Medicare Advantage options, locations, and associated costs offered by CarePlus
In the sunshine state of Florida, CarePlus specializes in Health Maintenance Organization (HMO) plans as part of the Medicare Advantage programme. This alternative way to get the same benefits as Original Medicare (Part A and Part B), with the option of additional benefits, is offered in 21 counties across the state.
CarePlus Medicare Advantage plans may cover cataract surgery, as Medicare Part B may cover the procedure. However, it's essential to contact CarePlus to find out if a specific plan offers coverage. The costs of CarePlus plans depend on factors such as the specific plan and the location.
Many CarePlus plans and similar Medicare Advantage PPO plans in Florida have low average monthly premiums, approximately $7 to $12. In addition to the standard medical services, these plans often include additional benefits and flexibility such as coverage for out-of-network doctors. However, higher use of care could increase medical expenses up to the out-of-pocket limit.
Regarding out-of-pocket expenses, CarePlus Medicare Advantage plans in Florida typically have out-of-pocket maximums around $5,585 annually. This means that your maximum combined spending for covered medical services in a year generally will not exceed this amount.
Additional benefits offered by CarePlus Advantage Plans may include dental care, vision care, hearing care, free fitness programs, wellness seminars, rewards programs, and the CareEssentials Allowance. The CareEssentials Allowance can help with groceries, personal care, over-the-counter products, home supplies, and household essentials.
CarePlus offers five types of plans: HMO, HMO Dual Special Needs Plans (D-SNP), HMO Chronic Condition Special Needs Plan (C-SNP), HMO Point-of-Service (POS), and HMO POS C-SNP. Examples of specific plans include the CareOne Plus (HMO-POS) plan in Orange, Central Florida, the CareComplete (HMO C-SNP) plan in Duval County, North Florida, and the CareAccess (HMO) plan in Broward, South Florida.
For those needing help selecting a CarePlus Advantage plan, the company provides a toll-free number (1-855-605-6171) and an online search tool to find the plans available in their area. It's important to note that each plan has a formulary, which is a list of the medications that it covers.
In 2025, there is a $2,000 annual cap on out-of-pocket prescription drug costs under Medicare Part D, which is set to increase to $2,100 in 2026. Total out-of-pocket costs for medical services may include deductibles, copayments, and coinsurance, but cannot exceed the annual limit stated by Medicare Advantage plans.
CarePlus holds accreditation with the Accreditation Association for Ambulatory Health Care, and most CarePlus Advantage plans include Part D prescription drug benefits. However, a person with an Advantage plan is ineligible to buy a Part D plan or Medigap, but most CarePlus plans include prescription drug coverage.
It is recommended to review the official CarePlus plan documents or Medicare.gov plan finder for precise costs and limits, as exact plan details, premiums, benefits, and out-of-pocket maximums can vary by specific plan and location within Florida.
- CarePlus Advantage Plans in Florida, such as the CareOne Plus (HMO-POS) and CareComplete (HMO C-SNP), often cover additional health services beyond Medicare, including dental care, vision care, hearing care, fitness programs, wellness seminars, and rewards programs, in addition to the standard health insurance benefits.
- Sciencely, CarePlus Medicare Advantage plans in Florida, like the CareEssentials Allowance, may extend coverage to help with groceries, personal care, over-the-counter products, home supplies, and household essentials, offering a comprehensive approach to health-and-wellness.
- Mindful planning is essential when choosing a CarePlus Advantage plan, as specific plan costs may depend on factors like the type of plan, location, and the formulary, which lists the medications it covers. In 2025, there is a $2,000 annual cap on out-of-pocket prescription drug costs under Medicare Part D, with a planned increase to $2,100 in 2026.
