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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 Tampa Area. 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 $174.00. 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 $3000.00 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 a $0 drug deductible, meaning your prescription drug coverage begins immediately. You will pay no copay for Tier 1 (Preferred Generic) and Tier 2 (Generic) medications when filling a 1-month or 3-month supply at standard pharmacies or through preferred mail order. If you use standard mail order for these tiers, a 1-month supply carries a $10 copay for Tier 1 and a $20 copay for Tier 2. For Tier 3 (Preferred Brand) drugs, the 1-month copay is $30 at standard pharmacies and preferred mail order, or $47 through standard mail order. Tier 4 (Non-Preferred) drugs require a 35% coinsurance for all pharmacy and mail order fulfillment options. Tier 5 (Specialty) medications require a 33% coinsurance for a 1-month supply through standard pharmacies, preferred mail order, and standard mail order.
Additional Benefits
The CareFree Platinum Giveback (HMO) Medicare plan offers affordable healthcare coverage with no copay for primary care visits, annual physicals, and routine preventive screenings. Specialist visits, urgent care, and many outpatient therapies require a low $20 copay, while inpatient hospital stays have a $100 daily copay for the first six days and no copay thereafter. Emergency room visits carry a $150 copay, which is waived if you are admitted, and ground ambulance services range from no copay to a $250 copay. This plan also features robust supplemental benefits, including no copay for routine dental, vision, and hearing exams, along with a $300 annual allowance for eyewear and up to $1,000 per ear for prescription hearing aids. Additionally, members can access up to 26 free one-way transportation trips to plan-approved locations and receive over-the-counter items with no copay. Most durable medical equipment and dialysis services require a 20% coinsurance, while home health services are available with no copay.
Inpatient Hospital See details
Inpatient hospital services are covered by CareFree Platinum Giveback (HMO) with no coinsurance, requiring a $100 daily copay for days 1 through 6 and no copay for days 7 through 90. Acute care includes unlimited additional days with no copay, though psychiatric additional days, room upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
CareFree Platinum Giveback (HMO) covers outpatient services with no coinsurance, including outpatient hospital services with a $0 to $150 copay and ambulatory surgical center, observation, and blood services with no copay. Outpatient substance abuse individual and group sessions require a $20 copay, and prior authorization or referrals are required for most of these services.
Partial Hospitalization See details
CareFree Platinum Giveback (HMO) covers partial hospitalization services with a $25.00 copay and no coinsurance. Prior authorization and a referral are required to access this benefit.
Ambulance and Transportation Services See details
CareFree Platinum Giveback (HMO) covers ambulance and transportation services, offering ground ambulance services with a $0 to $250 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay. Transportation is partially covered, providing up to 26 one-way trips per year to plan-approved health-related locations with no copay or coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
CareFree Platinum Giveback (HMO) covers emergency services 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 $25 copay with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no coinsurance and copays ranging from $25 to $150.
Primary Care See details
CareFree Platinum Giveback (HMO) offers primary care physician services with no copay and no coinsurance, while most specialist, therapy, and psychiatric services have a $20 copay and no coinsurance. Chiropractic services are partially covered, with routine care costing a $20 copay and no coinsurance for up to 12 visits per year, but other chiropractic services are not covered.
Preventive Services See details
CareFree Platinum Giveback (HMO) covers preventive services, including annual physicals, kidney disease education, glaucoma screenings, diabetes training, rectal exams, EKGs, and memory fitness with no copay and no coinsurance. However, preventive benefits are only partially covered, excluding 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, tobacco cessation, disease management, telemonitoring, remote technologies, home safety modifications, and counseling.
Hearing Services See details
CareFree Platinum Giveback (HMO) provides hearing services including routine exams, fitting evaluations, and unlimited OTC hearing aids with no copay and no coinsurance, while Medicare-covered exams require a $20 copay and no coinsurance. Prescription hearing aids are partially covered up to $1,000 per ear annually with no copay and no coinsurance, though inner ear, outer ear, and over the ear models are not covered.
Vision Services See details
CareFree Platinum Giveback (HMO) partially covers vision services, featuring one routine eye exam per year and eyewear like contact lenses and eyeglasses with no copay, no coinsurance, and a $300 annual maximum. Other eye exam services, individual eyeglass lenses, individual eyeglass frames, and upgrades are not covered.
Dental Services See details
CareFree Platinum Giveback (HMO) partially covers dental services, with Medicare-covered dental services requiring a $20 copay and no coinsurance, and other covered preventive and comprehensive services requiring no copay and no coinsurance. Fluoride treatments, maxillofacial prosthetics, implants, fixed prosthodontics, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by CareFree Platinum Giveback (HMO) with no copay, though prior authorization is required. Medicare Part B chemotherapy and other drugs carry a coinsurance ranging from no coinsurance to 20%, while Part B insulin requires a $35 copay and up to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by CareFree Platinum Giveback (HMO) 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 and preferred vendor limitations. 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
Diagnostic and radiological services are covered by CareFree Platinum Giveback (HMO), featuring no coinsurance for diagnostic services, no copay for lab work, and copays up to $60 for diagnostic tests. Outpatient X-rays require no copay, while therapeutic radiological services incur a $20 copay and 20% coinsurance.
Home Health Services See details
CareFree Platinum Giveback (HMO) covers home health services with no copay and no coinsurance. Prior authorization and a referral are required to receive these covered services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the CareFree Platinum Giveback (HMO) plan with no coinsurance, although some services are covered while Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD services are not covered and carry a $20 copay. Prior authorization and referrals are also required for these services.
Skilled Nursing Facility (SNF) See details
CareFree Platinum Giveback (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $160 daily copay for days 21 through 100. Prior authorization and referrals are required, and additional days beyond the standard 100-day Medicare limit are not covered.
Other Services See details
Other services under CareFree Platinum Giveback (HMO) are partially covered, featuring acupuncture for a $20 copay and no coinsurance, as well as over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for acupuncture and meals, while Dual Eligible SNPs with Highly Integrated Services are not covered.
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