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Freedom Máximo (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Freedom Máximo (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Freedom Máximo (HMO-POS) in 2026, please refer to our full plan details page.
Freedom Máximo (HMO-POS) is a HMO-POS plan offered by Elevance Health, Inc. available for enrollment in 2025 to people living in Select counties in Florida. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that Freedom Máximo (HMO-POS) 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 Máximo (HMO-POS).
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 Máximo (HMO-POS), 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 combined Maximum Out-Of-Pocket cost of $3400.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $3400.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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 Máximo (HMO-POS) Medicare plan features a $0 drug deductible, allowing your prescription drug coverage to begin immediately. Tier 1 preferred generic drugs are highly affordable with no copay for one, two, or three-month supplies at preferred, standard, and standard mail-order pharmacies. Tier 2 preferred brand drugs require a $10 copay for a one-month supply, which goes up to $30 for a three-month retail supply or a discounted $20 for a three-month standard mail-order supply. For Tier 3 non-preferred drugs, copays start at $50 for a one-month supply at preferred pharmacies and standard mail-order, and $55 at standard retail pharmacies. Tier 4 specialty drugs require a 33% coinsurance for a one-month supply at all available pharmacy types. This structured pricing helps you easily plan your monthly and long-term medication expenses.
Additional Benefits
The Freedom Máximo (HMO-POS) plan offers comprehensive medical coverage with low out-of-pocket costs for essential services. Members enjoy no copays and no coinsurance for primary care doctor visits, routine preventive care, and home health services, while specialist visits require a $15 copay. For inpatient hospital stays, there is a $195 daily copay for the first five days and no copay thereafter, while emergency room visits carry a $150 copay that is waived if you are admitted. This plan also features robust supplemental benefits, including no copays or coinsurance for routine dental cleanings, annual vision exams with a $300 eyewear allowance, and yearly hearing exams with up to $750 per ear for prescription hearing aids. Additionally, members receive up to 20 one-way transportation trips per year and a $50 monthly allowance for over-the-counter items with no copay. Durable medical equipment and dialysis services are also covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital care is partially covered by Freedom Máximo (HMO-POS) with no coinsurance and a copay of $195 per day for days 1 through 5, and no copay for days 6 through 90. Both acute and psychiatric stays require prior authorization and referrals, while additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Freedom Máximo (HMO-POS) covers outpatient hospital and observation services with a $195 copay and no coinsurance, and ambulatory surgical center services with a $25 copay and no coinsurance. Outpatient substance abuse services carry a $15 to $195 copay with no coinsurance, while outpatient blood services are available with no copay, no coinsurance, and no deductible.
Partial Hospitalization See details
Freedom Máximo (HMO-POS) covers partial hospitalization benefits with a $55.00 copay and no coinsurance. Prior authorization and a referral are required to access these covered services.
Ambulance and Transportation Services See details
Freedom Máximo (HMO-POS) covers ground ambulance services with a $200 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay. Transportation services are partially covered, offering up to 20 one-way trips per year to plan-approved locations with no copay or coinsurance, though transportation to any health-related location is not covered.
Emergency Services See details
Freedom Máximo (HMO-POS) covers emergency services with a $150 copay, which is waived if admitted to the hospital within 72 hours, and no coinsurance. Urgently needed services require a $10 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered up to a $100,000 lifetime maximum with a $500 copay per service and no coinsurance.
Primary Care See details
Freedom Máximo (HMO-POS) covers primary care physician services with no copay and no coinsurance, while specialist visits, therapies, and mental health services require a $15 copay and no coinsurance. Podiatry and chiropractic services are not covered, but telehealth is included, and opioid treatment services have copays ranging from $0 to $195 with no coinsurance.
Preventive Services See details
Freedom Máximo (HMO-POS) preventive services are partially covered with no copay and no coinsurance for covered benefits, which include Medicare-covered preventive care, kidney disease education, select screenings, remote access, and a fitness benefit of up to $500 annually. However, annual physical exams and supplemental services like health education, in-home safety assessments, PERS, medical nutrition therapy, weight management, and alternative therapies are not covered.
Hearing Services See details
Freedom Máximo (HMO-POS) provides partially covered hearing services with no deductible, no copay, and no coinsurance for annual routine exams and fitting evaluations. Prescription hearing aids are covered up to $750 per ear every year with no copay or coinsurance, though OTC hearing aids and inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by Freedom Máximo (HMO-POS), featuring no copay, no coinsurance, and no deductible for one routine eye exam and one pair of eyeglasses or contact lenses per year up to a $300 limit. Other eye exam services, standalone eyeglass lenses, and standalone eyeglass frames are not covered, though eyewear upgrades are available for a $30 copay.
Dental Services See details
Dental services are partially covered by Freedom Máximo (HMO-POS) with no copay and no coinsurance for covered benefits such as oral exams, cleanings, x-rays, fluoride, restorative services, periodontics, and oral surgery. Non-covered services include other diagnostic, other preventive, adjunctive general, endodontics, prosthodontics, maxillofacial prosthetics, implants, and orthodontics.
Home Infusion bundled Services See details
Freedom Máximo (HMO-POS) covers home infusion bundled services with no copay, subject to prior authorization. Under this benefit, Medicare Part B insulin has a $35 copay and no coinsurance, while chemotherapy and other Part B drugs have no copay and a coinsurance of 0% to 20%.
Dialysis Services See details
Dialysis Services are covered under the Freedom Máximo (HMO-POS) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Freedom Máximo (HMO-POS) covers medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes, with no copay and 20% coinsurance. Diabetic supplies are also covered with no copay and range from no coinsurance up to 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Freedom Máximo (HMO-POS), with prior authorization and referrals required for all services. Lab and outpatient X-ray services feature no copay, while diagnostic procedures and therapeutic radiology incur a 20% coinsurance and copays up to $195, and diagnostic radiology requires a copay of at least $25.
Home Health Services See details
Home health services are covered under the Freedom Máximo (HMO-POS) plan with no copay and no coinsurance. Prior authorization and a referral are required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under Freedom Máximo (HMO-POS) in practice, as all sub-services—including intensive cardiac, pulmonary, and supervised exercise therapy—are listed as not covered and require a $15 copay despite the plan's 0% coinsurance.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Freedom Máximo (HMO-POS) with no coinsurance, offering no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization and referrals are required, and additional days beyond the standard 100 days are not covered.
Other Services See details
Other services under Freedom Máximo (HMO-POS) are partially covered, featuring no copay and no coinsurance for over-the-counter items up to $50 monthly and meal benefits for chronic illnesses. Acupuncture is not covered.
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