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Freedom VIP Rewards (HMO C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Freedom VIP Rewards (HMO C-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Freedom VIP Rewards (HMO C-SNP) in 2026, please refer to our full plan details page.
Freedom VIP Rewards (HMO C-SNP) is a HMO C-SNP 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 VIP Rewards (HMO C-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Freedom VIP Rewards (HMO C-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Freedom VIP Rewards (HMO C-SNP).
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 VIP Rewards (HMO C-SNP), 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 VIP Rewards (HMO C-SNP) Medicare plan features a $0 drug deductible, meaning your prescription drug coverage begins immediately. Beneficiaries pay no copay for Tier 1 preferred generic drugs at preferred and standard pharmacies, as well as through standard mail order. For Tier 5 select diabetic drugs, the plan offers a low copay of $10 for a one-month supply at both standard and preferred pharmacies. Tier 2 preferred brand drugs carry a $30 copay for a one-month supply, while Tier 3 non-preferred drugs cost $80 to $85 for a one-month supply depending on the pharmacy type. For specialty medications in Tier 4, members will pay a 33% coinsurance for a one-month supply. Standard mail order options often provide additional savings on multi-month supplies for brand-name and diabetic medications.
Additional Benefits
The Freedom VIP Rewards (HMO C-SNP) plan offers comprehensive medical coverage with predictable costs, featuring no copay or coinsurance for primary care, telehealth, and covered preventive services. For specialized care, members pay a $25 copay for specialists and therapist visits, while outpatient hospital services require a $195 copay. Inpatient hospital stays feature a $250 daily copay for the first seven days and no copay for days eight through 90, with no coinsurance required. Supplemental benefits include dental, vision, and hearing care, which offer routine services and exams with no copays or coinsurance. Members also receive a $60 monthly allowance for over-the-counter items and up to 20 one-way trips per year to plan-approved locations at no cost. Emergency room visits require a $150 copay, while home health services and diabetic supplies are fully covered with no copay.
Inpatient Hospital See details
Freedom VIP Rewards (HMO C-SNP) inpatient hospital care is partially covered, excluding additional days, upgrades, and non-Medicare-covered stays. Covered acute and psychiatric stays require prior authorization and referrals, featuring no coinsurance, a $250 daily copay for days 1 through 7, and no copay for days 8 through 90.
Outpatient Services See details
Freedom VIP Rewards (HMO C-SNP) covers outpatient services with no coinsurance, including outpatient hospital and observation services for a $195 copay, and ambulatory surgical center services for a $50 copay. Outpatient substance abuse individual and group sessions carry a copay of $25 to $195 with no coinsurance, while outpatient blood services are available with no copay and no coinsurance.
Partial Hospitalization See details
Freedom VIP Rewards (HMO C-SNP) 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
Ambulance and transportation services are covered by Freedom VIP Rewards (HMO C-SNP), requiring a $200 copay and no coinsurance for ground ambulance services, and a 20% coinsurance with no copay for air ambulance services. Transportation services are partially covered with no copay and no coinsurance for up to 20 one-way trips per year to plan-approved locations, though transportation to any health-related location is not covered.
Emergency Services See details
Freedom VIP Rewards (HMO C-SNP) 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 limit with a $500 copay per service and no coinsurance.
Primary Care See details
Freedom VIP Rewards (HMO C-SNP) offers primary care and telehealth services with no copay and no coinsurance, while specialists, mental health, psychiatry, and physical, occupational, and speech therapies require a $25 copay and no coinsurance. Opioid treatment programs and other healthcare professional services have copays ranging up to $195 and $25 respectively with no coinsurance, whereas chiropractic and podiatry services are not covered.
Preventive Services See details
Freedom VIP Rewards (HMO C-SNP) partially covers preventive services with no copay and no coinsurance for all covered services, though prior authorization and referrals are required for many benefits. Covered options include glaucoma screenings, diabetes training, and select fitness benefits, while annual physical exams, health education, and medical nutrition therapy are not covered.
Hearing Services See details
Freedom VIP Rewards (HMO C-SNP) covers hearing services with no copay, no coinsurance, and no deductible, including one routine hearing exam and one fitting evaluation annually. Prescription hearing aids are partially covered with no copay or coinsurance up to $750 per ear every year, but OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Freedom VIP Rewards (HMO C-SNP) offers partially covered vision services with no copay and no coinsurance for annual routine eye exams and eyewear, which includes a $150.00 annual limit for contacts or eyeglasses. Other eye exams, individual eyeglass lenses, and individual eyeglass frames are not covered, but eyewear upgrades are available for a $30.00 copay.
Dental Services See details
Dental services are partially covered by Freedom VIP Rewards (HMO C-SNP) with no copay and no coinsurance for covered benefits like exams, cleanings, fluoride, x-rays, restorative care, periodontics, and oral surgery. Non-covered sub-services include other diagnostic and preventive services, endodontics, prosthodontics, implants, orthodontics, maxillofacial prosthetics, and adjunctive general services.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Freedom VIP Rewards (HMO C-SNP) with no copay, though prior authorization is required. Under this benefit, Medicare Part B insulin drugs require a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs have a 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the Freedom VIP Rewards (HMO C-SNP) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Freedom VIP Rewards (HMO C-SNP) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic equipment, supplies, and therapeutic shoes or inserts are also covered with no copay and no coinsurance, though prior authorization is required for all of these medical equipment benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under Freedom VIP Rewards (HMO C-SNP), requiring prior authorizations and referrals. Diagnostic tests carry a 20% coinsurance and a copay ranging from no copay to $195, while diagnostic radiology requires a minimum $25 copay with no coinsurance. Lab services and outpatient X-rays feature no copays but require coinsurance, whereas therapeutic radiology requires a 20% coinsurance and a copay.
Home Health Services See details
Home health services are covered under the Freedom VIP Rewards (HMO C-SNP) plan with no copay and no coinsurance, though prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by Freedom VIP Rewards (HMO C-SNP) with no coinsurance, meaning some services are covered, but cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered. These non-covered services require copays ranging from $20 to $25, and prior authorization and referrals are required.
Skilled Nursing Facility (SNF) See details
Freedom VIP Rewards (HMO C-SNP) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization and referrals are required, though a prior three-day inpatient hospital stay is not necessary for admission.
Other Services See details
Freedom VIP Rewards (HMO C-SNP) offers partial coverage for other services, including a meal benefit for chronic illnesses and a $60 monthly allowance for over-the-counter items with no copay and no coinsurance. Acupuncture and certain other additional services are not covered under this plan.
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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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