Find a 2026 BayCarePlus® (HMO) Plan in Your Area

All of the BayCarePlus Medicare Advantage (HMO) plans bundle your hospital, medical, and prescription drug coverage, plus offer you extra benefits like dental, vision, fitness and more. Below is an overview of each 2026 plan so can easily compare your options.

Medicare Plans to Fit Your Needs

Get more plan details including the Summary of Benefits with the 2026 Enrollment Guide.

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

Monthly Premium

$0

 $0

$49

Part B Premium Monthly Saving

 $134 per month Not Covered Not Covered

Maximum Out-Of-Pocket Limit

 $3,700 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 $15 copay $25 copay

Inpatient Hospital Care

$200 copay per day, per stay: days 1–5

$0 copay per day, per stay: days 6 and beyond

$150 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 1–6

$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
  • Tier 1-2 - $0
  • Tier 3-5 - $90
  • Tier 1-2 - $0
  • Tier 3-5 - $90
  • Tier 1-2 - $0
  • Tier 3-5 - $90

Tier 1 Preferred Generic

 $0 copay $0 copay $0 copay

Tier 2 Generic

 $10 copay $10 copay $10 copay

Tier 3 Preferred Brand

 $47 copay $47 copay $47 copay

Tier 4 Non-Preferred Brand

33% coinsurance 33% coinsurance 33% coinsurance

Tier 5 Specialty Drug

32% coinsurance 32% coinsurance 32% coinsurance

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

$0 / $30 / $121 / 33%

$0 / $30 / $121 / 33%

 $0 / $30 / $121 / 33%

Tier 5 Mail Order (30 Day Supply)

 32% coinsurance 32% coinsurance 32% coinsurance

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

Initial Coverage Limit

$2,100
View the drugs covered by this plan
Extra Benefit Highlights

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 $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.

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 for eyeglasses (lenses and frames) and contacts.
  • $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) and 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

$35 per quarter

$145 per quarter

 $150 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
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

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

 $3,700 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 1–5

$0 copay per day, per stay: days 6 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

 $15 copay

Inpatient Hospital Care

$150 copay per day, per stay: days 1–5

$0 copay per day, per stay: days 6 and beyond

Urgent Care

 $20 copay

Emergency Care

 $125 copay

Lab Services

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

Monthly Premium

$49

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
  • Tier 1-2 - $0
  • Tier 3-5 - $90

Tier 1 Preferred Generic

 $0 copay

Tier 2 Generic

 $10 copay

Tier 3 Preferred Brand

 $47 copay

Tier 4 Non-Preferred Brand

33% coinsurance

Tier 5 Specialty Drug

32% coinsurance

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

$0 / $30 / $121 / 33%

Tier 5 Mail Order (30 Day Supply)

 32% coinsurance

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

Initial Coverage Limit

$2,100
View the drugs covered by this plan
Benefit BayCarePlus Complete
(HMO)
H2235-001

Annual Deductible
  • Tier 1-2 - $0
  • Tier 3-5 - $90

Tier 1 Preferred Generic

 $0 copay

Tier 2 Generic

 $10 copay

Tier 3 Preferred Brand

 $47 copay

Tier 4 Non-Preferred Brand

33% coinsurance

Tier 5 Specialty Drug

32% coinsurance

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

$0 / $30 / $121 / 33%

Tier 5 Mail Order (30 Day Supply)

 32% coinsurance

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

Initial Coverage Limit

$2,100
View the drugs covered by this plan
Benefit BayCarePlus Premier
(HMO)
H2235-003

Annual Deductible
  • Tier 1-2 - $0
  • Tier 3-5 - $90

Tier 1 Preferred Generic

 $0 copay

Tier 2 Generic

 $10 copay

Tier 3 Preferred Brand

 $47 copay

Tier 4 Non-Preferred Brand

33% coinsurance

Tier 5 Specialty Drug

32% coinsurance

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

 $0 / $30 / $121 / 33%

Tier 5 Mail Order (30 Day Supply)

 32% coinsurance

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

Initial Coverage Limit

$2,100
View the drugs covered by this plan
Extra Benefit Highlights
Benefit BayCarePlus Rewards
(HMO)
H2235-002

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 $2,000 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 for eyeglasses (lenses and frames) and 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

$35 per quarter

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
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

Documentos Importantes (Específico del Plan)

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

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.

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) and 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

$145 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
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

Documentos Importantes (Específico del Plan)

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

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.

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) and 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

 $150 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
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

Documentos Importantes (Específico del Plan)

Evidencial de Cobertura
Aviso Anual de Cambio

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.

BayCarePlus Privacy Policy
Learn about Fraud, Waste and Abuse
Medical Criteria Policy

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