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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 Miami-Dade County. 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 $80.00. 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 $3400.00 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 a $0 deductible for prescription drugs. In the initial coverage phase, you'll pay varying copays or coinsurance depending on the drug tier and pharmacy type. For example, you will pay no copay for preferred generic drugs at a standard pharmacy, but $10.00 copay at a standard mail pharmacy. Once your total drug costs reach $2000.00, you enter the catastrophic coverage phase, where you will pay nothing for Medicare Part D covered drugs. If you qualify for the low-income subsidy, you will pay $0.00 for Part D drugs.
Additional Benefits
The CareFree Giveback (HMO) plan offers comprehensive coverage with a focus on low-cost services. Many services have no copay, including primary care visits, outpatient substance abuse, hearing exams, vision services, dental services, preventive services, and home health services. The plan also covers inpatient hospital stays with a $100 copay for the first seven days, and then no copay for the remaining days in the hospital. The plan also provides coverage for emergency services, ambulance services, and transportation to health-related locations. Diagnostic and radiological services are covered, with some services having a copay, and others having no copay. The plan also offers benefits like over-the-counter items, acupuncture, and hearing aids.
Inpatient Hospital See details
Inpatient Hospital services, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered. For Inpatient Hospital-Acute, you will pay a $100 copay for days 1-7, and no copay for days 8-90, while additional days (91-999) have no copay; Non-Medicare-covered stays and upgrades are not covered. For Inpatient Hospital Psychiatric, you will pay a $100 copay for days 1-7, and no copay for days 8-90, while additional days are not covered.
Outpatient Services See details
Outpatient Services, including all outpatient hospital services, are covered by the CareFree Giveback (HMO) plan, with copays ranging from $0 to $100. Ambulatory Surgical Center (ASC) Services and Outpatient Blood Services are covered with no copay, and Outpatient Substance Abuse Services, including individual and group sessions, are covered with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the CareFree Giveback (HMO) plan, with no copay required. Prior authorization and a doctor referral are needed for coverage.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the CareFree Giveback (HMO) plan. Ground Ambulance Services have a copay between $0 and $200, Air Ambulance Services have a 20% coinsurance, and Transportation Services to a plan-approved health-related location are covered with no copay for up to 20 one-way trips per year.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered. Emergency Services and Worldwide Emergency Coverage have a $140 copay, Urgently Needed Services has no copay, and Worldwide Urgent Coverage has a copay between $0 and $140. Worldwide Emergency Transportation has a $140 copay. There is no coinsurance for any of these services.
Primary Care See details
The CareFree Giveback (HMO) plan covers primary care physician services, chiropractic services, occupational therapy services, physician specialist services, mental health specialty services, podiatry services, other health care professional services, psychiatric services, physical therapy and speech-language pathology services, additional telehealth benefits, and opioid treatment program services. Primary care physician services have no copay. Chiropractic services, including routine care, have no copay. Physician specialist services, and additional telehealth benefits have no copay. Physical therapy and speech-language pathology services have no copay. Mental health specialty services, podiatry services, other health care professional services, psychiatric services, and opioid treatment program services have a copay of $0.
Preventive Services See details
The CareFree Giveback (HMO) plan covers preventive services, including an annual physical exam with no copay. Additional preventive services are covered, including Medicare-covered Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit, all with no copay.
Hearing Services See details
CareFree Giveback (HMO) covers hearing exams with no copay, routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids have a yearly maximum benefit of $500 per ear, and OTC hearing aids are covered up to $15 per month. Prescription hearing aids for the inner and outer ear, and over the ear are not covered.
Vision Services See details
Vision services are covered, including eye exams and eyewear. Eye exams and eyewear have no copay, and contact lenses and eyeglasses (lenses and frames) are covered with no copay, but eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental Services includes coverage for Medicare Dental Services, Oral Exams, Dental X-Rays, Other Diagnostic Dental Services, Prophylaxis (Cleaning), Other Preventive Dental Services, Restorative Services, Adjunctive General Services, Periodontics, and Oral and Maxillofacial Surgery, all with no copay, but Fluoride Treatment, Endodontics, Prosthodontics (removable), Maxillofacial Prosthetics, Implant Services, Prosthodontics (fixed), and Orthodontics are not covered. Coverage for Oral Exams, Dental X-Rays, Other Diagnostic Dental Services, Prophylaxis (Cleaning), Other Preventive Dental Services, Restorative Services, Periodontics, and Oral and Maxillofacial Surgery require prior authorization.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the CareFree Giveback (HMO) plan, but require prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay, and a coinsurance between 0% and 20%. For other Medicare Part B drugs, there is a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered, but require prior authorization and a doctor's referral. You will pay 20% coinsurance for this service.
Medical Equipment See details
Medical Equipment, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment, is covered. Durable Medical Equipment has a 20% coinsurance and no copay, and Durable Medical Equipment for use outside the home is not covered. Prosthetic Devices, Medical Supplies, Diabetic Supplies, and Diabetic Therapeutic Shoes/Inserts have no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, diagnostic procedures/tests, lab services, and all radiological services. Diagnostic Procedures/Tests have a copay between $0 and $40, while Lab Services have no copay. Diagnostic Radiological Services have a copay of up to $100 and Therapeutic Radiological Services have a coinsurance of at most 20% with no copay. Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered by the CareFree Giveback (HMO) plan 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. The plan does not cover Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, or Additional Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the CareFree Giveback (HMO) plan with prior authorization and a doctor's referral. There is no copay for days 1-7, and a $20 copay for days 8-100.
Other Services See details
Under the CareFree Giveback (HMO) plan, acupuncture is covered with no copay, but requires prior authorization and is limited to 20 treatments per year. Over-the-counter (OTC) items are covered with a maximum benefit coverage amount of $15.00 every month, and the plan offers nicotine replacement therapy and Naloxone coverage.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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