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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 2026, 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 Brevard and Indian River Counties. This plan received an overall rating of 4.5 out of 5 stars in 2026.
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 $95.00. 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 a $615.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $3850.00 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 features an annual drug deductible of $615. 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 use standard mail order, Tier 1 and Tier 2 drugs carry a one-month copay of $10 and $20, respectively. For Tier 3 preferred brand drugs, a one-month supply costs a $30 copay at standard pharmacies and preferred mail order, or $47 through standard mail order. Tier 4 non-preferred drugs require a 49% coinsurance, while Tier 5 specialty drugs require a 25% coinsurance for a one-month supply across all pharmacy and mail order options.
Additional Benefits
The CareFree Giveback (HMO) plan features robust coverage for routine medical needs, offering no copays and no coinsurance for primary care visits, annual physicals, and covered preventive screenings. Specialist visits, physical therapy, and Medicare-covered dental services require a low $20 copay with no coinsurance. Additionally, members can take advantage of routine vision, hearing, and preventive dental exams with no copay, alongside allowances for prescription hearing aids and eyewear. For major medical care, inpatient hospital stays require a $195 daily copay for the first seven days and no copay for days eight through 90. Emergency room visits carry a $150 copay that is waived if you are admitted within 24 hours, while outpatient hospital services feature copays ranging from no copay up to $225. Essential support services like home health care, acupuncture, and up to 26 one-way transportation trips to approved locations are also covered with no copay.
Inpatient Hospital See details
CareFree Giveback (HMO) inpatient hospital benefits are partially covered with no coinsurance, requiring a $195 daily copay for days 1 through 7 and no copay for days 8 through 90. Non-Medicare-covered stays, hospital upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
CareFree Giveback (HMO) covers outpatient services with no coinsurance across all covered categories, though prior authorization and referrals are required. Patients will pay a $0 to $225 copay for outpatient hospital services and a $20 copay for outpatient substance abuse sessions, while ambulatory surgical center, observation, and blood services have no copay.
Partial Hospitalization See details
CareFree Giveback (HMO) covers partial hospitalization services with a $35.00 copay and no coinsurance. Prior authorization and a referral are required to access this benefit.
Ambulance and Transportation Services See details
CareFree Giveback (HMO) covers ground ambulance services with a copay ranging from no copay to $150 plus coinsurance, and air ambulance services with a 20% coinsurance and a copay. Transportation services are partially covered with no copay and no coinsurance, offering 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 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 $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 Giveback (HMO) offers primary care physician services with no copay and no coinsurance, while specialist visits, mental health sessions, and physical therapy require a $20 copay and no coinsurance. Chiropractic care is partially covered, providing up to 12 routine visits per year for a $20 copay while excluding other chiropractic services.
Preventive Services See details
CareFree Giveback (HMO) provides partially covered preventive services with no copay and no coinsurance for covered options like annual physical exams, kidney disease education, select screenings, and memory fitness. However, several additional preventive benefits are not covered, including health education, weight management programs, personal emergency response systems (PERS), and in-home safety assessments.
Hearing Services See details
CareFree Giveback (HMO) covers hearing services with a $20 copay and no coinsurance for Medicare-covered exams, while routine exams, fittings, and OTC hearing aids have no copay and no coinsurance. Prescription hearing aids are partially covered up to $1,000 per ear yearly with no copay or coinsurance, though inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by CareFree Giveback (HMO) with no coinsurance, no deductibles, no copay for routine annual eye exams, and no copay for contact lenses and eyeglasses up to a $200 yearly limit. Other eye exams, individual eyeglass lenses, individual eyeglass frames, and upgrades are not covered, and prior authorization and referrals are required.
Dental Services See details
Dental services are partially covered by CareFree Giveback (HMO), featuring a $20 copay and no coinsurance for Medicare-covered dental, and no copay and no coinsurance for other covered preventive and comprehensive services. Fluoride, other preventive dental, endodontics, periodontics, maxillofacial prosthetics, implants, fixed prosthodontics, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by CareFree Giveback (HMO) with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy and other drugs require 0% to 20% coinsurance with no copay, while Part B insulin drugs have a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the CareFree Giveback (HMO) plan with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive these services.
Medical Equipment See details
CareFree 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
Diagnostic and radiological services are covered by CareFree Giveback (HMO) with no coinsurance for diagnostic services, which feature no copay for lab services and a $0 to $100 copay for diagnostic tests. Outpatient X-rays and diagnostic radiological services have no copay, while therapeutic radiological services require a minimum 20% coinsurance and a $20 copay, with referrals and prior authorizations required.
Home Health Services See details
Home Health Services are covered by CareFree Giveback (HMO) with no copay and no coinsurance, though prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by CareFree Giveback (HMO) with no coinsurance, but only some services are covered. Standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and require a $20 copay, with prior authorization and referrals required.
Skilled Nursing Facility (SNF) See details
CareFree Giveback (HMO) partially covers Skilled Nursing Facility (SNF) services with no coinsurance, though additional days beyond the standard 100 days are not covered. There is no copay for days 1 through 20 and a $160 daily copay for days 21 through 100, with prior authorization and referrals required.
Other Services See details
CareFree Giveback (HMO) covers select other services, including acupuncture, over-the-counter (OTC) items, and chronic illness meal benefits, all with no copay and no coinsurance. Prior authorization is required for acupuncture, which is limited to 25 treatments annually, and meal benefits, while some other supplemental services are not covered.
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