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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, allowing your benefits to start immediately. You will pay no copay for Tier 1 preferred generic medications, whether you use a preferred pharmacy, standard pharmacy, or standard mail order. Tier 2 preferred brand drugs carry a $30 copay for a one-month supply, which can be filled at standard or preferred pharmacies. For Tier 3 non-preferred drugs, the one-month copay is $75 at preferred pharmacies and standard mail order, or $80 at standard pharmacies. Tier 4 specialty tier drugs require a 33% coinsurance for a one-month supply at standard pharmacies, preferred pharmacies, and standard mail order. These tiered pricing structures help you understand your out-of-pocket costs for prescriptions under this Medicare Advantage plan.
Additional Benefits
The Freedom Platinum Plan Rx (HMO) offers comprehensive medical coverage with highly competitive cost-sharing options, including no copays and no coinsurance for primary care, specialist visits, and preventive services. For hospital stays, members pay a $40 daily copay for the first five days of inpatient care and no copay for days six through ninety. Outpatient hospital services require a $100 copay, while emergency room visits have a $150 copay that is waived if you are admitted. This plan also features strong supplemental coverage, offering routine dental, vision, and hearing services with no copays or coinsurance, alongside a monthly $60 over-the-counter allowance. Essential support services like home health care and up to twenty one-way trips to plan-approved locations are covered with no copay. For other medical needs, members can expect a standard twenty percent coinsurance for durable medical equipment and dialysis services, and a thirty-five dollar copay for Medicare Part B insulin.
Inpatient Hospital See details
Freedom Platinum Plan Rx (HMO) partially covers inpatient acute and psychiatric hospital services with no coinsurance, requiring a $40 daily copay for days 1 through 5 and no copay for days 6 through 90. Prior authorization and referrals are required, and 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 visits. Outpatient substance abuse sessions have copays ranging from no copay up to $100 with no coinsurance, while outpatient blood services require 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
Ambulance and transportation services are covered by the Freedom Platinum Plan Rx (HMO), featuring a $200 copay and no coinsurance for ground transport alongside a 20% coinsurance and no copay for air transport. Transportation services are partially covered, offering up to 20 one-way trips per year to plan-approved locations with no copay and no 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 and no coinsurance, with the copay waived if you are admitted to the hospital within 72 hours. Urgently needed services are covered with a $10 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered up to a maximum of $100,000 with a $500 copay and no coinsurance.
Primary Care See details
Freedom Platinum Plan Rx (HMO) covers primary care, specialist visits, therapy services, and mental health care with no copay and no coinsurance. While chiropractic and podiatry services are not covered, opioid treatment is covered with no coinsurance and a copay of up to $100.
Preventive Services See details
Freedom Platinum Plan Rx (HMO) partially covers preventive services with no copay and no coinsurance for covered benefits like Medicare-covered zero-dollar services, kidney disease education, glaucoma screenings, and memory fitness. However, an annual physical exam and several supplemental services—including health education, in-home safety assessments, personal emergency response systems, and nutritional/dietary benefits—are not covered.
Hearing Services See details
Hearing services are partially covered by the Freedom Platinum Plan Rx (HMO), featuring no copay and no coinsurance for yearly routine exams, fitting evaluations, and prescription hearing aids up to $750 per ear. However, OTC hearing aids along with inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Freedom Platinum Plan Rx (HMO) partially covers vision services with no deductible, featuring no copay and no coinsurance for annual routine eye exams and select eyewear up to a $300 annual limit. Other eye exam services, eyeglass lenses, and eyeglass frames are not covered, but eyewear upgrades are available for a $30 copay and no coinsurance.
Dental Services See details
Freedom Platinum Plan Rx (HMO) offers partially covered dental services with no copay and no coinsurance for covered care, including oral exams, cleanings, fluoride, restorative services, periodontics, and oral surgery. Sub-services that are not covered under this plan include other diagnostic, other preventive, adjunctive general, endodontics, removable and fixed prosthodontics, maxillofacial prosthetics, implants, and orthodontics.
Home Infusion bundled Services See details
Home infusion bundled services are covered under the Freedom Platinum Plan Rx (HMO) with no copay, though prior authorization is required. Medicare Part B insulin is covered with a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B 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 medical equipment, including durable medical equipment, prosthetics, and diabetic equipment, with no copays and a 20% coinsurance for most items. Diabetic supplies range from no coinsurance up to a 20% coinsurance, and prior authorization is required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the Freedom Platinum Plan Rx (HMO), requiring prior authorization and referrals for all services. Outpatient X-rays and lab services feature no copay but require coinsurance, while diagnostic procedures and tests range from a $0 to $100 copay with 20% coinsurance. Diagnostic radiological services require a minimum $25 copay with no coinsurance, and therapeutic radiological services require a minimum 20% coinsurance plus a copay.
Home Health Services See details
Home health services are covered under the Freedom Platinum Plan Rx (HMO) with no copay and no coinsurance. 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 some services are covered but standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Freedom Platinum Plan Rx (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization and a referral. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other Services are partially covered by the Freedom Platinum Plan Rx (HMO), 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, and prior authorization or referrals are required for the meal benefits.
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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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