Find a 2025 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 2025 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. 

Request an Enrollment Guide
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Benefit BayCarePlus Rewards
(HMO)
H2235-002 		BayCarePlus Complete
(HMO)
H2235-001		 BayCarePlus Premier
(HMO)
H2235-003
Medical and Hospital

Monthly Premium

$0

 $0

$49
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 Not Covered

Maximum Out-Of-Pocket Limit

 $3,900 per calendar year $2,000 per calendar year $2,900 per calendar year

Annual Deductible

 $0 $0 $0

Primary Care Physician Visits

 $0 copay $0 copay $0 copay

Specialist Visits

 $25 copay $10 copay $25 copay

Inpatient Hospital Care

$200 copay per day, per stay: days 1–6

$0 copay per day, per stay: days 7 and beyond

$150 copay per day, per stay: days 1–6

$0 copay per day, per stay: days 7 and beyond

$175 copay per day, per stay: days 1–6

$0 copay per day, per stay: days 7 and beyond

Urgent Care

 $20 copay $20 copay $20 copay

Emergency Care

 $125 copay $125 copay $125 copay

Lab Services

$0 copay

$0 copay

 $0 copay
Part D Prescription Drug Coverage

Annual Deductible

 $0 $0 $0

Tier 1 Preferred Generic

 $0 copay $0 copay $0 copay

Tier 2 Generic

 $10 copay $3 copay $0 copay

Tier 3 Preferred Brand

 $47 copay $35 copay $30 copay

Tier 4 Non-Preferred Brand

 40% coinsurance 31% coinsurance 31% coinsurance

Tier 5 Specialty Drug

 33% coinsurance 33% coinsurance 33% coinsurance

Tier 6 – Select Maintenance Drug

 $0 copay $0 copay $0 copay

Tier 1-4 Mail Order (up to a 100 Day Supply)

$0 / $0 / $125 / 40%

$0 / $0 / $95 / 31%

 $0 / $0 / $80 / 31%

Tier 6 Mail Order (up to a 100 Day Supply)

 $0 copay $0 copay $0 copay

Diabetic Insulin (One Month Supply)
  • Tier 1 - N/A
  • Tier 2 - $10 copay
  • Tier 3 - $35 copay
  • Tier 4 - $35 copay
  • Tier 5 - N/A
  • Tier 1 - N/A
  • Tier 2 - $3 copay
  • Tier 3 - $35 copay
  • Tier 4 - $35 copay
  • Tier 5 - N/A
  • Tier 1 - N/A
  • Tier 2 - $0 copay
  • Tier 3 - $30 copay
  • Tier 4 - $35 copay
  • Tier 5 - N/A

Initial Coverage Limit

 $2,000
View the drugs covered by this plan
Extra Benefit Highlights

Dental (Base Option)
  • 0% coinsurance for covered preventive dental services including oral exams, X-rays and cleanings
  • 0% – 50% coinsurance for covered comprehensive dental depending on the service
  • Annual maximum of $2,000 for comprehensive dental.
  • 0% coinsurance for covered preventive dental services including oral exams, X-rays and cleanings
  • 0% – 50% coinsurance for covered comprehensive dental depending on the service
  • Annual maximum of $3,000 for comprehensive dental.

Optional Comprehensive Dental*
  • Monthly Premium: $50.20
  • 0% coinsurance for preventative dental services including oral exams, X-rays and cleanings
  • 0% coinsurance for comprehensive dental services
  • Annual maximum of $4,000 for comprehensive dental
  • Monthly Premium: $49.60
  • 0% coinsurance for preventative dental services including oral exams, X-rays and cleanings
  • 0% coinsurance 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

Over-the-Counter (OTC) Items

Not covered

$140 per quarter

 $175 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

Meals

Not covered

56 home-delivered, post-discharge meals per calendar year

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
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

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

Evidencial de Cobertura
Aviso Anual de Cambio
Medical and Hospital
Benefit BayCarePlus Rewards
(HMO)
H2235-002

Monthly Premium

$0

Part B Premium Monthly Saving

 $134 per month

Maximum Out-Of-Pocket Limit

 $3,900 per calendar year

Annual Deductible

 $0

Primary Care Physician Visits

 $0 copay

Specialist Visits

 $25 copay

Inpatient Hospital Care

$200 copay per day, per stay: days 1–6

$0 copay per day, per stay: days 7 and beyond

Urgent Care

 $20 copay

Emergency Care

 $125 copay

Lab Services

$0 copay
Benefit BayCarePlus Complete
(HMO)
H2235-001

Monthly Premium

 $0

Part B Premium Monthly Saving

 Not Covered

Maximum Out-Of-Pocket Limit

 $2,000 per calendar year

Annual Deductible

 $0

Primary Care Physician Visits

 $0 copay

Specialist Visits

 $10 copay

Inpatient Hospital Care

$150 copay per day, per stay: days 1–6

$0 copay per day, per stay: days 7 and beyond

Urgent Care

 $20 copay

Emergency Care

 $125 copay

Lab Services

$0 copay
Benefit BayCarePlus Premier
(HMO)
H2235-003

Monthly Premium

$49
You may be able to lower your premium, if you get Extra Help from Medicare

Part B Premium Monthly Saving

 Not Covered

Maximum Out-Of-Pocket Limit

 $2,900 per calendar year

Annual Deductible

 $0

Primary Care Physician Visits

 $0 copay

Specialist Visits

 $25 copay

Inpatient Hospital Care

$175 copay per day, per stay: days 1–6

$0 copay per day, per stay: days 7 and beyond

Urgent Care

 $20 copay

Emergency Care

 $125 copay

Lab Services

 $0 copay

Monthly Premium

$49
You may be able to lower your premium, if you get Extra Help from Medicare

Part B Premium Monthly Saving

 Not Covered

Maximum Out-Of-Pocket Limit

 $2,900 per calendar year

Annual Deductible

 $0

Primary Care Physician Visits

 $0 copay

Specialist Visits

 $25 copay

Inpatient Hospital Care

$175 copay per day, per stay: days 1–6

$0 copay per day, per stay: days 7 and beyond

Urgent Care

 $20 copay

Emergency Care

 $125 copay

Lab Services

 $0 copay

Monthly Premium

$49
You may be able to lower your premium, if you get Extra Help from Medicare

Part B Premium Monthly Saving

 Not Covered

Maximum Out-Of-Pocket Limit

 $2,900 per calendar year

Annual Deductible

 $0

Primary Care Physician Visits

 $0 copay

Specialist Visits

 $25 copay

Inpatient Hospital Care

$175 copay per day, per stay: days 1–6

$0 copay per day, per stay: days 7 and beyond

Urgent Care

 $20 copay

Emergency Care

 $125 copay

Lab Services

 $0 copay

Monthly Premium

$49
You may be able to lower your premium, if you get Extra Help from Medicare

Part B Premium Monthly Saving

 Not Covered

Maximum Out-Of-Pocket Limit

 $2,900 per calendar year

Annual Deductible

 $0

Primary Care Physician Visits

 $0 copay

Specialist Visits

 $25 copay

Inpatient Hospital Care

$175 copay per day, per stay: days 1–6

$0 copay per day, per stay: days 7 and beyond

Urgent Care

 $20 copay

Emergency Care

 $125 copay

Lab Services

 $0 copay
Part D Prescription Drug Coverage
Benefit BayCarePlus Rewards
(HMO)
H2235-002

Annual Deductible

 $0

Tier 1 Preferred Generic

 $0 copay

Tier 2 Generic

 $10 copay

Tier 3 Preferred Brand

 $47 copay

Tier 4 Non-Preferred Brand

 40% coinsurance

Tier 5 Specialty Drug

 33% coinsurance

Tier 6 – Select Maintenance Drug

 $0 copay

Tier 1-4 Mail Order (up to a 100 Day Supply)

$0 / $0 / $125 / 40%

Tier 6 Mail Order (up to a 100 Day Supply)

 $0 copay

Diabetic Insulin (One Month Supply)
  • Tier 1 - N/A
  • Tier 2 - $10 copay
  • Tier 3 - $35 copay
  • Tier 4 - $35 copay
  • Tier 5 - N/A

Initial Coverage Limit

 $2,000
View the drugs covered by this plan
Benefit BayCarePlus Complete
(HMO)
H2235-001

Annual Deductible

 $0

Tier 1 Preferred Generic

 $0 copay

Tier 2 Generic

 $3 copay

Tier 3 Preferred Brand

 $35 copay

Tier 4 Non-Preferred Brand

 31% coinsurance

Tier 5 Specialty Drug

 33% coinsurance

Tier 6 – Select Maintenance Drug

 $0 copay

Tier 1-4 Mail Order (up to a 100 Day Supply)

$0 / $0 / $95 / 31%

Tier 6 Mail Order (up to a 100 Day Supply)

 $0 copay

Diabetic Insulin (One Month Supply)
  • Tier 1 - N/A
  • Tier 2 - $3 copay
  • Tier 3 - $35 copay
  • Tier 4 - $35 copay
  • Tier 5 - N/A

Initial Coverage Limit

 $2,000
View the drugs covered by this plan
Benefit BayCarePlus Premier
(HMO)
H2235-003

Annual Deductible

 $0

Tier 1 Preferred Generic

 $0 copay

Tier 2 Generic

 $0 copay

Tier 3 Preferred Brand

 $30 copay

Tier 4 Non-Preferred Brand

 31% coinsurance

Tier 5 Specialty Drug

 33% coinsurance

Tier 6 – Select Maintenance Drug

 $0 copay

Tier 1-4 Mail Order (up to a 100 Day Supply)

 $0 / $0 / $80 / 31%

Tier 6 Mail Order (up to a 100 Day Supply)

 $0 copay

Diabetic Insulin (One Month Supply)
  • Tier 1 - N/A
  • Tier 2 - $0 copay
  • Tier 3 - $30 copay
  • Tier 4 - $35 copay
  • Tier 5 - N/A

Initial Coverage Limit

 $2,000
View the drugs covered by this plan

Annual Deductible

 $0

Tier 1 Preferred Generic

 $0 copay

Tier 2 Generic

 $0 copay

Tier 3 Preferred Brand

 $30 copay

Tier 4 Non-Preferred Brand

 31% coinsurance

Tier 5 Specialty Drug

 33% coinsurance

Tier 6 – Select Maintenance Drug

 $0 copay

Tier 1-4 Mail Order (up to a 100 Day Supply)

 $0 / $0 / $80 / 31%

Tier 6 Mail Order (up to a 100 Day Supply)

 $0 copay

Diabetic Insulin (One Month Supply)
  • Tier 1 - N/A
  • Tier 2 - $0 copay
  • Tier 3 - $30 copay
  • Tier 4 - $35 copay
  • Tier 5 - N/A

Initial Coverage Limit

 $2,000
View the drugs covered by this plan

Annual Deductible

 $0

Tier 1 Preferred Generic

 $0 copay

Tier 2 Generic

 $0 copay

Tier 3 Preferred Brand

 $30 copay

Tier 4 Non-Preferred Brand

 31% coinsurance

Tier 5 Specialty Drug

 33% coinsurance

Tier 6 – Select Maintenance Drug

 $0 copay

Tier 1-4 Mail Order (up to a 100 Day Supply)

 $0 / $0 / $80 / 31%

Tier 6 Mail Order (up to a 100 Day Supply)

 $0 copay

Diabetic Insulin (One Month Supply)
  • Tier 1 - N/A
  • Tier 2 - $0 copay
  • Tier 3 - $30 copay
  • Tier 4 - $35 copay
  • Tier 5 - N/A

Initial Coverage Limit

 $2,000
View the drugs covered by this plan

Annual Deductible

 $0

Tier 1 Preferred Generic

 $0 copay

Tier 2 Generic

 $0 copay

Tier 3 Preferred Brand

 $30 copay

Tier 4 Non-Preferred Brand

 31% coinsurance

Tier 5 Specialty Drug

 33% coinsurance

Tier 6 – Select Maintenance Drug

 $0 copay

Tier 1-4 Mail Order (up to a 100 Day Supply)

 $0 / $0 / $80 / 31%

Tier 6 Mail Order (up to a 100 Day Supply)

 $0 copay

Diabetic Insulin (One Month Supply)
  • Tier 1 - N/A
  • Tier 2 - $0 copay
  • Tier 3 - $30 copay
  • Tier 4 - $35 copay
  • Tier 5 - N/A

Initial Coverage Limit

 $2,000
View the drugs covered by this plan
Extra Benefit Highlights
Benefit BayCarePlus Rewards
(HMO)
H2235-002

Dental (Base Option)
  • 0% coinsurance for covered preventive dental services including oral exams, X-rays and cleanings
  • 0% – 50% coinsurance for covered comprehensive dental depending on the service
  • Annual maximum of $2,000 for comprehensive dental.

Optional Comprehensive Dental*
  • Monthly Premium: $50.20
  • 0% coinsurance for preventative dental services including oral exams, X-rays and cleanings
  • 0% coinsurance 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

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

$599 or $899 copay per hearing aid

Over-the-Counter (OTC) Items

Not covered

Transportation Assistance

Not covered

Meals

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
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

Documentos Importantes (Específico del Plan)

Evidencial de Cobertura
Aviso Anual de Cambio
Benefit BayCarePlus Complete
(HMO)
H2235-001

Dental (Base Option)
  • 0% coinsurance for covered preventive dental services including oral exams, X-rays and cleanings
  • 0% – 50% coinsurance for covered comprehensive dental depending on the service
  • Annual maximum of $3,000 for comprehensive dental.

Optional Comprehensive Dental*
  • Monthly Premium: $49.60
  • 0% coinsurance for preventative dental services including oral exams, X-rays and cleanings
  • 0% coinsurance for comprehensive dental services
  • Annual maximum of $4,000 for comprehensive dental

Vision
  • $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])

$699 or $999 copay per hearing aid

Over-the-Counter (OTC) Items

$140 per quarter

Transportation Assistance

$0 copay for 16 one-way trips to approved locations per calendar year

Meals

56 home-delivered, post-discharge meals per calendar year

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
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

Documentos Importantes (Específico del Plan)

Evidencial de Cobertura
Aviso Anual de Cambio
Benefit BayCarePlus Premier
(HMO)
H2235-003

Dental (Base Option)
  • 0% coinsurance for covered preventive dental services including oral exams, X-rays and cleanings
  • 0% – 50% coinsurance for covered comprehensive dental depending on the service
  • Annual maximum of $3,000 for comprehensive dental.

Optional Comprehensive Dental*
  • Monthly Premium: $49.60
  • 0% coinsurance for preventative dental services including oral exams, X-rays and cleanings
  • 0% coinsurance for comprehensive dental services
  • Annual maximum of $4,000 for comprehensive dental

Vision
  • $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

Over-the-Counter (OTC) Items

 $175 per quarter

Transportation Assistance

 $0 copay for 24 one-way trips to approved locations per calendar year

Meals

56 home-delivered, post-discharge meals per calendar year

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
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

Documentos Importantes (Específico del Plan)

Evidencial de Cobertura
Aviso Anual de Cambio

Dental (Base Option)
  • 0% coinsurance for covered preventive dental services including oral exams, X-rays and cleanings
  • 0% – 50% coinsurance for covered comprehensive dental depending on the service
  • Annual maximum of $3,000 for comprehensive dental.

Optional Comprehensive Dental*
  • Monthly Premium: $49.60
  • 0% coinsurance for preventative dental services including oral exams, X-rays and cleanings
  • 0% coinsurance for comprehensive dental services
  • Annual maximum of $4,000 for comprehensive dental

Vision
  • $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

Over-the-Counter (OTC) Items

 $175 per quarter

Transportation Assistance

 $0 copay for 24 one-way trips to approved locations per calendar year

Meals

56 home-delivered, post-discharge meals per calendar year

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
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

Documentos Importantes (Específico del Plan)

Evidencial de Cobertura
Aviso Anual de Cambio

Dental (Base Option)
  • 0% coinsurance for covered preventive dental services including oral exams, X-rays and cleanings
  • 0% – 50% coinsurance for covered comprehensive dental depending on the service
  • Annual maximum of $3,000 for comprehensive dental.

Optional Comprehensive Dental*
  • Monthly Premium: $49.60
  • 0% coinsurance for preventative dental services including oral exams, X-rays and cleanings
  • 0% coinsurance for comprehensive dental services
  • Annual maximum of $4,000 for comprehensive dental

Vision
  • $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

Over-the-Counter (OTC) Items

 $175 per quarter

Transportation Assistance

 $0 copay for 24 one-way trips to approved locations per calendar year

Meals

56 home-delivered, post-discharge meals per calendar year

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
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

Documentos Importantes (Específico del Plan)

Evidencial de Cobertura
Aviso Anual de Cambio

Dental (Base Option)
  • 0% coinsurance for covered preventive dental services including oral exams, X-rays and cleanings
  • 0% – 50% coinsurance for covered comprehensive dental depending on the service
  • Annual maximum of $3,000 for comprehensive dental.

Optional Comprehensive Dental*
  • Monthly Premium: $49.60
  • 0% coinsurance for preventative dental services including oral exams, X-rays and cleanings
  • 0% coinsurance for comprehensive dental services
  • Annual maximum of $4,000 for comprehensive dental

Vision
  • $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

Over-the-Counter (OTC) Items

 $175 per quarter

Transportation Assistance

 $0 copay for 24 one-way trips to approved locations per calendar year

Meals

56 home-delivered, post-discharge meals per calendar year

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
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

Documentos Importantes (Específico del Plan)

Evidencial de Cobertura
Aviso Anual de Cambio
*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.