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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 2026, 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 4.5 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.
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 $120.00. 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 features a $0 drug deductible, meaning your prescription drug coverage begins immediately. For Tier 1 preferred generic drugs, members benefit from no copay for one-, two-, or three-month supplies at preferred and standard pharmacies. Tier 2 preferred brand drugs carry a $30 copay for a one-month supply, which can be filled at standard or preferred pharmacies. Tier 3 non-preferred drugs require an $80 copay at preferred pharmacies and standard mail order, or an $85 copay at standard pharmacies for a one-month supply. Tier 4 specialty drugs require a 33% coinsurance for a one-month supply across all pharmacy types. Additionally, Tier 5 select diabetic drugs are available with a $10 copay for a one-month supply at both standard and preferred pharmacies.
Additional Benefits
The Freedom VIP Savings (HMO C-SNP) plan offers comprehensive medical coverage with no copay for primary care visits, home health services, and preventive care. For specialist visits, patients pay a $25 copay, while inpatient hospital stays require a $195 daily copay for the first five days and no copay thereafter. Outpatient hospital services also feature a $195 copay, and emergency room visits have a $150 copay, which is waived if you are admitted. This plan provides strong everyday value with no copay or coinsurance for routine dental cleanings, annual hearing exams, and routine vision care, which includes a $150 annual eyewear allowance. Additionally, members benefit from a $55 monthly over-the-counter allowance, up to 20 free one-way transportation trips per year, and no-copay diabetic supplies. Durable medical equipment and dialysis services are also covered, typically requiring a twenty percent coinsurance.
Inpatient Hospital See details
Freedom VIP Savings (HMO C-SNP) partially covers inpatient hospital services, offering acute and psychiatric care with no coinsurance, a $195 copay for days 1 through 5, and no copay for days 6 through 90. Prior authorization and referrals are required, and upgrades, additional days, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services under the Freedom VIP Savings (HMO C-SNP) plan are covered with no coinsurance, featuring a $195 copay for outpatient hospital and observation services, and a $50 copay for ambulatory surgical center services. Outpatient substance abuse services require a copay of $25 to $195 with no coinsurance, while outpatient blood services are provided with no copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization services are covered under the Freedom VIP Savings (HMO C-SNP) plan with a $55.00 copay and no coinsurance. This benefit requires prior authorization and a referral.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered under Freedom VIP Savings (HMO C-SNP), with ground ambulance services requiring a $200 copay (no coinsurance) and air ambulance services requiring 20% coinsurance (no copay). Transportation is partially covered with no copay or coinsurance for up to 20 one-way trips per year to plan-approved locations, while transportation to any health-related location is not covered.
Emergency Services See details
Freedom VIP Savings (HMO C-SNP) covers emergency services with a $150 copay, which is waived if you are admitted to the hospital within 72 hours, and urgently needed services with a $10 copay, both with no coinsurance. Worldwide emergency, urgent, and transportation services are also covered up to a $100,000 maximum benefit with a $500 copay per service and no coinsurance.
Primary Care See details
Freedom VIP Savings (HMO C-SNP) offers partially covered primary care benefits, featuring no copay and no coinsurance for primary care physician visits, and a $25 copay with no coinsurance for specialists, mental health, and physical therapy. Chiropractic and podiatry services are not covered under this plan.
Preventive Services See details
Freedom VIP Savings (HMO C-SNP) partially covers preventive services with no copay and no coinsurance for covered benefits like kidney disease education, memory fitness, and remote access technologies. However, several services are not covered, including annual physical exams, health education, in-home safety assessments, and weight management programs.
Hearing Services See details
Hearing services are partially covered by Freedom VIP Savings (HMO C-SNP), offering no copay, no coinsurance, and no deductible for Medicare-covered exams, one routine hearing exam, and one fitting evaluation annually. Prescription hearing aids are covered with no copay or coinsurance up to $750 per ear yearly, but OTC hearing aids and inner-ear, outer-ear, or over-the-ear prescription hearing aids are not covered.
Vision Services See details
Freedom VIP Savings (HMO C-SNP) partially covers vision services, offering one routine eye exam and eyewear per year with no copay and no coinsurance up to a $150 maximum limit. Other eye exam services, individual eyeglass lenses, and individual eyeglass frames are not covered, while eyewear upgrades require a $30 copay and no coinsurance.
Dental Services See details
Dental services are partially covered under the Freedom VIP Savings (HMO C-SNP) plan with no copay and no coinsurance for covered treatments like exams, cleanings, fluoride, restorative care, periodontics, and oral surgery. However, several services are not covered, including endodontics, implants, prosthodontics, and orthodontics.
Home Infusion bundled Services See details
Freedom VIP Savings (HMO C-SNP) covers Home Infusion bundled Services with no copay, though prior authorization is required. Medicare Part B insulin drugs are covered with a $35 copay and no coinsurance, while chemotherapy and other Part B drugs have a 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the Freedom VIP Savings (HMO C-SNP) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Freedom VIP Savings (HMO C-SNP) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance, subject to prior authorization. Diabetic equipment, supplies, and therapeutic shoes or inserts are also covered with no copay and no coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under Freedom VIP Savings (HMO C-SNP), requiring prior authorization and referrals. Diagnostic procedures have a minimum 20% coinsurance and copays ranging from no copay to $195, while lab services and outpatient X-rays have no copay but require coinsurance. Diagnostic radiological services require a minimum $25 copay with no coinsurance, and therapeutic radiological services require a copay and a minimum 20% coinsurance.
Home Health Services See details
Freedom VIP Savings (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
Cardiac Rehabilitation Services are covered under the Freedom VIP Savings (HMO C-SNP) plan with no coinsurance, though only some services are covered in practice as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Freedom VIP Savings (HMO C-SNP) with no coinsurance, featuring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization and referrals are required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by Freedom VIP Savings (HMO C-SNP), offering a $55 monthly over-the-counter allowance and chronic illness meals with no copay and no coinsurance. Acupuncture is not covered under this plan, and the meal benefit requires prior authorization and a referral.
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