CarePlus Health Plans, a well-known provider of Medicare Advantage plans in Florida, is celebrating 25 years of dedicated service in the state. As part of the Humana family of companies, CarePlus is reinforcing its commitment to Floridians by offering enhanced Medicare Advantage plans for 2025. These plans are designed to prioritize affordable healthcare, robust financial support, and overall well-being for its members. This article will delve into the exciting new benefits and features of CarePlus plans for the upcoming year, helping you understand how they can provide comprehensive and cost-effective healthcare coverage.
CarePlus and Humana: Understanding the Connection
For those wondering about the relationship, CarePlus is indeed part of Humana. This connection means CarePlus members benefit from the resources and stability of a large, national healthcare organization while still receiving localized, Florida-focused care. Being part of Humana allows CarePlus to offer competitive benefits and a wide network, ensuring members have access to the healthcare services they need.
Enhanced Medicare Advantage Plans for 2025 – Key Benefits
CarePlus is introducing several significant enhancements to its Medicare Advantage plans in 2025, building upon its 25-year legacy in Florida. These improvements are directly aimed at making healthcare more accessible and affordable for Medicare-eligible individuals.
Expanded Access with CareAccess (HMO)
Recognizing the need for specialist access without unnecessary hurdles, CarePlus is expanding the availability of its CareAccess (HMO) plan to cover all service areas in Florida. Initially launched in Orlando and Daytona, this plan stands out by allowing members to directly consult in-network specialists without requiring a referral from their primary care physician. This increased flexibility ensures timely access to specialized medical care when needed.
Financial Relief: Part B Giveback & $0 Premiums
Addressing the financial concerns of many Medicare beneficiaries, CarePlus is significantly expanding its Part B premium giveback benefit. In 2025, over 65% of CarePlus plans will include this valuable benefit, effectively reducing the amount members pay for their Medicare Part B premiums. Furthermore, demonstrating its commitment to affordability, CarePlus is offering $0 premiums on all of its Medicare Advantage plans in 2025. This means members can access comprehensive coverage without the burden of an additional monthly plan premium.
Roll-Over Funds for CareEssentials Allowance
Select CarePlus plans include the CareEssentials Allowance, designed to help members with essential everyday expenses. For 2025, CarePlus is enhancing this benefit by allowing unused funds to roll over month to month. This provides greater flexibility and purchasing power, enabling members to use their allowance for groceries, utilities, rent, and other essential needs at their own pace.
Specialized Care with CareComplete (HMO C-SNP)
For individuals managing chronic conditions such as diabetes, cardiovascular disorders, or congestive heart failure, CarePlus is introducing the CareComplete (HMO C-SNP) plan. Available across all CarePlus service areas, this specialized plan provides focused care and resources tailored to these conditions. Notably, the CareComplete plan includes a substantial $215 monthly CareEssentials Allowance*, offering significant financial support for members managing chronic health needs.
Enhanced Support for Dual Eligibles (CareNeeds Platinum HMO D-SNP)
CarePlus is also strengthening its support for individuals who are dually eligible for both Medicare and Medicaid with enhancements to the CareNeeds Platinum (HMO D-SNP) plan. In 2025, this plan will include a new over-the-counter (OTC) allowance added to the spending card. To maximize convenience, this allowance can be used at participating retailers or through CenterWell Pharmacy™ for mail delivery, all at no extra cost.
Comprehensive Benefits Available on Most CarePlus Plans
Beyond these new features, CarePlus plans continue to offer a wide range of valuable benefits, ensuring members receive comprehensive healthcare coverage:
Robust Dental, Vision, and Hearing Coverage
CarePlus plans provide extensive coverage for essential dental, vision, and hearing services. Members benefit from a $0 copay for many dental services, including dentures, extractions, and fillings, with access to a large network of over 100,000 dentists nationwide. Additionally, plans include allowances for both eyewear and hearing aids, supporting overall sensory health.
Medical Coverage and Wellness Programs
CarePlus prioritizes preventative and essential medical care by offering $0 copays for primary care, podiatry, acupuncture, and chiropractic visits. Furthermore, members receive a valuable free meal delivery program following overnight hospital stays, easing recovery at home. To encourage healthy lifestyles, CarePlus provides access to SilverSneakers®, free transportation to select locations, and a $50 gift card reward for completing specific healthy activities.
Affordable Prescription Drugs
Access to affordable medications is a key component of CarePlus plans. All Medicare Advantage Prescription Drug plans feature a $0 copay for Tier 1 drugs. To provide financial security, CarePlus also implements a $2,000 maximum limit on out-of-pocket costs for covered prescription drugs.
Conclusion
CarePlus Health Plans, backed by the strength of Humana, is demonstrably enhancing its Medicare Advantage offerings for 2025. With expanded access, increased financial support, and comprehensive benefits, CarePlus plans are designed to meet the diverse healthcare needs of Florida’s Medicare-eligible population. As CarePlus celebrates 25 years of service, these new plan features underscore their ongoing commitment to providing affordable, high-quality healthcare solutions that prioritize the health and financial well-being of their members.
For Florida residents interested in learning more or enrolling in a CarePlus Medicare Advantage plan during Medicare’s Annual Enrollment Period (October 15 to December 7), visit www.CarePlusHealthPlans.com or contact a licensed CarePlus sales agent at 1-855-450-1352 (TTY: 711).
Footnotes:
1 Certain services or medications may require preauthorization.
2 The Part B Premium Reduction benefit pays part or all your Part B premium and the amount may change based on the amount you pay for Part B.
3 This plan is available to anyone enrolled in Medicare with a diagnosis of diabetes, cardiovascular disorders or chronic heart failure.
4 This plan is available to anyone receiving both Medicare and Medicaid: Qualified Medicare Beneficiaries (QMB/QMB+), Specified Low-Income Medicare Beneficiaries (SLMB/SLMB+), Qualifying Individuals (QI), Qualified Disabled and Working Individuals (QDWI) and other Full Benefit Dual Eligibles (FBDE).
5 Quantity limits and other restrictions apply.
*Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Service areas: South Florida, West Florida, Central Florida, North Florida, and Atlantic Coast. CarePlus is an HMO plan with a Medicare contract. Enrollment in CarePlus depends on contract renewal. In accordance with the federal requirements of the Centers for Medicare & Medicaid Services (CMS), no amounts on the gift cards shall be redeemable for cash and no amount may be applied toward the purchase of any prescription drug under your plan. Rewards (gift cards) must be earned and redeemed in the same plan year. Rewards not redeemed by 12/31 will be forfeited.
