or coinsurance amounts depending on the drug tier and pharmacy used. For example, you will pay no copay for preferred generic drugs at a standard pharmacy, but will pay a $12.00 copay for the same drug when using standard mail order. Once your total drug costs reach $2000.00, you enter the catastrophic coverage phase where you pay nothing for covered drugs.
Additional Benefits
The CareFree Giveback (HMO) plan offers a wide range of benefits with varying costs. Inpatient hospital stays have a $200 copay for the first 8 days, but no copay thereafter. Outpatient services, primary care, preventive services, and home health services are all available with no copay. The plan also includes coverage for hearing and vision services with some no-copay options, as well as dental services with no copays for many procedures. Other benefits include ambulance and transportation services, emergency services, and coverage for medical equipment.
Inpatient Hospital See details
Inpatient Hospital services are covered, with a $200 copay for days 1-8, and no copay for days 9-90 for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. Additional Days for Inpatient Hospital-Acute has no copay for days 91-999, while Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute, and Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services, including outpatient hospital services, observation services, ambulatory surgical center (ASC) services, outpatient substance abuse services, and outpatient blood services, are covered. Outpatient hospital services have a copay between $0 and $200, observation services have no copay, ASC services have no copay, outpatient substance abuse individual and group sessions have a copay of $20, and outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the CareFree Giveback (HMO) plan, with a $20 copay. Prior authorization and a doctor referral are required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services includes coverage for all ambulance services with a coinsurance for Medicare-covered ground ambulance services and a copay for Medicare-covered air ambulance services, as well as transportation services to a plan-approved health-related location with no copay. Transportation Services - Any Health-related Location is not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the CareFree Giveback (HMO) plan. Emergency Services have a $125 copay, Urgently Needed Services have a $20 copay, and Worldwide Emergency Services have copays between $20 and $125 depending on the specific service.
Primary Care See details
The CareFree Giveback (HMO) plan covers primary care physician services with no copay. Chiropractic services, including routine care, have a $20 copay, with a limit of 12 visits per year. Occupational therapy services, physician specialist services, physical therapy and speech-language pathology services, and mental health specialty services all have a $20 copay. Additional telehealth benefits have a copay ranging from $0 to $20. Podiatry services, other health care professional services, psychiatric services, and opioid treatment program services all have a $20 copay.
Preventive Services See details
The CareFree Giveback (HMO) plan covers preventive services, including an annual physical exam with no copay. Other preventive services, such as Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit, are covered with no copay.
Hearing Services See details
Hearing Services includes hearing exams with a $20 copay, routine hearing exams with no copay for one exam per year, and fitting/evaluation for hearing aids with no copay for one visit per year. Prescription hearing aids are covered with a maximum benefit of $500 per year, and OTC hearing aids are covered with a maximum benefit of $30 every three months. Prescription Hearing Aids - Inner Ear, Outer Ear, and Over the Ear are not covered.
Vision Services See details
Vision services are covered, including eye exams and eyewear, with prior authorization and a doctor referral required. Routine eye exams have no copay, while other eye exams have a copay between $0 and $20; contact lenses and eyeglasses (lenses and frames) have no copay. Eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
CareFree Giveback (HMO) offers dental services including Medicare Dental Services with a $20 copay, and other dental services with no copay for Oral Exams, Dental X-Rays, Other Diagnostic Dental Services, Prophylaxis (Cleaning), Restorative Services, Adjunctive General Services, Prosthodontics (removable), and Oral and Maxillofacial Surgery. Fluoride Treatment, Endodontics, Periodontics, Maxillofacial Prosthetics, Implant Services, Prosthodontics (fixed), and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the CareFree Giveback (HMO) plan, with prior authorization required. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the CareFree Giveback (HMO) plan, but require prior authorization and a doctor's referral. The coinsurance for dialysis services is 20%.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 20% coinsurance and requires prior authorization, Prosthetic Devices with a 20% coinsurance, and Medical Supplies with 20% coinsurance. Diabetic Supplies have no copay, and Diabetic Therapeutic Shoes/Inserts have a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered under the CareFree Giveback (HMO) plan. Diagnostic Procedures/Tests have a copay between $0 and $110, while Lab Services have no copay. Diagnostic Radiological Services have a copay up to $200. Therapeutic Radiological Services have a copay of up to $20 and coinsurance of at least 20%, while Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered with no copay and no coinsurance. Additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the CareFree Giveback (HMO) plan. This includes Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the CareFree Giveback (HMO) plan. There is no copay for days 1-20, and a $125 copay for days 21-100.
Other Services See details
Other Services include acupuncture with a $20 copay, over-the-counter items with a $30 maximum benefit every three months, and a meal benefit with no copay. Also included in this benefit are services that are not covered such as Dual Eligible SNPs, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, and others.
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