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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 Orlando Area. 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 $166.00. 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 $3300.00 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) features a $0 prescription drug deductible, meaning your coverage begins immediately. Under this plan, you will pay no copay for Tier 1 preferred generic and Tier 2 generic medications at standard pharmacies as well as through preferred and standard mail order services. This makes managing everyday generic prescriptions highly affordable with zero out-of-pocket drug costs. For Tier 3 preferred brand drugs, copays start at $15 for a one-month supply at standard pharmacies and preferred mail order, while standard mail order costs $30. Higher-tier medications require coinsurance, with Tier 4 non-preferred drugs carrying a 35% coinsurance and Tier 5 specialty drugs requiring 33% coinsurance across standard pharmacies and mail order options.
Additional Benefits
The CareFree Platinum Giveback (HMO) plan offers comprehensive coverage for essential medical services with predictable out-of-pocket costs, featuring no coinsurance for many primary benefits. Under this plan, routine preventive care and doctor visits with your primary care physician require no copay, while specialist visits carry a $20 copay. For hospital stays, inpatient care requires a $200 copay for the first five days and no copay for days six through 90, while outpatient services range from no copay to a $200 copay. This plan also includes valuable supplemental benefits such as partially covered routine vision, dental, and hearing services, most of which feature no copays or coinsurance. Members can take advantage of up to 26 one-way transportation trips per year to approved locations with no copay, as well as durable medical equipment covered with a 20% coinsurance and no copay. Emergency room visits are covered with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours.
Inpatient Hospital See details
CareFree Platinum Giveback (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $200 copay for days 1 to 5 and no copay for days 6 to 90. Unlimited additional acute hospital days are covered with no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
CareFree Platinum Giveback (HMO) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center, observation, and blood services. Outpatient hospital services require a copay of $0 to $200 with no coinsurance, while outpatient substance abuse sessions have a $25 copay with no coinsurance.
Partial Hospitalization See details
CareFree Platinum Giveback (HMO) covers partial hospitalization services with a $25.00 copay and no coinsurance. Prior authorization and a referral are required to access this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the CareFree Platinum Giveback (HMO) plan, with ground ambulance services requiring a copay of $0 to $150 plus coinsurance, and air ambulance services requiring a 20% coinsurance plus a copay. Transportation is partially covered with no copay or coinsurance for up to 26 one-way trips per year to plan-approved locations, but transportation to any health-related location is not covered.
Emergency Services See details
CareFree Platinum Giveback (HMO) covers emergency room visits with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. 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) covers primary care physician services with no copay and no coinsurance, and specialist visits with a $20 copay and no coinsurance. Therapy, mental health, and podiatry services require a $20 to $25 copay and no coinsurance, while chiropractic services are partially covered with a $20 copay and no coinsurance, excluding other chiropractic services.
Preventive Services See details
CareFree Platinum Giveback (HMO) covers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, glaucoma screenings, diabetes self-management, digital rectal exams, EKGs, and a memory fitness benefit. Additional preventive services are only partially covered, with no coverage for health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, bathroom safety, and counseling.
Hearing Services See details
Hearing services are partially covered by CareFree Platinum Giveback (HMO), featuring a $20 copay and no coinsurance for Medicare-covered exams, and no copay or coinsurance for routine exams and OTC hearing aids. Prescription hearing aids are covered with no copay and no coinsurance up to $600 per ear yearly, but inner ear, outer ear, and over-the-ear hearing aids are not covered.
Vision Services See details
CareFree Platinum Giveback (HMO) provides partially covered vision services with no copays, no coinsurance, and no deductibles, although prior authorizations and referrals are required. Covered benefits include one routine eye exam per year and a $200 annual allowance for contact lenses and eyeglasses (lenses and frames), while other eye exams, individual eyeglass lenses, individual eyeglass frames, and upgrades are not covered.
Dental Services See details
CareFree Platinum Giveback (HMO) provides partially covered dental services, featuring a $20 copay and no coinsurance for Medicare-covered dental, and no copay and no coinsurance for other covered preventive and comprehensive dental services. Fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by CareFree Platinum Giveback (HMO) with no copay and no coinsurance, subject to prior authorization. Associated Medicare Part B drugs, including chemotherapy and insulin, are covered with coinsurance ranging from no coinsurance to 20%, with insulin having a $35 copay.
Dialysis Services See details
Dialysis Services are covered under the CareFree Platinum Giveback (HMO) with no copay and a 20% coinsurance. Prior authorization and a referral are required to access this benefit.
Medical Equipment See details
CareFree Platinum Giveback (HMO) covers durable medical equipment, prosthetics, and medical supplies with a 20% coinsurance and no copay, with prior authorization required. Diabetic supplies are covered with no copay and no coinsurance, while diabetic therapeutic shoes or inserts have a $10 copay and no coinsurance.
Diagnostic and Radiological Services See details
CareFree Platinum Giveback (HMO) covers diagnostic and radiological services, requiring prior authorizations and referrals for all care. Diagnostic tests range from a $0 to $250 copay with no coinsurance, lab services and outpatient X-rays have no copay, and therapeutic radiological services require a minimum 20% coinsurance and $20 copay.
Home Health Services See details
Home Health Services are covered by CareFree Platinum Giveback (HMO) with no copay and no coinsurance, although prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
CareFree Platinum Giveback (HMO) covers Cardiac Rehabilitation Services with no coinsurance, though only some services are covered in practice. Specifically, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) services are not covered and require a $10 copay, with prior authorization and referrals required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by CareFree Platinum Giveback (HMO) with no coinsurance, featuring no copay for days 1 through 20 and a $100 daily copay for days 21 through 100. Prior authorization and referrals are required, a prior three-day inpatient hospital stay is not required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
CareFree Platinum Giveback (HMO) provides partial coverage for other services, offering acupuncture, over-the-counter items, and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for acupuncture and meals, while Other 1, Other 2, and Other 3 services are not covered under this plan.
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