Optimum Gold Rewards Plan (HMO) — 2027
The short answer: Optimum Gold Rewards Plan (HMO) is a HMO plan offered by Freedom Health for 2027 in 4 counties in Florida. Its monthly premium is $0. Medicare rates it 4.5 out of 5 stars.
Optimum Gold Rewards Plan (HMO) (H5594-022) is a health maintenance organization (HMO). It is open to anyone who has Medicare Part A and Part B and lives in the plan service area. It is sold by Optimum HealthCare, Inc., part of Elevance Health, Inc..
Costs at a glance
| Monthly premium (CMS data, October 18, 2026) | $0 |
|---|---|
| Part D deductible | $0 |
| In-network out-of-pocket maximum | $4,450 |
| CMS star rating | 4.5 out of 5 stars |
Source: CMS CY2027 Landscape Source File, data as of October 18, 2026. Plan information is based on publicly available information from Medicare.gov. Premiums and plan availability are subject to change as contracts are finalized.
Where Optimum Gold Rewards Plan (HMO) is offered
Optimum Gold Rewards Plan (HMO) is offered in 4 counties in Florida for 2027:
How Optimum Gold Rewards Plan (HMO) compares
The median monthly premium across Freedom Health plans in Florida is $0; this plan charges $0. The average in-network out-of-pocket maximum among Medicare Advantage plans in Florida is about $6,063; this plan’s maximum is $4,450.
Similar plans from Freedom Health in Florida
- Freedom Savings Plan (HMO) — $0 a month
- Freedom Medicare Plan Rx (HMO) — $0 a month
- Freedom Platinum Plan Rx (HMO) — $0 a month
- Freedom Platinum Rewards Plan Rx (HMO) — $0 a month
- HealthSun MediMax (HMO) — $0 a month
- HealthSun HealthAdvantage Plan (HMO) — $0 a month
Frequently asked questions
- What is the monthly premium for Optimum Gold Rewards Plan (HMO)?
- The monthly premium for Optimum Gold Rewards Plan (HMO) is $0 in CMS data as of October 18, 2026.
- What is the out-of-pocket maximum for Optimum Gold Rewards Plan (HMO)?
- The in-network out-of-pocket maximum for Optimum Gold Rewards Plan (HMO) is $4,450 for 2027.
- What is the Part D deductible for Optimum Gold Rewards Plan (HMO)?
- The Part D deductible for Optimum Gold Rewards Plan (HMO) is $0 for 2027.
- What kind of plan is Optimum Gold Rewards Plan (HMO)?
- Optimum Gold Rewards Plan (HMO) is a HMO: a health maintenance organization (HMO). It is open to anyone who has Medicare Part A and Part B and lives in the plan service area.
- Who is Optimum Gold Rewards Plan (HMO) for?
- Optimum Gold Rewards Plan (HMO) It is open to anyone who has Medicare Part A and Part B and lives in the plan service area.
- Where is Optimum Gold Rewards Plan (HMO) offered?
- Optimum Gold Rewards Plan (HMO) is offered in 4 counties in Florida for 2027.
- What is the CMS star rating for Optimum Gold Rewards Plan (HMO)?
- Optimum Gold Rewards Plan (HMO) Medicare rates it 4.5 out of 5 stars.
Source: CMS CY2027 Landscape Source File, data as of October 18, 2026. Plan information is based on publicly available information from Medicare.gov. Premiums and plan availability are subject to change as contracts are finalized.
About star ratings: Medicare evaluates plans every year and rates them on a 5-star system based on quality and performance. Star ratings shown on this page are the official CY2027 ratings published by CMS. A plan with no rating shown has not yet been rated by CMS.
Talk with a licensed agent about the plans in your area: call 1-866-340-3441.