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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 $1900.00 (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 $1900.00 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. In the initial coverage phase, you will pay a copay or coinsurance depending on the drug tier and pharmacy you use. For example, preferred generic drugs have a $35 copay, while standard generic drugs have a $70 or $75 copay, depending on the pharmacy. Preferred brand drugs have a 33% coinsurance. After your yearly out-of-pocket drug costs reach $2000, you will enter the catastrophic coverage phase and pay nothing for covered drugs.
Additional Benefits
The Freedom Máximo (HMO-POS) plan offers a variety of benefits, including coverage for inpatient and outpatient services, with varying copays for different services. Emergency and urgent care services are covered, as are primary care, preventive, hearing, vision, and dental services, often with no copay. Additionally, the plan covers home health, home infusion, dialysis, medical equipment, and diagnostic services, with some services requiring coinsurance. This plan also includes coverage for ambulance and transportation, with a copay for ground ambulance and coinsurance for air ambulance, as well as transportation to health-related locations with no copay. The plan covers other services such as over-the-counter items and meal benefits. However, some services like cardiac rehabilitation, certain vision services, and additional hours of care are not covered.
Inpatient Hospital See details
Inpatient Hospital services, including acute and psychiatric care, require prior authorization and a doctor's referral. For days 1-5, there is a $95 copay, and for days 6-90, there is no copay.
Outpatient Services See details
Outpatient Services includes coverage for all outpatient hospital services, observation services, ambulatory surgical center (ASC) services, and outpatient substance abuse services. Outpatient Hospital Services and Observation Services have a $95 copay, ASC services have a $25 copay, and outpatient substance abuse services have a copay between $10 and $95 depending on the service. Outpatient Blood Services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered with a $55 copay and requires prior authorization and a doctor referral.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required. Ground ambulance services have a $200 copay, while air ambulance services have 20% coinsurance. Transportation services to plan-approved health-related locations are covered with no copay, up to 20 one-way trips per year. Transportation services to any health-related location is not covered.
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, while Urgently Needed Services have a $10 copay. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation each 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 is 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 $95. Podiatry Services are not covered.
Preventive Services See details
The Freedom Máximo (HMO-POS) plan covers preventive services, including Medicare-covered services with no copay, and additional preventive services with a copay for Fitness Benefit and Remote Access Technologies. Other services like annual physical exams, health education, and many others are not covered.
Hearing Services See details
The Freedom Máximo (HMO-POS) plan covers hearing exams with no copay, as well as routine hearing exams and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered with a maximum plan benefit of $750 per year, and prescription hearing aids (all types) are covered with no copay, but inner ear, outer ear, and over the ear prescription hearing aids are not covered. OTC hearing aids are not covered.
Vision Services See details
Vision services are covered, including eye exams and eyewear. Eye exams and eyewear have no copay, with coverage including routine eye exams, contact lenses, and eyeglasses (lenses and frames). Eyeglass lenses and frames are not covered, and upgrades have a $30 copay.
Dental Services See details
The Freedom Máximo (HMO-POS) plan covers dental services, including 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 under the Freedom Máximo (HMO-POS) plan, which includes coverage for Medicare Part B Insulin Drugs with a $35 copay and Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with coinsurance between 0-20%. Prior authorization is required for these services.
Dialysis Services See details
Dialysis Services are covered by the Freedom Máximo (HMO-POS) plan. The coinsurance for these services is between 20% and 20%.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance with no copay, while Durable Medical Equipment for use outside the home is not covered. Prosthetic devices, medical supplies, and diabetic therapeutic shoes/inserts have a 20% coinsurance with no copay, while diabetic supplies have a 0-20% coinsurance with no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, with a coinsurance, and lab services, with no copay. Diagnostic Procedures/Tests have a copay of up to $95 and a coinsurance of at least 20%, while Diagnostic Radiological Services have a copay of at least $25. 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 not covered by the Freedom Máximo (HMO-POS) plan, including Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services. A doctor referral and prior authorization are required for the services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Freedom Máximo (HMO-POS) plan, but require prior authorization and a doctor's referral. For days 1-20, there is no copay, and for days 21-100, the copay is $172. Additional days beyond Medicare-covered, as well as non-Medicare-covered stays, are not covered.
Other Services See details
Other Services includes coverage for Over-the-Counter (OTC) Items with no copay, up to $75 monthly, and Meal Benefits with no copay, though 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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