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Freedom Máximo (HMO-POS)

Florida Medicare Advantage 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 Overview

Plan Name
Freedom Máximo (HMO-POS)
Insurance Carrier
Freedom Health, Inc.
Plan Type
Medicare Advantage Plan With Part D Prescription Drug Coverage
Network Type
HMO

Freedom Máximo (HMO-POS) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, 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.

Cost Summary

Monthly Premium
$0
Annual Deductible
$0
Max Out-of-Pocket
$3,400
Primary doctor visit
$0 copay
Specialist visit
$10 copay per visit
ER visit
$120 copay per visit (always covered)
Ambulance
$200 copay

Freedom Máximo (HMO-POS) has a monthly premium cost of $0 per month, with an annual deductible of $0 and a maximum out of pocket cost sharing of $3,400 In and Out-of-network $3,400 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 Máximo (HMO-POS) are defined below.

Additional Benefits and Coverage

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

Freedom Máximo (HMO-POS) 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 Máximo (HMO-POS) includes coverage for hearing, vision, dental.

Medicare Advantage health plans can offer even more additional benefits. Freedom Máximo (HMO-POS) 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
Not covered
Meals for short duration
Limited coverage
Annual physical exams
Not covered
Telehealth
Limited coverage

Comparing the Quality Score of Freedom Máximo (HMO-POS) to Other Plans in Florida

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 Máximo (HMO-POS) received an overall government quality rating of 4.0 stars out of 5 stars.

Freedom Máximo (HMO-POS) 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 Máximo (HMO-POS) 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 Máximo (HMO-POS) 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.

Plan Benefits and Coverage Details

Monthly Premium
$0
Health Portion of Premium
$0
Drug Portion of Premium
$0
Health Plan Deductible
$0
Health Plan Max Out-of-Pocket
$3,400 In and Out-of-network
$3,400 In-network
Nationwide Coverage included
No
Hearing Coverage included
Yes
Vision Coverage included
Yes
Dental Coverage included
Yes
Doctor Lookup Link
http://www.FreedomHealth.com
Plan Link
http://www.FreedomHealth.com

Medical Benefits

Doctor Services

Primary doctor visit
In-network: $0 copay
Out-of-network: $0 copay
Specialist visit
In-network: $10 copay per visit
Out-of-network: $10 copay per visit

Tests, labs, & imaging

Diagnostic tests & procedures
In-network: $0-195 copay or 20% coinsurance
Out-of-network: $0-195 copay or 20% coinsurance
Lab services
In-network: $0-50 copay
Out-of-network: $0-50 copay
Diagnostic radiology services (like MRI)
In-network: $25-195 copay
Out-of-network: $25-195 copay
Outpatient x-rays
In-network: $0-195 copay
Out-of-network: $0-195 copay
Emergency care
$120 copay per visit (always covered)
Urgent care
$10 copay per visit (always covered)

Hospital Services

Inpatient hospital coverage
In-network: $195 per day for days 1 through 5
$0 per day for days 6 through 90
Out-of-network: $195 per day for days 1 through 5
$0 per day for days 6 through 90
Outpatient hospital coverage
In-network: $195 copay per visit
Out-of-network: $195 copay per visit

Skilled nursing facility

Skilled nursing facility
In-network: $0 per day for days 1 through 20
$150 per day for days 21 through 100
Out-of-network: $0 per day for days 1 through 20
$150 per day for days 21 through 100

Preventive services

Preventive services
In-network: $0 copay
Out-of-network: $0 copay

Ambulance

Ground ambulance
In-network: $200 copay
Out-of-network: $200 copay

Therapy services

Occupational therapy visit
In-network: $10 copay
Out-of-network: $10 copay
Physical therapy & speech & language therapy visit
In-network: $10 copay
Out-of-network: $10 copay

Mental health services

Outpatient group therapy with a psychiatrist
In-network: $10 copay
Out-of-network: $10 copay
Outpatient individual therapy with a psychiatrist
In-network: $10 copay
Out-of-network: $10 copay
Outpatient group therapy visit
In-network: $10 copay
Out-of-network: $10 copay
Outpatient individual therapy visit
In-network: $10 copay
Out-of-network: $10 copay

Opioid treatment services

Opioid treatment services
Covered

Other services

Durable medical equipment (like wheelchairs & oxygen)
In-network: 20% coinsurance per item
Out-of-network: 20% coinsurance per item
Prosthetics (like braces, artificial limbs)
In-network: 20% coinsurance per item
Out-of-network: 20% coinsurance per item
Diabetes supplies
In-network: 0-20% coinsurance per item
Out-of-network: 0-20% coinsurance per item

Prescription Drug Benefits

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$35.00 copay$0 copay
Non-Preferred Drug$90.00 copay$0 copay
Specialty Tier33% coinsurance$0 copay

Part B Drugs

Chemotherapy drugs
In-network: 0-20% coinsurance
Out-of-network: 0-20% coinsurance
Other Part B drugs
In-network: 0-20% coinsurance
Out-of-network: 0-20% coinsurance

Extra Benefits

Hearing

Hearing exam
In-network: $0 copay
Out-of-network: $0 copay
Fitting/evaluation
In-network: $0 copay
Hearing aids - All types
In-network: $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
Not covered
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
In-network: $0 copay
Contact lenses
In-network: $0 copay
Eyeglasses (frames & lenses)
In-network: $0 copay
Eyeglass frames (only)
Not covered
Eyeglass lenses (only)
Not covered
Upgrades
In-network: $30 copay

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