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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) features a $0 prescription drug deductible, allowing your pharmacy benefits to begin immediately with no upfront costs. For Tier 1 preferred generic drugs, you will enjoy no copay for one-month, two-month, or three-month supplies at preferred, standard, and standard mail-order pharmacies. Tier 2 preferred brand drugs are also budget-friendly, requiring a $10 copay for a one-month supply at retail pharmacies and standard mail-order. For Tier 3 non-preferred drugs, the one-month copay starts at $50 at preferred pharmacies and standard mail-order, or $55 at standard retail pharmacies. Tier 4 specialty medications require a 33% coinsurance for a one-month supply at all participating pharmacies. Choosing standard mail-order can offer additional savings on three-month supplies of Tier 2 and Tier 3 drugs.
Additional Benefits
The Freedom Platinum Plan Rx (HMO) features robust coverage for core medical needs, offering no copays for primary care visits, telehealth services, home health care, and preventive screenings. For more specialized care, members can expect low cost-sharing, such as a $10 copay for specialist visits and a $150 copay for emergency room visits. Inpatient hospital stays require a $60 daily copay for the first seven days, while skilled nursing facility stays have no copay for the first 20 days. This plan also highlights valuable supplemental benefits, featuring no copay or coinsurance for routine dental cleanings, annual eye exams, and routine hearing tests. Members benefit from generous allowances, including up to $750 per ear annually for prescription hearing aids, a $150 annual eyewear limit, and a $110 monthly over-the-counter item allowance. While many services feature no coinsurance, select services like dialysis and durable medical equipment require a 20% coinsurance.
Inpatient Hospital See details
Freedom Platinum Plan Rx (HMO) partially covers inpatient acute and psychiatric hospital services with no coinsurance, though prior authorization and referrals are required. Covered stays require a $60 daily copay for days 1 through 7 and no copay for days 8 through 90, while upgrades, additional days, 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 $150 copay per stay for outpatient hospital and observation services, a $25 copay for ambulatory surgical center services, and no copay for outpatient blood services. Outpatient substance abuse sessions are also covered with no coinsurance and copays ranging from $10 to $150, with prior authorization and referrals required for most of these services.
Partial Hospitalization See details
Partial hospitalization is covered by the Freedom Platinum Plan Rx (HMO) with a $55.00 copay and no coinsurance. Prior authorization and a referral are required to receive these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the Freedom Platinum Plan Rx (HMO), with ground ambulance requiring a $200 copay and coinsurance, and air ambulance requiring a copay and 20% coinsurance. Transportation services are partially covered with no copay and no coinsurance for up to 12 one-way trips per year to plan-approved locations, though trips to any health-related location are 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, and transportation services are also covered up to a $100,000 limit with a $500 copay and no coinsurance.
Primary Care See details
Freedom Platinum Plan Rx (HMO) offers primary care physician services and telehealth benefits with no copay and no coinsurance. Specialist visits, therapy services, mental health, and psychiatric sessions are covered with a $10 copay and no coinsurance, whereas chiropractic and podiatry services are not covered.
Preventive Services See details
Preventive services are partially covered by the Freedom Platinum Plan Rx (HMO), featuring no copay and no coinsurance for covered benefits like kidney disease education, glaucoma screenings, and diabetes self-management. However, several sub-services are not covered, including annual physical exams, health education, in-home safety assessments, personal emergency response systems, and weight management programs.
Hearing Services See details
Freedom Platinum Plan Rx (HMO) partially covers hearing services with no copay and no coinsurance for covered services, including annual routine hearing exams and fitting evaluations. While prescription hearing aids are covered up to $750 per ear annually with no copay or coinsurance, OTC hearing aids as well as inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by Freedom Platinum Plan Rx (HMO) with no copay, no coinsurance, and no deductible for annual routine eye exams and eyewear (one pair of eyeglasses or contact lenses per year) up to a $150 maximum benefit. Other eye exam services, separate eyeglass lenses, and separate eyeglass frames are not covered, but eyewear upgrades are available for a $30 copay.
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 like exams, cleanings, fluoride, X-rays, restorative care, periodontics, and oral surgery. However, other diagnostic, other preventive, adjunctive general, endodontics, removable and fixed 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. Under this benefit, Medicare Part B insulin drugs have a $35 copay and no coinsurance, while Part B chemotherapy and other drugs require no copay and a coinsurance of 0% to 20%.
Dialysis Services See details
Dialysis services are covered under the Freedom Platinum Plan Rx (HMO) with no copay and a 20% coinsurance.
Medical Equipment See details
Freedom Platinum Plan Rx (HMO) covers durable medical equipment, prosthetics, and diabetic services with no copay, subject to prior authorization. Members are responsible for a 20% coinsurance for most equipment and devices, though 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. Diagnostic procedures and tests carry a $0 to $150 copay and a minimum 20% coinsurance, while diagnostic radiological services require a minimum $25 copay. Lab services and outpatient X-rays have no copay, and 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. Prior authorization and a referral are required to receive this care.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered in practice under the Freedom Platinum Plan Rx (HMO) since all sub-services, including pulmonary and intensive cardiac rehabilitation, are not covered. While the plan technically lists no coinsurance and a $10 copay for these services, they are ultimately unavailable.
Skilled Nursing Facility (SNF) See details
Freedom Platinum Plan Rx (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, offering 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 Medicare-covered limit are not covered.
Other Services See details
Freedom Platinum Plan Rx (HMO) partially covers Other Services, providing over-the-counter (OTC) items up to $110 monthly and chronic illness meal benefits with no copay and no coinsurance. Acupuncture, dual-eligible SNP services, and other miscellaneous services are not covered.
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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.
* 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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