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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 2026, 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 4.5 out of 5 stars in 2026.
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 $70.00. 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) prescription drug plan features a $0 drug deductible, allowing your coverage to begin immediately with no upfront out-of-pocket deductible costs. For Tier 1 preferred generic drugs, there is no copay for one-month or three-month supplies filled through standard pharmacies, preferred mail order, or standard mail order. Tier 2 generic medications also feature no copay at standard pharmacies and preferred mail order, while standard mail order requires a $12 copay for a one-month supply and a $36 copay for a three-month supply. Tier 3 preferred brand drugs cost a $30 copay for a one-month supply at standard pharmacies and preferred mail order, with standard mail order costing up to $141 for a three-month supply. Higher-tier medications require coinsurance, with Tier 4 non-preferred drugs carrying a 35% coinsurance for both one-month and three-month supplies. Tier 5 specialty drugs require a 33% coinsurance for a one-month supply across standard pharmacies, preferred mail order, and standard mail order.
Additional Benefits
The CareFree Giveback (HMO) plan offers affordable coverage for essential medical needs, featuring no copay and no coinsurance for primary care visits, preventive care, and home health services. Inpatient hospital stays require a $200 daily copay for days one through eight, followed by no copay for additional days, while outpatient hospital services range from no copay to a $200 copay. Emergency room visits carry a $125 copay, which is waived upon admission, while urgent care services are available for a $25 copay. Specialist consultations, mental health therapy, and dental care are highly accessible, with copays of $20 or less and no coinsurance. Routine vision and hearing exams, along with select eyewear and over-the-counter hearing aids, are fully covered with no copay. Additionally, members receive no-copay diabetic supplies and over-the-counter items, while durable medical equipment and dialysis services require a standard 20% coinsurance.
Inpatient Hospital See details
CareFree Giveback (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $200 daily copay for days 1 through 8 and no copay for days 9 through 90. Unlimited additional acute care days are covered at no copay, though additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
CareFree Giveback (HMO) covers outpatient services with no coinsurance, though prior authorization and referrals are required. There is no copay for ambulatory surgical center, observation, and blood services, while outpatient substance abuse sessions carry a $20 copay and outpatient hospital services have a copay ranging from $0 to $200.
Partial Hospitalization See details
CareFree Giveback (HMO) covers partial hospitalization services with a $20.00 copay and no coinsurance. Prior authorization and a referral are required to access this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered under CareFree Giveback (HMO), with ground ambulance services costing a $0 to $250 copay plus coinsurance, and air ambulance services requiring a 20% coinsurance and a copay. Transportation is partially covered, offering up to 26 one-way trips per year to plan-approved locations with no copay or coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
CareFree Giveback (HMO) covers emergency services with a $125 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a $25 copay and no coinsurance, while worldwide emergency, urgent, and transportation services feature no coinsurance and copays ranging from $25 to $125.
Primary Care See details
CareFree Giveback (HMO) covers primary care physician services with no copay and no coinsurance, while specialist, therapy, and mental health services require a $20 copay and no coinsurance. Chiropractic services are partially covered, offering routine care for a $15 copay and no coinsurance for up to 12 visits per year, though other chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by CareFree Giveback (HMO) with no copay and no coinsurance, including annual physical exams, kidney disease education, and memory fitness. However, the benefit is partially covered, as sub-services like health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home modifications, and counseling are not covered.
Hearing Services See details
CareFree Giveback (HMO) covers hearing services with no coinsurance, offering Medicare-covered exams for a $20 copay, and routine exams, fittings, and OTC hearing aids for no copay. Prescription hearing aids are partially covered with no copay up to a $500 maximum benefit per ear annually, though inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
CareFree Giveback (HMO) vision services are partially covered with no coinsurance, offering routine eye exams and select eyewear with no copay. While one routine exam per year and eyeglasses or contact lenses are covered up to a $200 annual limit, other eye exams, separate lenses, separate frames, and upgrades are not covered.
Dental Services See details
CareFree Giveback (HMO) provides partially covered dental services, featuring Medicare-covered dental care with a $20 copay and no coinsurance, and other covered dental benefits with no copay and no coinsurance. Specific services that are not covered under this plan include fluoride treatments, endodontics, implants, prosthodontics, and orthodontics.
Home Infusion bundled Services See details
CareFree Giveback (HMO) covers Home Infusion bundled Services with no copay, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy, radiation, and insulin, have no coinsurance to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis services are covered under the CareFree Giveback (HMO) plan with no copay and a 20% coinsurance. Prior authorization and a referral are required to access these benefits.
Medical Equipment See details
CareFree Giveback (HMO) covers durable medical equipment, prosthetics, and medical supplies with a 20% coinsurance and no copay. Diabetic supplies are covered with no copay and no coinsurance, while diabetic therapeutic shoes or inserts require a $10 copay and no coinsurance.
Diagnostic and Radiological Services See details
CareFree Giveback (HMO) covers diagnostic and radiological services with prior authorization and referrals required, offering no coinsurance for diagnostic services. Members pay no copay for lab services and outpatient X-rays, a $0 to $110 copay for diagnostic procedures, and a minimum $20 copay and 20% coinsurance for therapeutic radiology.
Home Health Services See details
Home health services are covered under CareFree Giveback (HMO) with no copay and no coinsurance, although prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by CareFree Giveback (HMO) with no coinsurance, though only some services are covered as cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for PAD services are not covered. These services carry a $20 copay, and prior authorization and referrals are required for coverage.
Skilled Nursing Facility (SNF) See details
CareFree Giveback (HMO) covers Skilled Nursing Facility (SNF) care with no coinsurance, requiring no copay for days 1 through 20 and a $125 daily copay for days 21 through 100. Prior authorization and referrals are required, a prior three-day hospital stay is not required, and additional days beyond the standard Medicare-covered 100 days are not covered.
Other Services See details
CareFree Giveback (HMO) partially covers other services, excluding Dual Eligible SNPs with Highly Integrated Services. Covered benefits include acupuncture with a $20 copay and no coinsurance, as well as over-the-counter (OTC) items and chronic illness meals with no copay and no coinsurance.
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