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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 FL. 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 $2000.00 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) offers prescription drug coverage with a $0 drug deductible, meaning your benefits begin immediately without any out-of-pocket deductible requirements. Tier 1 preferred generic drugs feature no copay for one-, two-, or three-month supplies at preferred, standard, and standard mail-order pharmacies. For Tier 2 preferred brand drugs, you will pay a $30 copay for a one-month supply, with standard mail order offering a cost-saving $60 copay for a three-month supply. Tier 3 non-preferred drugs require a $75 copay for a one-month supply at preferred pharmacies and standard mail order, while standard retail pharmacies charge an $80 copay. Specialty drugs under Tier 4 are subject to a 33% coinsurance for a one-month supply at all standard, preferred, and mail-order locations. This plan provides structured copayments and mail-order savings to help you manage your prescription medication costs effectively.
Additional Benefits
The Freedom Platinum Plan Rx (HMO) offers comprehensive healthcare coverage with no copays or coinsurance for primary care, specialist visits, and preventive services. For inpatient hospital stays, members pay a $25 daily copay for the first seven days and no copay for days 8 through 90. Outpatient hospital services feature a $100 copay, while emergency room visits require a $150 copay that is waived upon admission. This plan also includes valuable supplemental benefits with no copay or coinsurance, including routine dental care, annual eye exams with a $300 eyewear allowance, and routine hearing exams. Additionally, members can access up to 12 one-way transportation trips per year and an $80 monthly allowance for over-the-counter items with no copays.
Inpatient Hospital See details
Freedom Platinum Plan Rx (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $25 daily copay for days 1 through 7 and no copay for days 8 through 90. This benefit is partially covered, as additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Freedom Platinum Plan Rx (HMO) covers outpatient services with no coinsurance, featuring a $100 copay for outpatient hospital and observation services and a $25 copay for ambulatory surgical center services. Outpatient substance abuse sessions have a copay ranging from $0 to $100 with no coinsurance, while outpatient blood services are covered with no copay 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 services are partially covered, offering up to 12 one-way trips per year to plan-approved locations with no copay or coinsurance, though 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 and no coinsurance, which is waived if you are admitted to the hospital within 72 hours. Urgently needed services require a $10 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered up to a $100,000 maximum with a $500 copay per service and no coinsurance.
Primary Care See details
Freedom Platinum Plan Rx (HMO) features no copays and no coinsurance for primary care, specialists, mental health, and physical, occupational, and speech therapies, though prior authorization and referrals are required. Opioid treatment services are covered with no coinsurance and a copay ranging from $0 to $100, while podiatry and chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by the Freedom Platinum Plan Rx (HMO) with no copays and no coinsurance for covered services like kidney disease education, glaucoma screenings, diabetes training, remote access, and a memory fitness benefit up to $500 annually. However, several services are not covered, including annual physical exams, health education, in-home safety assessments, and personal emergency response systems.
Hearing Services See details
Freedom Platinum Plan Rx (HMO) covers routine hearing exams and fitting evaluations with no copay or coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance up to $750 per ear annually, but OTC hearing aids and inner ear, outer ear, and over the ear prescription aids are not covered.
Vision Services See details
Freedom Platinum Plan Rx (HMO) offers partially covered vision services with no deductible, no copay, and no coinsurance for annual routine eye exams and covered eyewear, which has a $300 yearly limit. Other eye exam services, eyeglass lenses, and eyeglass frames are not covered, although eyewear upgrades are available with a $30 copay and no coinsurance.
Dental Services See details
Dental services are partially covered by the Freedom Platinum Plan Rx (HMO) with no copay and no coinsurance for covered benefits such as oral exams, cleanings, fluoride, x-rays, 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 Platinum Plan Rx (HMO) covers home infusion bundled services with no copay, though prior authorization is required. Under this plan, Medicare Part B insulin drugs have a $35 copay and no coinsurance, while Part B chemotherapy, radiation, and other drugs require no copay and a coinsurance between 0% and 20%.
Dialysis Services See details
Freedom Platinum Plan Rx (HMO) covers Dialysis Services with no copay and a 20% coinsurance.
Medical Equipment See details
Medical equipment is covered under the Freedom Platinum Plan Rx (HMO) with no copay, though prior authorization is required. Covered durable medical equipment, prosthetics, and diabetic shoes carry a 20% coinsurance, while diabetic supplies range from no coinsurance up 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. Lab services and outpatient X-rays have no copay but require coinsurance, while diagnostic tests range from no copay up to $100 with a minimum 20% coinsurance. Diagnostic radiological services have a minimum $25 copay and no coinsurance, whereas therapeutic radiological services require a copay and a minimum 20% coinsurance.
Home Health Services See details
Home health services are covered by the Freedom Platinum Plan Rx (HMO) with no copay and no coinsurance. Both prior authorization and a referral are required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by the Freedom Platinum Plan Rx (HMO) with no copay and no coinsurance, though in practice, some services are covered but cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation are not covered. Prior authorization and referrals are required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Freedom Platinum Plan Rx (HMO) with no coinsurance, featuring no copay for days 1 through 20 and a $218 copay for days 21 through 100. Prior authorization and referrals are required, but a prior three-day inpatient hospital stay is not.
Other Services See details
Freedom Platinum Plan Rx (HMO) partially covers other services, offering over-the-counter (OTC) items up to $80 per month and a chronic illness meal benefit with no copay and no coinsurance. Acupuncture is not covered under this plan.
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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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