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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 2025, 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 out of 5 stars in 2025.
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 $1500.00 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) 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 varying depending on the pharmacy. For preferred generic drugs, the copay is $30, and for standard generic drugs, the copay is $75-$80. For preferred brand drugs, you pay 33% coinsurance. Once your total drug costs reach $2,000, you enter the next coverage phase.
Additional Benefits
The Freedom Platinum Plan Rx (HMO) offers a range of benefits, including inpatient hospital stays with an $85 copay for the first seven days, outpatient services with copays ranging from $0 to $100, and no copays for primary care physician visits. The plan also covers emergency services, ambulance services, and home health services with varying copays and coinsurance. Additional benefits include coverage for hearing and vision services, with no copays for eye exams, eyewear, hearing exams, and hearing aid fittings. Dental services, durable medical equipment, and diagnostic services are also covered, as are home infusion services and dialysis services.
Inpatient Hospital See details
The Freedom Platinum Plan Rx (HMO) covers inpatient hospital stays, including acute and psychiatric care, with a copay of $85 for days 1-7 and no copay for days 8-90. Additional days and non-Medicare-covered stays for both acute and psychiatric care are not covered.
Outpatient Services See details
Outpatient Services include coverage for Outpatient Hospital Services with a $100 copay, Observation Services with a $100 copay, Ambulatory Surgical Center (ASC) Services with a $25 copay, and Outpatient Substance Abuse Services with a copay between $15 and $100 for individual and group sessions. Outpatient Blood Services are covered with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered under the Freedom Platinum Plan Rx (HMO) with a $55 copay, but requires prior authorization and a doctor referral.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Freedom Platinum Plan Rx (HMO). Ground ambulance services have a $200 copay, while air ambulance services have a 20% coinsurance, and transportation services to a plan-approved health-related location have no copay for 12 one-way trips per year.
Emergency Services See details
Emergency Services, Urgently Needed Services, Worldwide Emergency Services, Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation are covered by the Freedom Platinum Plan Rx (HMO). Emergency Services have a $120 copay, and Urgently Needed Services have a $10 copay, while Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation each have a $500 copay.
Primary Care See details
The Freedom Platinum Plan Rx (HMO) covers primary care physician services with no copay. Chiropractic services, occupational therapy services, physician specialist services, mental health specialty services, psychiatric services, physical therapy and speech-language pathology services all have a $15 copay. Other health care professional services have a copay between $0 and $15, and opioid treatment program services have a copay between $0 and $100. Podiatry services are not covered.
Preventive Services See details
The Freedom Platinum Plan Rx (HMO) covers preventive services, including Medicare-covered services with no copay, and additional preventive services. Annual physical exams, health education, in-home safety assessments, personal emergency response systems (PERS), medical nutrition therapy (MNT), 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. Fitness benefits and remote access technologies (including web/phone-based technologies and nursing hotline) are covered with no copay, as are glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following a Welcome Visit.
Hearing Services See details
Hearing Services includes hearing exams, routine hearing exams, and fitting/evaluation for hearing aids with no copay, and prescription hearing aids with a maximum benefit of $750 per year, but does not cover prescription hearing aids for the inner ear, outer ear, or over the ear, nor does it cover OTC hearing aids. Routine hearing exams and fitting/evaluation for hearing aids are limited to one visit per year.
Vision Services See details
Vision services include eye exams and eyewear. Eye exams and eyewear have no copay, and routine eye exams are covered once per year. Contact lenses and eyeglasses (lenses and frames) are covered once per year with no copay, and eyewear upgrades have a $30 copay. However, eyeglass lenses and eyeglass frames are not covered.
Dental Services See details
The Freedom Platinum Plan Rx (HMO) covers dental services with no copay for oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatment, periodontics, and oral and maxillofacial surgery. 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, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs. Medicare Part B Insulin Drugs have a $35 copay, while 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 under the Freedom Platinum Plan Rx (HMO) plan, with a coinsurance of 20%.
Medical Equipment See details
Medical Equipment benefits include coverage for Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance and requires prior authorization, while Durable Medical Equipment for use outside the home is not covered. Prosthetics/Medical Supplies have a 20% coinsurance, and Medical Supplies have a 20% coinsurance. Diabetic Supplies have a coinsurance between 0% and 20%, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Freedom Platinum Plan Rx (HMO), including diagnostic procedures and tests with a copay of up to $100 and at least 20% coinsurance, lab services with no copay, and diagnostic radiological services with a copay of at least $25 and at most $100. Therapeutic Radiological Services have at least 20% coinsurance, while outpatient X-Ray services have no copay.
Home Health Services See details
Home Health Services are covered by the Freedom Platinum Plan Rx (HMO) with no copay and no coinsurance, although additional hours of care and personal care services are not covered. Authorization and a referral are required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Freedom Platinum Plan Rx (HMO). Prior authorization and a doctor referral are required for Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Freedom Platinum Plan Rx (HMO), requiring prior authorization and a doctor referral. There is no copay for days 1-20, and 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 Platinum Plan Rx (HMO) covers Over-the-Counter (OTC) Items with no copay, and a maximum plan benefit coverage amount of $60.00 every month. 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. The plan also offers a meal benefit with no copay, but requires prior authorization and a doctor referral.
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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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