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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 Orlando Area. 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 $160.00. 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) plan has a $0 deductible for prescription drugs. In the initial coverage phase, you'll pay varying copays or coinsurance depending on the drug tier and pharmacy. For example, standard generic drugs have a $15 copay, while preferred brand drugs have 25% coinsurance. Once your total drug costs reach $2000, you enter the catastrophic coverage phase where you pay nothing for Part D covered drugs. This plan may reduce your premium if you qualify for the low-income subsidy.
Additional Benefits
The CareFree Platinum Giveback (HMO) plan offers comprehensive coverage with a variety of benefits. This plan includes coverage for inpatient hospital stays, outpatient services, and emergency services, with varying copays depending on the specific service. The plan also provides coverage for primary care, preventive services, and specialized services like hearing, vision, and dental, with copays ranging from $0 to $20 for many services. Additionally, it offers benefits such as ambulance and transportation services, home health services, and coverage for medical equipment, with specific cost-sharing arrangements like coinsurance.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered with a $225 copay for days 1-5 and no copay for days 6-90. Additional days for Inpatient Hospital-Acute are covered with no copay, but Non-Medicare-covered Stays and Upgrades for Inpatient Hospital-Acute, and Additional Days and Non-Medicare-covered Stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for Outpatient Hospital Services with a copay between $0 and $225, Observation Services with no copay, Ambulatory Surgical Center (ASC) Services with no copay, Individual and Group Sessions for Outpatient Substance Abuse with a $20 copay, and Outpatient Blood Services with no copay. Prior authorization and a doctor's referral are required for all of these services.
Partial Hospitalization See details
Partial Hospitalization is covered with a $20 copay, and requires prior authorization and a doctor referral.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered under the CareFree Platinum Giveback (HMO) plan. Ground ambulance services have a copay between $0 and $150, 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, but transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the CareFree Platinum Giveback (HMO) plan. Emergency Services have a $140 copay, while Urgently Needed Services have a $20 copay; both have no coinsurance. Worldwide Emergency Services have a copay of $140 for Worldwide Emergency Coverage and Worldwide Emergency Transportation, and a copay between $20 and $140 for Worldwide Urgent Coverage; all have no coinsurance.
Primary Care See details
The CareFree Platinum Giveback (HMO) plan covers primary care physician services with no copay. Chiropractic services have a $20 copay, while occupational therapy services have a $20 copay. Physician specialist services, mental health specialty services, and podiatry services have a $20 copay, and physical therapy and speech-language pathology services have a $20 copay. Additional telehealth benefits have a copay between $0 and $20, and opioid treatment program services have a $20 copay.
Preventive Services See details
The CareFree Platinum Giveback (HMO) plan covers preventive services, including an annual physical exam with no copay. Additional preventive services, including Fitness Benefit (Memory Fitness), Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit, are also covered with no copay.
Hearing Services See details
Hearing Services include hearing exams with a $20 copay, routine hearing exams with no copay, fitting/evaluation for hearing aids with no copay, and prescription hearing aids with a plan-specified amount of $600 per year. OTC hearing aids are covered with a maximum benefit of $15 per month.
Vision Services See details
Vision Services include eye exams, with a copay of $0-$20, and eyewear, with no copay and a combined maximum benefit of $200 per year. Eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
The CareFree Platinum Giveback (HMO) plan covers dental services, including 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, all 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, including Medicare Part B Insulin Drugs. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered with prior authorization and a doctor's referral, with a coinsurance of 20%.
Medical Equipment See details
Medical Equipment is covered by the CareFree Platinum Giveback (HMO) plan, with 20% coinsurance for Durable Medical Equipment, Prosthetic Devices, and Medical Supplies. Diabetic Supplies have no copay, while Diabetic Therapeutic Shoes/Inserts have a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including Diagnostic Procedures/Tests with a copay between $0 and $225, and Lab Services with no copay. Radiological Services are also covered, with a copay of up to $225 for Diagnostic Radiological Services, a coinsurance of up to 20% and a copay of up to $65 for Therapeutic Radiological Services, and no copay for Outpatient X-Ray Services.
Home Health Services See details
Home Health Services are covered by the CareFree Platinum Giveback (HMO) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered. Authorization and referral are required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered with prior authorization and a doctor referral, but specific services like Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are not covered. There is a copay for some services, but the exact amount is not specified.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, but require prior authorization and a doctor's referral. There is no copay for days 1-20, and a $150 copay for days 21-100. Additional days beyond Medicare-covered for SNF and Non-Medicare-covered stays for SNF are not covered.
Other Services See details
The CareFree Platinum Giveback (HMO) plan covers acupuncture with no copay, and a limit of 25 treatments per year, but requires prior authorization. The plan also covers over-the-counter items with a monthly limit of $15, including nicotine replacement therapy and naloxone, and also covers meal benefits with no copay and prior authorization. Additionally, the plan does not cover Dual Eligible SNPs with Highly Integrated Services, and many other services are also not covered.
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