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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 $169.00. 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 $2800.00 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 offers a $0 prescription drug deductible, allowing your coverage to start right away. For Tier 1 preferred generic and Tier 2 generic drugs, there is no copay for one-month and three-month supplies filled at standard pharmacies or through preferred mail order. If you utilize standard mail order for these generic tiers, you will face copays ranging from $10 to $20 for a one-month supply. Tier 3 preferred brand drugs cost a $30 copay for a one-month supply at standard pharmacies and preferred mail order, or $47 through standard mail order. Higher-tier medications require coinsurance instead of flat copays, with Tier 4 non-preferred drugs carrying a 35% coinsurance and Tier 5 specialty drugs requiring 33% coinsurance across standard pharmacies and mail order services.
Additional Benefits
The CareFree Platinum Giveback (HMO) offers affordable healthcare coverage with no copays for primary care doctor visits, preventive services, and home health care. For inpatient hospital stays, members pay a $125 copay for days 1 through 5 and no copay for days 6 through 90, with no coinsurance. Specialist visits require a $20 copay, while emergency room visits carry a $150 copay that is waived if you are admitted within 24 hours. Additionally, the plan features valuable supplemental benefits, including no copays for routine dental care, annual eye exams, and routine hearing tests. You also get up to a $300 annual allowance for eyewear and up to $600 per ear for hearing aids with no copay or coinsurance. Durable medical equipment and dialysis services are covered with a 20% coinsurance and no copay.
Inpatient Hospital See details
CareFree Platinum Giveback (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $125 copay for days 1 to 5 and no copay for days 6 to 90. Unlimited additional acute days are covered with no copay, though additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
CareFree Platinum Giveback (HMO) covers outpatient services with no coinsurance, offering no copays for ambulatory surgical center, observation, and blood services. Outpatient hospital services carry a copay of $0 to $150, while outpatient substance abuse sessions require a $20 copay, with prior authorizations and referrals required for care.
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 ground ambulance services with a copay of $0 to $250 and coinsurance, and air ambulance services with a 20% coinsurance and a copay. Transportation services are partially covered with no copay or coinsurance for up to 26 one-way trips per year to plan-approved locations, 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 are covered with a $25 copay and no coinsurance, while worldwide emergency, urgent, and transportation services feature no coinsurance and copays ranging from $25 to $150.
Primary Care See details
CareFree Platinum Giveback (HMO) features primary care physician visits with no copay and no coinsurance, while telehealth and other healthcare professionals range from a $0 to $25 copay with no coinsurance. Specialist visits, therapy, mental health, and podiatry require a $20 copay and no coinsurance, while chiropractic benefits are only partially covered because other chiropractic services are not covered.
Preventive Services See details
CareFree Platinum Giveback (HMO) covers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, glaucoma screenings, diabetes self-management, digital rectal exams, EKGs, and a memory fitness benefit. However, these services are only partially covered, as the plan does not cover health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access technologies, home safety devices, and counseling.
Hearing Services See details
CareFree Platinum Giveback (HMO) covers hearing services with a $20 copay and no coinsurance for Medicare-covered exams, and no copay or coinsurance for annual routine exams and fitting evaluations. Prescription hearing aids are partially covered with no copay or coinsurance up to $600 per ear annually, though inner ear, outer ear, and over-the-ear types are not covered, while OTC hearing aids are covered with no copay or coinsurance.
Vision Services See details
Vision services are partially covered by CareFree Platinum Giveback (HMO) with no coinsurance, featuring no copay for one annual routine eye exam and a $300 yearly maximum for contact lenses and eyeglasses. Other eye exams, individual eyeglass lenses, individual eyeglass frames, and upgrades are not covered.
Dental Services See details
CareFree Platinum Giveback (HMO) offers partially covered dental services, featuring a $20 copay and no coinsurance for Medicare-covered dental, and no copay and no coinsurance for other covered preventive and comprehensive services. However, fluoride treatment, endodontics, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under CareFree Platinum Giveback (HMO) with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs require 0% to 20% coinsurance, while Part B insulin has a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by CareFree Platinum Giveback (HMO) with no copay and a 20% coinsurance. Both prior authorization and a referral are required to receive this benefit.
Medical Equipment See details
CareFree Platinum Giveback (HMO) covers durable medical equipment, prosthetics, and medical supplies with a 20% coinsurance and no copay, though prior authorization is required. Diabetic supplies are available 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, with both requiring referrals and prior authorization. Diagnostic services feature no coinsurance, offering no copay for lab services and a $0 to $120 copay for procedures, while radiological services require a minimum 20% coinsurance and $20 copay for therapeutic services, a $0 minimum copay for diagnostic radiology, and no copay for outpatient X-rays.
Home Health Services See details
CareFree Platinum Giveback (HMO) covers home health services with no copay and no coinsurance, though prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
CareFree Platinum Giveback (HMO) provides cardiac rehabilitation services with no coinsurance, though only some services are covered; standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered and require a $20 copay. Prior authorization and a referral 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 Medicare-covered limit are not covered.
Other Services See details
Other Services covered under the CareFree Platinum Giveback (HMO) include acupuncture for a $20 copay and no coinsurance, as well as over-the-counter items and meal benefits for chronic illnesses with no copay and no coinsurance. Prior authorization is required for acupuncture and meal benefits, and acupuncture is limited to 20 treatments per year.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
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