A non-government entity
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 Brevard and Indian River Counties. 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 $137.00. 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:
Sign up for CareFree Platinum Giveback (HMO)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The CareFree Platinum Giveback (HMO) plan offers prescription drug coverage with a $0 drug deductible, allowing your benefits to begin immediately. For Tier 1 preferred generic and Tier 2 generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies and through preferred mail order. If you use standard mail order, Tier 1 drugs require a $10 copay for one month ($30 for three months) and Tier 2 drugs require a $20 copay ($60 for three months). For Tier 3 preferred brand drugs, you will pay a $30 copay for a 1-month supply at standard pharmacies or via preferred mail order, and a $47 copay through standard mail order. Tier 4 non-preferred drugs carry a 35% coinsurance, which applies to both 1-month and 3-month supplies across all pharmacy and mail order options. Tier 5 specialty drugs require a 33% coinsurance for a 1-month supply at standard pharmacies, preferred mail order, and standard mail order.
Additional Benefits
The CareFree Platinum Giveback (HMO) plan offers robust medical coverage with no copays for primary care visits, annual physicals, and home health services. For specialized care, members pay a $35 copay for specialist visits, while inpatient hospital stays require a $225 daily copay for the first seven days and no copay for days eight through 90. Emergency room visits carry a $150 copay, which is waived if you are admitted, and urgent care is available for a $40 copay. This plan also features strong supplemental benefits, including no copays or coinsurance for routine dental, vision, and hearing exams. Members receive a $150 annual allowance for contact lenses or eyeglasses and up to $250 per ear for prescription hearing aids. Additionally, the plan covers acupuncture, select over-the-counter items, and home-delivered meals for chronic illnesses with no copay.
Inpatient Hospital See details
CareFree Platinum Giveback (HMO) partially covers inpatient hospital services with no coinsurance, requiring a $225 daily copay for days 1 through 7 and no copay for days 8 through 90 for both acute and psychiatric stays. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by CareFree Platinum Giveback (HMO) with no coinsurance, featuring no copay for ambulatory surgical center, observation, and blood services. Outpatient hospital services have a copay ranging from $0 to $250, while outpatient substance abuse individual and group sessions require a $35 copay.
Partial Hospitalization See details
Partial hospitalization is covered under the CareFree Platinum Giveback (HMO) with a $35.00 copay and no coinsurance. Prior authorization and a referral are required to receive these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by CareFree Platinum Giveback (HMO), featuring a copay of $0 to $250 for ground ambulance services and a 20% coinsurance for air ambulance services. Transportation benefits are partially covered with no copay or coinsurance for up to 26 one-way trips per year to plan-approved locations, though transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by the CareFree Platinum Giveback (HMO) 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 $40 copay with no coinsurance, and worldwide emergency, urgent, and transportation services are covered with no coinsurance and copays ranging from $40 to $150.
Primary Care See details
Primary care benefits under CareFree Platinum Giveback (HMO) include primary care physician visits with no copay and no coinsurance, and specialist, therapy, and mental health services for a $35 copay and no coinsurance. Chiropractic care is partially covered, offering up to 12 routine visits per year for a $20 copay and no coinsurance, while other chiropractic services are not covered.
Preventive Services See details
CareFree Platinum Giveback (HMO) covers preventive services, such as annual physical exams, kidney disease education, and glaucoma screenings, with no copay and no coinsurance. Additional preventive services are partially covered, offering a memory fitness benefit with no copay and no coinsurance, while excluding 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 services, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home modifications, and counseling.
Hearing Services See details
CareFree Platinum Giveback (HMO) provides hearing services featuring a $35 copay and no coinsurance for Medicare-covered exams, while routine exams, fitting evaluations, and OTC hearing aids have no copay and no coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance up to $250 per ear annually, though inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
CareFree Platinum Giveback (HMO) vision services are partially covered with no deductibles, no copays, and no coinsurance for covered care. This plan includes one routine eye exam per year and a $150 annual maximum for contact lenses and eyeglasses (lenses and frames), but does not cover other eye exams, separate eyeglass lenses, separate eyeglass frames, or upgrades.
Dental Services See details
Dental services are partially covered by CareFree Platinum Giveback (HMO), featuring a $35 copay and no coinsurance for Medicare-covered dental, and no copay and no coinsurance for covered preventive and comprehensive services. Non-covered sub-services include fluoride treatment, endodontics, periodontics, maxillofacial prosthetics, implant services, fixed prosthodontics, and orthodontics.
Home Infusion bundled Services See details
CareFree Platinum Giveback (HMO) covers home infusion bundled services with no copay and no coinsurance, subject to prior authorization. Medicare Part B drugs, including chemotherapy and insulin, are covered with a coinsurance ranging from no coinsurance to 20%, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered by CareFree Platinum Giveback (HMO) with no copay and a 20% coinsurance, though prior authorization and a referral are required.
Medical Equipment See details
CareFree Platinum Giveback (HMO) covers durable medical equipment, prosthetics, and medical supplies with a 20% coinsurance and no copay. Diabetic equipment is covered with no coinsurance, offering diabetic supplies with no copay and therapeutic shoes or inserts for a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the CareFree Platinum Giveback (HMO) plan, requiring referrals and prior authorization. Lab services feature no copay and no coinsurance, diagnostic tests range from a $0 to $200 copay with no coinsurance, outpatient X-rays have no copay but require coinsurance, and therapeutic radiological services require a minimum $35 copay and a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the CareFree Platinum Giveback (HMO) with no copay and no coinsurance, though prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under CareFree Platinum Giveback (HMO) with no coinsurance, though in practice only some services are covered as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered. Covered services require prior authorization and a referral, with copays ranging from $30 to $35.
Skilled Nursing Facility (SNF) See details
CareFree Platinum Giveback (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, though prior authorization and a referral are required. There is no copay for days 1 through 20, followed by a $160 daily copay for days 21 through 100, with no coverage provided for additional days beyond the Medicare-covered limit.
Other Services See details
CareFree Platinum Giveback (HMO) covers acupuncture, over-the-counter (OTC) items, and meal benefits with no copay and no coinsurance. Acupuncture is limited to 25 treatments per year, meal benefits are restricted to chronic illnesses, and both require prior authorization, while OTC items are partially covered as not all CMS list drugs are included.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved