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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 2026, 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 4.5 out of 5 stars in 2026.
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 $153.00. 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 features a $0 drug deductible, meaning your prescription drug coverage begins immediately with no upfront costs. Under this plan, you will pay no copay for Tier 1 preferred generic and Tier 2 generic medications for both 1-month and 3-month supplies at standard pharmacies and mail-order services. This makes managing common generic prescriptions highly affordable and convenient. For Tier 3 preferred brand drugs, you will pay a $30 copay for a 1-month supply, while a 3-month supply costs $90 at standard pharmacies or a discounted $60 copay through preferred mail order. Higher-tier prescriptions require coinsurance, with Tier 4 non-preferred drugs carrying a 35% coinsurance and Tier 5 specialty drugs requiring a 33% coinsurance for a 1-month supply.
Additional Benefits
The CareFree Platinum Giveback (HMO-POS) plan offers robust coverage with many services featuring no copay and no coinsurance, including primary care visits, home health services, and annual preventive physicals. For other essential medical needs, members pay predictable copays, such as $25 for specialist visits, $150 for emergency room care, and a $225 daily copay for the first seven days of an inpatient hospital stay. Outpatient hospital services range from no copay to a $250 copay, while diagnostic lab work and X-rays are available with no copay. This plan also includes valuable supplemental benefits, featuring no copay and no coinsurance for routine vision exams, dental care, and over-the-counter items. Vision benefits include a $200 annual allowance for eyewear, and hearing coverage provides up to $600 per ear annually for prescription hearing aids with no copay. Skilled nursing facility stays feature no copay for the first 20 days, while durable medical equipment and dialysis services require a 20% coinsurance with no copay.
Inpatient Hospital See details
CareFree Platinum Giveback (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring a $225 copay for days 1 through 7 and no copay for days 8 through 90 per stay. Upgrades, non-Medicare-covered stays, and additional days for psychiatric stays are not covered.
Outpatient Services See details
Outpatient services are covered by CareFree Platinum Giveback (HMO-POS) with no coinsurance, featuring a copay ranging from no copay to $250 for outpatient hospital services and no copay for observation, ambulatory surgical center, and blood services. Outpatient substance abuse individual and group sessions require a $25 copay and no coinsurance, with prior authorization and referrals required for most services.
Partial Hospitalization See details
CareFree Platinum Giveback (HMO-POS) 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-POS) covers ground ambulance services with a copay of up 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-POS) covers emergency services with a $150 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services require a $25 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no coinsurance and copays ranging from $25 to $150.
Primary Care See details
CareFree Platinum Giveback (HMO-POS) provides primary care physician services with no copay and no coinsurance, while specialist visits, mental health, and physical therapies require a $25 copay and no coinsurance. Chiropractic care is partially covered, offering up to 12 routine visits per year for a $20 copay and no coinsurance, though other chiropractic services are not covered. Telehealth and other health professional services feature copays ranging from $0 to $25 with no coinsurance.
Preventive Services See details
Preventive services are partially covered under the CareFree Platinum Giveback (HMO-POS) plan with no copay and no coinsurance for annual physicals, kidney disease education, and screenings. While a memory fitness benefit is covered with no copay and no coinsurance, other additional services like health education, weight management, alternative therapies, and in-home safety assessments are not covered.
Hearing Services See details
Hearing services are covered by CareFree Platinum Giveback (HMO-POS), featuring a $25 copay and no coinsurance for Medicare-covered exams, and no copay or coinsurance for annual routine exams, fitting evaluations, and OTC hearing aids. 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 hearing aids are not covered.
Vision Services See details
CareFree Platinum Giveback (HMO-POS) covers vision services with no copay, no coinsurance, and no deductible, offering one routine eye exam per year and a $200 annual maximum for contact lenses and eyeglasses. This benefit is partially covered, as other eye exams, separate eyeglass lenses, separate frames, and upgrades are not covered.
Dental Services See details
CareFree Platinum Giveback (HMO-POS) partially covers dental services, offering Medicare-covered dental care with a $25 copay and no coinsurance, and other covered preventive and comprehensive services with no copay and no coinsurance. Fluoride treatment, maxillofacial prosthetics, implant services, fixed prosthodontics, and orthodontics are not covered.
Home Infusion bundled Services See details
CareFree Platinum Giveback (HMO-POS) covers home infusion bundled services with no copay, although prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs under this benefit have no copay and require no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the CareFree Platinum Giveback (HMO-POS) with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive these services.
Medical Equipment See details
Medical Equipment covered by CareFree Platinum Giveback (HMO-POS) includes durable medical equipment and prosthetics at a 20% coinsurance with no copay, subject to prior authorization. Diabetic supplies feature no copay and no coinsurance, while diabetic therapeutic shoes or inserts are covered with a $10 copay and no coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by CareFree Platinum Giveback (HMO-POS), requiring referrals and prior authorization. Diagnostic procedures and tests have no coinsurance and a copay between $0 and $25, lab services and X-rays have no copay, and therapeutic radiological services require a minimum 20% coinsurance.
Home Health Services See details
CareFree Platinum Giveback (HMO-POS) covers home health services with no copay and no coinsurance, although prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by CareFree Platinum Giveback (HMO-POS) with no coinsurance, but require prior authorization and a referral. Some services are covered, but cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered and require a $25 copay.
Skilled Nursing Facility (SNF) See details
CareFree Platinum Giveback (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, though prior authorization and referrals are required. There is no copay for days 1 through 20 and a $100 daily copay for days 21 through 100, but additional days beyond the Medicare-covered limit are not covered.
Other Services See details
CareFree Platinum Giveback (HMO-POS) features additional benefits with no copay and no coinsurance, including acupuncture up to 25 treatments per year and chronic illness meal benefits, both of which require prior authorization. Over-the-counter (OTC) items are also covered with no copay or coinsurance, though some CMS OTC list drugs and other unspecified services are not covered.
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