Freedom VIP Care (HMO C-SNP)

Florida Chronic Condition Special Needs C-SNP Plan (2025 Plan)


Monthly Premium

Your Cost
$0
by Freedom Health, Inc.

Additional Coverage

HearingVisionDental

Overall Government Star Rating

 4.0
out of 5 stars

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Plan Name
Freedom VIP Care (HMO C-SNP)
Insurance Carrier
Freedom Health, Inc.
Plan Type
Chronic Condition Special Needs Plan (C-SNP)
Network Type
HMO

Freedom VIP Care (HMO C-SNP) is a Chronic Condition Special Needs Plan (C-SNP), which is available in Florida and offered by the health insurance company Freedom Health, Inc.. This plan’s network type is HMO which determines in-network doctors who accept the health plan and whether a referral is needed.

Monthly Premium
$0
Annual Deductible
$0
Max Out-of-Pocket
$1,000
Primary doctor visit
$0 copay
Specialist visit
$0 copay
ER visit
$120 copay per visit (always covered)
Ambulance
$200 copay

Freedom VIP Care (HMO C-SNP) has a monthly premium cost of $0 per month, with an annual deductible of $0 and a maximum out of pocket cost sharing of $1,000 In-network. The most common benefit costs which people evaluate when choosing a plan are costs for a primary doctor visit, specialist doctor visit, emergency room visit, and ambulance. These costs are listed in this summary section and a full list of benefit costs for Freedom VIP Care (HMO C-SNP) are defined below.

Yes
Part D Prescription Drug Coverage
Yes
Dental
Yes
Vision
Yes
Hearing

Freedom VIP Care (HMO C-SNP) is a Medicare Advantage plan which does include Medicare Part D Prescription Drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. Freedom VIP Care (HMO C-SNP) includes coverage for hearing, vision, dental.

Medicare Advantage health plans can offer even more additional benefits. Freedom VIP Care (HMO C-SNP) includes coverage for the following additional benefits:

Other benefits

Fitness benefit
Limited coverage
Over the counter drug benefits
Limited coverage
In-home support services
Not covered
Home and bathroom safety devices
Limited coverage
Meals for short duration
Limited coverage
Annual physical exams
Not covered
Telehealth
Limited coverage

Each year the federal government evaluates the quality of Medicare Advantage and Part D Prescription Drug plans based on a 5-star scoring system. For 2025, Freedom VIP Care (HMO C-SNP) received an overall government quality rating of 4.0 stars out of 5 stars.

Freedom VIP Care (HMO C-SNP) performed the same as Florida’s State average overall quality score of 4.0 stars.

This Plan’s 5-star Gov’t Quality Score
Florida State Average Score
Overall Government 5 Star Quality Rating
 4.0
 4.0
Summary rating of health plan quality
 3.5
 4.0
Staying healthy: screenings, tests, & vaccines
 4
 4.0
Managing chronic (long term) conditions
 4
 3.9
Member experience with health plan
 3
 3.9
Member complaints & changes in the health plan's performance
 4
 3.8
Health plan customer service
 5
 4.2
Summary rating of drug plan quality
 4
 3.9
Drug plan customer service
 4
 4.1
Member complaints & changes in the drug plan's performance
 4
 3.6
Member experience with the drug plan
 4
 4.2
Drug safety & accuracy of drug pricing
 4
 3.5

The government calculates an “Overall star rating” based on ratings for sub components including “Health plan star rating” and “Drug plan star rating”, which includes further subcomponents of each.

Freedom VIP Care (HMO C-SNP) received 3.5 stars for its health plan quality score which is worse than the Florida State average health plan quality score of 4.0 stars.

Freedom VIP Care (HMO C-SNP) received 4 stars for its drug plan quality score which is better than the Florida State average drug plan quality score of 3.9 stars.


Monthly Premium
$0
Health Portion of Premium
$0
Drug Portion of Premium
$0
Health Plan Deductible
$0
Health Plan Max Out-of-Pocket
$1,000 In-network
Nationwide Coverage included
No
Hearing Coverage included
Yes
Vision Coverage included
Yes
Dental Coverage included
Yes

Doctor Services

Primary doctor visit
$0 copay
Specialist visit
$0 copay

Tests, labs, & imaging

Diagnostic tests & procedures
$0-100 copay or 20% coinsurance
Lab services
$0-50 copay
Diagnostic radiology services (like MRI)
$25-100 copay
Outpatient x-rays
$0-100 copay
Emergency care
$120 copay per visit (always covered)
Urgent care
$10 copay per visit (always covered)

Hospital Services

Inpatient hospital coverage
$0 copay per stay
Outpatient hospital coverage
$100 copay per visit

Skilled nursing facility

Skilled nursing facility
$0 per day for days 1 through 20
$150 per day for days 21 through 100

Preventive services

Preventive services
$0 copay

Ambulance

Ground ambulance
$200 copay

Therapy services

Occupational therapy visit
$0 copay
Physical therapy & speech & language therapy visit
$0 copay

Mental health services

Outpatient group therapy with a psychiatrist
$0 copay
Outpatient individual therapy with a psychiatrist
$0 copay
Outpatient group therapy visit
$0 copay
Outpatient individual therapy visit
$0 copay

Opioid treatment services

Opioid treatment services
Covered

Other services

Durable medical equipment (like wheelchairs & oxygen)
20% coinsurance per item
Prosthetics (like braces, artificial limbs)
20% coinsurance per item
Diabetes supplies
$0 copay

Tier drug costs for: Standard retail pharmacy drug cost for 1-month

TiersInitial coverage phaseCatastrophic coverage phase
Preferred Generic$0.00 copay$0 copay
Generic
Preferred Brand$5.00 copay$0 copay
Non-Preferred Drug$55.00 copay$0 copay
Specialty Tier33% coinsurance$0 copay

Part B Drugs

Chemotherapy drugs
0-20% coinsurance
Other Part B drugs
0-20% coinsurance

Hearing

Hearing exam
$0 copay
Fitting/evaluation
$0 copay
Hearing aids - All types
$0 copay

Preventive Dental

Oral exam
In-network: $0 copay
Out-of-network: $0 copay
Cleaning
In-network: $0 copay
Out-of-network: $0 copay
Fluoride treatment
In-network: $0 copay
Out-of-network: $0 copay
Dental x-rays
In-network: $0 copay
Out-of-network: $0 copay

Comprehensive dental

Restorative services
In-network: $0 copay
Out-of-network: $0 copay
Endodontics
Not covered
Periodontics
In-network: $0 copay
Out-of-network: $0 copay
Prosthodontics, removable
In-network: $0 copay
Out-of-network: $0 copay
Prosthodontics, fixed
Not covered
Maxillofacial prosthetics
Not covered
Implant services
Not covered
Oral and maxillofacial surgery
In-network: $0 copay
Out-of-network: $0 copay
Orthodontics
Not covered
Adjunctive general services
Not covered

Vision

Routine eye exam
$0 copay
Contact lenses
$0 copay
Eyeglasses (frames & lenses)
$0 copay
Eyeglass frames (only)
Not covered
Eyeglass lenses (only)
Not covered
Upgrades
$30 copay

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