A non-government entity
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 FL. 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 $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:
Sign up for Freedom Platinum Plan Rx (HMO)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The Freedom Platinum Plan Rx (HMO) has an enhanced alternative drug benefit. This plan has a $0 deductible for prescription drugs. In the initial coverage phase, you will pay a copay for generic drugs, and coinsurance for preferred brand drugs. After your yearly out-of-pocket drug costs reach $2000.00, you will enter the catastrophic coverage phase, where you pay nothing for covered drugs.
Additional Benefits
The Freedom Platinum Plan Rx (HMO) offers a variety of benefits beyond standard Medicare coverage. Inpatient hospital stays have a $60 copay for the first seven days, and then no copay for the remainder of the stay, while outpatient services have copays that vary by service. Emergency services have a $120 copay, and primary care, preventive services, hearing exams, vision exams, and many dental services have no copay. The plan also includes coverage for ambulance services, with a $200 copay for ground ambulance and 20% coinsurance for air ambulance. Additionally, the plan covers home health services, OTC items, and transportation to health-related locations with no copay. Diagnostic and radiological services, medical equipment, and dialysis services have copays or coinsurance.
Inpatient Hospital See details
Inpatient hospital services, including acute and psychiatric care, are covered with a $60 copay for days 1-7, and no copay for days 8-90. Additional days and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services, observation services, ambulatory surgical center (ASC) services, outpatient substance abuse services, and outpatient blood services. Outpatient Hospital and Observation Services have a $150 copay, ASC services have a $25 copay, and outpatient blood services have no copay. Individual and group sessions for outpatient substance abuse have a copay between $10 and $150.
Partial Hospitalization See details
Partial Hospitalization is covered under the Freedom Platinum Plan Rx (HMO) with a $55 copay. Prior authorization and a doctor referral are required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required. Ground ambulance services have a $200 copay, while air ambulance services have 20% coinsurance. Transportation services to a plan-approved health-related location are covered with no copay, and include 12 one-way trips per year. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services are covered by the Freedom Platinum Plan Rx (HMO) with a $120 copay, and Urgently Needed Services have a $10 copay. Worldwide Emergency Services, Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation are also covered, each with a $500 copay, and a maximum plan benefit of $100,000.
Primary Care See details
The Freedom Platinum Plan Rx (HMO) covers Primary Care Physician Services with no copay, Chiropractic Services with a $10 copay, Occupational Therapy Services with a $10 copay, Physician Specialist Services with a $10 copay, Mental Health Specialty Services with a $10 copay for individual and group sessions, Physical Therapy and Speech-Language Pathology Services with a $10 copay, and Opioid Treatment Program Services with a copay between $0-$150. Podiatry Services are not covered.
Preventive Services See details
Preventive services include coverage for Medicare-covered services with no copay, additional preventive services, kidney disease education services, and other preventive services. Fitness benefits and remote access technologies also have no copay.
Hearing Services See details
Hearing exams, routine hearing exams, and fitting/evaluation for hearing aids are covered with no copay. Prescription hearing aids (all types) are covered with a $750 maximum plan benefit per year, and prescription hearing aids (inner ear, outer ear, and over the ear) are not covered. OTC hearing aids are not covered.
Vision Services See details
Vision services include eye exams and eyewear, and there is no copay for eye exams or eyewear. Eyeglass lenses and eyeglass frames are not covered, but upgrades have a $30 copay.
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, but with limitations on the number of visits. Adjunctive general services, endodontics, prosthodontics (removable, 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 with a $35 copay, and Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with 0-20% coinsurance. Prior authorization is required.
Dialysis Services See details
Dialysis services are covered by the Freedom Platinum Plan Rx (HMO) with a coinsurance of 20%.
Medical Equipment See details
The Freedom Platinum Plan Rx (HMO) covers medical equipment, including durable medical equipment, prosthetic devices, medical supplies, and diabetic equipment. Durable Medical Equipment has a 20% coinsurance, and Durable Medical Equipment for use outside the home is not covered. Prosthetic devices, and diabetic therapeutic shoes/inserts have a 20% coinsurance. Medical supplies also have a 20% coinsurance, and diabetic supplies have between 0% and 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Freedom Platinum Plan Rx (HMO). Diagnostic Procedures/Tests have a copay of up to $150 and a coinsurance of at least 20%, while Lab Services have no copay. Diagnostic Radiological Services have a copay of at least $25 and a maximum of $150, and Therapeutic Radiological Services have a coinsurance of at least 20%. Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered under the Freedom Platinum Plan Rx (HMO) with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the Freedom Platinum Plan Rx (HMO). Prior authorization and a doctor referral are required for coverage.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Freedom Platinum Plan Rx (HMO) with prior authorization and a doctor referral required. There is no copay for days 1-20, but there is 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 $65.00 per month, and meal benefits with no copay, but acupuncture, Dual Eligible SNPs with Highly Integrated Services, and several other services are not covered.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
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.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved