Freedom Platinum Plan Rx (HMO) Medicare Advantage Plan H5427-089 • 2026
Freedom Platinum Plan Rx is a Medicare Advantage HMO plan offered by Freedom Health, Inc. for the 2026 plan year. It uses a Health Maintenance Organization (HMO) provider network and comes with prescription drug coverage. CMS Plan ID H5427-089 identifies this plan.
Freedom Platinum Plan Rx Overview
Plan Overview for
H5427-089-0
|
|
|---|---|
| CMS Plan ID: |
H5427-089-0
|
| Plan Type: | HMO |
| Plan Year: | 2026 |
| Monthly Premium: |
$0.00
Plus your Medicare Part B premium. |
| Medical Deductible: | $0.00 |
| Maximum Out-of-Pocket: | $2000.00 (In-Network) |
| Part B Give Back: | Not offered |
| Prescription Drug Coverage: | Enhanced, $0.00 deductible |
| Additional Benefits: | Dental, Vision, Hearing |
| Service Area: | See List |
| Enrollment (Nationwide): | 1,003 beneficiaries |
| Provided By: | Freedom Health, Inc. |
Plan Availability
Freedom Platinum Plan Rx (H5427-089-0) is available in the following locations (click to open):
Plan Details for Freedom Platinum Plan Rx
With a monthly premium of $0.00, Freedom Platinum Plan Rx is a Medicare Advantage HMO plan that includes hospital, medical, and prescription drug coverage under Medicare Parts A and B. Services are generally covered when received from in-network providers, except in emergency situations. The annual Part D deductible is $0.00.
Primary care visits have a $0 copay, specialist visits come with a $0 copay, urgent care services carry a $10 copay, and ambulance transportation is $200 copay. These costs apply toward the maximum out-of-pocket (MOOP) limit of $2000.00. Once this limit is reached, in-network services are fully covered for the remainder of the year.
This plan is listed by CMS under Plan ID H5427-089. Cost-sharing details are provided below.
Cost Sharing Expenses
Freedom Platinum Plan Rx has cost-sharing, meaning there are out-of-pocket costs when receiving covered healthcare services. The table below details the most common in-network out-of-pocket expenses for plan H5427-089.
Certain preventive services are covered 100% by Freedom Platinum Plan Rx as a Part B benefit.
Prescription Drug Coverage
Freedom Platinum Plan Rx includes a Medicare Part D prescription drug plan (PDP). Plan type and coverage level are defined by CMS and may vary between basic and enhanced benefit designs.
This plan includes an enhanced benefit Medicare Part D plan (PDP), providing coverage beyond the standard CMS-defined minimum.
Prescription Drug Plan Premium
The Part D prescription drug plan premium is included in the overall Medicare Advantage plan cost. Additional adjustments may apply through the Low-Income Subsidy (LIS) program, also known as Extra Help, administered by Social Security. LIS benefits are separate from Medicare Advantage coverage.
| Basic Part D Premium: | $0.00 |
|---|---|
| Supplemental Part D Premium: | $0.00 |
| Total Part D Premium: | $0.00 |
| Low-Income Premium Subsidy: | $4.82 |
| Low-Income Premium Subsidy Paid by CMS: | $0.00 |
| Low-Income Subsidy Premium: | $0.00 |
For more details, visit the Social Security Extra Help program.
Prescription Drug Plan Deductible
This plan has a $0.00 annual Part D deductible. You'll pay this deductible at the pharmacy before Freedom Health, Inc. starts contributing towards your prescription costs.
Prescription Drug Plan Out-of-Pocket Costs
Beyond premiums and deductibles, Freedom Platinum Plan Rx may have additional costs at pharmacies. The table below outlines out-of-pocket expenses by drug tier.
| Drug Tier | Retail | Mail Order |
|---|---|---|
| Preferred Generic | $0.00 copay | Coming soon |
| Preferred Brand | $30.00 copay | Coming soon |
| Non-Preferred Drug | $75.00 copay | Coming soon |
| Specialty Tier | 33% coinsurance | Coming soon |
| *Deductible does not apply. | ||
Medicare Plan Star Ratings
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.
| CMS Measure | Star Rating |
|---|---|
| 2026 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 |
How much does plan H5427-089 cost per month?
The plan’s monthly premium is $0.00 for 2026. The Part B premium is not included.
What is the annual out-of-pocket maximum (MOOP) for this plan?
The annual in-network MOOP is $2000.00 for 2026. After this limit is reached, covered in-network services are fully paid.
What is the CMS star rating for Freedom Platinum Plan Rx?
The 2026 CMS star rating for Freedom Platinum Plan Rx is ★4.5 out of 5.
How many beneficiaries are enrolled in this plan?
CMS reports 1,003 beneficiaries enrolled in this plan.
What is the prescription drug deductible for 2026?
For 2026, the prescription drug deductible is $0.00.
Contact Information for Freedom Health, Inc.
| Contact Type | Details |
|---|---|
| Website: | Freedom Health, Inc. Plan Page |
| New Members: | 1-833-668-2275 |
| Existing Members: | 1-800-401-2740 |
| Plan Address: | 4200 West Cypress Street | Suite 1000 | Tampa, FL 33607 |
Enrollment status and eligibility information are available through the Social Security Administration. Additional information about Medicare Advantage is available at medicare.gov.
| Data Source | Publisher | Last Accessed |
|---|---|---|
| Landscape Source Files | Centers for Medicare & Medicaid Services | September 8, 2026 |
| Medicare Part C & D Performance | Centers for Medicare & Medicaid Services | September 8, 2026 |
| Plan Benefits Package | Centers for Medicare & Medicaid Services | September 8, 2026 |
| Monthly Enrollment by Contract/Plan/State/County | Centers for Medicare & Medicaid Services | September 8, 2026 |
Data sources and methodology documentation.
| Publisher | Reference | Last Accessed |
|---|---|---|
| Freedom Health, Inc. (official source) | http://www.FreedomHealth.com | October 13, 2025 |
| 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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