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CareFree Platinum Giveback (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for CareFree Platinum Giveback (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on CareFree Platinum Giveback (HMO) in 2026, please refer to our full plan details page.
CareFree Platinum Giveback (HMO) is a HMO plan offered by Humana Inc. available for enrollment in 2025 to people living in North Florida. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that CareFree Platinum 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 Platinum 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 Platinum 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 $121.00. 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 $3900.00 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 Platinum Giveback (HMO) plan features no drug deductible, meaning your prescription drug coverage begins immediately. For Tier 1 preferred generic and Tier 2 generic medications, you will pay no copay for a 1-month or 3-month supply at standard pharmacies and through preferred mail order. If you choose standard mail order for these generic tiers, copays range from $10 to $20 for a 1-month supply. For Tier 3 preferred brand drugs, copays start at $30 for a 1-month supply at standard pharmacies and preferred mail order, while standard mail order costs $47. Higher tier prescriptions require coinsurance rather than flat copays, with Tier 4 non-preferred drugs carrying a 35% coinsurance and Tier 5 specialty drugs requiring a 33% coinsurance. This straightforward structure helps you estimate your out-of-pocket prescription expenses and maximize your savings on common medications.
Additional Benefits
The CareFree Platinum Giveback (HMO) plan offers robust medical coverage with no copay for primary care visits, home health services, and routine preventive care. For inpatient hospital stays, members pay a $300 daily copay for the first five days and no copay for days six through ninety, while emergency room visits carry a $150 copay that is waived if admitted. Specialist visits and mental health services require a $30 copay, and there is no coinsurance for most of these core medical services. This plan also provides valuable extra benefits including routine dental, vision, and hearing exams with no copay. Members receive no-copay coverage for up to 26 one-way medical transportation trips per year, up to $500 per ear annually for prescription hearing aids, and a $180 annual allowance for eyewear. Durable medical equipment and dialysis services require a 20% coinsurance with no copay, while diabetic supplies are covered with no copay.
Inpatient Hospital See details
CareFree Platinum Giveback (HMO) partially covers inpatient hospital services with no coinsurance, requiring a $300 daily copay for days 1 through 5 and no copay for days 6 through 90. Unlimited additional acute hospital days are covered at no copay, but psychiatric additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient Services covered by CareFree Platinum Giveback (HMO) feature no coinsurance, with copays ranging from $0 to $300 for outpatient hospital services and no copay for ambulatory surgical center, observation, and blood services. Outpatient substance abuse individual and group sessions require a $30 copay, and prior authorization and referrals are required for these services.
Partial Hospitalization See details
CareFree Platinum Giveback (HMO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization and a referral are required to receive this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by CareFree Platinum Giveback (HMO), with ground ambulance services requiring a copay of $0 to $250 plus coinsurance, and air ambulance services requiring a 20% coinsurance and a copay. Transportation services are partially covered, offering up to 26 one-way trips per year to plan-approved health-related locations with no copay and no coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
Emergency services under the CareFree Platinum Giveback (HMO) are covered with a $150 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $40 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no coinsurance and copays ranging from $40 to $150.
Primary Care See details
CareFree Platinum Giveback (HMO) offers primary care physician services with no copay and no coinsurance, while specialist visits, therapy, and mental health services require a $30 copay and no coinsurance. Chiropractic services are partially covered, featuring a $20 copay and no coinsurance for routine care (up to 12 visits per year), though other chiropractic services are not covered.
Preventive Services See details
CareFree Platinum Giveback (HMO) covers preventive services, including annual physical exams, kidney disease education, glaucoma screenings, diabetes training, digital rectal exams, EKGs, and memory fitness, with no copay and no coinsurance. However, additional preventive services are only partially covered, as the plan does not cover health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, extra smoking cessation, disease management, telemonitoring, remote access, safety devices, or counseling.
Hearing Services See details
CareFree Platinum Giveback (HMO) partially covers hearing services, offering Medicare-covered exams for a $30 copay and no coinsurance, and annual routine exams and fittings with no copay and no coinsurance. Prescription hearing aids are covered up to $500 per ear annually with no copay and no coinsurance, but OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
CareFree Platinum Giveback (HMO) features partially covered vision services with no deductibles, requiring referrals and prior authorization. One routine eye exam is covered annually with no copay and no coinsurance, while other eye exams are not covered. Eyewear is covered with no copay and no coinsurance up to a $180 annual limit for contact lenses and eyeglasses, but individual eyeglass lenses, frames, and upgrades are not covered.
Dental Services See details
Dental Services are partially covered by CareFree Platinum Giveback (HMO), with Medicare-covered dental requiring a $30 copay and no coinsurance, while other covered services like exams, cleanings, x-rays, restorative care, and oral surgery have no copay and no coinsurance. Fluoride, endodontics, periodontics, prosthodontics, implants, and orthodontics are not covered under this plan.
Home Infusion bundled Services See details
CareFree Platinum Giveback (HMO) covers Home Infusion bundled Services with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other covered drugs feature a coinsurance ranging from no coinsurance up to 20%, while Part B insulin carries a $35 copay and up to 20% coinsurance.
Dialysis Services See details
CareFree Platinum Giveback (HMO) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive these covered services.
Medical Equipment See details
CareFree Platinum Giveback (HMO) covers durable medical equipment, prosthetics, and medical supplies with a 20% coinsurance and no copay, subject to prior authorization. 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 Platinum Giveback (HMO) covers diagnostic and radiological services, featuring no coinsurance and a $0 to $120 copay for diagnostic tests, alongside no copay for lab services and outpatient X-rays. Diagnostic radiological services carry no copay, while therapeutic radiological services require a minimum $30 copay and 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the CareFree Platinum Giveback (HMO) plan with no copay and no coinsurance, though prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are provided by CareFree Platinum Giveback (HMO) with no coinsurance, but only some services are covered. Standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered and require a $30 copay.
Skilled Nursing Facility (SNF) See details
CareFree Platinum Giveback (HMO) covers Skilled Nursing Facility (SNF) care with no coinsurance, requiring no copay for days 1 through 20 and a $100 daily copay for days 21 through 100. Prior authorization and referrals are required for this benefit, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
CareFree Platinum Giveback (HMO) offers partial coverage for other services, featuring acupuncture with a $30 copay and no coinsurance for up to 20 treatments per year, and a chronic illness meal benefit with no copay or coinsurance. Over-the-counter (OTC) items are not covered under this plan.
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