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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 $125.00. 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 (HMO C-SNP) plan has an enhanced alternative drug benefit. This plan has no deductible for prescription drugs. In the initial coverage phase, you will pay a copay or coinsurance depending on the drug tier and pharmacy. For example, preferred generic drugs have a $30 copay at preferred and standard pharmacies. Once your total drug costs reach $2000, you enter the catastrophic coverage phase and pay nothing for Part D covered drugs.
Additional Benefits
The Freedom VIP Savings (HMO C-SNP) plan offers a range of benefits with varying costs. Inpatient hospital stays have a copay, but outpatient services, primary care, and preventive services often have no copay. The plan also includes coverage for hearing, vision, and dental services, with no copays for many services. Additionally, you'll find coverage for ambulance, emergency services, and other services, as well as home health and skilled nursing facility services.
Inpatient Hospital See details
The Freedom VIP Savings (HMO C-SNP) plan covers inpatient hospital services, including acute and psychiatric care, with a copay of $195 for days 1-5 and no copay for days 6-90. Additional days and non-Medicare-covered stays for both acute and psychiatric care are not covered.
Outpatient Services See details
Outpatient Services includes coverage for all outpatient hospital services with a $195 copay, observation services with a $195 copay, and ambulatory surgical center (ASC) services with a $50 copay. Outpatient substance abuse services include individual sessions with a copay between $25 and $195, and group sessions with a copay between $25 and $195. Outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the Freedom VIP Savings (HMO C-SNP) plan. This benefit requires prior authorization and a doctor's referral, and has a copay of $55.
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 a 20% coinsurance. Transportation services to a plan-approved health-related location are covered with no copay for up to 20 one-way trips per year, but transportation to any health-related location is not covered.
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, Urgently Needed Services have a $10 copay, and Worldwide Emergency Services has a $500 copay for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation.
Primary Care See details
The Freedom VIP Savings (HMO C-SNP) plan covers primary care physician services with no copay and chiropractic services with a $20 copay. Occupational therapy services have a $25 copay, while physician specialist services have a $25 copay. The plan also covers mental health specialty services with a minimum copay of $25, and physical therapy and speech-language pathology services with a $25 copay.
Preventive Services See details
Preventive Services are covered by the Freedom VIP Savings (HMO C-SNP) plan, with no copay for Medicare-covered preventive services, Medicare-covered glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following Welcome Visit. Annual physical exams, health education, in-home safety assessments, medical nutrition therapy, post-discharge in-home medication reconciliation, readmission prevention, wigs for hair loss, 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, home and bathroom safety devices and modifications, and counseling services are not covered.
Hearing Services See details
The Freedom VIP Savings (HMO C-SNP) plan covers hearing exams and fitting/evaluation for hearing aids with no copay, and covers prescription hearing aids with a maximum benefit of $750 per year, but does not cover OTC hearing aids. The plan does not cover prescription hearing aids for the inner ear, outer ear, or over the ear.
Vision Services See details
Vision services include eye exams and eyewear, with no copay for eye exams and a $0 copay for eyewear. Contact lenses, eyeglasses (lenses and frames) are also covered, with a $0 copay. Eyeglass lenses and eyeglass frames are not covered. Upgrades have a $30 copay.
Dental Services See details
Dental services are covered under the Freedom VIP Savings (HMO C-SNP) plan, with no copay for Medicare Dental Services, Oral Exams, Dental X-Rays, Prophylaxis (Cleaning), Fluoride Treatment, Periodontics, and Oral and Maxillofacial Surgery. 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, with prior authorization required. Medicare Part B Insulin Drugs have a $35 copay. 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 by the Freedom VIP Savings (HMO C-SNP) plan. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 20% coinsurance, Prosthetics/Medical Supplies with 20% coinsurance, and Diabetic Equipment with no copay for Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, diagnostic procedures/tests, lab services, diagnostic radiological services, therapeutic radiological services, and outpatient X-ray services. 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 (HMO C-SNP) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Freedom VIP Savings (HMO C-SNP) plan. Prior authorization and a doctor's referral are required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Freedom VIP Savings (HMO C-SNP) plan. For days 1-20, there is no copay, and for days 21-100, the copay is $150.
Other Services See details
Other Services includes coverage for Over-the-Counter (OTC) Items and Meal Benefits, with no copay for either. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and several other services are not covered.
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
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