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.
- Affordable prescription drugs: Almost all CarePlus plans include prescription drug coverage with relatively low out-of-pocket costs.
- Giveback benefits: Some CarePlus plans include a Giveback benefit that refunds some or all of your Medicare Part B premium.
- Dental coverage: There are multiple CarePlus plans with no annual maximum on dental coverage.
Cons
- Limited availability: CarePlus offers Medicare Advantage plans in one state only: Florida.
- Only HMOs: CarePlus offers 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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NerdWallet star rating for CarePlus Medicare Advantage
CarePlus Medicare Advantage plans earned 5 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account premiums, out-of-pocket costs, government quality ratings, customer complaints, disenrollment survey data, third party quality accreditation and more.
NerdWallet star ratings are different from CMS ratings for Medicare plans.
Our data-driven, consumer-first scoring rubric for Medicare Advantage plans includes crucial metrics like cost and a wider range of data sources for quality and customer satisfaction in addition to the information incorporated into CMS ratings.
Government quality ratings for CarePlus
Average CMS rating, weighted by enrollment: 4.5
CarePlus Medicare Advantage plans are rated above the industry average, with an average rating of 4.5 stars out of 5 from the Centers for Medicare & Medicaid Services (CMS) for 2026, weighted by enrollment. For comparison, the average weighted star rating for plans from all providers is 4.02.
Of CarePlus members who are in Medicare Advantage plans with a star rating, 100% are in plans that have been rated 4 stars or above for 2026.
CMS maintains its own database of star ratings, which rank each plan 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.
All Medicare Advantage plans are evaluated on health plan measures, and Medicare Advantage plans that include prescription drug coverage are also evaluated on drug plan measures.
You can find a plan’s rating with Medicare's plan finding tool.
What does CarePlus Medicare Advantage cost?
Premiums
100% of CarePlus Medicare Advantage plans have a $0 premium.
You'll still be responsible for paying your Medicare Part B premium, which is $202.90 per month in 2026.
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.
Prescription drugs
About 97% of CarePlus Medicare Advantage plans include prescription drug coverage.
Here’s what you might pay for prescription drugs at some common price points.
Tier 1 (Preferred generics) 100% of CarePlus Medicare Advantage plans have $0 copays/coinsurance.
$0: Average out-of-pocket cost for a drug with a $15 retail price, among CarePlus plans with copays or coinsurance at Tier 1 (after deductible, if any).
Tier 2 (Most generics) 96.9% of CarePlus Medicare Advantage plans have $0 copays/coinsurance.
$5: Average out-of-pocket cost for a drug with a $50 retail price, among CarePlus plans with copays or coinsurance at Tier 2 (after deductible, if any).
Tier 3 (Preferred brands) 11.7% of CarePlus Medicare Advantage plans have $0 copays/coinsurance.
$37.04: Average out-of-pocket cost for a drug with a $200 retail price, among CarePlus plans with copays or coinsurance at Tier 3 (after deductible, if any).
Other out-of-pocket costs
CarePlus Medicare Advantage plans have an average maximum out-of-pocket (MOOP) spending cap of $3,262, weighted by enrollment. That’s significantly lower than average among the companies NerdWallet reviews.
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.
To get a sense of costs, Medicare.gov and most other Medicare shopping tools can help you compare plans' premiums and out-of-pocket costs for certain services and prescription drugs in your location.
Why do people leave CarePlus Medicare Advantage plans?
CMS surveys people who voluntarily leave their Medicare plans about their reasons for leaving. Here’s the breakdown of problems people identified with their former CarePlus Medicare plans.
Problems getting covered care: 15% (All-company average: 11%).
Problems with doctor/hospital networks: 22% (All-company average: 17%).
Financial issues: 11% (All-company average: 17%).
Problems with prescription drug benefits: 8% (All-company average: 3%).
Problems getting information from the plan: 8% (All-company average: 9%).
(Members can give more than one reason for leaving on the survey and might leave plans for other reasons, so the categories won’t add up to 100%.)
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:
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 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.
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 2025, 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.
JD Power Ranking
JD Power releases an annual study measuring member satisfaction with Medicare Advantage plans. It uses eight factors, such as level of trust, ability to get health services, ease of doing business and resolving problems or complaints.
Here’s how CarePlus’ parent company, Humana, ranked among major providers in the 10 Medicare markets surveyed:
California: 7th out of 8.
Florida: 2nd out of 6.
Georgia: 4th out of 5.
Illinois: 3rd out of 5.
Michigan: 5th out of 5.
New York: 3rd out of 6.
North Carolina: 4th out of 4.
Ohio: 4th out of 4.
Pennsylvania: 6th out of 7.
Texas: 5th 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 over 170,000 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 insurance companies. 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 preferred medical 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.
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. 2026 Star Ratings Data Tables (ZIP). Accessed Apr 28, 2026.
- 2.NerdWallet analysis of CMS data. CY2026 Landscape (202603). Accessed Apr 28, 2026.
- 3.NerdWallet analysis of CMS data. Beneficiary Cost File. Accessed Apr 28, 2026.
- 4.NerdWallet analysis of CMS data. 2026 Star Ratings Data Table - Disenrollment Reasons (Oct 8 2025). Accessed Apr 28, 2026.
- 5.AM Best. AM Best Affirms Credit Ratings of Humana Inc. and Its Subsidiaries. Accessed Apr 28, 2026.
- 6.JD Power. Medicare Advantage Plan Member Satisfaction Facing Headwinds; Digital Innovation an Emerging New Solution, JD Power Finds. Accessed Apr 28, 2026.
- 7.American Medical Association. Competition in Health Insurance. Accessed Apr 28, 2026.
- 8.NerdWallet analysis of CMS data. Monthly Enrollment by Plan. Accessed Apr 28, 2026.
Medicare Advantage review methodology
NerdWallet’s Medicare Advantage ratings are based on premiums, out-of-pocket costs, prescription drug coverage, quality data from the Centers for Medicare & Medicaid Services, consumer experience and more. We calculate each health insurance company’s rating on a curved 5-point scale.
NerdWallet’s editorial team analyzed companies covering about 87% of all Medicare Advantage beneficiaries in the United States. We reviewed 25 Medicare Advantage brands, with some insurance companies having more than one brand under their umbrella. (For example, Blue Cross Blue Shield includes the brands Anthem and Highmark.)
The Medicare Advantage marketplace is concentrated among just a handful of companies. In many places, one company serves more than half of the market. At the national level, NerdWallet’s reviews include each of the 10 largest brands by enrollment.
At the state level, our research includes at least one major insurer in every state where Medicare Advantage plans are sold, and includes the top two insurers in 40 of those 49 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.
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) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.11 | 4.11/5 | 48 states and Washington, D.C. | Medium (50% to 84%) | 3.74 (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 | 3.79 | 3.79/5 | 46 states and Washington, D.C. | Low (49% or less) | 3.82 (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 http://askchapter.org on NerdWallet | 4.20 | 4.20/5 | 43 states and Washington, D.C. | Medium (50% to 84%) | 3.89 (Above average) | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on http://askchapter.org on NerdWallet |
(855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.76 | 3.76/5 | 29 states and Washington, D.C. | Medium (50% to 84%) | 3.96 (Above average) | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |