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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 2025, 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 out of 5 stars in 2025.
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 $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 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) plan has a $0 deductible for prescription drugs. During the initial coverage phase, you will pay a copay or coinsurance for your medications, depending on the drug tier and pharmacy used. For example, preferred generic drugs have a $35 copay, while standard generic drugs have an $85 copay at preferred pharmacies. Once your total drug costs reach $2,000, you enter the catastrophic coverage phase, where you pay nothing for Part D covered drugs.
Additional Benefits
The Freedom Máximo (HMO-POS) plan offers comprehensive coverage with varying cost-sharing. It features no copays for many services, including primary care, preventive services, hearing exams, vision exams, dental services, home health, and OTC items. However, some services like inpatient hospital stays, outpatient services, emergency services, and ambulance services have copays, while others, such as dialysis, medical equipment, and diagnostic services, involve coinsurance. The plan also provides specific copays for particular services, such as partial hospitalization, chiropractic services, specialist visits, and prescription hearing aids. Transportation to health-related locations is available with no copay, but is limited to 20 one-way trips. The plan has a maximum benefit of $75.00 per month for OTC items.
Inpatient Hospital See details
Inpatient Hospital benefits, including Acute and Psychiatric, are covered, but require prior authorization and a doctor's referral. For days 1-5, the copay is $195, and there is no copay for days 6-90; additional days and non-Medicare covered stays are not covered.
Outpatient Services See details
Outpatient Services include coverage for Outpatient Hospital Services, Observation Services, Ambulatory Surgical Center (ASC) Services, Outpatient Substance Abuse Services, and Outpatient Blood Services. Outpatient Hospital Services and Observation Services have a $195 copay, while Ambulatory Surgical Center (ASC) Services have a $25 copay, and Outpatient Blood Services have no copay. Outpatient Substance Abuse Services have copays ranging from $10 to $195.
Partial Hospitalization See details
Partial Hospitalization is covered, but requires prior authorization and a doctor referral. You will have a $55 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Freedom Máximo (HMO-POS) plan. Ground ambulance services have a $200 copay, while air ambulance services have a 20% coinsurance; transportation services to a plan-approved health-related location have no copay and are limited to 20 one-way trips per year.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the Freedom Máximo (HMO-POS) plan. Emergency Services have a $120 copay, Urgently Needed Services have a $10 copay, and Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have a $500 copay.
Primary Care See details
Primary Care services include coverage for Primary Care Physician Services with no copay, Chiropractic Services with a $10 copay (routine care not covered), Occupational Therapy Services with a $10 copay, Physician Specialist Services with a $10 copay, Mental Health Specialty Services with a $10 copay for individual and group sessions, Other Health Care Professional services with a copay between $0 and $10, Psychiatric Services with a $10 copay for individual and group sessions, Physical Therapy and Speech-Language Pathology Services with a $10 copay, Additional Telehealth Benefits, and Opioid Treatment Program Services with a copay between $0 and $195. Podiatry Services are not covered.
Preventive Services See details
The Freedom Máximo (HMO-POS) plan covers Medicare-covered preventive services with no copay, and also covers additional preventive services. The plan does not cover annual physical exams, and some other preventive services such as health education, in-home safety assessments, and personal emergency response systems.
Hearing Services See details
The Freedom Máximo (HMO-POS) plan covers hearing exams and fitting/evaluation for hearing aids with no copay, and up to $750 per year for prescription hearing aids, with no copay for Prescription Hearing Aids (all types). Prescription Hearing Aids - Inner Ear, Outer Ear, and Over the Ear are not covered, and OTC hearing aids are not covered.
Vision Services See details
Vision Services include eye exams and eyewear. Eye exams and eyewear have no copay. Eyeglasses (lenses and frames) and contact lenses are covered, while eyeglass lenses and eyeglass frames are not covered. Upgrades have a $30 copay.
Dental Services See details
Freedom Máximo (HMO-POS) covers Medicare Dental Services, Oral Exams, Dental X-Rays, Prophylaxis (Cleaning), Fluoride Treatment, 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 are covered, requiring prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, the coinsurance is between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the Freedom Máximo (HMO-POS) plan. You will pay 20% coinsurance for dialysis services.
Medical Equipment See details
Medical Equipment is covered by the Freedom Máximo (HMO-POS) plan. Durable Medical Equipment (DME) has a 20% coinsurance, while Durable Medical Equipment for use outside the home is not covered. Prosthetics/Medical Supplies have a 20% coinsurance. Diabetic Supplies have a coinsurance between 0% and 20%, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, diagnostic procedures/tests, and lab services. Diagnostic procedures/tests have a copay of up to $195 and a coinsurance of at least 20%, while lab services have no copay. Radiological Services include coverage for diagnostic and therapeutic radiological services, as well as outpatient X-ray services. Diagnostic radiological services have a copay of at least $25, and up to $195, while therapeutic radiological services have a coinsurance of at least 20%, and outpatient X-ray services have no copay.
Home Health Services See details
Home Health Services are covered by the Freedom Máximo (HMO-POS) 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 covered, but not the Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services. Prior authorization and a doctor referral are required, and there is a copay, but the amount is not specified.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are covered by the Freedom Máximo (HMO-POS) plan, but require prior authorization and a doctor referral. For days 1-20, there is no copay, and for days 21-100, the copay is $150. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
The Freedom Máximo (HMO-POS) plan covers Over-the-Counter (OTC) Items with no copay and a maximum benefit coverage amount of $75.00 per month, and Meal Benefit services with no copay, but 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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