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Freedom VIP Savings (HMO C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Freedom VIP Savings (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 Savings (HMO C-SNP) in 2025, please refer to our full plan details page.
Freedom VIP Savings (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 out of 5 stars in 2025.
It's important to know that Freedom VIP Savings (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 Savings (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 Savings (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 Savings (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. Additionally, this plan comes with a Part B Premium reduction of $174.70. 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 no drug deductible. Your prescription medication coverage will start immediately.
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
The Freedom VIP Savings (HMO C-SNP) plan has an enhanced alternative drug benefit. There is no deductible for prescription drugs. In the initial coverage phase, you will pay a copay for your prescriptions. For preferred generic drugs, the copay is $20.00 at preferred and standard pharmacies and $20.00 at standard mail order. For standard generic drugs, the copay is $60.00 at preferred and standard mail order, and $65.00 at standard pharmacies. Preferred brand drugs have a 33% coinsurance. Non-preferred drugs have a $10.00 copay. Once your total drug costs reach $2000.00, you enter the next coverage phase.
Additional Benefits
The Freedom VIP Savings (HMO C-SNP) plan offers a range of benefits with varying costs. Inpatient hospital stays have a copay, while outpatient services have copays ranging from $0 to $195 depending on the service. Emergency services and transportation have copays, with additional coverage for services like primary care, hearing, vision, dental, and home health services, often with no copay. This plan also includes coverage for home infusion, medical equipment, and diagnostic services, with some services requiring coinsurance. The plan covers skilled nursing facility stays, with no copay for the first 20 days, and offers other services like over-the-counter items and a meal benefit with no copay. The plan has a wide range of services with varying copays and coinsurance, so be sure to review the plan details for specific costs.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. For days 1-7, the copay is $175, and for days 8-90, there is no copay. Additional days for Inpatient Hospital-Acute and Psychiatric, as well as non-Medicare-covered stays and upgrades, are not covered.
Outpatient Services See details
Outpatient services are covered, including outpatient hospital services, observation services, ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services. Outpatient hospital and observation services have a $195 copay, ambulatory surgical center services have a $25 copay, and individual or group outpatient substance abuse sessions have a copay between $10 and $195. Outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered with a $55 copay, and requires both prior authorization and a doctor referral.
Ambulance and Transportation Services See details
The Freedom VIP Savings (HMO C-SNP) plan covers ambulance and transportation services, including ground and air ambulance services. Ground ambulance services have a $200 copay, while air ambulance services have 20% coinsurance; transportation services to a plan-approved health-related location are covered with no copay, up to 20 one-way trips per year.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the Freedom VIP Savings (HMO C-SNP) plan. Emergency Services have a $120 copay, and Urgently Needed Services have a $10 copay, while Worldwide Emergency Services, Worldwide Urgent Coverage, and Worldwide Emergency Transportation each have a $500 copay, with a maximum plan benefit coverage of $100,000.
Primary Care See details
The Freedom VIP Savings (HMO C-SNP) plan covers primary care physician services with no copay, chiropractic services with a $10 copay, occupational therapy services with a $10 copay, physician specialist services, mental health specialty services, and psychiatric services with a $10 copay for individual and group sessions. The plan also covers physical therapy and speech-language pathology services with a $10 copay, additional telehealth benefits, and opioid treatment program services with a copay between $0 and $195. Podiatry services are not covered.
Preventive Services See details
Preventive Services are covered, but annual physical exams, health education, in-home safety assessments, medical nutrition therapy, post-discharge in-home medication reconciliation, re-admission prevention, wigs for hair loss related to chemotherapy, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support services, support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, and enhanced disease management are not covered. Medicare-covered preventive services, glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKGs following a welcome visit have no copay, while the fitness benefit, personal emergency response system, remote access technologies, home and bathroom safety devices, and home and bathroom safety modifications have no copay.
Hearing Services See details
The Freedom VIP Savings (HMO C-SNP) plan covers hearing exams with no copay, and covers routine hearing exams and fitting/evaluation for hearing aids with no copay for one visit per year. Prescription hearing aids are covered, with a maximum plan benefit coverage of $750 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
The Freedom VIP Savings (HMO C-SNP) plan covers vision services, including eye exams and eyewear with no copay. Routine eye exams are covered once per year, contact lenses and eyeglasses (lenses and frames) are covered up to 2 per year, and upgrades have a $30 copay.
Dental Services See details
The Freedom VIP Savings (HMO C-SNP) plan covers Medicare Dental Services and other dental services, with no copay for services like oral exams, dental x-rays, cleaning, fluoride treatments, periodontics, and oral and maxillofacial surgery. Adjunctive general services, endodontics, prosthodontics (removable, fixed), maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the Freedom VIP Savings (HMO C-SNP) plan, including Medicare Part B Insulin Drugs with a $35 copay, and Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with 0-20% coinsurance. Prior authorization is required for these services.
Dialysis Services See details
Dialysis Services are covered under the Freedom VIP Savings (HMO C-SNP) plan. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment benefits include coverage for Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance and requires authorization, while Durable Medical Equipment for use outside the home is not covered. Prosthetics/Medical Supplies have a 20% coinsurance and require authorization; Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts have no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, with a copay and coinsurance, and lab services with no copay. Diagnostic Procedures/Tests have a maximum copay of $195 and at least 20% coinsurance, while Diagnostic Radiological Services have a maximum copay of $195. Therapeutic Radiological Services have at least 20% coinsurance, and Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered under the Freedom VIP Savings (HMO C-SNP) plan with no copay and no coinsurance. However, Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but all sub-services including Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services are not covered. A doctor referral and prior authorization are required for coverage.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Freedom VIP Savings (HMO C-SNP) plan, with a doctor referral and prior authorization required. There is no copay for days 1-20, and a $150 copay for days 21-100; additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
Under the Freedom VIP Savings (HMO C-SNP) plan, other services include Over-the-Counter (OTC) items and a Meal Benefit, both with no copay. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and many other services are not covered.
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