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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 FL. 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 one-, two-, or three-month supplies at preferred pharmacies, standard pharmacies, and standard mail-order services. Tier 2 preferred brand drugs are also highly affordable, requiring a copay of just $10 for a one-month supply at standard or preferred retail locations. For Tier 3 non-preferred drugs, the plan features a $50 copay for a one-month supply at preferred pharmacies and standard mail order, or a $55 copay at standard pharmacies. Tier 4 specialty medications require a 33% coinsurance for a one-month supply, which applies to preferred, standard, and standard mail-order pharmacies alike.
Additional Benefits
The Freedom Platinum Rewards Plan Rx (HMO) offers comprehensive healthcare coverage with no copay for primary care physician visits and a $15 copay for specialist visits. For hospital care, inpatient stays require a $195 daily copay for days one through five and no copay for days six through 90, while outpatient hospital services carry a $195 copay. Emergency room visits have a $150 copay that is waived if admitted within 72 hours, and urgent care services cost a low $10 copay. Members benefit from valuable everyday savings, including no copays or coinsurance for routine dental cleanings, annual eye exams, and routine hearing exams. The plan also covers up to $300 annually for eyewear, up to $750 per ear for prescription hearing aids, and provides a $65 monthly allowance for over-the-counter items. Home health services are covered with no copay, while durable medical equipment and dialysis services require a 20% coinsurance.
Inpatient Hospital See details
Freedom Platinum Rewards Plan Rx (HMO) partially covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $195 daily copay for days 1 to 5 and no copay for days 6 to 90. Prior authorization and referrals are required, while additional days, non-Medicare-covered stays, and upgrades are not covered.
Outpatient Services See details
Freedom Platinum Rewards Plan Rx (HMO) covers outpatient hospital and observation services with a $195 copay and no coinsurance, and ambulatory surgical center services with a $25 copay and no coinsurance. Outpatient substance abuse sessions carry a $15 to $195 copay with no coinsurance, while outpatient blood services are covered with no copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by the Freedom Platinum Rewards Plan Rx (HMO) with a $55.00 copay and no coinsurance. Prior authorization and a referral are required to access these services.
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 with no copay or coinsurance for up to 20 one-way trips per year to plan-approved locations, though trips to any health-related location are not covered.
Emergency Services See details
Freedom Platinum Rewards 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 have a $10 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered up to a $100,000 maximum limit with a $500 copay and no coinsurance per service.
Primary Care See details
Freedom Platinum Rewards Plan Rx (HMO) covers primary care physician services with no copay and no coinsurance, while specialist, therapy, and mental health services require a $15 copay and no coinsurance. Other services range from a $0 to $195 copay with no coinsurance, but chiropractic and podiatry services are not covered.
Preventive Services See details
Freedom Platinum Rewards Plan Rx (HMO) covers preventive services with no copays and no coinsurance, though prior authorization and referrals are required for many benefits. The plan partially covers these benefits, excluding annual physical exams, health education, in-home safety assessments, PERS, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, smoking cessation, enhanced disease management, telemonitoring, home safety modifications, and counseling. Covered services include Medicare-covered preventive care, kidney disease education, select screenings, remote access technologies, and a memory fitness benefit of up to $500 per year.
Hearing Services See details
Freedom Platinum Rewards Plan Rx (HMO) covers routine hearing exams, Medicare-covered exams, and fitting evaluations with no copay and no coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance up to $750 per ear annually, though OTC, inner ear, outer ear, and over-the-ear hearing aids are not covered.
Vision Services See details
Vision services are partially covered by the Freedom Platinum Rewards Plan Rx (HMO), featuring no copay, no coinsurance, and no deductible for one annual routine eye exam and one pair of eyeglasses or contact lenses up to a $300 yearly limit. Upgrades are available for a $30 copay, but other eye exams, individual eyeglass lenses, and individual eyeglass frames are not covered.
Dental Services See details
Freedom Platinum Rewards Plan Rx (HMO) offers partially covered dental services with no copay and no coinsurance for covered benefits, which include oral exams, cleanings, fluoride, x-rays, restorative services, periodontics, and oral surgery. Sub-services that are not covered under this plan include other diagnostic, other preventive, adjunctive general, endodontics, implants, orthodontics, maxillofacial prosthetics, and fixed or removable prosthodontics.
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 carry a 0% to 20% coinsurance, while Medicare Part B insulin is covered with a $35 copay and no coinsurance.
Dialysis Services See details
Dialysis services are covered under the Freedom Platinum Rewards Plan Rx (HMO) with no copay and a 20% coinsurance.
Medical Equipment See details
Freedom Platinum Rewards Plan Rx (HMO) covers durable medical equipment, prosthetics, medical supplies, and diabetic equipment with no copay, though prior authorization is required. Members will pay a 20% coinsurance for most equipment and devices, while diabetic supplies range from no coinsurance to 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the Freedom Platinum Rewards Plan Rx (HMO), requiring prior authorization and referrals. Diagnostic procedures and tests carry a 20% coinsurance and a $0 to $195 copay, lab and X-ray services feature no copay but require coinsurance, and radiological services range from a $25 minimum copay to 20% coinsurance depending on the service.
Home Health Services See details
Home Health Services are covered by the Freedom Platinum Rewards Plan Rx (HMO) with no copay and no coinsurance, though prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the Freedom Platinum Rewards Plan Rx (HMO) with no coinsurance, but require prior authorization and a referral. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered in practice and carry a $15 copay.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Freedom Platinum Rewards Plan Rx (HMO) with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization and referrals are required, though a prior three-day inpatient hospital stay is not.
Other Services See details
Freedom Platinum Rewards Plan Rx (HMO) partially covers other services, offering over-the-counter items and a chronic illness meal benefit with no copay and no coinsurance, while acupuncture is not covered. The plan provides a $65 monthly allowance for over-the-counter items, and the meal benefit requires prior authorization and a referral.
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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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