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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 2025, 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 out of 5 stars in 2025.
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 $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 VIP Rewards (HMO C-SNP) plan has an enhanced alternative drug benefit with a $0 deductible. During the initial coverage phase, you will pay a copay for your prescriptions depending on the drug tier and the pharmacy you use. For example, preferred generic drugs have a $30 copay at preferred and standard pharmacies, and a $30 copay at standard mail order pharmacies. Once your total drug costs reach $2,000, you enter the catastrophic coverage phase, where you pay nothing for covered drugs. If you qualify for the low-income subsidy, also known as "Extra Help", your Part D costs will be $0.
Additional Benefits
The Freedom VIP Rewards (HMO C-SNP) plan offers a range of benefits with varying costs. You'll find no copays for primary care, preventive services, hearing exams, vision exams, dental services, home health services, and many other services. The plan also includes coverage for inpatient and outpatient services, with copays ranging from $25 to $250, and some services with coinsurance, such as ambulance and medical equipment. Additional benefits include coverage for emergency services, transportation to health-related locations, and over-the-counter items, all with no copay. The plan also covers prescription hearing aids, with a maximum plan benefit, and eyewear, with no copay and up to a combined maximum allowance. However, some services, like cardiac rehabilitation, additional hours of care, and certain dental and vision services, are not covered by this plan.
Inpatient Hospital See details
Inpatient Hospital benefits, including acute and psychiatric care, are covered, but require prior authorization and a doctor's referral. For days 1-7, there is a $250 copay, and for days 8-90, there is no copay. Additional days and non-Medicare covered stays for both acute and psychiatric care are not covered.
Outpatient Services See details
Outpatient Services include coverage for outpatient hospital services with a $195 copay, observation services with a $195 copay, ambulatory surgical center services with a $50 copay, and outpatient substance abuse services with copays ranging from $25 to $195 for individual and group sessions. Outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered, but requires prior authorization and a doctor referral. The copay for this benefit is $55.
Ambulance and Transportation Services See details
Ambulance and Transportation Services include coverage for ground ambulance services with a $200 copay, air ambulance services with 20% coinsurance, and transportation services to plan-approved health-related locations with no copay for up to 20 one-way trips per year. 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. Emergency Services have a $120 copay, Urgently Needed Services have a $10 copay, and Worldwide Emergency Services have a $500 copay for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation, with a maximum plan benefit of $100,000.
Primary Care See details
Primary Care Physician Services are covered with no copay. Chiropractic Services are covered with a $20 copay, but routine care is not covered. Occupational Therapy Services have a $25 copay. Physician Specialist Services have a $25 copay. Mental Health and Psychiatric Services have a $25 copay for individual and group sessions. Physical Therapy and Speech-Language Pathology Services have a $25 copay. Opioid Treatment Program Services have a copay ranging from $0 to $195.
Preventive Services See details
The Freedom VIP Rewards (HMO C-SNP) plan covers Medicare-covered preventive services, with no copay. Additional preventive services, including Fitness Benefit, Personal Emergency Response System (PERS), Remote Access Technologies, and Home and Bathroom Safety Devices and Modifications, are covered with no copay. Kidney Disease Education Services, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit are also covered with no copay. However, the plan does not cover annual physical exams, health education, in-home safety assessments, 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, and counseling services.
Hearing Services See details
Freedom VIP Rewards (HMO C-SNP) covers hearing exams, routine hearing exams, and fitting/evaluation for hearing aids with no copay. Prescription Hearing Aids are covered, with a maximum plan benefit of $750.00 per year. Prescription Hearing Aids - Inner Ear, Prescription Hearing Aids - Outer Ear, Prescription Hearing Aids - Over the Ear, and OTC Hearing Aids are not covered.
Vision Services See details
Vision services include eye exams and eyewear. Eye exams have no copay, and routine eye exams are covered once per year. Eyewear has no copay, and contact lenses and eyeglasses (lenses and frames) are covered once per year, up to a combined maximum of $300.00. Upgrades have a $30 copay.
Dental Services See details
The Freedom VIP Rewards (HMO C-SNP) plan covers dental services, including oral exams, dental x-rays, cleaning, fluoride treatments, periodontics, and oral and maxillofacial surgery with no copay. Adjunctive general services, endodontics, prosthodontics (removable and fixed), maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs, are covered. There is a $35 copay for Medicare Part B Insulin Drugs, while the coinsurance for Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs ranges from 0% to 20%.
Dialysis Services See details
Dialysis Services are covered under the Freedom VIP Rewards (HMO C-SNP) plan. You will pay 20% coinsurance for these services.
Medical Equipment See details
The Freedom VIP Rewards (HMO C-SNP) plan covers Durable Medical Equipment (DME) with 20% coinsurance, and Prosthetics/Medical Supplies with 20% coinsurance, and Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts with no copay. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered. Diagnostic Procedures/Tests have a coinsurance of at most 20% and a copay of up to $195, while Lab Services have no copay. Diagnostic Radiological Services have a copay of up to $195, Therapeutic Radiological Services have a coinsurance of at most 20%, and Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered by the Freedom VIP Rewards (HMO C-SNP) plan 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 VIP Rewards (HMO C-SNP) plan. Prior authorization and a doctor referral are required, but the plan does not cover any of the sub-services, including Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Freedom VIP Rewards (HMO C-SNP) plan, requiring prior authorization and a doctor's referral. There is no copay for days 1-20, and a $150 copay for days 21-100; additional days beyond Medicare-covered, and non-Medicare-covered stays are not covered.
Other Services See details
The Freedom VIP Rewards (HMO C-SNP) plan covers over-the-counter items with no copay. The plan also covers a meal benefit with no copay, but requires prior authorization and a doctor referral. Other services such as acupuncture, and several other services are not covered.
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