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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 Brevard and Indian River Counties. 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 $140.00. 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 $4000.00 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. During the initial coverage phase, you will pay either a copay or coinsurance depending on the drug tier and pharmacy used. For example, you will pay no copay for preferred generic drugs at a standard pharmacy, but a $20 copay if you use standard mail. Once your total drug costs reach $2,000, you enter the catastrophic coverage phase. In this phase, you pay nothing for covered Part D drugs.
Additional Benefits
The CareFree Platinum Giveback (HMO) plan offers a wide range of benefits, including inpatient and outpatient hospital services, with varying copays depending on the service. You'll find no copays for primary care, preventive services, routine eye exams, and many dental services. This plan also provides coverage for hearing aids, vision services, and dental services. Additional benefits include ambulance and transportation services, emergency services, and home health services with no copay. You can also expect coverage for medical equipment, diagnostic and radiological services, and skilled nursing facility stays. The plan also covers acupuncture and offers a meal benefit, as well as over-the-counter items.
Inpatient Hospital See details
Inpatient Hospital services, including acute and psychiatric care, are covered. For acute care, you will pay a $225 copay for days 1-7, and no copay for days 8-90, and for psychiatric care, you will pay a $225 copay for days 1-7, and no copay for days 8-90.
Outpatient Services See details
Outpatient Services, including outpatient hospital services, observation services, and ambulatory surgical center services, are covered. Outpatient hospital services have a copay between $0 and $225, while observation services and ambulatory surgical center services have no copay. Outpatient substance abuse services are covered with a copay of $35 for both individual and group sessions. Outpatient blood services are covered with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the CareFree Platinum Giveback (HMO) plan, with a $35 copay. Prior authorization and a doctor referral are required.
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 $225, while air ambulance services have a 20% coinsurance. Transportation Services to plan-approved health-related locations are covered with no copay for up to 26 one-way trips per year, 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 under the CareFree Platinum Giveback (HMO) plan. Emergency Services and Worldwide Emergency Coverage have a $140 copay, while Urgently Needed Services and Worldwide Urgent Coverage have a copay of $35, and Worldwide Urgent Coverage has a copay of $35-$140, and Worldwide Emergency Transportation has a $140 copay.
Primary Care See details
The CareFree Platinum Giveback (HMO) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, occupational therapy services with a $35 copay, and specialist services with a $35 copay. Mental health specialty services, podiatry services, other healthcare professional services, psychiatric services, physical therapy and speech-language pathology services, additional telehealth benefits, and opioid treatment program services are also covered, but may have varying copays depending on the specific service.
Preventive Services See details
The CareFree Platinum Giveback (HMO) plan covers preventive services, including an annual physical exam with no copay. Additional preventive services, kidney disease education services, and other preventive services are covered with no copay. Some services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and more.
Hearing Services See details
The CareFree Platinum Giveback (HMO) plan covers hearing exams with a $35 copay, routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered up to a maximum of $250 per year, with no copay for prescription hearing aids (all types). OTC hearing aids are also covered, up to $50 every three months. Prescription Hearing Aids - Inner Ear, Outer Ear, and Over the Ear are not covered.
Vision Services See details
Vision services are covered, including eye exams and eyewear. Routine eye exams have no copay, and eyewear has a combined maximum benefit of $150 per year, with no copay for contact lenses and eyeglasses (lenses and frames). Eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
The CareFree Platinum Giveback (HMO) plan covers Medicare Dental Services with a $35 copay, Oral Exams, Dental X-Rays, Other Diagnostic Dental Services, Prophylaxis (Cleaning), Other Preventive Dental Services, Restorative Services, Adjunctive General Services, Prosthodontics, removable, and Oral and Maxillofacial Surgery with no copay. Fluoride Treatment, Endodontics, Periodontics, 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 with a $35 copay and 0-20% coinsurance, and Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with 0-20% coinsurance. Prior authorization is required for these services.
Dialysis Services See details
Dialysis Services are covered with prior authorization and a doctor referral, and the coinsurance is 20%.
Medical Equipment See details
The CareFree Platinum Giveback (HMO) plan covers medical equipment, including Durable Medical Equipment (DME) with 20% coinsurance and Prosthetic Devices and Medical Supplies with 20% coinsurance. 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 by the CareFree Platinum Giveback (HMO) plan. Diagnostic Procedures/Tests have a copay between $0 and $200, while Lab Services have no copay. Diagnostic Radiological Services have a maximum copay of $225, and Therapeutic Radiological Services have a copay between $35 and $65, and a coinsurance of at least 20%. Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered 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 none of the sub-services are covered. Prior authorization and a doctor's referral are required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are covered by the CareFree Platinum Giveback (HMO) plan. You will have no copay for days 1-20, and a $172 copay for days 21-100. 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 25 treatments per year, and a meal benefit with no copay. Over-the-counter items are also covered, with a maximum benefit of $50 every three months. However, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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