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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 prescription drug deductible, meaning your pharmacy benefits begin immediately with no upfront costs. Under this plan, Tier 1 preferred generic drugs have no copay for one, two, or three-month supplies at both preferred and standard pharmacies. Tier 2 preferred brand medications cost a $30 copay for a one-month supply, though you can save on a three-month supply by using standard mail order for a $60 copay. For Tier 3 non-preferred drugs, one-month copays start at $80 at preferred pharmacies and standard mail order, or $85 at standard retail pharmacies. Tier 4 specialty medications require a 33% coinsurance for a one-month supply at all participating pharmacies. This plan provides a structured and predictable copay system to help you budget for your healthcare needs.
Additional Benefits
The Freedom Platinum Rewards Plan Rx (HMO) offers affordable healthcare coverage with no copay for primary care doctor visits and a $25 copay for specialist consultations and therapy sessions. If you require hospital care, inpatient stays have a $250 daily copay for the first five days and no copay thereafter, while outpatient hospital services carry a $195 copay. Emergency care is covered with a $150 copay, which is waived upon admission, and urgent care visits require a $10 copay. In addition to medical care, this plan provides generous supplemental benefits with no copay or coinsurance for routine dental exams, annual vision screenings, and routine hearing services. Eligible members also benefit from up to $150 a year for select eyewear, coverage for up to two prescription hearing aids, and a $55 monthly allowance for over-the-counter health items. Furthermore, you can access home health services and up to twenty one-way trips to approved locations with no copay or coinsurance.
Inpatient Hospital See details
Freedom Platinum Rewards Plan Rx (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $250 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 hospital and observation services with a $195 copay and no coinsurance. Ambulatory surgical services require a $25 copay and no coinsurance, while outpatient substance abuse services carry a copay of $25 to $195 and no coinsurance, and outpatient blood services are available with no copay, no coinsurance, and no deductible.
Partial Hospitalization See details
Partial hospitalization is covered by the Freedom Platinum Rewards Plan Rx (HMO) with a $55 copay and no coinsurance. This benefit requires both prior authorization and a referral.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the Freedom Platinum Rewards Plan Rx (HMO), requiring a $200 copay (no coinsurance) for ground ambulance and a 20% coinsurance (no copay) for air ambulance. Transportation services are partially covered with no copay or coinsurance for up to 20 annual one-way trips 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. Urgently needed services require 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) provides primary care physician services with no copay and no coinsurance, while specialist visits, physical, occupational, speech therapy, and mental health sessions have a $25 copay and no coinsurance. Opioid treatment and other healthcare professional services feature copays up to $195 and $25, respectively, with no coinsurance, though chiropractic and podiatry services are not covered.
Preventive Services See details
Freedom Platinum Rewards Plan Rx (HMO) provides partial coverage for preventive services, featuring no copay and no coinsurance for covered benefits such as Medicare-covered zero-dollar preventive services, kidney disease education, and select screenings. However, an annual physical exam and many supplemental benefits, including health education, weight management, and in-home safety assessments, are not covered.
Hearing Services See details
Freedom Platinum Rewards Plan Rx (HMO) partially covers hearing services, offering routine hearing exams, fittings, and up to two prescription hearing aids per year (up to $750 per ear) with no copay, no coinsurance, and no deductible. OTC hearing aids, as well as inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
Vision services are partially covered by the Freedom Platinum Rewards Plan Rx (HMO) with no copay and no coinsurance for annual routine eye exams and select eyewear up to a $150 yearly limit. Other eye exams, eyeglass lenses, and eyeglass frames are not covered, though eyewear upgrades are available for a $30 copay.
Dental Services See details
Dental services are partially covered under the Freedom Platinum Rewards Plan Rx (HMO), featuring no copay and no coinsurance for covered care like exams, cleanings, fluoride, x-rays, restorative, periodontics, and oral surgery. Sub-services that are not covered include other diagnostic, other preventive, adjunctive general, endodontics, implants, fixed and removable prosthodontics, maxillofacial prosthetics, 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. Medicare Part B chemotherapy, radiation, and other drugs have 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 under the Freedom Platinum Rewards Plan Rx (HMO) with no copays and a 20% coinsurance, except for diabetic supplies which range from no coinsurance to 20% coinsurance. Prior authorization is required for durable medical equipment, prosthetics, medical supplies, and diabetic services.
Diagnostic and Radiological Services See details
Freedom Platinum Rewards Plan Rx (HMO) covers diagnostic and radiological services, with prior authorization and referrals required for all services. Members benefit from no copay for lab services and outpatient X-rays, while diagnostic procedures range from a $0 to $195 copay with 20% coinsurance, and radiological services require a minimum $25 copay or 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the Freedom Platinum Rewards Plan Rx (HMO) with no copay and no coinsurance. Prior authorization and a referral are required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by the Freedom Platinum Rewards Plan Rx (HMO) with no copay and no coinsurance, although only some services are covered. Specifically, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered, and prior authorization and referrals are required for eligible benefits.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by Freedom Platinum Rewards Plan Rx (HMO) with no coinsurance, though prior authorization and a referral are required. There is no copay for days 1 through 20 and a $218 copay per day for days 21 through 100, but additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services covered by the Freedom Platinum Rewards Plan Rx (HMO) include over-the-counter (OTC) items up to $55 per month and chronic illness meals, both available with no copay and no coinsurance. Acupuncture is not covered, and the meal benefit requires a referral and prior authorization.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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Every year, Medicare evaluates plans based on a 5-star rating system.
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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