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Freedom Savings Plan (HMO) Medicare Advantage Plan H5427-052 • 2027 • Pasco County, FL

CMS Rating: ☆☆☆☆☆ (4.0 out of 5 stars*)
Monthly Premium
$0.00Plus Part B premium.
Medical Deductible
$0.00
Maximum Out-of-Pocket
$4450.00In-network
Part B Giveback
−$75.00 reduction
Prescription Coverage
Not Included
Additional Benefits
Dental, Vision, Hearing
Service Area
Pasco County, FL
Local Enrollment
0 beneficiaries in Pasco County
Last update:

Freedom Savings Plan (HMO) Introduction

Freedom Savings Plan is a Medicare Advantage HMO plan offered by Freedom Health, Inc.. It uses a Health Maintenance Organization (HMO) provider network and comes without prescription drug coverage. For the 2027 plan year it has a $0.00 monthly premium, $0.00 medical deductible, and $4450.00 in-network maximum out-of-pocket. CMS Plan ID H5427-052 identifies this plan.

This plan is available to eligible residents of Pasco County, Florida. CMS reports 0 beneficiaries enrolled in this plan in Pasco County. For assistance with this plan, new members can call (833)668-2275 (TTY 711).

Compare Similar Plans in Pasco County

Compare this plan with the two most-enrolled HMO plans available in Pasco County, Florida. Enrollment is based on CMS local enrollment data.

HMO plan comparison for Pasco County, Florida
Plan Detail Freedom Savings Plan Humana Gold Plus Giveback H1036-265 Optimum Gold Rewards Plan
CMS Plan ID H5427-052-0 H1036-265-1 H5594-001-0
Local Enrollment 0 11,278 5,466
Monthly Premium $0.00 $0.00 $0.00
Medical Deductible $0.00 $0.00 $0.00
Maximum Out-of-Pocket $4,450.00 $2,400.00 $1,900.00
Part B Giveback −$75.00 reduction −$166.80 reduction −$202.90 reduction
Primary Care $0 copay $0 copay $0 copay
Specialist $40 copay $10 copay $10 copay
Part D Deductible Not Applicable $0.00 $0.00
CMS Star Rating 4.0 4.5 4.5
Dental $0 copay $0 copay $0 copay
Vision $0 copay $0 copay $0 copay
Hearing $0 copay $0 copay $0 copay

Plan Benefits

Freedom Savings Plan has cost-sharing, meaning there are out-of-pocket costs when receiving covered healthcare services. The tables below detail the most common in-network out-of-pocket expenses for plan H5427-052.

You can also compare 2027 costs and coverage with last year, side-by-side: Plan H5427-052-0 Cost Compare.

Office Visits

Primary care
In-network: $0 copay
Specialist
In-network: $40 copay

Preventive and Wellness Services

Annual wellness exam
Not covered
Telehealth benefit
Not covered
Routine chiropractic
Not covered
Fitness benefits
Coming soon
Health education
Not covered
Counseling services
Not covered
Over-the-counter drug benefits
In-network: $0 copay
Health transportation (non-emergency)
Coming soon

Diagnostic, Lab, and Imaging Services

Diagnostic radiology services
In-network: $25-$195 copay
Lab services
In-network: $0-$50 copay
Outpatient x-rays
In-network: $0-$195 copay
Diagnostic tests and procedures
In-network: $0-$195 copay, 20% coinsurance

Emergency and Urgent Care Services

Emergency room care
$150 copay
Worldwide emergency care
Coming soon
Urgent care
$10 copay
Inpatient hospital care
Tier 1
$225 per day for days 1-7
$0 per day for days 8-90
$0 per stay
Skilled Nursing Facility
Tier 1
$0 per day for days 1-20
$218 per day for days 21-100
Ground ambulance
In-network: $200 copay

Mental Health Services

Outpatient individual therapy
In-network: $40 copay
Outpatient group therapy
In-network: $40 copay
Inpatient psychiatric hospital care
Tier 1
$225 per day for days 1-7
$0 per day for days 8-90
$0 per stay

Rehabilitation Services

Physical therapy and speech and language therapy
In-network: $40 copay
Occupational therapy
In-network: $40 copay

Medical Equipment and Supplies

Diabetes supplies
In-network: 0%-20% coinsurance
Durable medical equipment
In-network: 20% coinsurance
Prosthetics
In-network: 20% coinsurance

Medicare Part B Drugs

Chemotherapy
In-network: 0%-20% coinsurance
Other Part B drugs (Medicare-covered)
In-network: 0%-20% coinsurance

Dental Services

Oral exam
In-network: $0 copay
Dental x-rays
In-network: $0 copay
Cleaning
In-network: $0 copay
Periodontics
Not covered
Endodontics
Not covered
Restorative services
Not covered
Implant services
Not covered
Orthodontics
Not covered
Oral/Maxillofacial surgery
In-network: $0 copay

Vision Services

Routine eye exam
In-network: $0 copay
Contact lenses
In-network: $10 copay
Eyeglass frames only
Not covered
Eyeglass lenses only
Not covered
Eyeglasses (frames & lenses)
In-network: $10 copay
Upgrades
In-network: $30 copay

Hearing Services

Hearing exam
In-network: $0 copay
Fitting/evaluation
In-network: $0 copay
Prescription hearing aids
In-network: $0 copay
OTC hearing aids
Not covered

Additional and Special Needs Services

Adult day health services
Not covered
Home-based palliative care
Not covered
Personal emergency response system
Coming soon
Weight management programs
Not covered
Wigs for chemotherapy-related hair loss
Coming soon
Alternative therapies
Not covered
Massage therapy
Not covered
Home/bathroom safety devices
Not covered

Certain preventive services are covered 100% by Freedom Savings Plan as a Part B benefit.

Prescription Drug Coverage

This plan does not include a Medicare Part D plan for prescriptions.

CMS 5-Star Performance Ratings (Contract ID: H5427)

Medicare Advantage (Part C) and Part D plans are rated each year by CMS on a 5-star scale. Ratings summarize plan performance across clinical care and member experience measures.

2027 Medicare Star Ratings for Contract H5427
CMS Measure Star Rating
2027 Overall Rating ☆☆☆☆☆
Staying Healthy: Screenings, Tests, Vaccines ☆☆☆☆☆
Managing Chronic (Long Term) Conditions ☆☆☆☆☆
Member Experience with Health Plan ☆☆☆☆☆
Complaints and Changes in Plans Performance ☆☆☆☆☆
Health Plan Customer Service ☆☆☆☆☆
Drug Plan Customer Service ☆☆☆☆☆
Complaints and Changes in the Drug Plan ☆☆☆☆☆
Member Experience with the Drug Plan ☆☆☆☆☆
Drug Safety and Accuracy of Drug Pricing ☆☆☆☆☆
Medicare Plan Data Sources and Methodology
Primary CMS datasets used for this Medicare Advantage Plan resource.
Data Source Publisher CMS Version
Landscape Source Files Centers for Medicare & Medicaid Services CY2027 Landscape (202609.1)
Medicare Part C & D Performance Centers for Medicare & Medicaid Services 2027 Star Ratings Data Tables
Plan Benefits Package Centers for Medicare & Medicaid Services PBP Benefits-2027
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services 2026-09

Data sources and methodology documentation.

Official plan information and secondary Medicare references.
Publisher Reference Last Accessed
Freedom Health, Inc. (official source) http://www.FreedomHealth.com October 4, 2026
Medicare.gov Understanding Medicare Advantage Plans 25 May, 2025
NCOA.org 5 Steps to Choosing the Right Medicare Plan for You 25 May, 2025
Medicare.gov Explore your Medicare coverage options 25 May, 2025

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Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard.