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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 $165.00. 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 will pay varying copays or coinsurance depending on the drug tier and pharmacy used. For example, preferred generic drugs have no copay at a standard pharmacy or a preferred mail pharmacy, while standard mail pharmacy has a $20 copay. Once your total drug costs reach $2,000, you enter the catastrophic coverage phase where you pay nothing for covered Part D drugs. However, you may still pay a share of the costs for excluded drugs covered under any enhanced benefit.
Additional Benefits
The CareFree Giveback (HMO) plan provides coverage for a wide range of services with varying costs. Many services, such as primary care, preventive services, and home health services, have no copay. The plan also offers coverage for outpatient services, hearing, vision, and dental services with copays that range from $0 to $20. This plan also covers inpatient hospital stays, with a $150 copay for days 1-5, and no copay for days 6-90. Emergency services have a $140 copay, while other services like ambulance, partial hospitalization, and skilled nursing facilities have copays and/or coinsurance. Additionally, the plan offers other benefits, including over-the-counter items and a meal benefit.
Inpatient Hospital See details
Inpatient Hospital benefits, including acute and psychiatric care, are covered, but require prior authorization and a doctor's referral. For inpatient hospital-acute and inpatient hospital psychiatric, you will pay a $150 copay for days 1-5, and no copay for days 6-90.
Outpatient Services See details
The CareFree Giveback (HMO) plan covers outpatient services, including outpatient hospital services with a copay between $0 and $150, observation services with no copay, and ambulatory surgical center services with no copay. The plan also covers outpatient substance abuse services, including individual and group sessions, each with a copay of $20, and outpatient blood services with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered under the CareFree Giveback (HMO) plan, with a $20 copay. Prior authorization and a doctor referral are required for coverage.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required. Ground ambulance services have a copay between $0 and $250, while air ambulance services have a 20% coinsurance; transportation services to plan-approved health-related locations are covered with no copay and up to 26 one-way trips per year, and transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, including Worldwide Emergency Services and Urgently Needed Services, are covered. Emergency Services has a $140 copay, Urgently Needed Services has a $20 copay, and Worldwide Emergency Services has a copay of $140 for Worldwide Emergency Coverage and Worldwide Emergency Transportation, and a copay between $20 and $140 for Worldwide Urgent Coverage; there is no coinsurance for any of these services.
Primary Care See details
The CareFree Giveback (HMO) plan covers primary care physician services with no copay. Chiropractic services have a $20 copay, and routine chiropractic care has a $20 copay for up to 12 visits per year. Occupational therapy services, physician specialist services, physical therapy, speech-language pathology services, individual and group mental health specialty sessions, individual and group psychiatric sessions, and podiatry services all have a $20 copay. Additional telehealth benefits have a copay between $0 and $20, and Opioid Treatment Program Services have a $20 copay.
Preventive Services See details
The CareFree Giveback (HMO) plan covers preventive services, including Medicare-covered services with no copay. Annual physical exams have no copay, and additional preventive services have a copay, including Fitness Benefit. Kidney Disease Education Services, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit all have no copay. Health Education, In-Home Safety Assessment, Personal Emergency Response System (PERS), Medical Nutrition Therapy (MNT), Post discharge In-Home Medication Reconciliation, Re-admission Prevention, Wigs for Hair Loss Related to Chemotherapy, Weight Management Programs, Alternative Therapies, Therapeutic Massage, Adult Day Health Services, Nutritional/Dietary Benefit, Home-Based Palliative Care, In-Home Support Services, Support for Caregivers of Enrollees, Additional Sessions of Smoking and Tobacco Cessation Counseling, Enhanced Disease Management, Telemonitoring Services, Remote Access Technologies, Home and Bathroom Safety Devices and Modifications, and Counseling Services are not covered.
Hearing Services See details
CareFree Giveback (HMO) covers hearing exams with a $20 copay and routine hearing exams and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered, with a maximum benefit of $600 per year, and OTC hearing aids are covered up to $30 every three months.
Vision Services See details
Vision Services includes coverage for routine eye exams with a copay between $0 and $20, and eyewear with no copay, including contact lenses and eyeglasses (lenses and frames). Eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
The CareFree Giveback (HMO) plan offers dental services with a $20 copay for Medicare Dental Services. Other covered dental services include oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), other preventive dental services, restorative services, adjunctive general services, periodontics, prosthodontics, removable, and oral and maxillofacial surgery, all with no copay. Fluoride treatment, endodontics, maxillofacial prosthetics, implant services, prosthodontics, fixed, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under the CareFree Giveback (HMO) plan. For Medicare Part B Insulin Drugs, there is a $35 copay and the coinsurance ranges from 0% to 20%.
Dialysis Services See details
Dialysis Services are covered, but require prior authorization and a doctor referral. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance, but Durable Medical Equipment for use outside the home is not covered. Prosthetics/Medical Supplies and Medical Supplies have a 20% coinsurance, and Diabetic Supplies have no copay, while Diabetic Therapeutic Shoes/Inserts have a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including diagnostic procedures and tests with a copay between $0 and $110, and lab services with no copay. Radiological services are covered, including diagnostic radiological services with a copay up to $150, therapeutic radiological services with a copay up to $25 and 20% coinsurance, and outpatient X-ray services with 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) benefits are covered by the CareFree Giveback (HMO) plan, but require prior authorization and a doctor's referral. For days 1-20, there is no copay, and for days 21-100, the copay is $150. Additional days beyond Medicare-covered for SNF and Non-Medicare-covered stays for SNF are not covered.
Other Services See details
Other Services includes acupuncture with a $20 copay, Over-the-Counter (OTC) Items with a $30 maximum benefit every three months, and a meal benefit with no copay. The plan does not cover Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services.
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