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Freedom Medi-Medi Full (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Freedom Medi-Medi Full (HMO D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Freedom Medi-Medi Full (HMO D-SNP) in 2026, please refer to our full plan details page.
Freedom Medi-Medi Full (HMO D-SNP) is a HMO D-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 Medi-Medi Full (HMO D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Freedom Medi-Medi Full (HMO D-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 Medi-Medi Full (HMO D-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 Medi-Medi Full (HMO D-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.
This plan does not come with a Part B Premium reduction. You must continue to pay your 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 a $615.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $500.00 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 Medi-Medi Full (HMO D-SNP) prescription drug plan features an annual drug deductible of $615. Under this plan, you will benefit from no copay on Tier 1 preferred generic drugs and Tier 5 supplemental drugs when using standard pharmacy or standard mail order services. This means you can obtain a one-month, two-month, or three-month supply of these essential medications at zero cost to you. For Tier 2 preferred brand drugs, Tier 3 non-preferred drugs, and Tier 4 specialty drugs, the plan requires a 25% coinsurance for standard pharmacy and standard mail order fills. This 25% coinsurance applies to one-month, two-month, and three-month supplies for Tiers 2 and 3, and to a one-month supply for Tier 4 specialty medications. Understanding these straightforward copay and coinsurance rates helps you accurately estimate your out-of-pocket prescription costs.
Additional Benefits
The Freedom Medi-Medi Full (HMO D-SNP) plan offers comprehensive healthcare coverage with no copays and no coinsurance for most essential medical services. This includes complete coverage for inpatient and outpatient hospital stays, emergency care, primary and specialist visits, and skilled nursing facility care. While these core medical services require no out-of-pocket costs, members should note that many services require prior authorization and referrals. Members also benefit from routine dental, vision, hearing, and non-emergency transportation services with no copays or coinsurance. Additional plan perks include covered medical equipment, diagnostic testing, and a monthly over-the-counter item allowance. However, certain limitations apply, such as annual dollar limits on eyewear and hearing aids, and some specialized services like acupuncture are not covered.
Inpatient Hospital See details
Freedom Medi-Medi Full (HMO D-SNP) covers Medicare-covered inpatient acute and psychiatric hospital stays with no copay and no coinsurance, though prior authorization and referrals are required. This benefit is partially covered, as additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Freedom Medi-Medi Full (HMO D-SNP) covers outpatient services, including outpatient hospital, ambulatory surgical center, outpatient substance abuse, and outpatient blood services, with no copay and no coinsurance. Prior authorization and referrals are required for most of these covered services.
Partial Hospitalization See details
Partial hospitalization services are covered by Freedom Medi-Medi Full (HMO D-SNP) with no copay and no coinsurance. Prior authorization and a referral are required to receive these covered services.
Ambulance and Transportation Services See details
Freedom Medi-Medi Full (HMO D-SNP) covers ambulance services with no copays or coinsurance, while transportation services are partially covered with no copays or coinsurance for unlimited one-way trips to plan-approved locations. Transportation to any other health-related location is not covered, and prior authorization is required for both services.
Emergency Services See details
Freedom Medi-Medi Full (HMO D-SNP) covers emergency and urgently needed services with no copay and no coinsurance. Worldwide emergency, urgent care, and emergency transportation services are also covered up to a $100,000 maximum lifetime benefit with no coinsurance and a $500 copay per service.
Primary Care See details
Primary care benefits are covered by Freedom Medi-Medi Full (HMO D-SNP) with no copay and no coinsurance for PCP visits, specialist services, therapy, and mental health care. While some chiropractic services are covered, routine and other chiropractic services are not covered, and podiatry services are not covered.
Preventive Services See details
Freedom Medi-Medi Full (HMO D-SNP) offers partial coverage for preventive services with no copay and no coinsurance for all covered care, including Medicare-covered preventive services, kidney disease education, and select supplemental benefits. However, several services are not covered under this plan, including annual physical exams, health education, in-home safety assessments, and medical nutrition therapy.
Hearing Services See details
Freedom Medi-Medi Full (HMO D-SNP) covers routine hearing exams, fitting evaluations, and prescription hearing aids with no copays and no coinsurance, providing up to $1,000 per ear annually. This benefit is partially covered, as OTC hearing aids, along with inner ear, outer ear, and over-the-ear prescription hearing aids, are not covered.
Vision Services See details
Vision services are partially covered under the Freedom Medi-Medi Full (HMO D-SNP) plan, offering one routine eye exam and one pair of eyeglasses or contact lenses per year with no copay and no coinsurance up to a $400 limit. Other eye exam services, individual eyeglass lenses, and individual eyeglass frames are not covered, and eyewear upgrades carry a $30 copay.
Dental Services See details
Freedom Medi-Medi Full (HMO D-SNP) dental services are partially covered with no copay and no coinsurance for all covered preventive and comprehensive treatments. Sub-services that are not covered under this plan include other diagnostic services, other preventive services, adjunctive general services, endodontics, maxillofacial prosthetics, implant services, fixed prosthodontics, and orthodontics.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by Freedom Medi-Medi Full (HMO D-SNP) with no copay and no coinsurance, although prior authorization is required. This coverage includes Medicare Part B insulin, chemotherapy, radiation, and other Part B drugs, all of which are provided with no copayments and no coinsurance.
Dialysis Services See details
Dialysis services are covered by Freedom Medi-Medi Full (HMO D-SNP) with no copay and no coinsurance.
Medical Equipment See details
Freedom Medi-Medi Full (HMO D-SNP) covers medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic supplies, with no copay and no coinsurance. Prior authorization is required for these covered items.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Freedom Medi-Medi Full (HMO D-SNP) with no copay and no coinsurance. Covered services include lab tests, diagnostic procedures, X-rays, and therapeutic radiology, though prior authorization and referrals are required.
Home Health Services See details
Freedom Medi-Medi Full (HMO D-SNP) covers Home Health Services with no copay and no coinsurance. Prior authorization and a referral are required to access these services.
Cardiac Rehabilitation Services See details
Freedom Medi-Medi Full (HMO D-SNP) covers some cardiac rehabilitation services with no copay and no coinsurance, though prior authorization and referrals are required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Freedom Medi-Medi Full (HMO D-SNP) covers Skilled Nursing Facility (SNF) services for days 1 through 100 per stay with no copay and no coinsurance. Prior authorization and referrals are required, and while a prior three-day inpatient hospital stay is not required, additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Freedom Medi-Medi Full (HMO D-SNP) provides partial coverage for other services, which includes over-the-counter (OTC) items up to $130 monthly and chronic illness meal benefits, both with no copay and no coinsurance. Acupuncture is not covered under this plan.
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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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