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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 $105.00. 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, allowing your prescription drug benefits to begin immediately. For Tier 1 preferred generic drugs, you will pay no copay for one-month, two-month, or three-month supplies at standard pharmacies, preferred pharmacies, and standard mail order. Tier 2 preferred brand drugs carry a $10 copay for a one-month supply, which goes up to $30 for a three-month retail supply or a discounted $20 for a three-month standard mail order supply. Tier 3 non-preferred drugs have a $50 copay for a one-month supply at preferred pharmacies and standard mail order, compared to a $55 copay at standard pharmacies. Finally, Tier 4 specialty drugs require a 33% coinsurance for a one-month supply at preferred, standard, and standard mail order pharmacies. This plan offers clear, cost-effective options for managing your medication expenses throughout the year.
Additional Benefits
The Freedom Platinum Rewards Plan Rx (HMO) offers comprehensive medical coverage with predictable costs, including no copay and no coinsurance for primary care visits and preventive services. If you require specialist visits, physical therapy, or outpatient surgical services, you will generally pay a low $25 copay and no coinsurance. For hospital stays, there is a $195 daily copay for the first five days of inpatient care and no copay for days 6 through 90, with no coinsurance required. This plan also features valuable everyday health benefits, including dental, vision, and hearing care with no copay and no coinsurance for covered routine services. Members can take advantage of a $50 monthly allowance for over-the-counter items and no-copay home health services. For durable medical equipment and dialysis services, you can expect no copay and a standard 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital services are covered by the Freedom Platinum Rewards Plan Rx (HMO) with no coinsurance, requiring a $195 daily copay for days 1 through 5 and no copay for days 6 through 90. This benefit is partially covered, as additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Freedom Platinum Rewards Plan Rx (HMO) covers outpatient services with no coinsurance, featuring a $195 copay for outpatient hospital and observation services and a $25 copay for ambulatory surgical center services. Outpatient substance abuse services require a copay between $25 and $195 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 access this benefit.
Ambulance and Transportation Services See details
Freedom Platinum Rewards Plan Rx (HMO) covers ambulance services with a $200 copay and no coinsurance for ground transport, and a 20% coinsurance with no copay for air transport, both requiring prior authorization. Transportation benefits are partially covered with no copay or coinsurance for up to 20 one-way trips per year to plan-approved locations, 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 urgently needed services with a $10 copay and no coinsurance. Worldwide emergency, urgent, and transportation services are also covered up to a $100,000 maximum benefit 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 visits, physical therapy, occupational therapy, and mental health services require a $25 copay and no coinsurance. Chiropractic and podiatry services are not covered, but telehealth and opioid treatment are included, with opioid services costing a $0 to $195 copay and no coinsurance.
Preventive Services See details
Freedom Platinum Rewards Plan Rx (HMO) partially covers preventive services, offering Medicare-covered preventive care, kidney disease education, memory fitness, and select screenings with no copay and no coinsurance. However, several benefits are not covered under this plan, including annual physical exams, health education, weight management programs, and in-home safety assessments.
Hearing Services See details
Freedom Platinum Rewards Plan Rx (HMO) covers hearing exams with no copay and no coinsurance, including one routine exam and fitting evaluation annually. Prescription hearing aids are partially covered with no copay or coinsurance up to $750 per ear yearly, though inner ear, outer ear, over the ear, and OTC 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 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, other eye exam services, separate eyeglass lenses, and separate eyeglass frames are not covered, though eyewear upgrades are available for a $30 copay.
Dental Services See details
Freedom Platinum Rewards Plan Rx (HMO) partially covers dental services with no copay and no coinsurance for covered benefits like exams, cleanings, fluoride, x-rays, restorative services, periodontics, and oral surgery. Sub-services not covered under this plan include other diagnostic and preventive services, adjunctive general services, endodontics, prosthodontics, maxillofacial prosthetics, implants, and orthodontics.
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 and other drugs have a coinsurance ranging from no coinsurance to 20%, 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
Freedom Platinum Rewards Plan Rx (HMO) covers durable medical equipment, prosthetics, medical supplies, and diabetic equipment with no copays and a 20% coinsurance, though diabetic supplies range from no coinsurance up to 20% coinsurance. Prior authorization is required for these covered medical equipment benefits.
Diagnostic and Radiological Services See details
Freedom Platinum Rewards Plan Rx (HMO) covers diagnostic and radiological services, which require referrals and prior authorization. Lab services and outpatient X-rays have no copay but carry coinsurance, while diagnostic procedures and radiological services involve copays ranging from no copay up to $195 and 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, although a referral and prior authorization are required.
Cardiac Rehabilitation Services See details
Freedom Platinum Rewards Plan Rx (HMO) covers cardiac rehabilitation services with no coinsurance, subject to prior authorization and referral requirements. While the plan technically covers this benefit, only some services are covered in practice, as standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Freedom Platinum Rewards Plan Rx (HMO) partially covers skilled nursing facility services with no coinsurance, requiring prior authorization and a referral. There is no copay for days 1 through 20 and a $218 copay for days 21 through 100, but additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Freedom Platinum Rewards Plan Rx (HMO) partially covers other services, offering chronic illness meal benefits and a $50 monthly over-the-counter allowance with no copay and no coinsurance. Acupuncture and other additional services are not covered, 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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