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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 Tampa Area. 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 $170.00. 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 Giveback (HMO) plan has a $0 deductible for prescription drugs. In the initial coverage phase, you will pay varying copays or coinsurance depending on the drug tier and pharmacy used. For example, you will pay no copay for preferred generic drugs at a standard pharmacy or preferred mail order, but you'll pay a $20 copay for standard mail order. After your total drug costs reach $2,000, you enter the catastrophic coverage phase, where you will pay nothing for your Part D covered drugs. This plan may also reduce your premium if you qualify for the low-income subsidy.
Additional Benefits
The CareFree Giveback (HMO) plan offers a wide array of benefits, including coverage for inpatient and outpatient hospital services, with varying copays depending on the service. It also includes coverage for primary care, specialist visits, and mental health services, all with a $20 copay, as well as preventive services with no copay for Medicare-covered services. Additional benefits of the plan include coverage for hearing and vision services, with copays for exams and allowances for hearing aids and eyewear. The plan also covers dental services, ambulance and transportation services, and offers coverage for home health services with no copay. Other notable benefits include coverage for medical equipment, diagnostic services, and certain therapies, as well as over-the-counter items, acupuncture, and meal benefits.
Inpatient Hospital See details
Inpatient Hospital services are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, both of which require prior authorization and a doctor's referral. For Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, you will pay a $100 copay for days 1-6, and no copay for days 7-90, with additional days 91-999 having no copay. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute and Additional Days for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient services include outpatient hospital services with a copay of $0-$100, observation services with no copay, ambulatory surgical center services with no copay, outpatient substance abuse services with a $20 copay for both individual and group sessions, and outpatient blood services with no copay. Outpatient services require prior authorization and a doctor referral.
Partial Hospitalization See details
Partial Hospitalization is covered by the CareFree Giveback (HMO) plan with a $20 copay, and requires prior authorization and a doctor's referral.
Ambulance and Transportation Services See details
The CareFree Giveback (HMO) plan covers ambulance and transportation services. Ground ambulance services have a copay between $0 and $200, while air ambulance services have a 20% coinsurance. Transportation services to a plan-approved health-related location are covered, with no copay for up to 26 one-way trips per year.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under the CareFree Giveback (HMO) plan. Emergency Services have a $140 copay and no coinsurance, while Urgently Needed Services have a $20 copay and no coinsurance. Worldwide Emergency Services, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have copays ranging from $20 to $140, with no coinsurance.
Primary Care See details
CareFree Giveback (HMO) covers primary care services with no copay, chiropractic services with a $20 copay, occupational therapy services with a $20 copay, and specialist services with a $20 copay. The plan also covers mental health specialty services, podiatry services, other health care professional services, psychiatric services, physical therapy, speech-language pathology services, additional telehealth benefits, and opioid treatment services, all of which have a copay of $20.
Preventive Services See details
Preventive Services include coverage for Medicare-covered preventive services with no copay, as well as an annual physical exam with no copay. Additional preventive services, kidney disease education services, and other preventive services are covered with a copay. Other services like Health Education, In-Home Safety Assessment, and others are not covered.
Hearing Services See details
Hearing services include hearing exams with a $20 copay and routine hearing exams with no copay for one visit every year, and fitting/evaluation for hearing aids with no copay for one visit every year. Prescription hearing aids are covered with a maximum benefit of $1,000 per year, and OTC hearing aids are covered with a maximum benefit of $100 every three months. Prescription hearing aids - inner ear, outer ear, and over the ear are not covered.
Vision Services See details
The CareFree Giveback (HMO) plan covers vision services, including eye exams and eyewear. Eye exams have a copay between $0 and $20, while eyewear has no copay and a combined maximum benefit of $300 every year, but eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
The CareFree Giveback (HMO) plan covers Medicare Dental Services with a $20 copay, while other services like Oral Exams, Dental X-Rays, Other Diagnostic Dental Services, Prophylaxis (Cleaning), and Other Preventive Dental Services have no copay. However, Fluoride Treatment, 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 with prior authorization and a doctor referral. You will pay 20% coinsurance.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME) with 20% coinsurance, Prosthetics/Medical Supplies with 20% coinsurance, and Diabetic Equipment with a copay for Diabetic Therapeutic Shoes/Inserts and no copay for Diabetic Supplies. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services, including all diagnostic services, diagnostic procedures/tests, and outpatient X-ray services, are covered with varying copays and coinsurance. Lab services have no copay, while diagnostic procedures/tests have a copay of up to $60.00. Diagnostic radiological services have a copay of at most $100, and therapeutic radiological services have a coinsurance of at least 20% and a copay of at least $20.
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 covered by the CareFree Giveback (HMO) plan, but the plan does not cover the sub-services, including Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services. Prior authorization and a doctor referral are required for Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the CareFree Giveback (HMO) plan. For days 1-20, there is no copay, and for days 21-100, the copay is $150 per day; however, additional days beyond Medicare-covered SNF stays and non-Medicare-covered SNF stays are not covered.
Other Services See details
The CareFree Giveback (HMO) plan covers acupuncture with a $20 copay, and up to 20 treatments per year. Over-the-counter (OTC) items are covered up to $100 every three months, and the plan offers nicotine replacement therapy and Naloxone as a Part C OTC benefit. Meal benefits are covered with no copay. Other services such as Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, and others are not covered.
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