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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 2026, 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 4.5 out of 5 stars in 2026.
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 $185.00. 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) prescription drug plan features a $0 drug deductible, allowing your coverage to begin immediately. Under this plan, Tier 1 preferred generic drugs have no copay for one-month, two-month, or three-month supplies at standard and preferred pharmacies, as well as standard mail order. Tier 2 preferred brand drugs require a $20 copay for a one-month supply at preferred and standard pharmacies, while standard mail order offers a three-month supply for a $40 copay. For Tier 3 non-preferred drugs, the one-month copay is $65 at preferred pharmacies and standard mail order, and $70 at standard pharmacies. Tier 4 specialty medications require a 33% coinsurance for a one-month supply across all available pharmacy and mail-order options. This plan provides predictable copayments and coinsurance rates to help you easily manage your healthcare budget.
Additional Benefits
The Freedom VIP Savings COPD (HMO C-SNP) plan offers comprehensive medical coverage with highly competitive out-of-pocket costs, including no copay and no coinsurance for primary care visits. Inpatient hospital stays require a $175 daily copay for the first seven days and no copay for days eight through 90, while emergency room visits have a $150 copay that is waived if you are admitted. Outpatient surgical services feature a low $25 copay, and routine home health services are available with no copay and no coinsurance. This plan also features valuable everyday wellness benefits, including no copay and no coinsurance for routine dental, annual hearing exams, and routine vision care, which includes up to $400 annually for select eyewear. Additionally, members benefit from up to 20 one-way transportation trips per year and an $80 monthly allowance for over-the-counter items with no copay. Prescription hearing aids are also covered up to $750 per ear yearly with no copay or coinsurance.
Inpatient Hospital See details
Freedom VIP Savings COPD (HMO C-SNP) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $175 daily copay for days 1 through 7 and no copay for days 8 through 90. The benefit is partially covered because additional days, upgrades, and non-Medicare-covered stays are not covered, and prior authorization and referrals are required.
Outpatient Services See details
Outpatient services under the Freedom VIP Savings COPD (HMO C-SNP) are covered with no coinsurance, featuring a $195 copay for outpatient hospital and observation services and a $25 copay for ambulatory surgical center services. Outpatient substance abuse sessions have a copay ranging from $10 to $195 with no coinsurance, while outpatient blood services are covered with no copay, no coinsurance, and no deductible.
Partial Hospitalization See details
Freedom VIP Savings COPD (HMO C-SNP) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization and a referral are required to access this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered under the Freedom VIP Savings COPD (HMO C-SNP) plan, with ground ambulance services requiring a $200 copay and air ambulance services requiring a 20% coinsurance. Transportation benefits are partially covered, offering up to 20 one-way trips per year to plan-approved locations with no copay and no coinsurance, though transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered under the Freedom VIP Savings COPD (HMO C-SNP) plan with a $150 copay and no coinsurance, which is 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 with a $500 copay and no coinsurance.
Primary Care See details
Freedom VIP Savings COPD (HMO C-SNP) covers primary care physician services with no copay and no coinsurance, while specialist, therapy, and mental health visits require a $10 copay and no coinsurance. Other covered services range from a $0 to $195 copay with no coinsurance, though chiropractic and podiatry services are not covered.
Preventive Services See details
Freedom VIP Savings COPD (HMO C-SNP) partially covers preventive services with no copay and no coinsurance for all covered services, although some require referrals and prior authorizations. Covered benefits include glaucoma screenings, diabetes self-management training, and fitness benefits, while annual physical exams, health education, and medical nutrition therapy are not covered.
Hearing Services See details
Hearing services are covered by Freedom VIP Savings COPD (HMO C-SNP) with no copay and no coinsurance for annual routine exams, fitting evaluations, and Medicare-covered exams. Prescription hearing aids are partially covered with no copay or coinsurance up to $750 per ear yearly, though OTC hearing aids as well as inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by the Freedom VIP Savings COPD (HMO C-SNP) plan, which excludes other eye exam services, individual eyeglass lenses, and individual eyeglass frames. Covered benefits, including one routine eye exam and select eyewear up to a $400 annual limit, feature no copay and no coinsurance, while eyewear upgrades require a $30 copay and no coinsurance.
Dental Services See details
Freedom VIP Savings COPD (HMO C-SNP) offers partially covered dental services with no copay and no coinsurance for Medicare-covered dental care, oral exams, cleanings, fluoride, x-rays, restorative services, periodontics, and oral surgery. However, sub-services such as endodontics, prosthodontics, implants, orthodontics, and adjunctive general services are not covered.
Home Infusion bundled Services See details
Freedom VIP Savings COPD (HMO C-SNP) covers home infusion bundled services with no copay, although prior authorization is required. Under this plan, Medicare Part B insulin drugs have a $35 copay and no coinsurance, while other covered Part B chemotherapy, radiation, and specialty drugs require 0% to 20% coinsurance and no copay.
Dialysis Services See details
Dialysis Services are covered by the Freedom VIP Savings COPD (HMO C-SNP) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Freedom VIP Savings COPD (HMO C-SNP) covers medical equipment, including durable medical equipment, prosthetics, and diabetic supplies, with no copay and prior authorization required. Coinsurance ranges from no coinsurance to 20% for durable medical equipment and diabetic supplies, while prosthetic devices, medical supplies, and diabetic therapeutic shoes or inserts require 20% coinsurance.
Diagnostic and Radiological Services See details
Freedom VIP Savings COPD (HMO C-SNP) covers diagnostic and radiological services, requiring prior authorization and referrals for all care. Lab services and outpatient X-rays have no copay, diagnostic tests range from no copay up to $195 with 20% coinsurance, and radiological services require a minimum $25 copay or 20% coinsurance.
Home Health Services See details
Freedom VIP Savings COPD (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 Savings COPD (HMO C-SNP) covers Cardiac Rehabilitation Services with no coinsurance, but only some services are covered as standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for PAD rehabilitation services are not covered and require a $10 copay. Prior authorization and referrals are required for these services.
Skilled Nursing Facility (SNF) See details
Freedom VIP Savings COPD (HMO C-SNP) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization and referrals are required, a prior three-day hospital stay is not required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Freedom VIP Savings COPD (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. Members receive an $80 monthly allowance for OTC items, and the meal benefit requires prior authorization and a referral.
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