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Freedom Savings Plan (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Freedom Savings Plan (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Freedom Savings Plan (HMO) in 2026, please refer to our full plan details page.
Freedom Savings Plan (HMO) is a HMO plan offered by Elevance Health, Inc. available for enrollment in 2025 to people living in Select Counties in Florida. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that Freedom Savings Plan (HMO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Freedom Savings Plan (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 Freedom Savings Plan (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 $75.00. 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.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $4200.00 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
Prescription drugs are not covered by Freedom Savings Plan (HMO).
Additional Benefits
The Freedom Savings Plan (HMO) offers comprehensive healthcare coverage with no copay for primary care doctor visits and covered preventive services. For inpatient hospital stays, members pay a daily copay of $225 for the first seven days and no copay for days eight through 90, with no coinsurance. Outpatient hospital services feature a $195 copay, while emergency room visits require a $150 copay that is waived upon admission. Ancillary benefits include routine dental, vision, and hearing exams with no copay or coinsurance, alongside a $500 annual hearing aid allowance per ear. Specialist visits and physical therapies are available for a $40 copay, while durable medical equipment and dialysis services require a 20% coinsurance. Members also benefit from select over-the-counter items and chronic illness meal benefits with no copay, plus up to six free one-way transportation trips per year.
Inpatient Hospital See details
Freedom Savings Plan (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $225 daily copay for days 1 through 7 and no copay for days 8 through 90. This benefit is partially covered, as additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Freedom Savings Plan (HMO) covers outpatient services with no coinsurance, featuring a $195 copay for outpatient hospital and observation services, and a $50 copay for ambulatory surgical center services. Outpatient substance abuse sessions carry a copay of $40 to $195 with no coinsurance, while outpatient blood services are covered with no copay and no coinsurance.
Partial Hospitalization See details
Freedom Savings Plan (HMO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization and a referral are required for these services.
Ambulance and Transportation Services See details
Freedom Savings Plan (HMO) covers ground ambulance services with a $200 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay. Transportation services are partially covered, offering up to 6 one-way trips per year to plan-approved health-related locations with no copay and no coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
Freedom Savings Plan (HMO) covers emergency services with a $150 copay, which is waived if you are admitted to the hospital within 72 hours, and urgently needed services with a $10 copay, both with no coinsurance. Worldwide emergency, urgent, and transportation services are also covered up to a $100,000 maximum with a $500 copay and no coinsurance per service.
Primary Care See details
Freedom Savings Plan (HMO) provides primary care doctor visits and telehealth services with no copay and no coinsurance. Specialist visits, mental health sessions, and physical, occupational, and speech therapies are covered with a $40 copay and no coinsurance, whereas podiatry and chiropractic services are not covered.
Preventive Services See details
Freedom Savings Plan (HMO) provides partially covered preventive services with no copay and no coinsurance for covered benefits, which include Medicare-covered preventive care, memory fitness, remote access technologies, kidney disease education, and select screenings. However, annual physical exams, health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, and weight management are not covered. Additional non-covered services include alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, home safety devices, and counseling.
Hearing Services See details
Freedom Savings Plan (HMO) covers hearing services with no copay and no coinsurance, which includes annual routine hearing exams and fitting evaluations. Prescription hearing aids are covered up to $500 per ear yearly with no copay or coinsurance, though the benefit is partially covered as inner ear, outer ear, over the ear, and OTC hearing aids are not covered.
Vision Services See details
Vision Services are partially covered by Freedom Savings Plan (HMO), featuring routine eye exams once per year with no copay and no coinsurance, though other eye exam services are not covered. Eyewear benefits are also partially covered with no coinsurance up to a $100 annual limit, offering contact lenses and eyeglasses (lenses and frames) for a $10 copay and upgrades for a $30 copay, while individual eyeglass lenses and eyeglass frames are not covered.
Dental Services See details
Freedom Savings Plan (HMO) partially covers dental services with no copay and no coinsurance for covered benefits, including Medicare dental, oral exams, cleanings, fluoride, x-rays, and oral surgery. Restorative, endodontics, periodontics, prosthodontics, implants, orthodontics, adjunctive general, maxillofacial prosthetics, other diagnostic, and other preventive dental services are not covered.
Home Infusion bundled Services See details
Freedom Savings Plan (HMO) covers home infusion bundled services with no copay and no coinsurance, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs require no copay and 0% to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Freedom Savings Plan (HMO) with no copay and a 20% coinsurance.
Medical Equipment See details
Freedom Savings Plan (HMO) covers medical equipment with no copays, though prior authorization is required for all categories. Members will pay a 20% coinsurance for durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes, while diabetic supplies range from no coinsurance up to a 20% coinsurance.
Diagnostic and Radiological Services See details
Freedom Savings Plan (HMO) covers diagnostic and radiological services, which require prior authorization and referrals. Diagnostic procedures and tests feature a $0 to $195 copay and 20% coinsurance, while lab services and outpatient X-rays offer no copay but require coinsurance. Diagnostic radiological services have a minimum $25 copay with no coinsurance, and therapeutic radiological services require a copay and 20% coinsurance.
Home Health Services See details
Home health services are covered under the Freedom Savings Plan (HMO) with a $10.00 copay and no coinsurance. This benefit requires both a referral and prior authorization.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the Freedom Savings Plan (HMO) with no coinsurance, though only some services are covered in practice. Specifically, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered under this plan.
Skilled Nursing Facility (SNF) See details
Skilled nursing facility (SNF) services are covered by Freedom Savings Plan (HMO) with no coinsurance, though prior authorization and a referral are required. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, but additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Freedom Savings Plan (HMO) partially covers other services, offering over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture and dual-eligible SNP services are not covered, and the meal benefit requires a referral and prior authorization.
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