CarePlus Health Plans, a subsidiary of Humana, offers Medicare Advantage plans in Florida. All CarePlus plans are highly rated and most offer $0 premiums.

Here’s what you should know about CarePlus Medicare Advantage.

CarePlus Medicare Advantage pros and cons
CarePlus’ offerings have advantages and disadvantages.

Pros
Low-cost plans: Most of CarePlus’ Medicare Advantage plans have a $0 premium.

Member satisfaction: CarePlus’ parent company, Humana, ranks second out of nine major providers in J.D. Power’s 2022 Medicare Advantage member satisfaction index.

Drug coverage: Most CarePlus Medicare Advantage plans include prescription drug coverage.

Cons
Limited availability: CarePlus offers Medicare Advantage plans in one state only: Florida.

Only HMOs: CarePlus offers only HMO plans, which generally provide the least flexibility when seeking medical care.

 » MORE: Best Medicare Advantage plans 

 Back to top
Looking for Unbiased Medicare Advice?
Chapter saves people over $1,000/year on their Medicare plans. You can reach them at (855)480-7438
Chapter (mobile image)
Available Medicare Advantage plans
There are a few kinds of CarePlus Medicare Advantage plans, and they vary in terms of structure, costs and benefits. CarePlus offers Medicare Advantage prescription drug plans, or MAPDs, as well as Medicare Advantage plans without drug coverage.

Plan offerings include the following types:

HMO plans

SNPs

 Back to top

Additional benefits
CarePlus Medicare Advantage plans include a variety of benefits that aren’t available from Original Medicare. Here are some examples, although availability varies by plan:

Over-the-counter allowance: Members may be able to receive a monthly allowance they can use to pay for OTC items such as cough medicine and pain relievers.

CareCard: Members may be eligible for a pre-loaded card they can use to pay for dental, hearing or vision services that exceed what the plan pays.

SilverSneakers: Members can visit gyms and access live and prerecorded online fitness classes tailored to older adults.

Meal delivery: Members may be able to receive a certain number of meals delivered to their homes after an overnight stay in a hospital or skilled nursing facility.

Wigs related to chemotherapy: Members may be eligible for reimbursement for wig expenses related to chemotherapy treatment.

Part B premium giveback: Some plans may include some amount toward your Part B monthly premium.

 Back to top
Customer service
Here’s how CarePlus members can contact customer service:

Call Member Services at 800-794-5907 (TTY: 711). From Oct. 1 to March 31, services are open seven days a week, 8 a.m. to 8 p.m. And from April 1 to Sept. 30, services are open Monday to Friday, 8 a.m. to 8 p.m.

Email CPHP_MemberServices@Careplus-HP.com.

 Back to top
CarePlus Medicare Advantage service area
CarePlus offers Medicare Advantage plans in Florida only.

CarePlus' parent company, Humana, is the second-largest for-profit provider of Medicare Advantage plans in the country
[1]
. CarePlus plans cover more than 200,000 Medicare Advantage beneficiaries as of October 2022.

 Back to top
Cost
Costs for Medicare Advantage plans depend on your plan, your geographic location and your health needs. One of the costs to consider is the plan’s premium. Most CarePlus Medicare Advantage plans have a $0 premium
[2]
.

In 2023, all CarePlus Medicare Advantage plans that aren’t special needs plans have a $0 premium, and about 80% of CarePlus SNPs have a $0 premium. CarePlus SNPs with a monthly premium cost between $14.70 and $18.10 per month
[3]
.

Even as a Medicare Advantage user, you’ll still be responsible for paying your Medicare Part B premium, which is $164.90 per month in 2023, although some plans cover part or all of this cost. (Most people pay this standard amount, but if your income is above a certain threshold, you'll pay more.)

Other out-of-pocket costs to consider include:

Whether the plan covers any part of your monthly Medicare Part B premium.

The plan’s yearly deductibles and any other deductibles, such as a drug deductible.

Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.

The plan’s in-network and out-of-network out-of-pocket maximums.

Whether your medical providers are in-network or out-of-network, or how often you may go out of network for care.

Whether you require extra benefits, and if the plan charges for them.

To get a sense of costs, use Medicare’s plan-finding tool to compare information among available plans in your area. You can select by insurance carrier to see only CarePlus plans or compare across carriers. You can also shop directly from CarePlus’ website by entering your ZIP code.

 Back to top
Looking for Unbiased Medicare Advice?
Chapter saves people over $1,000/year on their Medicare plans. You can reach them at (855)480-7438
Chapter (mobile image)
Medicare star ratings
Average star rating, weighted by enrollment: 4.0

The Centers for Medicare & Medicaid Services maintains star ratings for Medicare Advantage plans on a 5-point scale, ranking plans from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.

Based on the most recent year of data and weighted by enrollment, CarePlus’ 2023 Medicare Advantage plans get an average rating of 4.0 stars
[4]
.

The average star rating for plans from all providers is 4.15
[5]
.