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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 $185.00. 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 coverage begins immediately. For Tier 1 preferred generic drugs, there is no copay for up to a three-month supply at preferred pharmacies, standard pharmacies, and standard mail order. Tier 2 preferred brand drugs require a $35 copay for a one-month supply, with a reduced $70 copay for a three-month supply when using standard mail order. Tier 3 non-preferred drugs carry a $65 one-month copay at preferred pharmacies and standard mail order, compared to a $70 copay at standard pharmacies. For Tier 4 specialty tier drugs, you will pay a 33% coinsurance for a one-month supply across preferred, standard, and mail-order pharmacies. This plan provides clear, structured cost-sharing tiers to help you easily estimate your out-of-pocket prescription expenses.
Additional Benefits
The Freedom Platinum Rewards Plan Rx (HMO) features robust coverage with no copay for primary care visits, preventive care, and home health services. For inpatient hospital stays, members pay a $95 daily copay for the first five days and no copay for days six through ninety, while specialist visits require a low $10 copay. Outpatient hospital services carry a $95 copay, and emergency room visits have a $150 copay that is waived if you are admitted. This plan also offers valuable everyday savings, including no copay and no coinsurance for routine dental, vision, and hearing care, which features a $150 annual eyewear allowance and up to $750 per ear annually for prescription hearing aids. Additionally, members benefit from up to twenty one-way transportation trips per year and a monthly $55 over-the-counter item allowance, both with no copay. For specialized care, medical equipment and dialysis services generally require a twenty percent coinsurance with no copay.
Inpatient Hospital See details
Inpatient hospital care is partially covered by the Freedom Platinum Rewards Plan Rx (HMO) with no coinsurance, requiring a $95 daily copay for days 1 through 5 and no copay for days 6 through 90 per stay. Prior authorization and referrals are required, and 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 $95 copay for outpatient hospital and observation services and a $50 copay for ambulatory surgical center services. Outpatient substance abuse sessions require a copay ranging from $10 to $95 with no coinsurance, while outpatient blood services are fully covered with no copay, no coinsurance, and no deductible.
Partial Hospitalization See details
Freedom Platinum Rewards Plan Rx (HMO) covers partial hospitalization 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 ground ambulance services with a $200 copay and air ambulance services with a 20% coinsurance, both requiring prior authorization. Transportation services are partially covered with no copay or coinsurance, offering up to 20 one-way trips per year to plan-approved locations while excluding trips to other health-related locations.
Emergency Services See details
Freedom Platinum Rewards Plan Rx (HMO) covers emergency services with a $150 copay (waived if admitted to the hospital within 72 hours) and urgently needed services with a $10 copay, both with no coinsurance. Worldwide emergency, urgent, and transportation services are also covered with a $500 copay per service and no coinsurance, up to a maximum plan benefit of $100,000.
Primary Care See details
Freedom Platinum Rewards Plan Rx (HMO) provides primary care physician services with no copay and no coinsurance, while specialist, mental health, and physical therapy services require a $10 copay and no coinsurance. Some chiropractic services are covered with a $10 copay and no coinsurance, but routine and other chiropractic services are not covered, and podiatry services are not covered.
Preventive Services See details
Preventive services are partially covered under the Freedom Platinum Rewards Plan Rx (HMO) with no copays and no coinsurance for covered care, although referrals and prior authorizations are required for many services. Sub-services not covered by this plan include annual physical exams, health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs for chemotherapy-related hair loss, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, additional smoking cessation counseling, enhanced disease management, telemonitoring, home safety modifications, and counseling.
Hearing Services See details
Freedom Platinum Rewards Plan Rx (HMO) covers hearing services with no copay and no coinsurance for routine annual exams, fittings, and prescription hearing aids up to $750 per ear every year. This benefit is partially covered, as OTC hearing aids and inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision Services under the Freedom Platinum Rewards Plan Rx (HMO) are partially covered with no deductible, no copay, and no coinsurance for annual routine eye exams and select eyewear, which features a $150 annual limit for contacts or eyeglasses. Other eye exam services, 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 by the Freedom Platinum Rewards Plan Rx (HMO) with no copay and no coinsurance for covered preventive and comprehensive care. However, several sub-services are not covered, including other diagnostic, other preventive, adjunctive general, endodontics, maxillofacial prosthetics, implants, fixed prosthodontics, and orthodontics.
Home Infusion bundled Services See details
Home infusion bundled services are covered by the Freedom Platinum Rewards Plan Rx (HMO) with no copay, though prior authorization is required. Under this plan, Medicare Part B insulin drugs carry a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs have no copay and a coinsurance ranging from 0% to 20%.
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, though prior authorization is required. Beneficiaries will pay a 20% coinsurance for most of these items, with the exception of diabetic supplies which range from no coinsurance up to a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the Freedom Platinum Rewards Plan Rx (HMO) with prior authorization and referrals required. Diagnostic procedures and tests range from no copay up to $95 with a 20% coinsurance, while diagnostic radiological services require a copay starting at $25 with no coinsurance. Lab services and outpatient X-rays feature no copay, whereas therapeutic radiological services require a copay and a 20% coinsurance.
Home Health Services See details
Home Health Services are covered by the Freedom Platinum Rewards Plan Rx (HMO) with no copay and no coinsurance. Both prior authorization and a referral are required to access this benefit.
Cardiac Rehabilitation Services See details
Freedom Platinum Rewards Plan Rx (HMO) technically covers cardiac rehabilitation with no coinsurance, but in practice, some services are covered while cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and require a $10 copay.
Skilled Nursing Facility (SNF) See details
Freedom Platinum Rewards Plan Rx (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization and referrals are required for these services, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Freedom Platinum Rewards Plan Rx (HMO) partially covers other services, as acupuncture is not covered. Covered benefits include over-the-counter (OTC) items up to $55 per month and a chronic illness meal benefit, both featuring 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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