CarePlus health insurance offers Medicare Advantage plans for Florida residents, focusing on comprehensive care and extra benefits.
These plans provide an alternative to Original Medicare, covering hospital stays, doctor visits, and more.
This article explains CarePlus in simple language, detailing its plans, benefits, and costs. It aims to help you understand if CarePlus is right for you.
What Is CarePlus Health Insurance?
CarePlus health insurance provides Medicare Advantage plans in Florida. As a subsidiary of Humana, CarePlus offers Health Maintenance Organization (HMO) and HMO-Point of Service (HMO-POS) plans.
These plans cover Medicare Part A and Part B benefits, often with added perks. They’re designed for seniors and those with specific health needs.
CarePlus operates in 21 Florida counties, including South, Central, and North Florida. Plans include prescription drug coverage, dental, vision, and hearing care.
Many plans have $0 premiums, making them attractive for budget-conscious individuals. CarePlus is accredited by the Accreditation Association for Ambulatory Health Care.
Who Can Enroll in CarePlus?
CarePlus health insurance is available to Florida residents eligible for Medicare. You must be enrolled in Medicare Part A and Part B to join. Plans are tailored for seniors aged 65 and older or younger individuals with qualifying disabilities. Some plans target specific chronic conditions, like diabetes or heart disease.
Enrollment depends on your county, as availability varies by ZIP code. Special Needs Plans (SNPs) are offered for those with chronic conditions or dual Medicare-Medicaid eligibility. Check the CarePlus website or call 800-794-5907 to confirm eligibility.
Types of CarePlus Plans
CarePlus offers several Medicare Advantage plans to meet diverse needs. Most are HMOs, requiring in-network providers, while some HMO-POS plans allow limited out-of-network care. Below are the main plan types:
- CareAccess (HMO): Basic plan with $0 premiums and comprehensive coverage.
- CareOne Plus (HMO-POS): Offers flexibility for some out-of-network services.
- CareComplete (HMO C-SNP): Designed for chronic conditions like diabetes or heart disease.
- CareFree (HMO D-SNP): For those eligible for both Medicare and Medicaid.
Each plan includes Part D prescription drug coverage and extra benefits. Plans vary by county, so check availability.
Benefits of CarePlus Health Insurance
CarePlus health insurance provides more than Original Medicare. Plans cover hospital stays, doctor visits, and prescription drugs. Many include dental, vision, and hearing care with no annual maximums. Preventive services, like screenings and wellness visits, are fully covered.
Additional perks include a fitness program, over-the-counter (OTC) allowances, and Part B premium givebacks. Some plans offer a CareEssentials Allowance for health-related expenses. These benefits support overall well-being and reduce out-of-pocket costs.
Costs of CarePlus Plans
Many CarePlus plans have $0 monthly premiums. However, costs like copays, coinsurance, and deductibles vary by plan and location. For example, a CareAccess HMO in Broward County may have a $0 premium and low copays. Out-of-network care in HMO-POS plans costs more.
Part B premium givebacks reduce your monthly Medicare costs in some plans. OTC allowances cover items like pain relievers at no cost. Use CarePlus’s online tool to estimate costs based on your ZIP code.
Table: Sample CarePlus Plan Costs (2025, Select Florida Counties)
| Plan Name | Location (ZIP) | Monthly Premium | Key Features | Out-of-Pocket Max |
|---|---|---|---|---|
| CareAccess (HMO) | Broward (33024) | $0 | $0 primary care copay, OTC allowance | $6,700 |
| CareOne Plus (HMO-POS) | Orange (34787) | $0 | Part B giveback, out-of-network option | $7,500 |
| CareComplete (HMO C-SNP) | Duval (32218) | $0 | Chronic condition focus, dental coverage | $6,900 |
| CareFree (HMO D-SNP) | Miami-Dade (33142) | $0 | Dual-eligible benefits, wellness programs | $7,000 |
This table shows estimated costs for 2025 plans. Costs vary by county and plan. Verify details with CarePlus.
How to Enroll in CarePlus
Enrolling in CarePlus health insurance is straightforward. Use the CarePlus website’s plan finder tool to check available plans in your county. You can enroll online, by phone (800-794-5907), or through a licensed agent. TTY users can call 711.
Open enrollment runs from October 15 to December 7 each year. Special enrollment periods apply for events like moving or losing other coverage. Have your Medicare ID and personal details ready when applying.
Accessing Care with CarePlus
CarePlus plans use an HMO network, requiring in-network providers for most services. You choose a primary care provider (PCP) to coordinate care. Referrals are needed for specialists in HMO plans, but HMO-POS plans offer some out-of-network flexibility. The provider network includes doctors, hospitals, and pharmacies across Florida.
Telehealth services are available for virtual visits. Use the CarePlus provider directory to find in-network care. Staying in-network keeps costs low and ensures coverage applies.
Preventive Care and Wellness Programs
CarePlus emphasizes preventive care to keep members healthy. Plans cover annual wellness visits, screenings, and vaccinations at no cost. These services help detect health issues early, reducing future expenses. Wellness seminars educate members on healthy living.
Free fitness programs, like gym memberships, encourage physical activity. OTC allowances cover health products, such as first-aid items. CarePlus’s focus on prevention supports long-term health and cost savings.
Special Features of CarePlus Plans
CarePlus offers unique benefits not found in Original Medicare. Some plans include a Part B premium giveback, reducing your monthly costs. The CareEssentials Allowance covers health-related expenses, like medical supplies. Dental coverage often has no annual maximum, unlike many competitors.
Special Needs Plans (SNPs) cater to chronic conditions or dual-eligible members. These plans tailor benefits to specific health needs, like diabetes management. Wellness rewards programs incentivize healthy habits, adding value to CarePlus health insurance.
Managing Your CarePlus Plan
After enrolling, you’ll receive a member ID card. Carry it to appointments to verify coverage. The CarePlus website and mobile app let you track claims, find providers, and manage benefits. Customer service (800-794-5907) assists with questions or billing issues.
Keep records of medical visits and payments. If using an HMO-POS plan, confirm out-of-network coverage before seeking care. Regularly review your plan to ensure it meets your health needs.
Why Choose CarePlus Health Insurance?
CarePlus stands out for its $0 premium plans and comprehensive benefits. Its focus on dental, vision, and hearing coverage adds value. The 4-star CMS rating for 2025 reflects above-average quality. Plans are tailored to Florida’s diverse communities, with multilingual support.
The large provider network ensures access to care. Special Needs Plans address chronic conditions effectively. CarePlus’s commitment to prevention and wellness makes it a strong choice for Medicare-eligible Floridians.
Community Impact and Resources
CarePlus supports Florida communities through partnerships and health programs. It works with the Florida Department of Children and Families’ ACCESS network. Community events, like health fairs, promote wellness and education. These efforts improve healthcare access in underserved areas.
The CarePlus website offers tools like plan finders and formulary lists. Educational resources explain Medicare terms and benefits. Members can access support in multiple languages, ensuring inclusivity.
Summary
CarePlus health insurance provides Medicare Advantage plans in Florida, offering more than Original Medicare. With $0 premiums, plans cover hospital stays, doctor visits, and prescriptions, plus dental, vision, and hearing care. Special Needs Plans support chronic conditions or dual-eligible members. Enrollment is easy via the CarePlus website or phone.
Costs vary by plan and county, but benefits like OTC allowances and Part B givebacks reduce expenses. The HMO network ensures access to care, with some plans offering out-of-network flexibility. CarePlus’s focus on prevention and community support makes it a reliable choice. Visit CarePlus’s website to explore plans in your area.
FAQ
What is CarePlus health insurance?
CarePlus health insurance offers Medicare Advantage HMO and HMO-POS plans in Florida. Plans cover hospital stays, doctor visits, and prescriptions, with extras like dental and vision. They’re designed for seniors and those with specific health needs.
Who can join CarePlus plans?
Florida residents enrolled in Medicare Part A and Part B can join. Plans are available in 21 counties, with some tailored for chronic conditions or dual Medicare-Medicaid eligibility. Check availability by ZIP code.
How do I enroll in CarePlus?
Enroll online, by phone (800-794-5907), or through an agent. Open enrollment is October 15 to December 7. Special enrollment applies for life events like moving.
What does CarePlus cover?
CarePlus covers hospital stays, doctor visits, prescriptions, and preventive care. Many plans include dental, vision, hearing, and OTC allowances. Some offer Part B premium givebacks.
Are CarePlus plans expensive?
Many plans have $0 premiums, with copays and deductibles varying by plan. Out-of-pocket maximums limit annual costs. Use CarePlus’s online tool to estimate expenses.
How do I find providers with CarePlus?
Use the CarePlus provider directory to find in-network doctors and hospitals. HMO plans require referrals for specialists; HMO-POS plans allow some out-of-network care. Telehealth is available for convenience.