The bottom line: CarePlus Health Plans, a subsidiary of Humana, offers Medicare Advantage plans in Florida. All CarePlus plans offer $0 premiums, and unlike many competitors that put caps on dental benefits, some CarePlus plans include dental coverage with no annual maximum dollar amount. Jump to: Full Review
CarePlus Medicare Advantage pros and cons
Pros
- $0-premium plans: All of CarePlus’ Medicare Advantage plans have a $0 premium.
- Dental coverage: There are multiple CarePlus plans with no annual maximum on dental coverage.
- Giveback benefits: Some CarePlus plans include a Giveback benefit that refunds some or all of your Medicare Part B premium.
Cons
- Limited availability: CarePlus offers Medicare Advantage plans in one state only: Florida.
- Only HMOs: CarePlus offers only HMO and HMO-POS plans, which generally provide the least flexibility when seeking medical care.
Compare against other providers
🔍 UnitedHealthcare Medicare Advantage
» More options in our roundup of the best Medicare Advantage plans
Compare against other providers
🔍 UnitedHealthcare Medicare Advantage
» More options in our roundup of the best Medicare Advantage plans
Our full review
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CarePlus Medicare star ratings
Average star rating, weighted by enrollment: 4
CarePlus Medicare Advantage plans are rated very slightly above the industry average, with an average rating of 4 stars out of 5 from the Centers for Medicare & Medicaid Services (CMS) for 2025, weighted by enrollment.
For comparison, the average weighted star rating for plans from all providers is 3.96.
CMS maintains star ratings for Medicare Advantage plans on a 5-point scale, ranking plans from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.
You can find a plan’s rating with the Medicare plan finding tool.
What does CarePlus Medicare Advantage cost?
In 2025, all CarePlus Medicare Advantage plans, including special needs plans (SNPs), have a $0 premium. You'll still be responsible for paying your Medicare Part B premium, which is $185 per month in 2025.
Most people pay this standard Part B amount, but if your income is above a certain threshold, you'll pay the income-related monthly adjustment amount (IRMAA). Some Medicare Advantage plans cover part or all of the Part B premium.
Requirements for copays, coinsurance and deductibles vary depending on your plan, location and the services you use. Other out-of-pocket costs to consider include:
Whether the plan covers any part of your monthly Medicare Part B premium.
The plan’s yearly deductibles and any other deductibles, such as a drug deductible.
Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.
The plan’s in-network and out-of-network out-of-pocket maximums.
Whether your medical providers are in-network or out-of-network, or how often you may go out of network for care.
Whether you require extra benefits, and if the plan charges for them.
Here are examples of CarePlus Medicare Advantage costs for the most popular plans in a mid-range city:
CarePlus Medicare Advantage plan | Pricing |
|---|---|
CareFree Giveback (HMO) | Monthly premium: $0. Deductible: None. Out-of-pocket max: $3,850 in-network. Copays:
Dental allowance: No annual maximum. |
CareOne Plus (HMO-POS) | Monthly premium: $0. Deductible: None. Out-of-pocket max: $2,750 combined in- and out-of-network. Copays:
Dental allowance: No annual maximum. |
CareFree Platinum Giveback (HMO) | Monthly premium: $0. Deductible: None. Out-of-pocket max: $3,300 in-network. Copays:
Dental allowance: No annual maximum. |
Selected plans are available in ZIP code 32789. * Inpatient hospital copay is per day for days 1-5. | |
| |
To get a sense of costs, use Medicare’s plan-finding tool to compare information among available plans in your area. You can select by insurance carrier to see only CarePlus plans or compare across carriers.
Available Medicare Advantage plans
CarePlus offers Medicare Advantage prescription drug plans as well as Medicare Advantage plans without drug coverage.
Plan offerings include the following types:
- HMO plans
A health maintenance organization (HMO) generally requires that you use a specific network of doctors and hospitals. You may need a referral from your primary doctor in order to see a specialist, and out-of-network benefits are usually very limited.
- HMO-POS plans
HMO point of service (POS) plans are HMO plans that allow members to get some out-of-network services, but they’ll pay more for those services.
- SNPs
Special needs plans (SNPs) restrict membership to people with certain diseases or characteristics. Hence, the benefits, network and drug formularies are tailored to the needs of those members. CarePlus offers two types of SNPs:
Chronic Condition SNP: Designed to meet the needs of members living with certain chronic conditions, such as diabetes, congestive heart failure and cardiovascular disease.
Dual-Eligible SNP: For people who are entitled to Medicare and who also qualify for assistance from a state Medicaid program.
CarePlus third-party ratings
AM Best Financial Strength Rating: A (Excellent)
AM Best is a credit rating agency that specializes in the insurance industry. In December 2024, AM Best affirmed the Financial Strength Rating of A (Excellent) for the majority of health and dental insurance subsidiaries of Humana Inc., including CarePlus Health Plans.
An A rating in this category indicates that AM Best believes Humana has an excellent ability to meet its ongoing insurance obligations.
J.D. Power Ranking
In its 2024 U.S. Medicare Advantage Study — the 10th it's done so far — J.D. Power measured member satisfaction with Medicare Advantage plans based on eight factors ranging from level of trust to how well a provider resolves problems or complaints. The study was fielded in the 10 biggest state Medicare markets, and here’s how CarePlus’s parent company, Humana, ranked out of all major providers:
California: 7th out of 8.
Florida: 5th out of 6.
Georgia: 2nd out of 4.
Illinois: 3rd out of 5.
Michigan: 4th out of 4.
New York: 5th out of 5.
North Carolina: 4th out of 4.
Ohio: 3rd out of 4.
Pennsylvania: 7th out of 7.
Texas: 2nd out of 6.
CarePlus Medicare Advantage service area
CarePlus offers Medicare Advantage plans in Florida only.
CarePlus' parent company, Humana, is the second-largest for-profit provider of Medicare Advantage plans in the country. CarePlus plans cover about 157,000 Medicare Advantage beneficiaries.
About CarePlus
CarePlus Health Plans was incorporated in 1985 as Florida 1st Health Plans. The company changed its name to CarePlus Health Plans in 2002, and its headquarters are in Miami. Humana acquired CarePlus in 2005. CarePlus offers Medicare Advantage plans.
» MORE: Read our review of Humana Medicare Advantage plans
CarePlus customer service
Here’s how CarePlus members can contact customer service:
Call Member Services at 800-794-5907 (TTY: 711). From Oct. 1 to March 31, services are open seven days a week, 8 a.m. to 8 p.m. And from April 1 to Sept. 30, services are open Monday to Friday, 8 a.m. to 8 p.m.
Compare Medicare Advantage providers
Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.
Find the right Medicare Advantage plan
It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:
What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
- All plans have $0 premiums.
- Dental coverage may be available with no annual maximum.
- Some plans include Giveback benefits that refund some or all of your Part B premium.
- Available in Florida only.
- Only HMO and HMO-POS plan options, which can limit your available provider network.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Centers for Medicare & Medicaid Services. 2025 Star Ratings Data Tables (ZIP). Accessed Apr 23, 2025.
- 2.Centers for Medicare & Medicaid Services. CY2025 Landscape (202412). Accessed Apr 23, 2025.
- 3.AM Best. AM Best Downgrades Credit Ratings of Humana Health of Puerto Rico Group’s Subsidiaries; Affirms Credit Ratings of Humana Inc. and Most of Its Health Insurance Subsidiaries. Accessed Apr 23, 2025.
- 4.J.D. Power. Regional Medicare Advantage Plans Have Higher Customer Satisfaction than Commercial Member Health Plans, J.D. Power Finds. Accessed Apr 23, 2025.
- 5.Chartis. Medicare Advantage market growth slows amid intensified headwinds. Accessed Apr 23, 2025.
Medicare Advantage review methodology
The Medicare Advantage marketplace is concentrated among just a handful of companies; in many places, one insurer serves more than half of the market. NerdWallet reviewed 26 Medicare Advantage brands, with some insurers having more than one brand under their umbrella. (For example, Blue Cross Blue Shield includes the brands Anthem and Highmark.) At the national level, these reviews include nine of the 10 largest brands by enrollment. At the state level, our research includes at least one major insurer in 47 of the 49 states that offer Medicare Advantage plans, and includes the top two insurers in 35 of those states. (Alaska doesn't offer Medicare Advantage plans.) We also look at online search volume to identify regional and other notable players in the space.
NerdWallet’s Medicare Advantage reviews are based on ratings data from the Centers for Medicare & Medicaid Services, as well as pricing, plan availability by state, plan types available, consumer experience, extra benefits offered and more. These reviews are a guide, but we encourage you to shop around and compare several plans to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines for additional information.
Compare Medicare Advantage plans
Insurance company | CMS star rating | States available | Members in high-rated plans | Member experience | Learn more |
|---|---|---|---|---|---|
(855) 821-0556 / TTY 711 Call UnitedHealthcarefrom UnitedHealthcare | |||||
3.95 | 3.95/5 | 49 states and Washington, D.C. | Medium (50% to 84%) | 3.41 (Average) | |
(855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | |||||
(855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.63 | 3.63/5 | 48 states, Washington, D.C., and Puerto Rico | Low (49% or less) | 3.62 (Above average) |
(855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | |||||
(855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.29 | 4.29/5 | 44 states and Washington, D.C. | High (85% to 100%) | 4.01 (Above average) |
(855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | |||||
(855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.97 | 3.97/5 | 29 states and Washington, D.C. | Medium (50% to 84%) | 3.82 (Above average) |