We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.
CarePlus Medicare Advantage 2024-2025 Review
CarePlus Medicare Advantage plans are available in Florida only, and all plans get 4 stars (out of 5) from CMS.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Kate Ashford, CSA® Lead Writer | Medicare, retirement, personal finance
Kate Ashford is a writer and NerdWallet authority on Medicare. She is a certified senior advisor (CSA)® and has more than 20 years of experience writing about personal finance. Previously, she was a freelance writer for both consumer and business publications, and her work has been published by the BBC, Forbes, Money, AARP, LearnVest and Parents, among others. She has a degree from the University of Virginia and a master’s degree in journalism from Northwestern’s Medill School of Journalism. Kate has appeared as a Medicare expert on the PennyWise podcast by Lee Enterprises, and she's been quoted in national publications including Healthline, Real Simple and SingleCare. She is based in New York.
Holly Carey joined NerdWallet in 2021 as an editor on the team responsible for expanding content to additional topics within personal finance. She currently leads the Medicare team. Previously, Holly wrote and edited content and developed digital media strategies as a public affairs officer for the U.S. Navy. She is based in Virginia Beach, Virginia.
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
4
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.
M-F 8am-10pm EST, Sa-Su 9am-9pm EST
Speak to a licensed insurance agent on askchapter.org
M-F 8am-10pm EST, Sa-Su 9am-9pm EST
Speak to a licensed insurance agent on askchapter.org
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
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
3.82
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.
M-F 8am-10pm EST, Sa-Su 9am-9pm EST
Speak to a licensed insurance agent on askchapter.org
M-F 8am-10pm EST, Sa-Su 9am-9pm EST
Speak to a licensed insurance agent on askchapter.org
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.
M-F 8am-10pm EST, Sa-Su 9am-9pm EST
Speak to a licensed insurance agent on askchapter.org
M-F 8am-10pm EST, Sa-Su 9am-9pm EST
Speak to a licensed insurance agent on askchapter.org
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
NerdWallet’s Medicare content, including articles, reviews and recommendations, is produced by a team of writers and editors who specialize in Medicare. Their work has appeared in The Associated Press, Washington Post, Nasdaq, MSN, MarketWatch, Yahoo! Finance and other national and regional media outlets. They have been cited in publications including Healthline, and appeared on NerdWallet's "Smart Money" podcast.
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
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'll still be responsible for paying your Medicare Part B premium, which is $174.70 per month in 2024 ($185 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:
Primary care: $0.
Specialist: $15.
Emergency care: $140.
Inpatient hospital: $150.*
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:
Primary care: $0.
Specialist: $0.
Emergency care: $100.
Inpatient hospital: $60.*
Dental allowance: No annual maximum.
CareFree Platinum Giveback (HMO)
Monthly premium: $0.
Deductible: None.
Out-of-pocket max: $3,300 in-network.
Copays:
Primary care: $0.
Specialist: $20.
Emergency care: $140.
Inpatient hospital: $225.*
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.
Third-party ratings
AM Best Financial Strength Rating: A (Excellent)
AM Best is a credit rating agency that specializes in the insurance industry. In September 2023, AM Best upgraded its Financial Strength Rating to 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
. CarePlus plans cover about 162,000 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.
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.
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.
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).
CarePlus
4
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
CarePlus offers well rated $0-premium plans in Florida, some of which have dental coverage with no annual maximum.
We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.
States available
1 state
Members in high-rated plansPercentage of members who are in rated contracts with a Medicare star rating of 4 or higher.
High (85% to 100%)
Member experienceThe average of CMS' star ratings for quality measures in the domain "Member Experience with the Health Plan," weighted by contract enrollment.
4 (Above average)
IS THIS PROVIDER AVAILABLE IN MY STATE?
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
Pros
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.
Cons
Available in Florida only.
Only HMO and HMO-POS plan options, which can limit your available provider network.
States available
1 state
Members in high-rated plansPercentage of members who are in rated contracts with a Medicare star rating of 4 or higher.
High (85% to 100%)
Member experienceThe average of CMS' star ratings for quality measures in the domain "Member Experience with the Health Plan," weighted by contract enrollment.
4 (Above average)
IS THIS PROVIDER AVAILABLE IN MY STATE?
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
PROS & CONS
Pros
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.
Cons
Available in Florida only.
Only HMO and HMO-POS plan options, which can limit your available provider network.