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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 $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 COPD (HMO C-SNP) plan has an enhanced alternative drug benefit. This plan has no deductible for prescription drugs. In the initial coverage phase, you'll pay a copay for generic drugs, with the amount depending on the pharmacy. For preferred and standard generic drugs, the copay is $30 and $80-$85, respectively. You will pay 33% coinsurance for preferred brand drugs. After your total drug costs reach $2000, you enter the catastrophic coverage phase, where you pay nothing for covered Part D drugs.
Additional Benefits
The Freedom VIP Savings COPD (HMO C-SNP) plan offers a range of benefits with varying costs. Inpatient hospital stays have a $195 copay for days 1-5, and no copay for days 6-90. Outpatient services, including primary care, have a variety of copays, while preventive services, hearing, vision, and dental services, have no copay. The plan also covers ambulance and transportation services, emergency services, and home health services with some copays or coinsurance. Prescription hearing aids, eyewear, and dental services have no copay. Other benefits, such as home infusion bundled services, dialysis services, medical equipment, and diagnostic services, have either coinsurance or copays.
Inpatient Hospital See details
Inpatient Hospital benefits, including acute and psychiatric, are covered by the Freedom VIP Savings COPD (HMO C-SNP) plan. For days 1-5, there is a $195 copay, and for days 6-90, there is no copay.
Outpatient Services See details
Outpatient Services for the Freedom VIP Savings COPD (HMO C-SNP) plan include coverage for all outpatient hospital services, with a $195 copay, observation services, with a $195 copay, ambulatory surgical center (ASC) services with a $50 copay, individual outpatient substance abuse sessions with a copay between $25 and $195, group outpatient substance abuse sessions with a copay between $25 and $195, and outpatient blood services with no copay. Prior authorization and a doctor referral are required for many services.
Partial Hospitalization See details
Partial Hospitalization is covered, but requires prior authorization and a doctor's referral. You will have a $55 copay for this service.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required. 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, but only allow for 20 one-way trips per year, and 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. 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
The Freedom VIP Savings COPD (HMO C-SNP) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, occupational therapy services with a $25 copay, physician specialist services with a $25 copay, and physical therapy and speech-language pathology services with a $25 copay. The plan also covers mental health specialty services, other health care professional services, psychiatric services, additional telehealth benefits, and opioid treatment program services with varying copays.
Preventive Services See details
Preventive Services are covered, including Medicare-covered preventive services with no copay, but annual physical exams are not covered. Additional preventive services, including Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit, are covered 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 coverage of $750 per ear every year, and a $0 copay for prescription hearing aids of all types. OTC hearing aids are not covered.
Vision Services See details
The Freedom VIP Savings COPD (HMO C-SNP) plan covers vision services including eye exams and eyewear with no copay, and contact lenses, and eyeglasses (lenses and frames) with no copay. Eyeglass lenses and frames are not covered, and upgrades have a $30 copay.
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 treatment, 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, 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 COPD (HMO C-SNP) plan. You will pay 20% coinsurance.
Medical Equipment See details
Medical equipment benefits include Durable Medical Equipment (DME) with a coinsurance between 0% and 20%, Prosthetic Devices with a 20% coinsurance, and Medical Supplies with a 20% coinsurance. Diabetic Supplies have a coinsurance between 0% and 20%, while Diabetic Therapeutic Shoes/Inserts 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, including Diagnostic Procedures/Tests, Lab Services, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services, are covered. Diagnostic Procedures/Tests have a maximum copay of $195 and at least 20% coinsurance, while Lab Services have no copay. Diagnostic Radiological Services have a copay up to $195, and Therapeutic Radiological Services have at least 20% coinsurance. 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, but additional hours of care and personal care services are not covered. Prior authorization and a referral are required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the Freedom VIP Savings COPD (HMO C-SNP) plan. The plan does not cover Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, or Additional Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the Freedom VIP Savings COPD (HMO C-SNP) plan, but require prior authorization and a doctor's referral. There is no copay for days 1-20, but there is a $150 copay for days 21-100. Additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
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 plan benefit coverage amount of $60 per month. Meal benefits are covered with no copay, but require prior authorization and a doctor's referral. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and several other services are not covered.
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