CarePlus offer Medicare Advantage plans in Florida. The plans provide hospitalization and medical insurance, along with prescription drug coverage. Extra benefits include dental and vision care.
Most of the company’s plans have a $0 monthly premium. The copays and annual limit on costs vary among the plans.
This article introduces CarePlus and provides an overview of Medicare Advantage before discussing the coverage, costs, and availability of CarePlus Advantage plans. It also describes how the plans fit within Medicare and explains how people can get more information.
We may use a few terms in this piece that can be helpful to understand when selecting the best insurance plan:
- Deductible: This is an annual amount that a person must spend out of pocket within a certain time period before an insurer starts to fund their treatments.
- Coinsurance: This is a percentage of a treatment cost that a person will need to self-fund. For Medicare Part B, this comes to 20%.
- Copayment: This is a fixed dollar amount that an insured person pays when receiving certain treatments. For Medicare, this usually applies to prescription drugs.
Miami-based CarePlus Health Plans have more than 166,000 members and offer only Medicare Advantage plans. The company hold accreditation with the Accreditation Association for Ambulatory Health Care, and they partner with the Florida Department of Children and Families’ ACCESS Florida Community Network as an Assisted Service Site.
CarePlus have been in business since 2000 and specialize in Health Maintenance Organization (HMO) plans. Medicare gives the company’s 2020 and 2021 plans the 5-star rating, based on their performance and quality.
Medicare Advantage plans (Part C) provide an alternative way for a person to get the same benefits that original Medicare (Part A and Part B) provides, with the option of additional benefits.
Most Advantage plans include prescription drug coverage, wellness programs, and dental, vision, and hearing care.
Advantage plans differ from original Medicare as follows:
- Most Advantage plans require a person to choose from in-network providers, while original Medicare allows them to choose from any providers who accept Medicare.
- Advantage plans put a limit on yearly out-of-pocket costs, but original Medicare does not.
- Most Advantage plans include prescription drug coverage, but original Medicare does not.
- Some Advantage plans offer additional benefits that Medicare does not provide.
Learn more about Medicare Advantage plans here.
CarePlus Advantage offer five HMO plans, two of which are tailored to the needs of people with certain chronic diseases. Some plans have $0 monthly premiums.
All CarePlus plans require a person to choose from a network of doctors, pharmacies, and hospital providers. In most instances, they will need to get a referral from their primary care doctor before seeing other healthcare providers.
Most plans include:
- inpatient hospitalization
- outpatient services, such as lab tests and doctor…
Read More: CarePlus Medicare Advantage: Locations, plans, and costs