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Freedom VIP Savings COPD (HMO C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Freedom VIP Savings COPD (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 COPD (HMO C-SNP) in 2025, please refer to our full plan details page.
Freedom VIP Savings COPD (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 COPD (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 COPD (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 COPD (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 COPD (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 COPD (HMO C-SNP) plan has an enhanced alternative drug benefit with no deductible. In the initial coverage phase, you will pay a copay for your prescriptions. For preferred generic drugs, the copay is $20, and for standard generic drugs, the copay is $60 or $65 depending on the pharmacy. For preferred brand drugs, you will pay 33% coinsurance. The plan offers no copay for Part D if you qualify for the low-income subsidy. Once your total drug costs reach $2000, you enter the catastrophic coverage phase where you pay nothing for covered drugs.
Additional Benefits
The Freedom VIP Savings COPD (HMO C-SNP) plan offers a wide range of benefits with varying cost-sharing. Inpatient hospital stays have a copay, while outpatient services and emergency services have copays that vary by service. Primary care, preventive services, hearing, vision, dental, and home health services are offered with no copay. The plan also covers ambulance and transportation services, with some services having a copay or coinsurance. Additional benefits include home infusion, dialysis, and medical equipment, which may have coinsurance. The plan also offers over-the-counter items and a meal benefit with no copay, along with Skilled Nursing Facility (SNF) services with copays depending on the length of stay.
Inpatient Hospital See details
Inpatient Hospital benefits, including acute and psychiatric care, are covered with a $175 copay for days 1-7, and no copay for days 8-90; additional days and non-Medicare-covered stays are not covered.
Outpatient Services See details
The Freedom VIP Savings COPD (HMO C-SNP) plan covers outpatient services, including outpatient hospital services, with a $195 copay, and observation services with a $195 copay. Ambulatory Surgical Center (ASC) services have a $25 copay, and outpatient blood services have no copay. Outpatient substance abuse services for individual and group sessions have copays between $10 and $195.
Partial Hospitalization See details
Partial Hospitalization is covered under the Freedom VIP Savings COPD (HMO C-SNP) plan. This benefit requires prior authorization and a doctor referral, and has a copay of $55.
Ambulance and Transportation Services See details
Ambulance and Transportation Services include coverage for all ambulance services, with a coinsurance for Medicare-covered ground ambulance services and a copay for Medicare-covered air ambulance services. Transportation Services to a plan-approved health-related location are covered with no copay, and up to 20 one-way trips per year are available. 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 VIP Savings COPD (HMO C-SNP) plan. Emergency Services have a $120 copay, Urgently Needed Services have a $10 copay, and Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation each have a $500 copay.
Primary Care See details
Primary Care Physician Services are covered with no copay. Chiropractic Services, Occupational Therapy Services, Physician Specialist Services, Mental Health Specialty Services, Psychiatric Services, Physical Therapy and Speech-Language Pathology Services, Additional Telehealth Benefits, and Opioid Treatment Program Services are covered, but require prior authorization and a doctor referral. Chiropractic and Physician Specialist Services, Mental Health Specialty Services, Psychiatric Services, and Physical Therapy and Speech-Language Pathology Services have a $10 copay.
Preventive Services See details
The Freedom VIP Savings COPD (HMO C-SNP) plan covers preventive services, including Medicare-covered services with no copay, and additional services like Fitness Benefit, Personal Emergency Response System (PERS), Remote Access Technologies, and Home and Bathroom Safety Devices, each with no copay. 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, enhanced disease management, telemonitoring services and counseling services are not covered. The plan also covers kidney disease education services, glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following a welcome visit, all with no copay.
Hearing Services See details
The Freedom VIP Savings COPD (HMO C-SNP) plan covers hearing exams, routine hearing exams, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered with a maximum plan benefit of $750 per year, per ear, and prescription hearing aids (all types) have no copay. OTC hearing aids, and prescription hearing aids for the inner, outer, and over the ear are not covered.
Vision Services See details
The Freedom VIP Savings COPD (HMO C-SNP) plan covers vision services, including eye exams with no copay and eyewear with no copay. The plan also covers contact lenses and eyeglasses (lenses and frames) with no copay, and upgrades with a $30 copay. Eyeglass lenses and frames are not covered.
Dental Services See details
The Freedom VIP Savings COPD (HMO C-SNP) plan covers dental services, including oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatments, periodontics, and oral and maxillofacial surgery with no copay. Adjunctive general services, endodontics, prosthodontics (removable and fixed), maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, and require prior authorization. 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 under the Freedom VIP Savings COPD (HMO C-SNP) plan. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical equipment, including Durable Medical Equipment (DME), is covered by the Freedom VIP Savings COPD (HMO C-SNP) plan. DME has a coinsurance between 0% and 20%, while medical supplies, prosthetic devices, and diabetic equipment have a 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. 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 and Therapeutic Radiological Services have a coinsurance of at most 20%. Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered by the Freedom VIP Savings COPD (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 not the sub-services, including Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, SET for PAD Services, and Additional Cardiac Rehabilitation Services. Prior authorization and a doctor referral are required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, but require prior authorization and a doctor's referral. For days 1-20, there is no copay, and for days 21-100, the copay is $150.
Other Services See details
The Freedom VIP Savings COPD (HMO C-SNP) plan covers Over-the-Counter (OTC) Items with no copay, and a maximum benefit coverage amount of $80 per month. The plan also covers a Meal Benefit with no copay, but requires prior authorization and a doctor referral. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and many other services are not covered.
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