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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 $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 features a $0 drug deductible, meaning your prescription coverage begins immediately. For Tier 1 preferred generic drugs, you will pay no copay for one, two, or three-month supplies at standard and preferred pharmacies. Tier 2 preferred brand drugs carry a $30 copay for a one-month supply, with standard mail order offering a three-month supply for a $60 copay. Tier 3 non-preferred drugs require a one-month copay of $80 at preferred pharmacies or $85 at standard pharmacies, with mail order options also available. For Tier 4 specialty tier drugs, you will pay a 33% coinsurance for a one-month supply across standard, preferred, and mail-order pharmacies. This prescription drug plan provides clear cost-sharing tiers to help you manage your healthcare expenses.
Additional Benefits
The Freedom VIP Savings COPD (HMO C-SNP) offers comprehensive medical coverage with predictable out-of-pocket costs, including no copays or coinsurance for primary care visits, home health services, and routine preventive care. For inpatient hospital stays, members pay a $195 daily copay for the first five days and no copay for days six through 90. Specialist doctor visits and therapy services require a low $25 copay, while outpatient hospital services carry a $195 copay. This plan also features valuable supplemental benefits with no copays, including routine dental cleanings, annual hearing and vision exams, a $55 monthly over-the-counter allowance, and up to 20 one-way transportation trips. For specialized care and medical supplies, members can expect a 20% coinsurance for dialysis, prosthetics, and select Part B drugs, while Part B insulin is capped at a $35 copay.
Inpatient Hospital See details
Freedom VIP Savings COPD (HMO C-SNP) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $195 daily copay for days 1 through 5 and no copay for days 6 through 90. Prior authorization and referrals are required for these services, while additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Freedom VIP Savings COPD (HMO C-SNP) covers outpatient services with no coinsurance, featuring a $195 copay for outpatient hospital and observation services, a $50 copay for ambulatory surgical center services, and no copay for outpatient blood services. Outpatient substance abuse individual and group sessions require a copay ranging from $25 to $195, with prior authorizations and referrals required for most of these services.
Partial Hospitalization See details
Freedom VIP Savings COPD (HMO C-SNP) covers partial hospitalization 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 by Freedom VIP Savings COPD (HMO C-SNP), with ground ambulance services requiring a $200 copay and no coinsurance, and air ambulance services requiring a 20% coinsurance and no copay. Transportation is partially covered, offering up to 20 one-way trips per year to plan-approved locations with no copay or coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
Freedom VIP Savings COPD (HMO C-SNP) covers emergency services with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 72 hours, and urgently needed services with a $10 copay and no coinsurance. Worldwide emergency, urgent, and transportation services are also covered up to a $100,000 maximum plan benefit with a $500 copay and no coinsurance per service.
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, psychiatric, and mental health services require a $25 copay and no coinsurance. Chiropractic and podiatry services are not covered, but telehealth is included and other medical services carry a $0 to $195 copay with no coinsurance.
Preventive Services See details
Freedom VIP Savings COPD (HMO C-SNP) partially covers preventive services, offering covered benefits such as kidney disease education, glaucoma screenings, a fitness benefit, and a personal emergency response system with no copays and no coinsurance. However, several sub-services are not covered, including annual physical exams, health education, and nutritional/dietary benefits, and some covered services require prior authorization and referrals.
Hearing Services See details
Freedom VIP Savings COPD (HMO C-SNP) hearing services are partially covered with no copays, no coinsurance, and no deductibles for Medicare-covered exams, routine annual exams, and fitting evaluations. While prescription hearing aids are covered up to $750 per ear annually with no copay or coinsurance, OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Vision services are partially covered by Freedom VIP Savings COPD (HMO C-SNP) with no copay and no coinsurance for one routine annual eye exam and eyewear up to a $150 yearly limit, though upgrades require a $30 copay. Other eye exam services, individual eyeglass lenses, and individual eyeglass frames are not covered.
Dental Services See details
Freedom VIP Savings COPD (HMO C-SNP) offers partially covered dental services with no copay and no coinsurance for covered treatments such as exams, cleanings, x-rays, fluoride, restorative care, periodontics, and oral surgery. Sub-services that are not covered under this plan include other diagnostic and preventive services, adjunctive general services, endodontics, prosthodontics, maxillofacial prosthetics, implants, and orthodontics.
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 benefit, Medicare Part B insulin has a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs require a 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under 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 with no copay, subject to prior authorization. Coinsurance is 20% for prosthetics, medical supplies, and diabetic shoes, while durable medical equipment and diabetic supplies range from no coinsurance to 20% coinsurance.
Diagnostic and Radiological Services See details
Freedom VIP Savings COPD (HMO C-SNP) covers diagnostic and radiological services with prior authorization and referrals required. Lab services and outpatient X-rays feature no copay, while diagnostic procedures range from no copay up to a $195 copay with 20% coinsurance, and radiological services require either a minimum $25 copay or 20% coinsurance.
Home Health Services See details
Home health services are covered under the Freedom VIP Savings COPD (HMO C-SNP) plan with no copay and no coinsurance, although prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
Freedom VIP Savings COPD (HMO C-SNP) covers some cardiac rehabilitation services with no copay and no coinsurance, but standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Freedom VIP Savings COPD (HMO C-SNP) offers partially covered Skilled Nursing Facility (SNF) services 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
Freedom VIP Savings COPD (HMO C-SNP) offers select other services with no copay and no coinsurance, including a monthly $55 over-the-counter (OTC) allowance and a chronic illness meal benefit. While these benefits require no cost-sharing, acupuncture is not covered, and the meal benefit requires a referral and prior authorization.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
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