Financial Protection with BayCarePlus

When you have just Original Medicare, you’re responsible for 20 percent of your medical costs. With the cost of health care on the rise, that 20 percent can really add up. An unexpected illness or injury could put your savings and retirement at risk.

As a BayCarePlus member, instead of paying 20 percent of your costs, you pay small copays or coinsurance amounts when you see the doctor or have other health care services. The great news is that, unlike Original Medicare, BayCarePlus puts a limit on what you pay out of your own pocket for your covered medical services each year.

With BayCarePlus, no matter how many times you see the doctor or go to the hospital, your total out-of-pocket costs are capped. This means you can never pay more than that capped amount in a given year for your covered medical care. If you reach that limit during the year, you’ll pay nothing out of your own pocket for the remainder of the year.

Important Disclaimers

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.

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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MID: H2235_25-077_M_2025 - Last updated: 9/25/2024