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CareFree Platinum Giveback (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for CareFree Platinum Giveback (HMO-POS). 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-POS) in 2025, please refer to our full plan details page.
CareFree Platinum Giveback (HMO-POS) is a HMO-POS plan offered by Humana Inc. available for enrollment in 2025 to people living in Broward and Palm Beach Counties. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that CareFree Platinum Giveback (HMO-POS) 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-POS).
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-POS), 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 $145.00. 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 combined Maximum Out-Of-Pocket cost of $3400.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $3400.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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-POS) plan has an enhanced alternative drug benefit with no deductible. During the initial coverage phase, you will pay the following for your prescriptions. For preferred generic drugs, there is no copay. For standard generic drugs, the copay is $30. For preferred brand drugs, the copay is $85, and for non-preferred drugs, you pay 33% coinsurance. Once your total drug costs reach $2000, you enter the catastrophic coverage phase. During this phase, you pay nothing for Medicare Part D covered drugs. If you qualify for the low-income subsidy, you will pay $0.00.
Additional Benefits
The CareFree Platinum Giveback (HMO-POS) plan offers a range of benefits with varying cost-sharing. Inpatient hospital stays have a copay for the first week, while many outpatient services, including primary care, have low copays. The plan also includes coverage for ambulance services, preventive care with no copays, hearing and vision services, and dental services with copays. Additional benefits include coverage for home health services, medical equipment, and dialysis services, all with varying cost-sharing structures. The plan also covers other services like acupuncture, over-the-counter items, and a meal benefit. However, some services like cardiac rehabilitation and additional hours of care are not covered.
Inpatient Hospital See details
Inpatient hospital services are covered, with a $225 copay for days 1-7 and no copay for days 8-90. Additional days for Inpatient Hospital-Acute are covered with no copay, while Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute are not covered. Inpatient Hospital Psychiatric services are covered with a $225 copay for days 1-7 and no copay for days 8-90, while additional days and Non-Medicare-covered stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services are covered by the CareFree Platinum Giveback (HMO-POS) plan. Outpatient Hospital Services have a copay between $0 and $225, Observation Services and Ambulatory Surgical Center (ASC) Services have no copay, and Outpatient Blood Services have no copay. Individual and Group Sessions for Outpatient Substance Abuse have a copay between $25 and $25.
Partial Hospitalization See details
Partial Hospitalization is covered with a $25 copay, and requires prior authorization and a doctor referral.
Ambulance and Transportation Services See details
The CareFree Platinum Giveback (HMO-POS) plan covers ambulance and transportation services, including ground ambulance services with a copay of $0-$250, and air ambulance services with 20% coinsurance. Transportation services to plan-approved health-related locations are covered, with no copay, and up to 26 one-way trips per year.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered. Emergency Services has a $140 copay, Urgently Needed Services has a $25 copay, and Worldwide Emergency Services has a copay of $25 to $140 depending on the service.
Primary Care See details
The CareFree Platinum Giveback (HMO-POS) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, occupational therapy services with a $25 copay, and physician specialist services with a $25 copay. Mental health specialty services, podiatry services, other health care professional services, psychiatric services, opioid treatment program services have a copay of $25. Physical therapy and speech-language pathology services have a $25 copay, and additional telehealth benefits have a copay between $0 and $25.
Preventive Services See details
The CareFree Platinum Giveback (HMO-POS) plan covers preventive services, including an annual physical exam with no copay. Additional preventive services, including Fitness Benefit, Kidney Disease Education Services, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit, are covered with no copay. However, health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and other services are not covered.
Hearing Services See details
Hearing services include coverage for hearing exams with a $25 copay, routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered with a maximum plan benefit of $600 per year, and OTC hearing aids are covered with a maximum amount of $15 per month. Prescription hearing aids for the inner, outer, and over the ear are not covered.
Vision Services See details
The CareFree Platinum Giveback (HMO-POS) plan covers vision services, including eye exams with a copay between $0 and $25, and eyewear with no copay. Eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
CareFree Platinum Giveback (HMO-POS) covers Medicare Dental Services with a $25 copay, and other dental services including oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), and oral and maxillofacial surgery with no copay. 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 Platinum Giveback (HMO-POS) plan, with prior authorization required. Medicare Part B Insulin Drugs have a $35 copay and 0-20% coinsurance, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have 0-20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the CareFree Platinum Giveback (HMO-POS) plan. This benefit requires prior authorization and a doctor referral, and has a coinsurance of 20%.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance, and Prosthetic Devices and Medical Supplies also have a 20% coinsurance; however, Durable Medical Equipment for use outside the home is not covered. Diabetic Supplies have no copay, and 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 $25, and lab services with no copay. Radiological services are covered, with a maximum copay of $225 for diagnostic services and a maximum 20% coinsurance for therapeutic services, and no copay for outpatient X-rays.
Home Health Services See details
Home Health Services are covered by the CareFree Platinum Giveback (HMO-POS) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
CareFree Platinum Giveback (HMO-POS) does not cover Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services. Prior authorization and a doctor's referral are required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered with prior authorization and a doctor referral. You will have no copay for days 1-20, and a $75 copay for days 21-100.
Other Services See details
Other Services includes acupuncture with no copay, and up to 25 treatments per year, over-the-counter items with a monthly allowance of $15, and a meal benefit with no copay. However, Dual Eligible SNPs, Early and Periodic Screening, Diagnostic, and Treatment services, Private Duty Nursing Services, Case Management (Long Term Care), and other services are not covered.
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