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Freedom Platinum Plan Rx (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Freedom Platinum Plan Rx (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Freedom Platinum Plan Rx (HMO) in 2026, please refer to our full plan details page.
Freedom Platinum Plan Rx (HMO) is a HMO 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 Platinum Plan Rx (HMO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Freedom Platinum Plan Rx (HMO).
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 Platinum Plan Rx (HMO), 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 no drug deductible. Your prescription medication coverage will start immediately.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $1750.00 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 Platinum Plan Rx (HMO) features a $0 prescription drug deductible, meaning your coverage begins immediately. Under this plan, you will enjoy no copay for Tier 1 preferred generic drugs for up to a three-month supply at both preferred and standard pharmacies. For Tier 2 preferred brand drugs, copays are $30 for a one-month supply, with cost-saving options available for multi-month supplies. Tier 3 non-preferred drugs require a copay starting at $75 for a one-month supply at preferred pharmacies and standard mail order, or $80 at standard retail pharmacies. Specialty medications in Tier 4 are subject to a 33% coinsurance for a one-month supply across standard, preferred, and mail-order pharmacies. This structured cost-sharing makes it easy to estimate your out-of-pocket prescription expenses.
Additional Benefits
The Freedom Platinum Plan Rx (HMO) offers comprehensive medical coverage with highly competitive cost-sharing, featuring no copay and no coinsurance for primary care visits, preventive services, and home health care. For inpatient hospital stays, members pay an $85 daily copay for days 1 through 7 and no copay for days 8 through 90. Outpatient hospital services require a $100 copay, while emergency room visits carry a $150 copay that is waived if admitted. Specialist visits and physical therapy require a $15 copay, while routine dental, vision, and hearing exams are covered with no copay and no coinsurance. Additionally, the plan includes extra benefits like a $60 monthly allowance for over-the-counter items and up to 12 one-way transportation trips per year with no copay or coinsurance. For specialized medical needs, durable medical equipment and dialysis services require a 20% coinsurance with no copay.
Inpatient Hospital See details
Freedom Platinum Plan Rx (HMO) partially covers inpatient acute and psychiatric hospital services with no coinsurance, requiring an $85 copay per day for days 1 through 7 and no copay for days 8 through 90. Prior authorization and referrals are required, while upgrades, additional days, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered under the Freedom Platinum Plan Rx (HMO) with no coinsurance, requiring a $100 copay for outpatient hospital and observation services and a $25 copay for ambulatory surgical center services. Outpatient substance abuse sessions carry a $15 to $100 copay with no coinsurance, while outpatient blood services have no copay, no deductible, and no coinsurance.
Partial Hospitalization See details
Freedom Platinum Plan Rx (HMO) covers partial hospitalization services 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
Freedom Platinum Plan Rx (HMO) covers ground ambulance services with a $200 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay. Transportation benefits are partially covered, providing up to 12 one-way trips per year to plan-approved health-related locations with no copay or coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
Freedom Platinum Plan Rx (HMO) covers emergency services with a $150 copay, which is waived if admitted to the hospital within 72 hours, and urgently needed services with a $10 copay, both with no coinsurance. Worldwide emergency, urgent care, and emergency transportation are also covered with a $500 copay per service and no coinsurance, up to a maximum plan benefit of $100,000.
Primary Care See details
Freedom Platinum Plan Rx (HMO) offers primary care physician services with no copay and no coinsurance, while specialists, physical therapy, occupational therapy, and mental health services require a $15 copay and no coinsurance. Opioid treatment services feature a $0 to $100 copay with no coinsurance, telehealth is covered, and chiropractic and podiatry services are not covered.
Preventive Services See details
Preventive Services are covered under the Freedom Platinum Plan Rx (HMO) with no copay and no coinsurance, though prior authorization and referrals are required for many services. The benefit is partially covered, excluding annual physical exams, health education, in-home safety assessments, and several other supplemental services.
Hearing Services See details
Freedom Platinum Plan Rx (HMO) features hearing services with no copay, no coinsurance, and no deductible for Medicare-covered exams, annual routine hearing exams, and fitting evaluations. Prescription hearing aids are partially covered with no copay or coinsurance up to $750 per ear annually, though OTC hearing aids and inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Vision Services are partially covered by the Freedom Platinum Plan Rx (HMO) with no copay and no coinsurance for annual routine eye exams and select eyewear, subject to a $150 annual limit. While complete eyeglasses and contact lenses are covered, other eye exams, individual eyeglass lenses, and individual eyeglass frames are not covered, and upgrades require a $30 copay.
Dental Services See details
Freedom Platinum Plan Rx (HMO) offers partially covered dental services with no copay and no coinsurance for covered benefits like oral exams, cleanings, x-rays, fluoride, restorative care, periodontics, and oral surgery. However, other diagnostic and preventive services, adjunctive general services, endodontics, prosthodontics, maxillofacial prosthetics, implants, and orthodontics are not covered.
Home Infusion bundled Services See details
Freedom Platinum Plan Rx (HMO) covers home infusion bundled services with no copay, though prior authorization is required. Medicare Part B insulin drugs have a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs require no copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Freedom Platinum Plan Rx (HMO) with no copay and a 20% coinsurance. This benefit ensures affordable access to vital dialysis treatments with clear and predictable out-of-pocket costs.
Medical Equipment See details
Freedom Platinum Plan Rx (HMO) covers medical equipment with no copay, though prior authorization is required. Durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts carry a 20% coinsurance, while diabetic supplies range from no coinsurance to 20% coinsurance.
Diagnostic and Radiological Services See details
Freedom Platinum Plan Rx (HMO) covers diagnostic and radiological services, requiring prior authorization and referrals for all services. Diagnostic procedures and tests range from no copay up to a $100 copay with a 20% coinsurance, while diagnostic radiology has a minimum $25 copay, therapeutic radiology has a 20% coinsurance, and both lab and outpatient X-ray services feature no copay but require coinsurance.
Home Health Services See details
Home Health Services are covered under the Freedom Platinum Plan Rx (HMO) with no copay and no coinsurance, although prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
Freedom Platinum Plan Rx (HMO) indicates some services are covered with no coinsurance and a $15 copay, but in practice, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
Freedom Platinum Plan Rx (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization and referrals are required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Freedom Platinum Plan Rx (HMO) partially covers other services, offering over-the-counter (OTC) items up to $60 monthly and meal benefits for chronic illnesses with no copay and no coinsurance. Acupuncture is not covered under this benefit, and meal benefits require prior authorization and a referral.
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Every year, Medicare evaluates plans based on a 5-star rating system.
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.
* 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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