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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 Brevard and Indian River Counties. 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 $90.00. 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 $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 has an enhanced alternative drug benefit. This plan has no deductible. During the initial coverage phase, you will pay varying copays or coinsurance depending on the drug tier and pharmacy. For example, you may pay no copay for preferred generic drugs at a standard pharmacy, or a 32% coinsurance for preferred brand drugs at a standard pharmacy. After your total drug costs reach $2000, you enter the catastrophic coverage phase, where you pay nothing for covered drugs.
Additional Benefits
The CareFree Giveback (HMO) plan offers a range of benefits with varying costs. Inpatient hospital stays have a copay, but many outpatient services, including primary care, preventive services, and home health services, come with no copay. The plan includes coverage for hearing, vision, and dental services, with some services having no copay. Additionally, this plan includes coverage for medical equipment, diagnostic services, and home infusion services with varying copays and coinsurance amounts.
Inpatient Hospital See details
Inpatient Hospital services are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. For days 1-7, the copay is $195, and days 8-90 have no copay; additional days for Inpatient Hospital-Acute have no copay for days 91-999. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute are not covered, and additional days and non-Medicare-covered stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient services include coverage for all outpatient hospital services, observation services, ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services. Outpatient hospital services have a copay between $0 and $195, while observation services and ambulatory surgical center services have no copay. Individual and group sessions for outpatient substance abuse have a copay of $20, and outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered under the CareFree Giveback (HMO) plan. This benefit requires prior authorization and a doctor referral, and has a $20 copay.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the CareFree Giveback (HMO) plan. Ground ambulance services have a copay between $0 and $90, while air ambulance services have a 20% coinsurance. Transportation Services to a plan-approved health-related location are covered with no copay, up to 26 one-way trips per year, but transportation to any health-related location is not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, Worldwide Emergency Coverage, and Worldwide Emergency Transportation have a $140 copay, while Worldwide Urgent Coverage has a copay between $20 and $140; all services have no coinsurance. The copay for emergency services is waived if admitted to the hospital within 24 hours.
Primary Care See details
CareFree Giveback (HMO) covers primary care physician services with no copay, and chiropractic services with a $20 copay. Occupational therapy services, physical therapy, and speech-language pathology services have a $20 copay, while physician specialist services have a $20 copay. Mental health specialty services, psychiatric services, and opioid treatment program services have a $20 copay for both individual and group sessions. Additionally, additional telehealth benefits range from no copay to a $20 copay.
Preventive Services See details
CareFree Giveback (HMO) covers preventive services, including an annual physical exam with no copay. The plan also covers other preventive services such as glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following a Welcome Visit, all with no copay.
Hearing Services See details
Hearing exams are covered under the CareFree Giveback (HMO) plan with a $20 copay, and also include routine hearing exams with no copay for one exam per year, and fitting/evaluation for hearing aids with no copay for one exam per year. Prescription hearing aids have a maximum benefit of $1,000 per year, and OTC hearing aids are covered up to $30 every three months. Prescription Hearing Aids - Inner Ear, Prescription Hearing Aids - Outer Ear, and Prescription Hearing Aids - Over the Ear are not covered.
Vision Services See details
The CareFree Giveback (HMO) plan covers vision services, including eye exams with a copay of $0-$20, and eyewear with no copay. Contact lenses and eyeglasses (lenses and frames) are covered with no copay, while eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental services include coverage for Medicare dental services with a $20 copay, oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), restorative services, adjunctive general services, prosthodontics, and oral and maxillofacial surgery with no copay. Fluoride treatment, endodontics, periodontics, maxillofacial prosthetics, implant services, prosthodontics, fixed, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, and require prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 20%. Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered, but require prior authorization and a doctor's referral. You will pay 20% coinsurance.
Medical Equipment See details
Medical Equipment is covered by the CareFree Giveback (HMO) plan, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance, while Prosthetic Devices have a 20% coinsurance, and Medical Supplies have a 20% coinsurance; Diabetic Supplies have no copay, and Diabetic Therapeutic Shoes/Inserts have a $10 copay.
Diagnostic and Radiological Services See details
The CareFree Giveback (HMO) plan covers diagnostic and radiological services, including diagnostic procedures/tests with a copay between $0 and $100, and lab services with no copay. Radiological services include diagnostic radiological services with a copay of up to $195, therapeutic radiological services with a coinsurance of at least 20% and a copay of at least $20, 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, but additional hours of care and personal care services are not covered. Authorization and a referral are required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the CareFree Giveback (HMO) plan. Prior authorization and a doctor referral are required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the CareFree Giveback (HMO) plan, but require prior authorization and a doctor's referral. There is no copay for days 1-20, and the copay is $150 per day for days 21-100. Additional days beyond Medicare-covered for SNF and non-Medicare-covered stays for SNF are not covered.
Other Services See details
The CareFree Giveback (HMO) plan covers acupuncture with no copay and a limit of 25 treatments per year, and over-the-counter (OTC) items with a $30 maximum benefit every three months. The plan also covers a meal benefit with no copay. However, the plan does not cover Dual Eligible SNPs with Highly Integrated Services, and several other services.
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