CarePlus Medicare Advantage 2024 Review

CarePlus Medicare Advantage plans are available in Florida only, and all plans get 4 stars (out of 5) from CMS.
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CarePlus Medicare Advantage - ME



CMS Star Rating

CarePlus plans come with high ratings and low premiums, but are available in Florida only.

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States available

1 state

Members in high-rated plans

High (90% or more)

Member experience

3.17 (Average)

States available

1 state

Members in high-rated plans

High (90% or more)

Member experience

3.17 (Average)


  • Many plans have a $0 premium.
  • Most plans include prescription drug coverage.


  • Available in Florida only.
  • CarePlus offers only HMO and HMO-POS plans, which provide less flexibility when seeking medical care.

CarePlus Health Plans, a subsidiary of Humana, offers Medicare Advantage plans in Florida. All CarePlus plans are highly rated and many offer $0 premiums.

Here’s what you should know about CarePlus Medicare Advantage.

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CarePlus Medicare Advantage pros and cons

CarePlus’ offerings have advantages and disadvantages.


Low-cost plans: Many of CarePlus’ Medicare Advantage plans have a $0 premium.

Drug coverage: Most CarePlus Medicare Advantage plans include prescription drug coverage.


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.

CarePlus Medicare star ratings

Average star rating, weighted by enrollment: 4.0

The Centers for Medicare & Medicaid Services 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.

Based on the most recent year of data and weighted by enrollment, CarePlus’ 2024 Medicare Advantage plans get an average rating of 4.0 stars

Centers for Medicare & Medicaid Services. 2024 Star Ratings Data Tables (Oct 13 2023). Accessed Apr 16, 2024.

For comparison, the average star rating for plans from all providers is 4.04

Centers for Medicare & Medicaid Services. 10.13.23 Fact Sheet - 2024 Medicare Advantage and Part D Ratings (PDF). Accessed Apr 16, 2024.

You can find a plan’s rating with the Medicare plan finding tool.

Still deciding on the right carrier? Compare Medicare Advantage plans

What does CarePlus Medicare Advantage cost?

Costs for Medicare Advantage plans depend on your plan, your geographic location and your health needs.


One of the costs to consider is the plan’s premium. In 2024, all CarePlus Medicare Advantage plans that aren’t special needs plans (SNPs) have a $0 premium, and half of CarePlus SNPs have a $0 premium

Centers for Medicare & Medicaid Services. CY2024_Landscape_Files_Final_20240314. Accessed Apr 16, 2024.

Even as a Medicare Advantage user, you’ll still be responsible for paying your Medicare Part B premium, which is $174.70 per month in 2024

Centers for Medicare & Medicaid Services. Costs. Accessed Apr 16, 2024.
, although some plans cover part or all of this cost. (Most people pay this standard amount, but if your income is above a certain threshold, you'll pay more.)

Copays, coinsurance and deductibles

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


CareFree (HMO)

Monthly premium: $0.

Out-of-pocket max: $3,850.


  • Primary care: $0.

  • Specialist: $25.

  • Tier 1 prescription drugs: $0.

CareOne Plus (HMO-POS)

Monthly premium: $0.

Out-of-pocket max: $2,750.


  • Primary care: $0.

  • Specialist: $0.

  • Tier 1 prescription drugs: $0.

CareFree Platinum (HMO)

Monthly premium: $0.

Out-of-pocket max: $3,300.


  • Primary care: $0.

  • Specialist: $40.

  • Tier 1 prescription drugs: $0.

Selected plans are available in ZIP code 32789.

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

There are a few kinds of CarePlus Medicare Advantage plans, and they vary in terms of structure, costs and benefits. CarePlus offers Medicare Advantage prescription drug plans (MAPDs), 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.

Third-party ratings

There are a few companies that weigh in on health plans or on the strength of the company in question, and we’ve included two here:

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 2023 U.S. Medicare Advantage Study — the ninth 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 five biggest Medicare markets, and here’s how CarePlus’s parent company, Humana, ranked out of all major providers:

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 173,000 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.

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 or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Still deciding on the right carrier? Compare Medicare Advantage plans