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Freedom VIP Rewards (HMO C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Freedom VIP Rewards (HMO C-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Freedom VIP Rewards (HMO C-SNP) in 2025, please refer to our full plan details page.
Freedom VIP Rewards (HMO C-SNP) is a HMO C-SNP 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 VIP Rewards (HMO C-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Freedom VIP Rewards (HMO C-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Freedom VIP Rewards (HMO C-SNP).
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 VIP Rewards (HMO C-SNP), 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 $174.70. 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 VIP Rewards (HMO C-SNP) plan has an enhanced alternative drug benefit. There is no deductible for prescription drugs. During the initial coverage phase, you will pay a copay for your drugs. For preferred generic drugs, you will pay a $30 copay. For standard generic drugs, you will pay a $65 copay at a preferred pharmacy or $70 at a standard pharmacy. For preferred brand drugs, you will pay 33% coinsurance.
Additional Benefits
The Freedom VIP Rewards (HMO C-SNP) plan offers a range of benefits with varying costs. Inpatient hospital stays have a $75 copay for days 1-5, and then no copay for days 6-90. Outpatient services have copays that range from $0 to $95, while emergency services have a $120 copay. This plan includes coverage for primary care with no copay, along with hearing and vision services. The plan also has a $30 copay for upgrades to vision. Dental services are covered with no copay. Additionally, the plan covers home infusion, medical equipment, and home health services, with varying cost-sharing structures.
Inpatient Hospital See details
Inpatient Hospital benefits, including acute and psychiatric care, are covered with a $75 copay for days 1-5, and no copay for days 6-90. Additional days and non-Medicare covered stays are not covered.
Outpatient Services See details
Outpatient Services are covered, including 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 $95 copay, ASC services have a $50 copay, outpatient substance abuse individual and group sessions have a copay between $10 and $95, and outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the Freedom VIP Rewards (HMO C-SNP) plan with a $55 copay, and requires prior authorization and a doctor referral.
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 a 20% coinsurance. Transportation Services to a plan-approved health-related location are covered with no copay, for up to 20 one-way trips per year, and transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under the Freedom VIP Rewards (HMO C-SNP) plan. Emergency Services have a $120 copay, Urgently Needed Services have a $10 copay, and Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation each have a $500 copay.
Primary Care See details
The Freedom VIP Rewards (HMO C-SNP) plan covers primary care physician services with no copay. Chiropractic services, occupational therapy services, physician specialist services, mental health specialty services, physical therapy and speech-language pathology services, and psychiatric services have a $10 copay. Other Health Care Professional services have a copay between $0 and $10. Opioid Treatment Program Services have a copay between $0 and $95. Podiatry services are not covered.
Preventive Services See details
The Freedom VIP Rewards (HMO C-SNP) plan covers Medicare-covered preventive services with no copay, and it also covers additional preventive services with no copay for services like Personal Emergency Response Systems, Fitness Benefit, Remote Access Technologies, Home and Bathroom Safety Devices, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit. Annual physical exams, Health Education, In-Home Safety Assessment, Medical Nutrition Therapy, Post discharge In-Home Medication Reconciliation, Re-admission Prevention, Wigs for Hair Loss Related to Chemotherapy, Weight Management Programs, Alternative Therapies, Therapeutic Massage, Adult Day Health Services, Nutritional/Dietary Benefit, Home-Based Palliative Care, In-Home Support Services, Support for Caregivers of Enrollees, Additional Sessions of Smoking and Tobacco Cessation Counseling, Enhanced Disease Management, and Telemonitoring Services are not covered.
Hearing Services See details
The Freedom VIP Rewards (HMO C-SNP) plan covers hearing exams with no copay, including routine hearing exams and fitting/evaluation for hearing aids with no copay for one visit per year. Prescription hearing aids are covered up to $750 per year, with no copay for prescription hearing aids (all types) for two visits per year; however, prescription hearing aids - inner ear, outer ear, and over the ear are not covered, and OTC hearing aids are not covered.
Vision Services See details
Vision services include eye exams and eyewear, with no copay for exams and a $30 copay for upgrades. Contact lenses and eyeglasses (lenses and frames) are covered with no copay, with a combined maximum of $300 per year for eyewear. Eyeglass lenses and frames are not covered.
Dental Services See details
Dental services include oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatment, periodontics, prosthodontics (removable), and oral and maxillofacial surgery, all with no copay. Adjunctive general services, endodontics, maxillofacial prosthetics, implant services, prosthodontics (fixed), 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, Medicare Part B Chemotherapy/Radiation Drugs with 0-20% coinsurance, and Other Medicare Part B Drugs with 0-20% coinsurance. Prior authorization is required for this benefit.
Dialysis Services See details
Dialysis Services are covered under the Freedom VIP Rewards (HMO C-SNP) plan. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment, is covered by the Freedom VIP Rewards (HMO C-SNP) plan. DME has a 20% coinsurance with no copay, and some services require authorization. Prosthetics/Medical Supplies, including Medicare-covered Prosthetic Devices and Medical Supplies, have a 20% coinsurance with no copay. Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts have no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services, including Diagnostic Procedures/Tests, Lab Services, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services, are covered. Diagnostic Procedures/Tests have a copay of up to $95 and a coinsurance of at most 20%, while Lab Services have no copay. Diagnostic Radiological Services have a copay of up to $95, and Therapeutic Radiological Services have a coinsurance of at most 20%. Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered by the Freedom VIP Rewards (HMO C-SNP) plan 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 VIP Rewards (HMO C-SNP) plan. Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Freedom VIP Rewards (HMO C-SNP) plan, requiring prior authorization and a doctor's referral. You will have no copay for days 1-20, and a $172 copay for days 21-100. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
The Freedom VIP Rewards (HMO C-SNP) plan covers Over-the-Counter (OTC) items with no copay, and a maximum benefit coverage amount of $85.00 every month. The plan also covers a Meal Benefit with no copay, but requires prior authorization and a doctor referral. Other services like acupuncture, and several other services are not covered.
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