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Freedom Platinum Rewards Plan Rx (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Freedom Platinum Rewards 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 Rewards Plan Rx (HMO) in 2026, please refer to our full plan details page.
Freedom Platinum Rewards 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 4.5 out of 5 stars in 2026.
It's important to know that Freedom Platinum Rewards 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 Rewards 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 Rewards 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. Additionally, this plan comes with a Part B Premium reduction of $185.00. You must continue to pay paying your reduced 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 $3400.00 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 Rewards Plan Rx (HMO) features a $0 drug deductible, meaning your prescription drug coverage begins immediately without any out-of-pocket deductible costs. For Tier 1 preferred generic drugs, you will pay no copay for a one-, two-, or three-month supply at preferred, standard, or standard mail-order pharmacies. Tier 2 preferred brand drugs are also highly affordable, requiring a $10 copay for a one-month supply at standard and preferred retail pharmacies, as well as standard mail-order. For Tier 3 non-preferred drugs, a one-month supply costs a $50 copay at preferred pharmacies and standard mail-order, or a $55 copay at standard retail pharmacies. High-cost Tier 4 specialty drugs require a 33% coinsurance for a one-month supply at all retail and standard mail-order pharmacies. Standard mail-order options also provide cost savings for extended fills, capping three-month Tier 2 supplies at a $20 copay and Tier 3 supplies at a $100 copay.
Additional Benefits
The Freedom Platinum Rewards Plan Rx (HMO) provides robust medical coverage with no copay or coinsurance for primary care visits and home health services. Inpatient hospital stays require a $195 daily copay for the first five days and no copay thereafter, while emergency services carry a $150 copay that is waived if you are admitted. Outpatient hospital services and specialist visits are also covered with predictable copays and no coinsurance. This plan also features valuable supplemental benefits, including dental, vision, and hearing care with no copays or coinsurance for covered routine services. Additionally, members receive a $500 annual fitness benefit, up to 20 one-way transportation trips, and a monthly $57 allowance for over-the-counter items with no copay. Durable medical equipment and dialysis services are covered with no copays and a standard 20% coinsurance.
Inpatient Hospital See details
Freedom Platinum Rewards Plan Rx (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a copay of $195 per day for days 1 through 5 and no copay for days 6 through 90. Prior authorization and referrals are required for these services, while upgrades, additional days, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by the Freedom Platinum Rewards Plan Rx (HMO) with no coinsurance, featuring a $195 copay for outpatient hospital and observation services and a $50 copay for ambulatory surgical center visits. Outpatient substance abuse sessions have a copay ranging from $20 to $195 with no coinsurance, while outpatient blood services are provided with no copay and no coinsurance.
Partial Hospitalization See details
Freedom Platinum Rewards Plan Rx (HMO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization and a referral are required for this benefit.
Ambulance and Transportation Services See details
Freedom Platinum Rewards 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 20 one-way trips per year to plan-approved locations with no copay or coinsurance, but transportation to any health-related location is not covered.
Emergency Services See details
Freedom Platinum Rewards 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 featuring no coinsurance. Worldwide emergency, urgent, and transportation services are also covered with a $500 copay per service and no coinsurance, up to a maximum plan benefit limit of $100,000.
Primary Care See details
Freedom Platinum Rewards Plan Rx (HMO) provides primary care physician services with no copay and no coinsurance, while specialist, therapy, and mental health services require a $20 copay and no coinsurance. Podiatry and routine chiropractic services are not covered, but other covered medical and telehealth benefits feature no coinsurance and copays ranging up to $195.
Preventive Services See details
Preventive Services under the Freedom Platinum Rewards Plan Rx (HMO) are partially covered, offering Medicare-approved preventive care, kidney disease education, and select screenings with no copay and no coinsurance. While remote access and a fitness benefit of up to $500 annually are covered at no cost, annual physical exams and health education are not covered.
Hearing Services See details
Freedom Platinum Rewards Plan Rx (HMO) partially covers hearing services, offering routine exams, fitting evaluations, and prescription hearing aids with no copay and no coinsurance. While prescription hearing aids are covered up to $750 per ear annually, OTC hearing aids and inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
Freedom Platinum Rewards Plan Rx (HMO) offers partially covered vision services with no copay, no coinsurance, and no deductible for routine exams and select eyewear, up to a $300 annual maximum. Covered benefits include one routine eye exam and one pair of contact lenses or complete eyeglasses per year, though other eye exams, individual eyeglass lenses, and individual eyeglass frames are not covered, and upgrades require a $30 copay.
Dental Services See details
Dental services are partially covered by the Freedom Platinum Rewards 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 including other diagnostic and preventive services, endodontics, prosthodontics, implants, maxillofacial prosthetics, adjunctive general services, and orthodontics are not covered.
Home Infusion bundled Services See details
Freedom Platinum Rewards Plan Rx (HMO) covers Home Infusion bundled Services with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other Part B drugs have no copay and a 0% to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance.
Dialysis Services See details
Dialysis Services are covered by the Freedom Platinum Rewards Plan Rx (HMO) with no copay and a 20% coinsurance.
Medical Equipment See details
Medical equipment is covered by the Freedom Platinum Rewards Plan Rx (HMO) with no copays, though prior authorization is required. Durable medical equipment, prosthetics, medical supplies, 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 Rewards Plan Rx (HMO) covers diagnostic and radiological services, requiring prior authorizations and referrals. Lab and outpatient X-ray services feature no copay but require coinsurance, while diagnostic procedures carry a $0 to $195 copay and 20% coinsurance. Diagnostic radiological services require a minimum $25 copay with no coinsurance, and therapeutic radiological services require both a copay and 20% coinsurance.
Home Health Services See details
Freedom Platinum Rewards Plan Rx (HMO) covers Home Health Services with no copay and no coinsurance. Prior authorization and a referral are required to access this benefit.
Cardiac Rehabilitation Services See details
Freedom Platinum Rewards Plan Rx (HMO) covers some cardiac rehabilitation services with no coinsurance, although prior authorization and referrals are required. However, key sub-services including intensive cardiac, pulmonary, and SET for PAD rehabilitation are not covered and require a $20 copay.
Skilled Nursing Facility (SNF) See details
Freedom Platinum Rewards Plan Rx (HMO) partially covers Skilled Nursing Facility (SNF) services, with additional days beyond the Medicare-covered limit not covered. There is no coinsurance, no copay for days 1 through 20, and a $218 copay for days 21 through 100, though prior authorization and a referral are required.
Other Services See details
Freedom Platinum Rewards Plan Rx (HMO) provides partially covered other services, featuring over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Under this plan, acupuncture is not covered, and the OTC benefit provides up to $57 monthly for eligible items.
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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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