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Freedom VIP Care (HMO C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Freedom VIP Care (HMO C-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Freedom VIP Care (HMO C-SNP) in 2026, please refer to our full plan details page.
Freedom VIP Care (HMO C-SNP) is a HMO C-SNP 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 VIP Care (HMO C-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Freedom VIP Care (HMO C-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Freedom VIP Care (HMO C-SNP).
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 VIP Care (HMO C-SNP), 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 $1000.00 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 VIP Care (HMO C-SNP) plan features a $0 prescription drug deductible, allowing your coverage to begin immediately. You will pay no copay for Tier 1 preferred generic drugs and Tier 5 select diabetic drugs at both preferred and standard pharmacies. This zero-cost coverage applies to one-month, two-month, and three-month supplies. For Tier 2 preferred brand drugs, you will pay a $10 copay for a one-month supply at retail pharmacies or standard mail order. Tier 3 non-preferred drugs have a $60 copay at preferred pharmacies and a $65 copay at standard pharmacies, while Tier 4 specialty drugs require a 33% coinsurance.
Additional Benefits
The Freedom VIP Care (HMO C-SNP) plan offers comprehensive coverage with no copay and no coinsurance for inpatient hospital stays, primary care, specialist visits, and home health services. Outpatient hospital services require a $100 copay, while emergency care has a $150 copay that is waived if you are admitted. Durable medical equipment and dialysis services generally carry a 20% coinsurance with no copay, though diabetic equipment is available with no copay and no coinsurance. Members also benefit from dental, routine vision, and hearing services with no copay or coinsurance, alongside an $80 monthly allowance for over-the-counter items. Skilled nursing facility stays feature no copay for the first 20 days, followed by a $218 daily copay for days 21 through 100. Additionally, routine transportation is covered with no copay or coinsurance for up to 20 one-way trips per year to plan-approved locations.
Inpatient Hospital See details
Freedom VIP Care (HMO C-SNP) covers inpatient acute and psychiatric hospital stays with no copay and no coinsurance per admission, though prior authorization and referrals are required. This benefit is partially covered, as upgrades, additional days, and non-Medicare-covered stays are not covered by the plan.
Outpatient Services See details
Outpatient services under Freedom VIP Care (HMO C-SNP) are covered with no coinsurance, featuring a $100 copay for outpatient hospital and observation services, a $0 to $100 copay for outpatient substance abuse sessions, and no copay for ambulatory surgical center and blood services. Prior authorization and referrals are required for most of these outpatient services.
Partial Hospitalization See details
Freedom VIP Care (HMO C-SNP) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization and a referral are required to receive these services.
Ambulance and Transportation Services See details
Freedom VIP Care (HMO C-SNP) covers ground ambulance services with a $200 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, both requiring prior authorization. Transportation services are also covered with no copay or coinsurance for up to 20 one-way trips per year to plan-approved locations, though transportation to any other health-related location is not covered.
Emergency Services See details
Freedom VIP Care (HMO C-SNP) covers emergency services with a $150 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 72 hours. Urgently needed services require a $10 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered up to a $100,000 maximum limit with a $500 copay and no coinsurance per service.
Primary Care See details
Freedom VIP Care (HMO C-SNP) offers primary care, specialist, mental health, and therapy services with no copay and no coinsurance. Podiatry and chiropractic services are not covered, and opioid treatment services require no coinsurance with a copay ranging from $0 to $100.
Preventive Services See details
Preventive services are partially covered by Freedom VIP Care (HMO C-SNP) with no copays and no coinsurance for covered benefits like fitness programs, home safety devices, and glaucoma screenings. However, several services are not covered under this plan, including annual physical exams, health education, in-home safety assessments, medical nutrition therapy, and weight management programs.
Hearing Services See details
Freedom VIP Care (HMO C-SNP) provides hearing services with no copay and no coinsurance, which includes one routine hearing exam and one fitting evaluation per year. Prescription hearing aids are partially covered with no copay or coinsurance up to $750 per ear annually, although OTC hearing aids as well as inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Freedom VIP Care (HMO C-SNP) partially covers vision services with no copay or coinsurance for one annual routine eye exam and eyewear, including contact lenses or eyeglasses, up to a $400 yearly limit. Other eye exams, individual eyeglass lenses, and individual eyeglass frames are not covered, though eyewear upgrades are available for a $30 copay.
Dental Services See details
Freedom VIP Care (HMO C-SNP) dental services are partially covered with no copay and no coinsurance for covered benefits such as oral exams, cleanings, fluoride, x-rays, restorative care, periodontics, removable prosthodontics, and oral surgery. Sub-services that are not covered under this plan include other diagnostic services, other preventive services, adjunctive general services, endodontics, maxillofacial prosthetics, implant services, fixed prosthodontics, and orthodontics.
Home Infusion bundled Services See details
Freedom VIP Care (HMO C-SNP) covers Home Infusion bundled Services with no copay, requiring prior authorization. Under this plan, Medicare Part B insulin has a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs carry no copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by Freedom VIP Care (HMO C-SNP) with no copay and a 20% coinsurance.
Medical Equipment See details
Freedom VIP Care (HMO C-SNP) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance, though prior authorization is required. Covered diabetic equipment, including supplies and therapeutic shoes or inserts, features no copay and no coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under Freedom VIP Care (HMO C-SNP) with prior authorization and referrals required. Outpatient lab and X-ray services feature no copay, while diagnostic procedures range from a $0 to $100 copay with a minimum 20% coinsurance, and diagnostic radiological services require at least a $25 copay.
Home Health Services See details
Freedom VIP Care (HMO C-SNP) covers Home Health Services with no copay and no coinsurance, though prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
Freedom VIP Care (HMO C-SNP) covers Cardiac Rehabilitation Services with no copayment and no coinsurance, though prior authorization and a referral are required. While some services are covered, cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Freedom VIP Care (HMO C-SNP) with no coinsurance, requiring prior authorization and a referral. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, while additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Freedom VIP Care (HMO C-SNP) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance, while acupuncture is not covered. The OTC benefit provides up to $80 per month, and the meal benefit requires prior authorization and a referral.
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* 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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