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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 2025, 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 out of 5 stars in 2025.
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 $590.00 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) plan has a $590 deductible for prescription drugs. During the initial coverage phase, after meeting the deductible, you will pay 25% coinsurance for preferred generic, standard generic, and preferred brand drugs at standard and mail order pharmacies. Non-preferred drugs have no copay at both standard and mail order pharmacies. Once your total drug costs reach $2000, you enter the catastrophic coverage phase, where you will pay nothing for covered Part D drugs. However, you may still pay a share of the costs for excluded drugs covered under any enhanced benefit.
Additional Benefits
The Freedom Medi-Medi Full (HMO D-SNP) plan offers comprehensive coverage with no copays for many services. This includes inpatient hospital stays, outpatient services, partial hospitalization, ambulance and transportation services, emergency services, primary care, preventive services, hearing exams, vision services, dental services, home infusion, dialysis, medical equipment, diagnostic and radiological services, home health services, and other services like OTC items and meal benefits. Prescription hearing aids are covered up to $1,000 per year, and there is a combined maximum of $400 for eyewear every year. The plan also covers a variety of therapies and services, such as physical therapy, speech-language pathology, and opioid treatment programs, all with no copay. However, some services like additional hospital days, routine chiropractic care, and certain types of hearing aids are not covered. Worldwide emergency services have a $500 copay, with a maximum benefit of $100,000.
Inpatient Hospital See details
Inpatient Hospital benefits, including Acute and Psychiatric, are covered under the Freedom Medi-Medi Full (HMO D-SNP) plan. There is no copay for a Medicare-covered stay, but additional days, non-Medicare-covered stays, and upgrades for both Acute and Psychiatric inpatient hospital services are not covered.
Outpatient Services See details
Outpatient services, including all outpatient hospital services, observation services, ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services, are covered by the Freedom Medi-Medi Full (HMO D-SNP) plan. There is no copay for outpatient hospital services, observation services, ambulatory surgical center services, or outpatient blood services, and there is no copay for individual or group sessions for outpatient substance abuse.
Partial Hospitalization See details
Partial Hospitalization is covered by the Freedom Medi-Medi Full (HMO D-SNP) plan, requiring prior authorization and a doctor referral. There is no copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required. Ground and Air Ambulance Services have no coinsurance, but may have a copay, and Transportation Services to a plan-approved health-related location are covered with no copay. 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 by the Freedom Medi-Medi Full (HMO D-SNP) plan. Emergency Services and Urgently Needed Services have no copay and no coinsurance. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation each have a $500 copay, and the plan has a maximum benefit coverage of $100,000 for Worldwide Emergency Services.
Primary Care See details
The Freedom Medi-Medi Full (HMO D-SNP) plan covers primary care physician services, chiropractic services, occupational therapy services, physician specialist services, mental health specialty services, other health care professional services, psychiatric services, physical therapy, and speech-language pathology services, additional telehealth benefits, and opioid treatment program services. Primary care physician services, chiropractic services, physician specialist services, physical therapy, and speech-language pathology services, and individual and group sessions for mental health and psychiatric services have no copay, and occupational therapy services, other health care professional services, and opioid treatment program services have a $0 copay. Routine chiropractic care and podiatry services are not covered.
Preventive Services See details
Preventive services are covered, but annual physical exams, health education, in-home safety assessments, medical nutrition therapy, post-discharge in-home medication reconciliation, re-admission prevention, wigs for hair loss related to chemotherapy, 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, and telemonitoring services are not covered. Medicare-covered zero-dollar preventive services, kidney disease education, and other preventive services such as glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following a Welcome Visit have no copay. Personal Emergency Response System, fitness benefits, remote access technologies, and home and bathroom safety devices and modifications are covered with no copay.
Hearing Services See details
Freedom Medi-Medi Full (HMO D-SNP) covers hearing exams with no copay, routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered up to $1,000 per year, and prescription hearing aids (all types) have no copay. However, prescription hearing aids - inner ear, outer ear, and over the ear, and OTC hearing aids are not covered.
Vision Services See details
Vision Services include eye exams and eyewear coverage. Eye exams and eyewear have no copay, and there is a combined maximum of $400 for eyewear every year.
Dental Services See details
Dental services include oral exams, dental x-rays, cleanings, fluoride treatments, periodontics, prosthodontics, and oral and maxillofacial surgery, all with no copay. Adjunctive general services, endodontics, maxillofacial prosthetics, implant services, prosthodontics, 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 and Medicare Part B Chemotherapy/Radiation Drugs have no copay. Other Medicare Part B Drugs have a minimum and maximum copay of $0.00.
Dialysis Services See details
Dialysis Services are covered under the Freedom Medi-Medi Full (HMO D-SNP) plan with no copay. There is also no coinsurance.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment, Prosthetics/Medical Supplies, and Diabetic Equipment. Durable Medical Equipment has no coinsurance and no copay, but Durable Medical Equipment for use outside the home is not covered. Prosthetic Devices and Medical Supplies have no coinsurance and no copay. Diabetic Equipment has no coinsurance, and Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts have no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services, including all diagnostic services, lab services, and radiological services, are covered. Diagnostic Procedures/Tests, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services have no copay, while lab services have no copay.
Home Health Services See details
Home Health Services are covered by the Freedom Medi-Medi Full (HMO D-SNP) plan with no copay and no coinsurance, but Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services. A doctor's referral and prior authorization are required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, but additional days beyond Medicare-covered and non-Medicare-covered stays are not covered. A doctor referral and prior authorization are required for SNF services; however, the copay information is not available.
Other Services See details
Other Services includes Over-the-Counter (OTC) Items and Meal Benefits, with OTC items covered with no copay and Meal Benefits covered with no copay. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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