How We Offer Plans with Low or $0 Premiums and Reduce Your Part B Premium

A common question we hear is, “How can you provide so many benefits without charging a high premium?” It’s a great question. Here’s how:

Medicare pays private insurance companies like BayCarePlus to manage Medicare Advantage plans. We save money by cooperating with doctors and hospitals, eliminating waste and focusing on helping our members stay healthy. We pass those savings on to our members in the form of low and even $0 premiums, Part B premium reductions (certain plans), generous benefits, lower copays and no deductibles.

Not only is it great for our members, it’s also great for us because it makes us more competitive and helps us attract and keep more members in our plan. It is one of those rare “win-win” situations.

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

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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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H2235_24-074_M_2024  Last updated: 9/26/2023