Freedom VIP Savings (HMO C-SNP)

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 4.5 out of 5 stars in 2026.

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.

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.

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:

Drug Coverage

The Freedom VIP Savings (HMO C-SNP) Medicare plan features a $0 drug deductible, allowing your prescription drug coverage to begin immediately. Tier 1 preferred generic medications have no copay for one-, two-, or three-month supplies at preferred, standard, and standard mail-order pharmacies. Tier 2 preferred brand drugs require a $20 copay for a one-month supply, though you can save on a three-month supply with a $40 copay through standard mail order. Tier 3 non-preferred drugs have a one-month copay of $65 at preferred pharmacies and standard mail order, or $70 at standard pharmacies. Tier 4 specialty drugs carry a 33% coinsurance for a one-month supply at preferred, standard, and standard mail-order pharmacies. Finally, Tier 5 select diabetic drugs cost a $10 copay for a one-month supply, with standard mail order lowering the three-month supply cost to a $20 copay.

Additional Benefits

The Freedom VIP Savings (HMO C-SNP) plan offers comprehensive healthcare coverage with predictable out-of-pocket costs, featuring no copay or coinsurance for primary care visits and preventive services. For specialized medical care, members pay a low $10 copay for specialist visits and no copay for home health services. Inpatient hospital stays require a $175 copay for the first seven days and no copay for days 8 through 90, while outpatient hospital services carry a $195 copay. This Medicare plan also includes valuable supplemental benefits such as dental, vision, and hearing care with no copays or coinsurance for routine exams and cleanings. Members also receive up to 20 free one-way transportation trips annually and an $80 monthly allowance for over-the-counter items with no copay. Additionally, prescription hearing aids are covered up to $750 per ear and select eyewear is covered up to $400 yearly with no copay or deductible.