What Is The CarePlus Medicare Advantage 2023 Review?
The CarePlus Medicare Advantage 2023 Review? Humana’s CarePlus Health Plans offers Florida Medicare Advantage plans. Most CarePlus plans have $0 premiums.
CarePlus Medicare Advantage information.
CarePlus Medicare Advantage pros and cons
CarePlus’ offerings have advantages and disadvantages.
- CarePlus’ Medicare Advantage plans offer $0 premiums.
- Humana, CarePlus’ parent business, ranked second in JD Power’s 2022 Medicare Advantage member satisfaction index.
- Most CarePlus Medicare Advantage plans cover drugs.
- Only Florida has CarePlus Medicare Advantage programmes.
- CarePlus only offers HMOs, which offer the least medical care options.
Available Medicare Advantage plans
Structure, pricing, and benefits vary among CarePlus Medicare Advantage plans. CarePlus offers MAPDs and MA plans without medication coverage.
HMOs require you to use a certain network of doctors and hospitals. Your main doctor may send you to a specialist, and out-of-network benefits are limited.
SNPs limit participation to those with certain diseases or traits. So, the advantages, network, and prescription formularies are customised. CarePlus has two SNPs:
Chronic Condition SNP: Designed for members with diabetes, heart failure, and cardiovascular illness.
Dual-eligible SNP: For Medicare and Medicaid recipients.
CarePlus Medicare Advantage plans offer benefits that Original Medicare doesn’t. Some instances, however plan availability varies:
- Members may receive a monthly over-the-counter allowance for cough medicine and pain medicines.
- CareCard: Members may receive a pre-loaded card to pay for dentistry, hearing, or vision care outside plan coverage.
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- SilverSneakers members can enjoy live and prerecorded online workout classes.
- After an overnight hospital or nursing home stay, members may get food delivery.
- Chemotherapy-related wigs may be reimbursed.
- Some plans reimburse Part B monthly premiums.
- CarePlus members can call customer service:
- 800-794-5907 Member Services (TTY: 711). Oct. 1 to March 31: 8 a.m. to 8 p.m. April 1 to September 30: 8 a.m. to 8 p.m.
CarePlus Medicare Advantage service area
Only Florida offers CarePlus Medicare Advantage plans.
Humana, CarePlus’ parent business, is the second-largest Medicare Advantage provider
Plan, geography, and health needs affect Medicare Advantage costs. The plan’s premium is a cost. Most CarePlus Medicare Advantage plans cost nothing.
In 2023, all non-special needs CarePlus Medicare Advantage plans have a $0 premium and 80% of SNPs do as well. CarePlus SNPs with $14.70 to $18.10 monthly premiums
Even with Medicare Advantage, you must pay your Medicare Part B premium of $170.10 per month in 2022 ($164.90 in 2023), but some plans cover part or all of this expense. If your income is above a specific threshold, you’ll pay more.
- The plan’s Medicare Part B premium coverage.
- Annual deductibles and additional deductibles, including a prescription deductible.
- Each visit or treatment requires copayments or coinsurance. For example, your basic doctor may cost $10 and a specialist $45.
- In-network and out-of-network deductibles.
- How often you can see an out-of-network doctor.
- Extra perks and whether the plan costs for them.
To compare expenses, use Medicare’s plan-finding tool. You can compare CarePlus plans across insurance carriers or by carrier. CarePlus’ website lets you shop by ZIP code.
Weighted average rating: 4.0
CMS ranks Medicare Advantage programmes from best (5 stars) to poorest (1 star) (1 star). The agency rates plans based on care quality and customer satisfaction, and ratings may alter annually.
Based on enrollment, CarePlus’ 2023 Medicare Advantage plans average 4.0 stars.
All plans average 4 stars .15
Where did CarePlus outperform?
CMS uses 40 plan elements to rate contracts. CMS Star Ratings Technical Notes define each factor. CarePlus plans averaged 4.5 or above on the following measures:
Where did CarePlus struggle?
Several CarePlus plans scored below 3.0. CMS Star Ratings Technical Notes define each factor.
Two companies offer opinions on health plans and company strength:
AM Best Financial Strength Rating: A- (Excellent)
AM Best rates insurance companies. AM Best validated CarePlus Health Plans’ A- (Excellent) Financial Strength Rating in September 2022.
AM Best believes Humana can meet its ongoing insurance commitments with an A-rating.
JD Power Ranking: 2nd out of 9
JD Power examined member satisfaction with Medicare Advantage plans based on coverage and benefits, physician choice, pricing, customer service, information and communication, and billing and payment. Humana, CarePlus’ parent business, scored 824 out of 1,000 and ranked second among the top nine Medicare Advantage providers.
Compare Medicare Advantage providers
Learn about major Medicare Advantage providers below. These insurers serve most states. ZIP code and county determine available plans.
Florida 1st Health Plans became CarePlus Health Plans in 1985. Miami-based CarePlus Health Plans changed its name in 2002. 2005: Humana bought CarePlus.
CarePlus services approximately 200,000 Florida Medicare Advantage enrollees.
Find the right Medicare Advantage plan
- Costs of the plan? Do you comprehend premiums, deductibles, copays, and coinsurance? Cost-effective?
- Your doctor in-network? Make sure your favourite doctors are in the plan’s network.
- Medications covered? Medications must be covered by the plan. What tier are your prescriptions, and are there coverage rules?
- Dentist coverage? Vision, dental, and hearing coverage?
- Extras? Does the plan include fitness memberships, transportation, or meal delivery?