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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 $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) features a $0 drug deductible, meaning your prescription drug coverage begins immediately. Tier 1 preferred generic drugs come with no copay for one-, two-, or three-month supplies at preferred pharmacies, standard pharmacies, and standard mail-order services. For Tier 2 preferred brand drugs, you will pay a $35 copay for a one-month supply at both preferred and standard pharmacies, with mail-order options offering a three-month supply for $70. Tier 3 non-preferred drugs require a one-month copay of $85 at preferred pharmacies and standard mail order, or $90 at standard pharmacies. Specialty drugs in Tier 4 are subject to a 33% coinsurance for a one-month supply across standard and preferred pharmacies as well as standard mail order.
Additional Benefits
The Freedom Platinum Rewards Plan Rx (HMO) offers comprehensive medical coverage with affordable out-of-pocket costs, including no copay for primary care visits and home health services. For specialized care, members pay a $30 copay for specialist visits and physical therapy, while inpatient hospital stays require a $175 daily copay for the first seven days and no copay thereafter. Emergency care is available with a $150 copay, and urgent care visits require a low $10 copay, both with no coinsurance. This plan also features robust supplemental benefits, providing routine dental, vision, and hearing exams with no copay and no coinsurance. Additionally, members can take advantage of up to 20 one-way transportation trips per year to approved locations and a monthly $55 allowance for over-the-counter items with no copay. Prescription hearing aids, eyewear, and preventive services are also covered under this plan to support your overall wellness.
Inpatient Hospital See details
Freedom Platinum Rewards Plan Rx (HMO) provides partially covered inpatient acute and psychiatric hospital services with no coinsurance, requiring a $175 daily copay for days 1 through 7 and no copay for days 8 through 90. Under this plan, additional days, non-Medicare-covered stays, and hospital upgrades are not covered.
Outpatient Services See details
Freedom Platinum Rewards Plan Rx (HMO) covers outpatient services with no coinsurance, including a $150 copay for outpatient hospital and observation services and a $25 copay for ambulatory surgical center services. Outpatient substance abuse sessions require a $30 to $150 copay with no coinsurance, while outpatient blood services are covered 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 to receive this covered 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 benefits are partially covered, offering up to 20 one-way trips per year to plan-approved health-related locations with no copay and no coinsurance, while 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 and no coinsurance, which is waived if you are admitted to the hospital within 72 hours, and urgent care with a $10 copay and no coinsurance. Worldwide emergency, urgent, and transportation services are also covered up to a $100,000 maximum benefit limit with a $500 copay per service and no coinsurance.
Primary Care See details
Freedom Platinum Rewards Plan Rx (HMO) features primary care physician services with no copay and no coinsurance, while specialist, physical therapy, occupational therapy, and mental health visits require a $30 copay and no coinsurance. Opioid treatment services range from a $0 to $150 copay with no coinsurance, whereas chiropractic and podiatry services are not covered under this plan.
Preventive Services See details
Preventive services are partially covered by the Freedom Platinum Rewards Plan Rx (HMO) with no copay and no coinsurance for covered benefits like Medicare-covered preventive care, kidney education, select screenings, memory fitness, and remote access. However, the plan does not cover annual physical exams, health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, additional smoking cessation, disease management, telemonitoring, home safety devices, and counseling.
Hearing Services See details
Freedom Platinum Rewards Plan Rx (HMO) covers routine hearing exams and fitting evaluations with no copay and no coinsurance. Prescription hearing aids are partially covered with no copay and no coinsurance up to $750 per ear yearly, but OTC hearing aids and inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Freedom Platinum Rewards Plan Rx (HMO) provides partially covered vision services with no copay and no coinsurance for routine eye exams and covered eyewear, subject to a $150 annual maximum. Covered benefits include annual routine exams, contacts, eyeglasses (lenses and frames), and upgrades for a $30 copay, while 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 care such as oral exams, cleanings, fluoride, x-rays, restorative services, periodontics, and oral surgery. Non-covered services under this plan include other diagnostic, other preventive, adjunctive general, endodontics, removable and fixed prosthodontics, maxillofacial prosthetics, implants, and orthodontics.
Home Infusion bundled Services See details
Home infusion bundled services are covered under the Freedom Platinum Rewards Plan Rx (HMO) with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other Part B drugs require 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 under 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 copay and generally a 20% coinsurance, though diabetic supplies range from no coinsurance to 20% coinsurance. This coverage includes durable medical equipment (DME), prosthetics, medical supplies, and diabetic shoes or inserts, all of which require prior authorization.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the Freedom Platinum Rewards Plan Rx (HMO), requiring prior authorization and referrals. Lab services and outpatient X-rays feature no copay but require coinsurance, while other diagnostic and radiological services have copays ranging from $0 to $150 and a minimum coinsurance of 20%.
Home Health Services See details
Home Health Services are covered under the Freedom Platinum Rewards Plan Rx (HMO) with no copay and no coinsurance. Members must obtain prior authorization and a referral to receive these services.
Cardiac Rehabilitation Services See details
Freedom Platinum Rewards Plan Rx (HMO) offers Cardiac Rehabilitation Services with no coinsurance, though in practice some services are covered while standard cardiac rehabilitation ($30 copay), intensive cardiac rehabilitation ($30 copay), pulmonary rehabilitation ($20 copay), and SET for PAD services ($30 copay) are not covered. Prior authorization and referrals are required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by Freedom Platinum Rewards Plan Rx (HMO), as additional days beyond the Medicare-covered limit are not covered. This benefit features no coinsurance, with no copay for days 1 to 20 and a $218 daily copay for days 21 to 100.
Other Services See details
Freedom Platinum Rewards Plan Rx (HMO) partially covers other services, with acupuncture listed as not covered. Covered options include over-the-counter items up to $55 per month and chronic illness meal benefits, both available with no copay and no coinsurance.
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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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