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Freedom Medicare Plan Rx (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Freedom Medicare Plan Rx (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Freedom Medicare Plan Rx (HMO) in 2026, please refer to our full plan details page.
Freedom Medicare Plan Rx (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 Medicare Plan Rx (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 Freedom Medicare Plan Rx (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 Medicare Plan Rx (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.
This plan does not come with a Part B Premium reduction. You must continue to pay your 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 $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
The Freedom Medicare Plan Rx (HMO) features a $0 drug deductible, meaning your prescription drug coverage begins immediately. For Tier 1 preferred generic drugs, members pay no copay for one-month, two-month, or three-month supplies at both preferred and standard pharmacies. Tier 2 preferred brand drugs require a $47 copay for a one-month supply at preferred and standard pharmacies, or a $94 copay for a three-month supply via standard mail order. For Tier 3 non-preferred drugs, the plan copay is $95 for a one-month supply at preferred pharmacies and standard mail order, or $100 at standard pharmacies. Tier 4 specialty medications require a 33% coinsurance for a one-month supply across all available pharmacy and standard mail order options.
Additional Benefits
The Freedom Medicare Plan Rx (HMO) features robust coverage for essential medical needs, highlighting no copay and no coinsurance for primary care visits and preventive services. For hospital stays, members pay a $225 daily copay for the first seven days of inpatient care and no copay for days 8 through 90, alongside a $200 copay for outpatient hospital services. Emergency care is accessible with a $150 copay, while urgent care visits require a low $10 copay, both with no coinsurance. This plan also includes valuable supplemental health benefits, offering routine dental, vision, and hearing exams with no copay and no coinsurance. Members receive allowances for hearing aids up to $500 per ear annually, a $100 annual limit for eyewear, and a monthly $47 allowance for over-the-counter items. Additionally, the plan covers up to six one-way transportation trips per year to approved locations and essential home health services with no coinsurance.
Inpatient Hospital See details
Freedom Medicare Plan Rx (HMO) partially 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. Prior authorization and referrals are required, while additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Freedom Medicare Plan Rx (HMO) covers outpatient services with no coinsurance, featuring a $200 copay for outpatient hospital and observation services, and a $75 copay for ambulatory surgical center services. Outpatient substance abuse sessions have copays ranging from $30 to $200 with no coinsurance, while outpatient blood services are provided with no copay, no deductible, and no coinsurance.
Partial Hospitalization See details
Freedom Medicare Plan Rx (HMO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization and a referral are required to access this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the Freedom Medicare Plan Rx (HMO), with ground ambulance requiring a $200 copay and coinsurance, and air ambulance requiring a 20% coinsurance and a copay. Transportation services are partially covered, offering up to 6 one-way trips per year to plan-approved locations with no copay and no coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
Freedom Medicare Plan Rx (HMO) covers emergency services with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 72 hours, and urgently needed services with a $10 copay and no coinsurance. Worldwide emergency, urgent, and transportation services are also covered with a $500 copay and no coinsurance, up to a maximum plan benefit of $100,000.
Primary Care See details
Freedom Medicare Plan Rx (HMO) offers primary care physician services with no copay and no coinsurance, while specialist visits, physical therapy, occupational therapy, and mental health services require a $30 copay and no coinsurance. Other healthcare professional services range from a $0 to $30 copay, opioid treatment ranges from a $0 to $200 copay, and chiropractic and podiatry services are not covered.
Preventive Services See details
Freedom Medicare Plan Rx (HMO) partially covers preventive services, providing Medicare-covered preventive care, kidney disease education, memory fitness, and remote access technologies with no copay and no coinsurance. However, several services are not covered under this plan, including annual physical exams, health education, in-home safety assessments, and personal emergency response systems.
Hearing Services See details
Freedom Medicare Plan Rx (HMO) covers hearing services with no copay, no coinsurance, and no deductible for annual routine exams and fitting evaluations. Prescription hearing aids are partially covered with no copay or coinsurance up to $500 per ear yearly, but inner ear, outer ear, over the ear, and OTC hearing aids are not covered.
Vision Services See details
Freedom Medicare Plan Rx (HMO) provides partially covered vision services, including one annual routine eye exam with no copay and no coinsurance, while other eye exam services are not covered. Eyewear is also partially covered with no coinsurance and a $100 annual limit, charging a $10 copay for contact lenses or complete eyeglasses (lenses and frames) while individual eyeglass lenses and frames are not covered.
Dental Services See details
Freedom Medicare Plan Rx (HMO) provides partially covered dental services with no copay and no coinsurance for covered benefits like oral exams, cleanings, fluoride, x-rays, and oral surgery. However, several sub-services are not covered, including restorative care, endodontics, periodontics, prosthodontics, implants, orthodontics, and other diagnostic or preventive services.
Home Infusion bundled Services See details
Freedom Medicare Plan Rx (HMO) covers home infusion bundled services with no copay, requiring prior authorization. Under this benefit, Medicare Part B insulin drugs have a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs require no copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis Services are covered under the Freedom Medicare Plan Rx (HMO) with no copay and a 20% coinsurance.
Medical Equipment See details
Freedom Medicare Plan Rx (HMO) covers medical equipment, including durable medical equipment, prosthetics, and diabetic supplies, with no copay for all covered services. Coinsurance is 20% for most items, except for diabetic supplies which range from no coinsurance up to 20% coinsurance, and prior authorization is required.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Freedom Medicare Plan Rx (HMO), requiring prior authorization and referrals for all services. Diagnostic procedures require a $0 to $200 copay and a minimum 20% coinsurance, diagnostic radiological services have a minimum $25 copay, and therapeutic services require a copay and a minimum 20% coinsurance, while lab services and outpatient X-rays feature no copay but require coinsurance.
Home Health Services See details
Freedom Medicare Plan Rx (HMO) covers Home Health Services with a $10.00 copay and no coinsurance. Prior authorization and a referral are required to access these services.
Cardiac Rehabilitation Services See details
Freedom Medicare Plan Rx (HMO) covers Cardiac Rehabilitation Services with no coinsurance, but some services are covered while Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) are not covered. These services require prior authorization and referrals, with copayments of $20 for pulmonary rehabilitation and $30 for the other rehabilitation services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Freedom Medicare Plan Rx (HMO) with no coinsurance, featuring no copay for days 1 through 20 and a $218 copay for days 21 through 100. Prior authorization and referrals are required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Freedom Medicare Plan Rx (HMO) partially covers other services, providing over-the-counter (OTC) items up to $47 monthly and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan.
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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.
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