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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 2025, 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 out of 5 stars in 2025.
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 $150.00. 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) has a $0 deductible for prescription drugs. During the initial coverage phase, you'll pay a copay or coinsurance depending on the drug tier and the pharmacy you use. For example, preferred generic drugs have a $35 copay, while preferred brand drugs have 33% coinsurance. Once your total drug costs reach $2000, you enter the catastrophic coverage phase and pay nothing for covered drugs. This plan may reduce your premium if you qualify for the low-income subsidy, and those with full LIS will have no copays.
Additional Benefits
The Freedom Platinum Rewards Plan Rx (HMO) offers a range of benefits with varying costs. Inpatient hospital stays have a $175 copay for the first 7 days, with no copay for days 8-90. Outpatient services and primary care visits have copays that range from $0 to $150 depending on the service. This plan covers preventive, hearing, vision, and dental services with no or low copays. Ambulance services and durable medical equipment have copays or coinsurance requirements. The plan also provides coverage for home health, skilled nursing, and other services with varying cost-sharing.
Inpatient Hospital See details
Inpatient Hospital coverage includes Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, both of which require prior authorization and a doctor referral. For the first 7 days, the copay is $175 per admission, and there is no copay for days 8-90; there is no coinsurance.
Outpatient Services See details
Outpatient services are covered, including outpatient hospital services with a $150 copay, observation services with a $150 copay, ambulatory surgical center services with a $25 copay, and outpatient substance abuse services with a copay between $30 and $150 depending on the session type. Outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered under the Freedom Platinum Rewards Plan Rx (HMO) with a $55 copay. Prior authorization and a doctor referral are required for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered. 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, up to 20 one-way trips per year; Transportation Services to any other health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under the Freedom Platinum Rewards Plan Rx (HMO). Emergency Services have a $120 copay, Urgently Needed Services have a $10 copay, and Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation all have a $500 copay.
Primary Care See details
Primary Care services include coverage for Primary Care Physician Services with no copay, Chiropractic Services with a $20 copay (routine care not covered), Occupational Therapy Services with a $30 copay, Physician Specialist Services with a $30 copay, Mental Health Specialty Services with a $30 copay for individual and group sessions, Psychiatric Services with a $30 copay for individual and group sessions, Physical Therapy and Speech-Language Pathology Services with a $30 copay, Additional Telehealth Benefits, and Opioid Treatment Program Services with a copay between $0 and $150. Podiatry Services are not covered.
Preventive Services See details
The Freedom Platinum Rewards Plan Rx (HMO) covers preventive services with no copay for Medicare-covered services, but annual physical exams are not covered. Additional preventive services, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit have no copay.
Hearing Services See details
The Freedom Platinum Rewards Plan Rx (HMO) covers hearing exams and fitting/evaluation for hearing aids with no copay, and also covers prescription hearing aids up to $750 per year, but does not cover prescription hearing aids for the inner ear, outer ear, or over the ear, nor does it cover OTC hearing aids. Routine hearing exams are covered with no copay for one visit every year.
Vision Services See details
Vision Services include eye exams, eyewear, and upgrades. Routine eye exams and eyewear have no copay, while upgrades have a $30 copay; eyeglass lenses and eyeglass frames are not covered.
Dental Services See details
The Freedom Platinum Rewards Plan Rx (HMO) covers dental services, including oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatment, periodontics, and oral and maxillofacial surgery, all with no copay. Adjunctive general services, endodontics, prosthodontics, maxillofacial prosthetics, implant services, orthodontics, and prosthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs, are covered. For Medicare Part B Insulin Drugs, there is a $35 copay. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, coinsurance may apply, ranging from 0% to 20%.
Dialysis Services See details
Dialysis Services are covered by the Freedom Platinum Rewards Plan Rx (HMO) with a coinsurance between 20% and 20%.
Medical Equipment See details
The Freedom Platinum Rewards Plan Rx (HMO) covers Durable Medical Equipment (DME) with a 20% coinsurance and requires authorization, while medical supplies, prosthetic devices, and diabetic equipment are covered with a 20% coinsurance. Durable Medical Equipment for use outside the home is not covered. Diabetic supplies have a 0-20% coinsurance, and diabetic therapeutic shoes/inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Freedom Platinum Rewards Plan Rx (HMO). Diagnostic Procedures/Tests have a coinsurance of at most 20% and a copay of up to $150, while Lab Services have no copay. Diagnostic Radiological Services have a copay of up to $150, 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 Platinum Rewards Plan Rx (HMO) 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 covered, but the plan does not cover the Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services. Prior authorization and a doctor referral are required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Freedom Platinum Rewards Plan Rx (HMO) with prior authorization and a doctor referral required. For days 1-20, there is no copay, but for days 21-100, there is a $150 copay.
Other Services See details
The Freedom Platinum Rewards Plan Rx (HMO) covers Over-the-Counter (OTC) Items with no copay, and Meal Benefit with no copay, but requires prior authorization and a doctor referral. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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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.
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