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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 2026, 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 4.5 out of 5 stars in 2026.
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 $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 VIP Rewards (HMO C-SNP) plan features a $0 drug deductible, meaning your prescription coverage begins immediately. Under this plan, you will pay no copay for Tier 1 preferred generic drugs for up to a three-month supply at preferred, standard, or standard mail-order pharmacies. For Tier 2 preferred brand drugs, copays start at $30 for a one-month supply, with savings available on three-month supplies ordered through standard mail order for $60. Tier 3 non-preferred drugs require a copay starting at $65 for a one-month supply at preferred pharmacies, while Tier 4 specialty drugs require a 33% coinsurance. Additionally, Tier 5 select diabetic drugs are highly affordable, with a low $10 copay for a one-month supply at both preferred and standard pharmacies. Standard mail-order options also provide cost savings for multi-month supplies of Tier 3 and Tier 5 medications.
Additional Benefits
The Freedom VIP Rewards (HMO C-SNP) plan offers comprehensive medical coverage with no copay for primary care physician visits and a low $10 copay for specialist appointments. For hospital care, inpatient stays feature a $75 daily copay for days 1 through 5 followed by no copay for days 6 through 90, while outpatient hospital services carry a $95 copay. Emergency room visits require a $150 copay, which is waived upon admission, and urgent care services are available with a $10 copay. Beyond standard medical care, this plan provides essential everyday benefits including routine dental, vision, and hearing exams with no copay or coinsurance. Members also benefit from a $150 yearly eyewear allowance and up to $750 per ear annually for prescription hearing aids with no copay. To support overall wellness, the plan includes an $80 monthly allowance for over-the-counter items and up to 20 one-way trips per year to plan-approved locations with no copay.
Inpatient Hospital See details
Freedom VIP Rewards (HMO C-SNP) inpatient hospital care is covered with no coinsurance and a $75 daily copay for days 1 to 5, followed by no copay for days 6 to 90. The benefit is partially covered because additional days, upgrades, and non-Medicare-covered stays are not covered, and prior authorization and referrals are required.
Outpatient Services See details
Freedom VIP Rewards (HMO C-SNP) covers outpatient hospital and observation services with a $95 copay and no coinsurance, and ambulatory surgical center services with a $50 copay and no coinsurance. Outpatient substance abuse services have no coinsurance and a copay ranging from $10 to $95, while outpatient blood services are covered with no copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by Freedom VIP Rewards (HMO C-SNP) 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
Freedom VIP Rewards (HMO C-SNP) covers ground ambulance services with a $200 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay. Transportation benefits are partially covered, offering up to 20 one-way trips per year to plan-approved locations with no copay and no coinsurance, while rides to any health-related location are not covered.
Emergency Services See details
Freedom VIP Rewards (HMO C-SNP) 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 care, and emergency transportation services are also covered up to a $100,000 maximum benefit with a $500 copay per service and no coinsurance.
Primary Care See details
Freedom VIP Rewards (HMO C-SNP) offers primary care physician services with no copay and no coinsurance, while specialist visits, therapy services, and mental health specialty visits require a $10 copay and no coinsurance. Chiropractic and podiatry services are not covered under this plan, but telehealth is included, and opioid treatment program services feature a copay ranging from no copay up to $95 with no coinsurance.
Preventive Services See details
Freedom VIP Rewards (HMO C-SNP) partially covers preventive services, offering covered options like Medicare-covered zero-dollar preventive services, kidney disease education, and memory fitness with no copay and no coinsurance. However, several sub-services are not covered, including annual physical exams, health education, in-home safety assessments, medical nutrition therapy, weight management programs, and therapeutic massage.
Hearing Services See details
Hearing services are covered by Freedom VIP Rewards (HMO C-SNP) with no copay or coinsurance for routine exams and fitting evaluations. Prescription hearing aids are partially covered with no copay or coinsurance up to $750 per ear yearly, but OTC hearing aids and inner ear, outer ear, or over-the-ear prescription models are not covered.
Vision Services See details
Freedom VIP Rewards (HMO C-SNP) provides partially covered vision services with no copay and no coinsurance for annual routine eye exams and select eyewear up to a $150 yearly limit. While contact lenses and complete eyeglasses are covered with no copay and no coinsurance, other eye exams, standalone lenses, and standalone frames are not covered, though upgrades are available for a $30 copay and no coinsurance.
Dental Services See details
Freedom VIP Rewards (HMO C-SNP) offers partially covered dental services with no copay and no coinsurance for covered benefits, including oral exams, cleanings, x-rays, fluoride, restorative care, periodontics, removable prosthodontics, and oral surgery. Sub-services not covered under this plan include other diagnostic and preventive services, adjunctive general services, endodontics, implants, maxillofacial prosthetics, fixed prosthodontics, and orthodontics.
Home Infusion bundled Services See details
Freedom VIP Rewards (HMO C-SNP) covers home infusion bundled services with no copay, although prior authorization is required. Medicare Part B insulin drugs have a $35 copay and no coinsurance, while Medicare Part B chemotherapy, radiation, and other drugs require 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by Freedom VIP Rewards (HMO C-SNP) with no copay and a 20% coinsurance.
Medical Equipment See details
Freedom VIP Rewards (HMO C-SNP) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Covered diabetic equipment, supplies, and therapeutic shoes or inserts are available with no copay and no coinsurance.
Diagnostic and Radiological Services See details
Freedom VIP Rewards (HMO C-SNP) covers diagnostic and radiological services, requiring referrals and prior authorization for all services. Lab services and outpatient X-rays feature no copay, while other diagnostic procedures and radiological services carry copayments up to $95 and a 20% coinsurance for select treatments.
Home Health Services See details
Freedom VIP Rewards (HMO C-SNP) 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
Cardiac Rehabilitation Services are covered by Freedom VIP Rewards (HMO C-SNP) with no coinsurance, and although some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered and require a $10 copay.
Skilled Nursing Facility (SNF) See details
Freedom VIP Rewards (HMO C-SNP) covers skilled nursing facility (SNF) care with no coinsurance, featuring no copay for days 1 through 20 and a $218 copay for days 21 through 100. Prior authorization and referrals are required, and the plan does not cover additional days beyond the standard Medicare-covered limit.
Other Services See details
Freedom VIP Rewards (HMO C-SNP) offers partially covered other services, providing over-the-counter (OTC) items with an $80 monthly limit and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and the meal benefit requires a referral and prior authorization.
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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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