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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 $174.70. 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) 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. For example, a preferred generic drug has a $35 copay at preferred and standard pharmacies. After your total drug costs reach $2,000, you enter the catastrophic coverage phase where you pay nothing for covered Part D 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 comprehensive coverage, including inpatient hospital stays with a $95 copay for days 1-5 and no copay for days 6-90, and outpatient services with varying copays. This plan also includes coverage for ambulance and transportation services, emergency services, primary care, preventive services, hearing, vision, and dental services with no or low copays. Additional benefits include coverage for home infusion, dialysis, medical equipment, diagnostic and radiological services, home health services, and skilled nursing facility (SNF) services. The plan provides extra perks such as a monthly over-the-counter (OTC) allowance and a meal benefit, but does not cover cardiac rehabilitation services.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric services, but additional days and non-Medicare-covered stays are not covered. For days 1-5, the copay is $95, and for days 6-90, there is no copay.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services with a $95 copay, observation services with a $95 copay, ambulatory surgical center services with a $50 copay, and outpatient substance abuse services with copays between $10 and $95 for individual and group sessions. Outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by 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 are covered with no copay for up to 20 one-way trips per year, but 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. For Emergency Services, there is a $120 copay, and for Urgently Needed Services, there is a $10 copay. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation each have a $500 copay.
Primary Care See details
Primary Care Physician Services are covered with no copay. Chiropractic Services, Occupational Therapy Services, Physician Specialist Services, Mental Health Specialty Services, Other Health Care Professional, Psychiatric Services, Physical Therapy and Speech-Language Pathology Services, Additional Telehealth Benefits, and Opioid Treatment Program Services are covered with varying copays. Podiatry Services are not covered, and routine chiropractic care is not covered.
Preventive Services See details
Preventive Services are covered, including Medicare-covered zero dollar preventive services, with a doctor referral and prior authorization. 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 benefits, 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 provides coverage for prescription hearing aids, with a plan-specified amount of $750 per year, but does not cover prescription hearing aids for the inner ear, outer ear, or over the ear, and also does not cover OTC hearing aids.
Vision Services See details
Vision services include eye exams and eyewear, with no copay for eye exams. Routine eye exams, contact lenses, and eyeglasses (lenses and frames) are covered with no copay, while eyeglass lenses and frames are not covered. Eyewear has a combined maximum plan benefit of $300 per year, and upgrades have a $30 copay.
Dental Services See details
Dental Services are covered, including oral exams, dental x-rays, cleaning, fluoride treatment, prosthodontics, removable, periodontics, and oral and maxillofacial surgery with no copay. Adjunctive general services, endodontics, maxillofacial prosthetics, implant services, prosthodontics, fixed, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, with prior authorization required. Medicare Part B Insulin Drugs have a $35 copay, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have 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
The Freedom Platinum Rewards Plan Rx (HMO) covers medical equipment, including Durable Medical Equipment (DME) with a 20% coinsurance and Prosthetic Devices, Medicare-covered Medical Supplies, 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, including Diagnostic Procedures/Tests with a copay of up to $95 and a coinsurance of at most 20%, Lab Services with no copay, Diagnostic Radiological Services with a copay of at most $95, Therapeutic Radiological Services with a coinsurance of at most 20%, and Outpatient X-Ray Services with no copay. Prior authorization and a doctor referral are required for all diagnostic and radiological services.
Home Health Services See details
Home Health Services are covered under 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). This includes Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation 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
Other Services include Over-the-Counter (OTC) Items with no copay and a maximum benefit of $60 per month, and a Meal Benefit with no copay that requires prior authorization and a doctor's referral. 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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