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CareFree Giveback (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for CareFree Giveback (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on CareFree Giveback (HMO) in 2025, please refer to our full plan details page.
CareFree 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 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 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 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 $110.00. 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 $3850.00 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 Giveback (HMO) plan has a $0 deductible for prescription drugs. In the initial coverage phase, you'll pay different copays depending on the drug tier and pharmacy you use. For example, you'll pay no copay for preferred generic drugs at a standard pharmacy, but you'll pay a $20 copay if you use standard mail order. Once your total drug costs reach $2,000, you enter the catastrophic coverage phase, where you will pay nothing for your Part D covered drugs. This plan also offers a premium reduction if you qualify for the low-income subsidy.
Additional Benefits
The CareFree Giveback (HMO) plan offers comprehensive coverage with a focus on outpatient and preventive services. Many services, including primary care visits, outpatient blood services, and annual physical exams, have no copay. The plan also includes coverage for hearing and vision services, with a yearly allowance for prescription hearing aids and eyewear. This plan provides coverage for inpatient and outpatient services, including mental health, with varying copays. Emergency services have a $140 copay, while ambulance services have a copay between $0 and $300. This plan also has specific copays for services such as chiropractic care, specialist visits, and dental services.
Inpatient Hospital See details
Inpatient Hospital coverage includes both acute and psychiatric care, with a $150 copay for days 1-5 and no copay for days 6-90; additional days for acute inpatient hospital care have no copay, while non-Medicare covered stays and upgrades are not covered. Inpatient Hospital Psychiatric care has a $150 copay for days 1-5 and no copay for days 6-90, but additional days and non-Medicare covered stays are not covered.
Outpatient Services See details
Outpatient Services, including Outpatient Hospital Services, Observation Services, Ambulatory Surgical Center (ASC) Services, Outpatient Substance Abuse Services, and Outpatient Blood Services, are covered. Outpatient Hospital Services have a copay between $0 and $150, while Observation Services, Ambulatory Surgical Center (ASC) Services, and Outpatient Blood Services have no copay. Individual and Group Sessions for Outpatient Substance Abuse have a copay of $15.
Partial Hospitalization See details
Partial Hospitalization is covered under the CareFree Giveback (HMO) plan, requiring prior authorization and a doctor referral. You will have a $15 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services includes coverage for ground ambulance services with a copay between $0 and $300, and air ambulance services with 20% coinsurance. Transportation Services to plan-approved health-related locations are covered, with 26 one-way trips per year and no copay, while transportation to any health-related location is not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under the CareFree Giveback (HMO) plan. Emergency Services and Worldwide Emergency Coverage have a $140 copay, Urgently Needed Services have a $15 copay, and Worldwide Urgent Coverage has a copay between $15 and $140, and Worldwide Emergency Transportation has a $140 copay. There is no coinsurance for any of these services.
Primary Care See details
The CareFree Giveback (HMO) plan covers primary care physician services with no copay, chiropractic services with a $15 copay, occupational therapy with a $15 copay, physician specialist services with a $15 copay, and mental health specialty services with a $15 copay. The plan also covers podiatry services with a $15 copay, other health care professional services with a copay between $0 and $15, psychiatric services with a $15 copay, physical therapy and speech-language pathology services with a $15 copay, additional telehealth benefits with a copay between $0 and $15, and opioid treatment program services with a $15 copay.
Preventive Services See details
The CareFree Giveback (HMO) plan covers preventive services, including an annual physical exam with no copay. Additional preventive services, including Fitness Benefit, Kidney Disease Education Services, and Other Preventive Services, are covered. Other preventive services, including Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit, also have no copay.
Hearing Services See details
The CareFree Giveback (HMO) plan covers hearing exams with a $15 copay, and routine hearing exams and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered up to $750 per year, and OTC hearing aids are covered up to $50 every three months. Prescription hearing aids for the inner ear, outer ear, and over the ear are not covered.
Vision Services See details
Vision services include coverage for eye exams with a copay of $0-$15, and eyewear with no copay and a combined maximum plan benefit coverage of $180. Routine eye exams, contact lenses, and eyeglasses (lenses and frames) are covered, but eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
The CareFree Giveback (HMO) plan covers dental services including oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), and other preventive dental services with no copay; Medicare dental services require a $15 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, but require prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the CareFree Giveback (HMO) plan, but require prior authorization and a doctor's referral. You will pay 20% coinsurance for these services.
Medical Equipment See details
The CareFree Giveback (HMO) plan covers Durable Medical Equipment (DME) with a 20% coinsurance and no copay, while Prosthetics/Medical Supplies have a coinsurance for Medicare-covered medical supplies and a copay for Medicare-covered prosthetic devices. Diabetic Equipment is covered with a copay for Medicare-covered Diabetes Supplies and Diabetic Therapeutic Shoes or Inserts, and 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 Giveback (HMO) plan. Diagnostic Procedures/Tests have a minimum copay of $0 and a maximum copay of $225, while Lab Services have no copay. Diagnostic Radiological Services have a maximum copay of $150. Therapeutic Radiological Services have a maximum copay of $15 and a minimum coinsurance of 20%, and Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered under the CareFree Giveback (HMO) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered. Authorization and a referral are required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover any of the sub-services, including Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services. Prior authorization and a doctor referral are required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the CareFree Giveback (HMO) plan, with prior authorization and a doctor's referral required. For days 1-20, the copay is $20, and for days 21-100, the copay is $203. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
Under "Other Services", CareFree Giveback (HMO) covers acupuncture with a $15 copay, up to 20 treatments per year, and also covers over-the-counter (OTC) items with a $50 maximum benefit every three months. This plan provides a meal benefit with no copay for a chronic illness, and does not cover the following: 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.
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