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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 Miami-Dade County. 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 $155.00. 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 $3000.00 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) Medicare plan features a $0 drug deductible, meaning prescription drug coverage begins immediately. Beneficiaries enjoy no copay for Tier 1 preferred generic, Tier 2 generic, and Tier 3 preferred brand drugs when using standard pharmacies or preferred mail order services. For standard mail order, Tier 3 preferred brand drugs carry a minimal copay of $1 for a one-month supply and $3 for a three-month supply. For higher-tier medications, the plan transitions from flat copays to coinsurance percentages. Tier 4 non-preferred drugs require a 35% coinsurance across standard pharmacies, preferred mail order, and standard mail order options. Tier 5 specialty drugs are subject to a 33% coinsurance for a one-month supply through these same pharmacy channels.
Additional Benefits
The CareFree Platinum Giveback (HMO) offers robust coverage featuring no copays and no coinsurance for primary care visits, preventive screenings, routine vision exams, and most dental services. Members also benefit from no copay for home health care, over-the-counter items, and up to 26 one-way plan-approved transportation trips annually. Routine eyewear is covered up to a $300 annual limit, and prescription hearing aids are covered up to $1,000 per ear with no copay or coinsurance. For specialized care, patients pay a low $10 copay for specialist visits and urgent care, while inpatient hospital stays require a $150 daily copay for the first six days and no copay thereafter. Emergency room services carry a $150 copay, which is waived if you are admitted within 24 hours. Other major medical needs, including durable medical equipment and dialysis services, generally require a 20% coinsurance with no copay.
Inpatient Hospital See details
CareFree Platinum Giveback (HMO) partially covers inpatient hospital services with no coinsurance, requiring a $150 daily copay for days 1 through 6 and no copay for days 7 through 90 for both acute and psychiatric stays. Additional acute days are covered with no copay, but additional psychiatric days, room 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 copay for ambulatory surgical center, outpatient blood, and observation services. Outpatient hospital services have a copay ranging from $0 to $150, while individual and group outpatient substance abuse sessions require a $10 copay.
Partial Hospitalization See details
CareFree Platinum Giveback (HMO) covers partial hospitalization services with a $25.00 copay and no coinsurance, though prior authorization and a referral are required.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by CareFree Platinum Giveback (HMO), though transportation to any health-related location is not covered. Ground ambulance services require a copay of $0 to $150 and coinsurance, air ambulance services require a 20% coinsurance and a copay, and plan-approved transportation offers up to 26 one-way trips per year with no copay and no coinsurance.
Emergency Services See details
Emergency services are covered by CareFree Platinum Giveback (HMO) 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 $10 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no coinsurance and copays ranging from $10 to $150.
Primary Care See details
CareFree Platinum Giveback (HMO) offers primary care doctor visits with no copay and no coinsurance, while specialist visits require a $10 copay and no coinsurance. Other covered benefits, including physical therapy, mental health, and podiatry, range from no copay up to a $25 copay with no coinsurance, though chiropractic services are only partially covered with non-routine care excluded.
Preventive Services See details
CareFree Platinum Giveback (HMO) covers preventive services—including annual physical exams, kidney disease education, and glaucoma screenings—with no copay and no coinsurance. Additional preventive benefits are partially covered, offering a memory fitness program with no copay and no coinsurance, while other supplemental services such as health education, weight management, and in-home safety assessments are not covered.
Hearing Services See details
CareFree Platinum Giveback (HMO) hearing services feature no coinsurance, with a $10 copay for Medicare-covered exams and no copay for annual routine exams, fitting evaluations, and unlimited OTC hearing aids. Prescription hearing aids are partially covered with no copay and no coinsurance up to $1,000 per ear annually, but 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 Platinum Giveback (HMO), featuring no copays, no coinsurance, and no deductibles for a routine yearly eye exam and covered eyewear, which includes contact lenses and eyeglasses up to a $300 annual limit. Other eye exam services, individual eyeglass lenses, individual eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental Services are partially covered by CareFree Platinum Giveback (HMO), requiring a $10.00 copay and no coinsurance for Medicare-covered services, and no copay or coinsurance for most other preventive and comprehensive services. However, fluoride treatments, maxillofacial prosthetics, implants, fixed prosthodontics, and orthodontics are not covered.
Home Infusion bundled Services See details
CareFree Platinum Giveback (HMO) covers Home Infusion bundled Services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs have no coinsurance to 20% coinsurance, while Medicare Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by CareFree Platinum Giveback (HMO) with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive these services.
Medical Equipment See details
CareFree Platinum Giveback (HMO) covers durable medical equipment (DME) with no copay and 20% coinsurance, and prosthetic devices with no copay, both requiring prior authorization. Diabetic supplies are covered with no copay or coinsurance, while therapeutic shoes or inserts require a $10 copay and medical supplies carry a 20% coinsurance.
Diagnostic and Radiological Services See details
CareFree Platinum Giveback (HMO) covers diagnostic and radiological services with no copay for lab services and outpatient X-rays, while diagnostic tests require a $0 to $75 copay with no coinsurance. Diagnostic radiological services have copays starting at $0, and therapeutic radiological services carry a minimum 20% coinsurance and $10 copay. Prior authorization and referrals are required for these covered services.
Home Health Services See details
CareFree Platinum Giveback (HMO) covers home health services with no copay and no coinsurance. Prior authorization and a referral are required to receive these benefits.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by CareFree Platinum Giveback (HMO) with no coinsurance, but prior authorization and referrals are required. Some services are covered, but cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and require a $10 copay.
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 $100 copay for days 21 through 100. Prior authorization and referrals are required, though a prior three-day inpatient hospital stay is not, and additional days beyond the standard 100 days are not covered.
Other Services See details
Other Services covered by CareFree Platinum Giveback (HMO) include acupuncture, over-the-counter items, and chronic illness meal benefits, all of which feature no copay and no coinsurance. Prior authorization is required for acupuncture and meal benefits, and some other supplemental services are not covered under this plan.
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