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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 2025, 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 out of 5 stars in 2025.
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 $150.00. 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 $3900.00 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) plan has an enhanced alternative drug benefit. This plan has a $0 deductible for prescription drugs. In the initial coverage phase, you will pay no copay for preferred generic drugs and standard generic drugs. For preferred brand drugs, you will pay 10% coinsurance at preferred pharmacies and 12% coinsurance at standard mail pharmacies.
Additional Benefits
The CareFree Platinum Giveback (HMO) plan offers a wide range of benefits with varying cost-sharing. Inpatient hospital stays have a copay for the first few days, but no copay for most of the stay. Many outpatient services, including primary care, preventive services, and home health services, are available with no copay. The plan includes coverage for ambulance and transportation, emergency services, and a variety of other services like hearing, vision, and dental. There are copays for some services, such as specialist visits and hearing exams, while others have coinsurance. The plan also offers additional benefits like over-the-counter items and a meal benefit.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered. For days 1-6 of Inpatient Hospital-Acute and Inpatient Hospital Psychiatric stays, there is a $150 copay, and for days 7-90, there is 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 and Additional Days for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services are covered, including outpatient hospital services with a copay of $0-$150, observation services with no copay, ambulatory surgical center services with no copay, outpatient substance abuse services with a copay of $10 for both individual and group sessions, and outpatient blood services with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the CareFree Platinum Giveback (HMO) plan with a $10 copay, and requires prior authorization and a doctor referral.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the CareFree Platinum Giveback (HMO) plan. Ground ambulance services have a copay between $0 and $120, while air ambulance services have a 20% coinsurance. Transportation Services to a plan-approved health-related location are covered for up to 26 one-way trips per year with no copay.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under the CareFree Platinum Giveback (HMO) plan. Emergency Services has a $140 copay, and Urgently Needed Services has a $10 copay. Worldwide Emergency Coverage and Worldwide Emergency Transportation each have a $140 copay, while Worldwide Urgent Coverage has a copay between $10 and $140.
Primary Care See details
The CareFree Platinum Giveback (HMO) plan covers primary care physician services with no copay, and covers chiropractic services with a $10 copay. Occupational therapy services, physician specialist services, mental health specialty services, podiatry services, other health care professional services, psychiatric services, physical therapy, speech-language pathology services, additional telehealth benefits, and opioid treatment program services are also covered with varying copays.
Preventive Services See details
The CareFree Platinum Giveback (HMO) plan covers preventive services, including an annual physical exam with no copay. The plan also covers Additional Preventive Services, Kidney Disease Education Services, and Other Preventive Services, though some services such as health education and in-home safety assessments are not covered.
Hearing Services See details
Hearing services are covered, including hearing exams with a $10 copay, routine hearing exams with no copay, fitting/evaluation for hearing aids with no copay, and OTC hearing aids with a maximum amount of $15 per month. Prescription hearing aids are covered up to a maximum of $600 per year. Prescription hearing aids for the inner, outer, and over the ear are not covered.
Vision Services See details
Vision services include eye exams with a copay between $0 and $10, and eyewear with no copay; however, eyeglass lenses, eyeglass frames, and upgrades are not covered. Routine eye exams, contact lenses, and eyeglasses (lenses and frames) are covered with no copay.
Dental Services See details
The CareFree Platinum Giveback (HMO) plan covers Medicare Dental Services with a $10 copay and other dental services with no copay. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable), and oral and maxillofacial surgery are covered with no copay. However, 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) plan. The plan covers Medicare Part B Insulin Drugs with a $35 copay and a coinsurance between 0% and 20%, and also covers Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the CareFree Platinum Giveback (HMO) plan, but require prior authorization and a doctor's referral. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment benefits are covered under the CareFree Platinum Giveback (HMO) plan. Durable Medical Equipment (DME) has a 20% coinsurance with no copay, while Durable Medical Equipment for use outside the home is not covered. Prosthetic Devices have no copay, while Medical Supplies have a 20% coinsurance and Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts have no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services, including diagnostic procedures and tests, are covered with a copay of up to $75.00, while lab services have no copay. Outpatient X-ray services have no copay, and diagnostic radiological services have a copay of up to $150.00. Therapeutic radiological services have a coinsurance of at least 20% and a copay of at least $10.00 up to $60.00.
Home Health Services See details
Home Health Services are covered by the CareFree Platinum Giveback (HMO) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover any of the sub-services, including Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services. Prior authorization and a doctor referral are required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the CareFree Platinum Giveback (HMO) plan. For days 1-20, there is no copay, and for days 21-100, the copay is $150 per day; however, additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
The CareFree Platinum Giveback (HMO) plan covers acupuncture with no copay, and it is limited to 25 treatments per year. Over-the-counter items are covered up to $15 per month, and the plan also covers a meal benefit with no copay. Other services such as Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, and others are not covered.
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