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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 $3250.00 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 will pay a copay or coinsurance depending on the drug tier and pharmacy used. For example, preferred generic drugs have a $5 copay at preferred and standard pharmacies. Once your total drug costs reach $2,000, you enter the catastrophic coverage phase, where you will pay nothing for Part D covered drugs. However, you may still pay a share of the costs for excluded drugs covered under any enhanced benefit.
Additional Benefits
The Freedom Platinum Rewards Plan Rx (HMO) offers a range of benefits with varying costs. Inpatient hospital stays have a $250 copay for the first five days, and no copay for days 6-90. Outpatient services have copays that vary by service, and emergency services range from a $10 to a $500 copay. This plan includes coverage for primary care with no copay, and offers hearing, vision, and dental services, all with no copays. Medical equipment and some diagnostic services have coinsurance requirements. Additionally, the plan covers home health services with no copay, and Skilled Nursing Facility services with a $0 copay for the first 20 days, and a $150 copay for days 21-100.
Inpatient Hospital See details
Inpatient Hospital benefits, including acute and psychiatric care, are covered under the Freedom Platinum Rewards Plan Rx (HMO). For days 1-5, there is a $250 copay, and for days 6-90, there is no copay.
Outpatient Services See details
Outpatient Services includes coverage for all outpatient hospital services, with a $195 copay, Ambulatory Surgical Center (ASC) Services with a $25 copay, and Outpatient Substance Abuse Services with a copay between $25 and $195 depending on the service. Outpatient Blood Services are covered with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered under the Freedom Platinum Rewards Plan Rx (HMO) with a $55 copay, and requires prior authorization and a doctor's referral.
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 have no copay. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the Freedom Platinum Rewards Plan Rx (HMO). Emergency Services have a $120 copay, and Urgently Needed Services have a $10 copay, while Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation each have a $500 copay.
Primary Care See details
The Freedom Platinum Rewards Plan Rx (HMO) covers primary care physician services with no copay, and chiropractic services with a $20 copay. Occupational therapy services have a $25 copay, and physician specialist services, physical therapy, and speech-language pathology services have a $25 copay. Mental health specialty services, psychiatric services, and opioid treatment program services have varying copays depending on the specific service, and podiatry services are not covered.
Preventive Services See details
The Freedom Platinum Rewards Plan Rx (HMO) covers preventive services, including Medicare-covered services with no copay, and additional preventive services with a copay for Fitness Benefit and Remote Access Technologies. Annual physical exams, health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge in-home medication reconciliation, re-admission prevention, wigs for hair loss related to chemotherapy, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefit, home-based palliative care, in-home support services, support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, enhanced disease management, telemonitoring services, home and bathroom safety devices and modifications, and counseling services are not covered.
Hearing Services See details
The Freedom Platinum Rewards Plan Rx (HMO) covers hearing exams, routine hearing exams, and fitting/evaluation for hearing aids with no copay. This plan also covers prescription hearing aids up to $750 per year, but does not cover inner ear, outer ear, or over the ear prescription hearing aids.
Vision Services See details
The Freedom Platinum Rewards Plan Rx (HMO) covers vision services, including routine eye exams and eyewear. Routine eye exams and eyewear have no copay. Contact lenses and eyeglasses (lenses and frames) are covered, and the plan offers a combined maximum benefit of $150.00 per year for all eyewear. 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 with no copay; however, adjunctive general services, endodontics, prosthodontics (removable and fixed), maxillofacial prosthetics, implant services, and orthodontics are not covered. Oral exams, prophylaxis (cleaning), and oral and maxillofacial surgery are limited to 4, 2, and 2 visits per year, respectively, and dental x-rays are limited to 1.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, with prior authorization required. The plan covers Medicare Part B Insulin Drugs with a $35 copay. Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs are also covered, with a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the Freedom Platinum Rewards Plan Rx (HMO) with a coinsurance between 20% and 20%.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 20% coinsurance, Prosthetic Devices with 20% coinsurance, Medical Supplies with 20% coinsurance, and Diabetic Equipment. Diabetic Supplies have a coinsurance between 0% and 20%, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered under the Freedom Platinum Rewards Plan Rx (HMO). Diagnostic Procedures/Tests have a coinsurance of at most 20% and a copay of at most $195.00, while Lab Services have no copay. Diagnostic Radiological Services have a copay of at most $195.00, 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 not covered by the Freedom Platinum Rewards Plan Rx (HMO). Prior authorization and a doctor's referral are required for these services.
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. For days 1-20, there is no copay, and for days 21-100, the copay is $150.
Other Services See details
The Freedom Platinum Rewards Plan Rx (HMO) covers over-the-counter items with no copay, and a maximum benefit coverage amount of $65.00 every month. 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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