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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 2026, 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 4.5 out of 5 stars in 2026.
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 $126.00. 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 a $615.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
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) prescription drug plan features an annual drug deductible of $615. For Tier 1 preferred generics and Tier 2 generics, you will pay no copay for 1-month and 3-month supplies filled at standard pharmacies or through preferred mail order. If you choose standard mail order, Tier 1 drugs have a $10 copay and Tier 2 drugs have a $20 copay for a 1-month supply. Tier 3 preferred brand drugs cost a $30 copay for a 1-month supply at standard pharmacies and preferred mail order, or $47 through standard mail order. Tier 4 non-preferred drugs require a 43% coinsurance across all fulfillment methods, while Tier 5 specialty drugs require a 25% coinsurance for a 1-month supply.
Additional Benefits
The CareFree Giveback (HMO) plan offers comprehensive coverage for essential medical needs with predictable out-of-pocket costs, featuring no copay for primary care visits and routine preventive care. Specialist visits, urgent care, and physical therapy require a $15 copay, while emergency room visits carry a $150 copay. For hospital stays, members pay a $150 daily copay for the first five days of inpatient care and no copay for outpatient observation or surgical center services. This plan also includes supplemental benefits, featuring routine dental and hearing exams with no copay, alongside allowances of up to $180 for eyewear and $750 per ear for hearing aids. Members also benefit from home health services and up to 26 one-way transportation trips per year with no copay. Other medical necessities, including durable medical equipment and dialysis services, require a 20% coinsurance with no copay.
Inpatient Hospital See details
Inpatient hospital care is partially covered by CareFree Giveback (HMO) with no coinsurance, requiring a $150 daily copay for days 1 through 5 and no copay for days 6 through 90. Unlimited additional days are covered with no copay for acute stays, but additional psychiatric days, hospital upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
CareFree 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, and outpatient substance abuse sessions have a $30 copay, with prior authorization and referrals required.
Partial Hospitalization See details
CareFree Giveback (HMO) covers partial hospitalization services with a $25.00 copay and no coinsurance. Both prior authorization and a referral are required to access this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by CareFree Giveback (HMO), featuring a copay of $0 to $335 for ground ambulance services and a 20% coinsurance for air ambulance services. Transportation services are partially covered, offering up to 26 one-way trips per year to plan-approved locations with no copay or coinsurance, though transportation to any health-related location is not covered.
Emergency Services See details
CareFree Giveback (HMO) covers emergency services with a $150 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $15 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no coinsurance and copays ranging from $15 to $150.
Primary Care See details
CareFree Giveback (HMO) covers primary care physician services with no copay and no coinsurance, while specialist visits and therapy services require a $15 copay and no coinsurance. Mental health services carry a $30 copay with no coinsurance, and chiropractic services are partially covered with a $20 copay and no coinsurance for routine care, while other chiropractic services are not covered.
Preventive Services See details
CareFree Giveback (HMO) preventive services are partially covered with no copay and no coinsurance for annual physical exams, kidney disease education, memory fitness, and select screenings. However, sub-services such as health education, personal emergency response systems, nutritional benefits, and in-home safety assessments are not covered.
Hearing Services See details
CareFree Giveback (HMO) covers hearing services, featuring a $15 copay and no coinsurance for Medicare-covered exams, and no copay or coinsurance for annual routine exams and fitting evaluations. Prescription hearing aids are partially covered with no copay or coinsurance up to $750 per ear annually, though OTC hearing aids and inner ear, outer ear, or over-the-ear prescription models are not covered.
Vision Services See details
CareFree Giveback (HMO) partially covers vision services with no coinsurance and no deductibles, offering eye exams with a $0 to $15 copay and covered eyewear with no copay up to a $180 annual limit. Other eye exam services, eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
CareFree Giveback (HMO) dental services are partially covered, featuring Medicare-covered dental services for a $15 copay and no coinsurance, and other preventive and comprehensive services with no copay and no coinsurance. Fluoride treatments, maxillofacial prosthetics, implant services, fixed prosthodontics, and orthodontics are not covered.
Home Infusion bundled Services See details
CareFree Giveback (HMO) covers Home Infusion bundled Services with no copay, subject to prior authorization. Associated Medicare Part B chemotherapy, insulin, and other drugs require coinsurance ranging from no coinsurance to 20%, with insulin also carrying a $35 copay.
Dialysis Services See details
CareFree Giveback (HMO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive these covered services.
Medical Equipment See details
CareFree Giveback (HMO) covers medical equipment, including durable medical equipment (DME), prosthetics, and medical supplies with a 20% coinsurance and no copay, with prior authorization required. Covered diabetic equipment has no coinsurance, featuring no copay for diabetic supplies and a $10 copay for therapeutic shoes or inserts.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by CareFree Giveback (HMO) with prior authorization and referrals required. Diagnostic tests have no coinsurance and copays ranging from $0 to $250, while lab services and outpatient X-rays feature no copays. Diagnostic radiology has a $0 minimum copay, while therapeutic radiology requires a minimum 20% coinsurance and a minimum $15 copay.
Home Health Services See details
Home health services are covered under CareFree Giveback (HMO) with no copay and no coinsurance, though prior authorization and a referral are required for care.
Cardiac Rehabilitation Services See details
CareFree Giveback (HMO) covers Cardiac Rehabilitation Services with no coinsurance, but some services are covered as standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered and require a $15 copay. Prior authorization and referrals are required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by CareFree Giveback (HMO) with no coinsurance, though prior authorization and a referral are required. You will pay no copay for days 1 through 20 and a $203 daily copay for days 21 through 100, with no prior three-day inpatient hospital stay required.
Other Services See details
CareFree Giveback (HMO) partially covers other services, offering acupuncture with a $15 copay and no coinsurance for up to 20 treatments per year, and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for these covered benefits, while over-the-counter (OTC) items are not covered.
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