Find a BayCarePlus^® (HMO) Plan in Your Area

All of the BayCarePlus (HMO) plans bundle your hospital, medical and prescription drug benefits into one plan and include money-saving extra benefits like dental and vision coverage and free health club memberships. Below is an overview of each plan so that you may quickly and easily compare your options.

Medicare Plans to Fit Your Needs

BayCarePlus offers several plan options so you can choose the plan that best meets your personal needs. All plans include medical and hospital coverage as well as prescription drugs, dental, vision, hearing and fitness benefits, plus more. View our plan comparison below to see highlights and request an Enrollment Guide to see a Summary of Benefits.

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BayCarePlus Rewards (HMO) H2235-002	BayCarePlus Value (HMO) H2235-005	BayCarePlus Complete (HMO) H2235-001	BayCarePlus Premier (HMO) H2235-003	BayCarePlus Freedom (HMO-POS) H2235-006
Medical and Hospital
Monthly Premium
$0	$0	$0	$42 You may be able to lower your premium, if you get Extra Help from Medicare	$0
Part B Premium Monthly Saving
$134 per month	$113 per month	Not Covered
Maximum Out-Of-Pocket Limit
$4,500 per calendar year	$4,500 per calendar year	$3,100 per calendar year	$2,500 per calendar year	In Network $3,850 per calendar year Out of Network $8,950 per calendar year
Annual Deductible
$0
Primary Care Physician Visits
$0 copay	$0 copay	$0 copay	$0 copay	In Network $0 copay Out of Network $50 copay
Specialist Visits
$40 copay	$40 copay	$15 copay	$15 copay	In Network $35 copay Out of Network $70 copay
Inpatient Hospital Care
$250 copay per day, per stay: days 1–5 $0 copay per day, per stay: days 6 and beyond	$250 copay per day, per stay: days 1–5 $0 copay per day, per stay: days 6 and beyond	$200 copay per day, per stay: days 1–5 $0 copay per day, per stay: days 6 and beyond	$175 copay per day, per stay: days 1–5 $0 copay per day, per stay: days 6 and beyond	In Network $250 copay per day, per stay: days 1–5 $0 copay per day, per stay: days 6 and beyond Out of Network 45% coinsurance
Urgent Care
$35 copay	$35 copay	$35 copay	$30 copay	$40 copay
Emergency Care
$100 copay	$100 copay	$90 copay	$120 copay	$135 copay
Lab Services
$0 copay	$0 copay	$0 copay	$0 copay	In Network $0 copay Out of Network 45% coinsurance
Part D Prescription Drug Coverage*
Annual Deductible
$0
Tier 1 Preferred Generic
$0 copay
Tier 2 Generic
$10 copay	$10 copay	$3 copay	$0 copay	$3 copay
Tier 3 Preferred Brand
$47 copay	$47 copay	$35 copay	$30 copay	$35 copay
Tier 4 Non-Preferred Brand
$100 copay	$100 copay	$85 copay	$85 copay	$85 copay
Tier 5 Specialty Drug
33% coinsurance
Mail Order 90-Day Supply (Tiers 1-4)
$0/ $0/ $125/ $275	$0/ $0/ $125/ $275	$0/ $0/ $95/ $245	$0/ $0/ $80/ $245	$0/ $0/ $95/ $245
Diabetic Insulin 30-Day Supply (Tiers 1-5)
NA/$10/$35/NA/NA	NA/$10/$35/NA/NA	NA/$3/$35/NA/NA	NA/$0/$30/NA/NA	NA/$3/$35/NA/NA
Initial Coverage Limit
$5,030
View the drugs covered by this plan
Extra Benefit Highlights
Dental (Base Option)
$0 copay for preventive dental services including oral exams, X-rays and cleanings $0 copay for comprehensive dental services Annual maximum of $2,000 for comprehensive dental
Optional Comprehensive Dental ($49 per month)
See any dentist you want!** $0 copay for preventive dental services including oral exams, X-rays and cleanings $0 copay for comprehensive dental services Annual maximum of $4,000 for comprehensive dental
Vision
$0 copay for routine eye exam $0 copay or a pair of eyeglasses (lenses and frames) or contacts $150 max benefit (non-Medicare-covered eyewear) per calendar year	$0 copay for routine eye exam $0 copay for a pair of eyeglasses (lenses and frames) or contacts $300 max benefit (non-Medicare-covered eyewear) per calendar year for eyeglass (lenses and frames) or $350 max benefit per year for contacts
Hearing Aids (Up to two hearing aids every calendar year [one per ear])
$599 or $899 copay per hearing aid		$699 or $999 copay per hearing aid	$599 or $899 copay per hearing aid	$699 or $999 copay per hearing aid
Over-the-Counter (OTC) Items
Not covered	$50 per quarter	$107 per quarter +$25 per quarter for members with diabetes	$135 per quarter +$50 per quarter for members with diabetes	$25 per quarter
Transportation Assistance
Not covered		$0 copay for 16 one-way trips to approved locations per calendar year	$0 copay for 24 one-way trips to approved locations per calendar year	Not covered
Meals
Not covered		56 home-delivered, post-discharge meals per calendar year		Not covered
Grocery Allowance
Not covered	$50 per quarter (Must meet health condition requirements to qualify. See Evidence of Coverage.)			Not covered
Travel Benefits
Emergency or urgent care coverage if you’re making a trip out of state or country.
Important Documents (All Plans)
Provider Directory Drug Formulary Star Ratings Formulary Change Notice Summary of Benefits
Documentos Importantes (Todos los planes)
Directorio d Proveedores Formulario de Medicamentos Recetados Calificaciones por Estrellas Resumen de Beneficios (Disponible próximamente)
Important Documents (Plan Specific)
Evidence of Coverage Annual Notice of Change	Evidence of Coverage	Evidence of Coverage Annual Notice of Change	Evidence of Coverage Annual Notice of Change	Evidence of Coverage
Documentos Importantes (Específico del Plan)
Evidencial de Cobertura Aviso Anual de Cambio	Evidencial de Cobertura	Evidencial de Cobertura Aviso Anual de Cambio	Evidencial de Cobertura Aviso Anual de Cambio	Evidence of Coverage

Medical and Hospital

BayCarePlus Rewards (HMO) H2235-002	BayCarePlus Value (HMO) H2235-005
Monthly Premium
$0	$0
Part B Premium Monthly Saving
$134 per month	$113 per month
Maximum Out-Of-Pocket Limit
$4,500 per calendar year	$4,500 per calendar year
Annual Deductible
$0
Primary Care Physician Visits
$0 copay	$0 copay
Specialist Visits
$40 copay	$40 copay
Inpatient Hospital Care
$250 copay per day, per stay: days 1–5 $0 copay per day, per stay: days 6 and beyond	$250 copay per day, per stay: days 1–5 $0 copay per day, per stay: days 6 and beyond
Urgent Care
$35 copay	$35 copay
Emergency Care
$100 copay	$100 copay
Lab Services
$0 copay	$0 copay

BayCarePlus Rewards (HMO) H2235-002	BayCarePlus Complete (HMO) H2235-001
Monthly Premium
$0	$0
Part B Premium Monthly Saving
$134 per month	Not Covered
Maximum Out-Of-Pocket Limit
$4,500 per calendar year	$3,100 per calendar year
Annual Deductible
$0
Primary Care Physician Visits
$0 copay	$0 copay
Specialist Visits
$40 copay	$15 copay
Inpatient Hospital Care
$250 copay per day, per stay: days 1–5 $0 copay per day, per stay: days 6 and beyond	$200 copay per day, per stay: days 1–5 $0 copay per day, per stay: days 6 and beyond
Urgent Care
$35 copay	$35 copay
Emergency Care
$100 copay	$90 copay
Lab Services
$0 copay	$0 copay

BayCarePlus Rewards (HMO) H2235-002	BayCarePlus Premier (HMO) H2235-003
Monthly Premium
$0	$42 You may be able to lower your premium, if you get Extra Help from Medicare
Part B Premium Monthly Saving
$134 per month	Not Covered
Maximum Out-Of-Pocket Limit
$4,500 per calendar year	$2,500 per calendar year
Annual Deductible
$0
Primary Care Physician Visits
$0 copay	$0 copay
Specialist Visits
$40 copay	$15 copay
Inpatient Hospital Care
$250 copay per day, per stay: days 1–5 $0 copay per day, per stay: days 6 and beyond	$175 copay per day, per stay: days 1–5 $0 copay per day, per stay: days 6 and beyond
Urgent Care
$35 copay	$30 copay
Emergency Care
$100 copay	$120 copay
Lab Services
$0 copay	$0 copay

BayCarePlus Rewards (HMO) H2235-002	BayCarePlus Freedom (HMO-POS) H2235-006
Monthly Premium
$0	$0
Part B Premium Monthly Saving
$134 per month	Not Covered
Maximum Out-Of-Pocket Limit
$4,500 per calendar year	In Network $3,850 per calendar year Out of Network $8,950 per calendar year
Annual Deductible
$0
Primary Care Physician Visits
$0 copay	In Network $0 copay Out of Network $50 copay
Specialist Visits
$40 copay	In Network $35 copay Out of Network $70 copay
Inpatient Hospital Care
$250 copay per day, per stay: days 1–5 $0 copay per day, per stay: days 6 and beyond	In Network $250 copay per day, per stay: days 1–5 $0 copay per day, per stay: days 6 and beyond Out of Network 45% coinsurance
Urgent Care
$35 copay	$40 copay
Emergency Care
$100 copay	$135 copay
Lab Services
$0 copay	In Network $0 copay Out of Network 45% coinsurance

Part D Prescription Drug Coverage*

BayCarePlus Rewards (HMO) H2235-002	BayCarePlus Value (HMO) H2235-005
Annual Deductible
$0
Tier 1 Preferred Generic
$0 copay
Tier 2 Generic
$10 copay	$10 copay
Tier 3 Preferred Brand
$47 copay	$47 copay
Tier 4 Non-Preferred Brand
$100 copay	$100 copay
Tier 5 Specialty Drug
33% coinsurance
Mail Order 90-Day Supply (Tiers 1-4)
$0/ $0/ $125/ $275	$0/ $0/ $125/ $275
Diabetic Insulin 30-Day Supply (Tiers 1-5)
NA/$10/$35/NA/NA	NA/$10/$35/NA/NA
Initial Coverage Limit
$5,030
View the drugs covered by this plan

BayCarePlus Rewards (HMO) H2235-002	BayCarePlus Complete (HMO) H2235-001
Annual Deductible
$0
Tier 1 Preferred Generic
$0 copay
Tier 2 Generic
$10 copay	$3 copay
Tier 3 Preferred Brand
$47 copay	$35 copay
Tier 4 Non-Preferred Brand
$100 copay	$85 copay
Tier 5 Specialty Drug
33% coinsurance
Mail Order 90-Day Supply (Tiers 1-4)
$0/ $0/ $125/ $275	$0/ $0/ $95/ $245
Diabetic Insulin 30-Day Supply (Tiers 1-5)
NA/$10/$35/NA/NA	NA/$3/$35/NA/NA
Initial Coverage Limit
$5,030
View the drugs covered by this plan

BayCarePlus Rewards (HMO) H2235-002	BayCarePlus Premier (HMO) H2235-003
Annual Deductible
$0
Tier 1 Preferred Generic
$0 copay
Tier 2 Generic
$10 copay	$0 copay
Tier 3 Preferred Brand
$47 copay	$30 copay
Tier 4 Non-Preferred Brand
$100 copay	$85 copay
Tier 5 Specialty Drug
33% coinsurance
Mail Order 90-Day Supply (Tiers 1-4)
$0/ $0/ $125/ $275	$0/ $0/ $80/ $245
Diabetic Insulin 30-Day Supply (Tiers 1-5)
NA/$10/$35/NA/NA	NA/$0/$30/NA/NA
Initial Coverage Limit
$5,030
View the drugs covered by this plan

BayCarePlus Rewards (HMO) H2235-002	BayCarePlus Freedom (HMO-POS) H2235-006
Annual Deductible
$0
Tier 1 Preferred Generic
$0 copay
Tier 2 Generic
$10 copay	$3 copay
Tier 3 Preferred Brand
$47 copay	$35 copay
Tier 4 Non-Preferred Brand
$100 copay	$85 copay
Tier 5 Specialty Drug
33% coinsurance
Mail Order 90-Day Supply (Tiers 1-4)
$0/ $0/ $125/ $275	$0/ $0/ $95/ $245
Diabetic Insulin 30-Day Supply (Tiers 1-5)
NA/$10/$35/NA/NA	NA/$3/$35/NA/NA
Initial Coverage Limit
$5,030
View the drugs covered by this plan

Extra Benefit Highlights

BayCarePlus Rewards (HMO) H2235-002	BayCarePlus Value (HMO) H2235-005
Dental (Base Option)
$0 copay for preventive dental services including oral exams, X-rays and cleanings $0 copay for comprehensive dental services Annual maximum of $2,000 for comprehensive dental
Optional Comprehensive Dental ($49 per month)
See any dentist you want!** $0 copay for preventive dental services including oral exams, X-rays and cleanings $0 copay for comprehensive dental services Annual maximum of $4,000 for comprehensive dental
Vision
$0 copay for routine eye exam $0 copay or a pair of eyeglasses (lenses and frames) or contacts $150 max benefit (non-Medicare-covered eyewear) per calendar year	$0 copay for routine eye exam $0 copay for a pair of eyeglasses (lenses and frames) or contacts $300 max benefit (non-Medicare-covered eyewear) per calendar year for eyeglass (lenses and frames) or $350 max benefit per year for contacts
Hearing Aids (Up to two hearing aids every calendar year [one per ear])
$599 or $899 copay per hearing aid		$699 or $999 copay per hearing aid
Over-the-Counter (OTC) Items
Not covered	$50 per quarter
Transportation Assistance
Not covered		$0 copay for 16 one-way trips to approved locations per calendar year
Meals
Not covered		56 home-delivered, post-discharge meals per calendar year
Grocery Allowance
Not covered	$50 per quarter (Must meet health condition requirements to qualify. See Evidence of Coverage.)
Travel Benefits
Emergency or urgent care coverage if you’re making a trip out of state or country.
Important Documents (All Plans)
Provider Directory Drug Formulary Star Ratings Formulary Change Notice Summary of Benefits
Documentos Importantes (Todos los planes)
Directorio d Proveedores Formulario de Medicamentos Recetados Calificaciones por Estrellas Resumen de Beneficios (Disponible próximamente)
Important Documents (Plan Specific)
Evidence of Coverage Annual Notice of Change	Evidence of Coverage
Documentos Importantes (Específico del Plan)
Evidencial de Cobertura Aviso Anual de Cambio	Evidencial de Cobertura

BayCarePlus Rewards (HMO) H2235-002	BayCarePlus Complete (HMO) H2235-001
Dental (Base Option)
$0 copay for preventive dental services including oral exams, X-rays and cleanings $0 copay for comprehensive dental services Annual maximum of $2,000 for comprehensive dental
Optional Comprehensive Dental ($49 per month)
See any dentist you want!** $0 copay for preventive dental services including oral exams, X-rays and cleanings $0 copay for comprehensive dental services Annual maximum of $4,000 for comprehensive dental
Vision
$0 copay for routine eye exam $0 copay or a pair of eyeglasses (lenses and frames) or contacts $150 max benefit (non-Medicare-covered eyewear) per calendar year	$0 copay for routine eye exam $0 copay for a pair of eyeglasses (lenses and frames) or contacts $300 max benefit (non-Medicare-covered eyewear) per calendar year for eyeglass (lenses and frames) or $350 max benefit per year for contacts
Hearing Aids (Up to two hearing aids every calendar year [one per ear])
$599 or $899 copay per hearing aid		$599 or $899 copay per hearing aid
Over-the-Counter (OTC) Items
Not covered	$107 per quarter +$25 per quarter for members with diabetes
Transportation Assistance
Not covered		$0 copay for 24 one-way trips to approved locations per calendar year
Meals
Not covered		Not covered
Grocery Allowance
Not covered	Not covered
Travel Benefits
Emergency or urgent care coverage if you’re making a trip out of state or country.
Important Documents (All Plans)
Provider Directory Drug Formulary Star Ratings Formulary Change Notice Summary of Benefits
Documentos Importantes (Todos los planes)
Directorio d Proveedores Formulario de Medicamentos Recetados Calificaciones por Estrellas Resumen de Beneficios (Disponible próximamente)
Important Documents (Plan Specific)
Evidence of Coverage Annual Notice of Change	Evidence of Coverage Annual Notice of Change
Documentos Importantes (Específico del Plan)
Evidencial de Cobertura Aviso Anual de Cambio	Evidencial de Cobertura Aviso Anual de Cambio

BayCarePlus Rewards (HMO) H2235-002	BayCarePlus Premier (HMO) H2235-003
Dental (Base Option)
$0 copay for preventive dental services including oral exams, X-rays and cleanings $0 copay for comprehensive dental services Annual maximum of $2,000 for comprehensive dental
Optional Comprehensive Dental ($49 per month)
See any dentist you want!** $0 copay for preventive dental services including oral exams, X-rays and cleanings $0 copay for comprehensive dental services Annual maximum of $4,000 for comprehensive dental
Vision
$0 copay for routine eye exam $0 copay or a pair of eyeglasses (lenses and frames) or contacts $150 max benefit (non-Medicare-covered eyewear) per calendar year	$0 copay for routine eye exam $0 copay for a pair of eyeglasses (lenses and frames) or contacts $300 max benefit (non-Medicare-covered eyewear) per calendar year for eyeglass (lenses and frames) or $350 max benefit per year for contacts
Hearing Aids (Up to two hearing aids every calendar year [one per ear])
$599 or $899 copay per hearing aid		$699 or $999 copay per hearing aid
Over-the-Counter (OTC) Items
Not covered	$135 per quarter +$50 per quarter for members with diabetes
Transportation Assistance
Not covered		Not covered
Meals
Not covered		Not covered
Grocery Allowance
Not covered	Not covered
Travel Benefits
Emergency or urgent care coverage if you’re making a trip out of state or country.
Important Documents (All Plans)
Provider Directory Drug Formulary Star Ratings Formulary Change Notice Summary of Benefits
Documentos Importantes (Todos los planes)
Directorio d Proveedores Formulario de Medicamentos Recetados Calificaciones por Estrellas Resumen de Beneficios (Disponible próximamente)
Important Documents (Plan Specific)
Evidence of Coverage Annual Notice of Change	Evidence of Coverage Annual Notice of Change
Documentos Importantes (Específico del Plan)
Evidencial de Cobertura Aviso Anual de Cambio	Evidencial de Cobertura Aviso Anual de Cambio

BayCarePlus Rewards (HMO) H2235-002	BayCarePlus Freedom (HMO-POS) H2235-006
Dental (Base Option)
$0 copay for preventive dental services including oral exams, X-rays and cleanings $0 copay for comprehensive dental services Annual maximum of $2,000 for comprehensive dental
Optional Comprehensive Dental ($49 per month)
See any dentist you want!** $0 copay for preventive dental services including oral exams, X-rays and cleanings $0 copay for comprehensive dental services Annual maximum of $4,000 for comprehensive dental
Vision
$0 copay for routine eye exam $0 copay or a pair of eyeglasses (lenses and frames) or contacts $150 max benefit (non-Medicare-covered eyewear) per calendar year	$0 copay for routine eye exam $0 copay for a pair of eyeglasses (lenses and frames) or contacts $300 max benefit (non-Medicare-covered eyewear) per calendar year for eyeglass (lenses and frames) or $350 max benefit per year for contacts
Hearing Aids (Up to two hearing aids every calendar year [one per ear])
$599 or $899 copay per hearing aid		$699 or $999 copay per hearing aid
Over-the-Counter (OTC) Items
Not covered	$25 per quarter
Transportation Assistance
Not covered		Not covered
Meals
Not covered		Not covered
Grocery Allowance
Not covered	Not covered
Travel Benefits
Emergency or urgent care coverage if you’re making a trip out of state or country.
Important Documents (All Plans)
Provider Directory Drug Formulary Star Ratings Formulary Change Notice Summary of Benefits
Documentos Importantes (Todos los planes)
Directorio d Proveedores Formulario de Medicamentos Recetados Calificaciones por Estrellas Resumen de Beneficios (Disponible próximamente)
Important Documents (Plan Specific)
Evidence of Coverage Annual Notice of Change	Evidence of Coverage
Documentos Importantes (Específico del Plan)
Evidencial de Cobertura Aviso Anual de Cambio	Evidence of Coverage

*The benefits mentioned are part of a special supplemental program for the chronically ill. Not all members qualify. A diagnosis of diabetes isn't required for insulin coverage.

** The Delta Dental plan will pay benefits for covered services provided by a non-participating provider. However, a non-participating provider may charge you more than the Maximum Plan Allowance payable under this Medicare Advantage plan and you’ll be responsible for all cost-sharing charges. See the Evidence of Coverage for full details.

Interested in Learning More About a
BayCarePlus Medicare Advantage (HMO) Plan?

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Download your FREE Medicare Advantage Decision Guide or request a copy by mail.

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Learn more about BayCarePlus plans at a FREE live seminar or webinar.

Schedule a Personal Consultation

Get your questions answered in a virtual or in-person appointment with a BayCarePlus advisor.

BayCarePlus Medicare Advantage Request a Kit

Talk with a Licensed Medicare Advisor

Discuss your options with a licensed Medicare advisor.

Important Disclaimers

*8am to 8pm, seven days a week. You may reach a messaging service on weekends from April 1 through September 30 and holidays. Please leave a message, and your call will be returned the next business day.

**Referrals are required for home health and occupational, speech and physical therapies.

For accommodations of persons with special needs at meetings call (877) 549-1741 (TTY: 711).

BayCare Select Health Plans is an HMO plan with a Medicare contract. Enrollment in BayCare Select Health Plans depends on contract renewal. All BayCare Select Health Plans include Part D drug coverage.

To enroll, you must have both Medicare Parts A and B and reside in the plan service area.

You must continue to pay your Medicare Part B premium. Enrollment in a BayCare Select Health Plan may be limited to specific times of the year.

Members must use plan providers except in emergency or urgent care situations. If a member obtains care from an out-of-network provider without prior approval from BayCare Select Health Plans, neither Medicare nor BayCare Select Health Plans will be responsible for the costs.

Information on our utilization management processes, including prior authorization, concurrent review, post service review and appeals, can be found online at Member.BayCarePlus.org.

Every year, Medicare evaluates plans based on a 5-star rating system.

BayCare Select Health Plans complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.

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Monthly Premium

Part B Premium Monthly Saving

Maximum Out-Of-Pocket Limit

Annual Deductible

Primary Care Physician Visits

Specialist Visits

Inpatient Hospital Care

Urgent Care

Emergency Care

Lab Services

Annual Deductible

Tier 1 Preferred Generic

Tier 2 Generic

Tier 3 Preferred Brand

Tier 4 Non-Preferred Brand

Tier 5 Specialty Drug

Mail Order 90-Day Supply (Tiers 1-4)

Diabetic Insulin 30-Day Supply (Tiers 1-5)

Initial Coverage Limit

Dental (Base Option)

Optional Comprehensive Dental ($49 per month)

Vision

Hearing Aids (Up to two hearing aids every calendar year [one per ear])

Over-the-Counter (OTC) Items

Transportation Assistance

Meals

Grocery Allowance

Travel Benefits

Important Documents (All Plans)

Documentos Importantes (Todos los planes)

Important Documents (Plan Specific)

Documentos Importantes (Específico del Plan)

Monthly Premium

Part B Premium Monthly Saving

Maximum Out-Of-Pocket Limit

Annual Deductible

Primary Care Physician Visits

Specialist Visits

Inpatient Hospital Care

Urgent Care

Emergency Care

Lab Services

Monthly Premium

Part B Premium Monthly Saving

Maximum Out-Of-Pocket Limit

Annual Deductible

Primary Care Physician Visits

Specialist Visits

Inpatient Hospital Care

Urgent Care

Emergency Care

Lab Services

Monthly Premium

Part B Premium Monthly Saving

Maximum Out-Of-Pocket Limit

Annual Deductible

Primary Care Physician Visits

Specialist Visits

Inpatient Hospital Care

Urgent Care

Emergency Care

Lab Services

Monthly Premium

Part B Premium Monthly Saving

Maximum Out-Of-Pocket Limit

Annual Deductible

Primary Care Physician Visits

Specialist Visits

Inpatient Hospital Care

Urgent Care

Emergency Care

Lab Services

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