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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 2025, 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 out of 5 stars in 2025.
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 $3400.00 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 a range of benefits with varying costs. Inpatient hospital stays have a copay, while outpatient services have copays that vary depending on the service. The plan also covers ambulance and transportation services, with copays and coinsurance depending on the type of transport. This plan offers no copay for primary care physician services, preventive services, hearing exams, vision exams, dental services, and OTC items. Copays apply to specialist visits, therapy, and other services. Additional benefits include coverage for home health services, home infusion services, and diagnostic services.
Inpatient Hospital See details
Inpatient Hospital services, including acute and psychiatric care, are covered with a $225 copay for days 1-7, and no copay for days 8-90. Additional days and non-Medicare-covered stays for both acute and psychiatric care, as well as upgrades for acute care, are not covered.
Outpatient Services See details
Outpatient services include outpatient hospital services with a $195 copay, observation services with a $195 copay, ambulatory surgical center services with a $50 copay, outpatient substance abuse services with a copay between $40 and $195 depending on the service, and outpatient blood services with no copay. Prior authorization and a doctor referral are required for some services.
Partial Hospitalization See details
Partial Hospitalization is covered with a $55 copay, and requires prior authorization and a doctor referral.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, including ground and air ambulance, and transportation services to plan-approved health-related locations. Ground ambulance services have a $200 copay, and air ambulance services have a 20% coinsurance. Transportation services to plan-approved health-related locations have no copay for up to 6 one-way trips per year. 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 Freedom Savings Plan (HMO). Emergency Services have a $120 copay, and Urgently Needed Services have a $10 copay, while Worldwide Emergency Services have a $500 copay for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation. There is no coinsurance for any of these services.
Primary Care See details
Primary Care Physician Services has no copay. Chiropractic Services are covered with a $20 copay. Occupational Therapy Services are covered with a $40 copay. Physician Specialist Services are covered with a $40 copay. Mental Health Specialty Services are covered with a $40 copay for individual and group sessions. Physical Therapy and Speech-Language Pathology Services are covered with a $40 copay. Other Health Care Professional services have a copay between $0 and $40. Psychiatric Services are covered with a $40 copay for individual and group sessions. Additional Telehealth Benefits and Opioid Treatment Program Services are covered, with the latter having a copay between $0 and $195. Podiatry Services are not covered.
Preventive Services See details
Preventive services are covered by the Freedom Savings Plan (HMO), including Medicare-covered preventive services with no copay, though prior authorization and a doctor referral are required. Additional preventive services, including Fitness Benefit and Remote Access Technologies, are covered with no copay, while services such as annual physical exams, health education, and others are not covered.
Hearing Services See details
The Freedom Savings Plan (HMO) covers hearing exams, routine hearing exams, and fitting/evaluation for hearing aids with no copay. The plan also covers prescription hearing aids, with a maximum benefit of $500 per year, but prescription hearing aids for the inner ear, outer ear, and over the ear are not covered. OTC hearing aids are not covered.
Vision Services See details
Vision Services include coverage for eye exams with no copay, and for eyewear with a maximum plan benefit coverage of $100 every year. Contact lenses and eyeglasses (lenses and frames) have a $10 copay, and eyeglass lenses and frames are not covered.
Dental Services See details
Dental Services include oral exams, dental x-rays, cleaning, fluoride treatment, and oral and maxillofacial surgery with no copay. Restorative Services, Adjunctive General Services, Endodontics, Periodontics, Prosthodontics (removable and fixed), Maxillofacial Prosthetics, Implant Services, and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs, are covered under the Freedom Savings Plan (HMO). Medicare Part B Insulin Drugs have a $35 copay, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the Freedom Savings Plan (HMO) with a coinsurance between 20% and 20%.
Medical Equipment See details
Medical Equipment benefits are covered, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance, while Prosthetic Devices and Medical Supplies have a 20% coinsurance, and Diabetic Supplies have between 0% and 20% coinsurance; Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered under the Freedom Savings Plan (HMO). Diagnostic Procedures/Tests have a coinsurance of at most 20% and a copay of up to $195, while Lab Services have no copay. Diagnostic Radiological Services have a copay of up to $195.00, Therapeutic Radiological Services have a coinsurance of at most 20%, and Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered under the Freedom Savings Plan (HMO) with a $10 copay and no coinsurance, but additional hours of care and personal care services are not covered. This benefit requires authorization and a referral.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Freedom Savings Plan (HMO). Prior authorization and a doctor's referral are required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Freedom Savings Plan (HMO), but require prior authorization and a doctor's referral. You will have no copay for days 1-5, a $20 copay for days 6-20, and a $125 copay for days 21-100; there is no coinsurance. Additional days beyond Medicare-covered SNF and non-Medicare-covered stays for SNF are not covered.
Other Services See details
The Freedom Savings Plan (HMO) covers Over-the-Counter (OTC) Items with no copay, and a maximum benefit coverage amount of $35.00 per month. This plan does not cover acupuncture, 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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