BayCarePlus Gives You More Financial Protection than Original Medicare

When you have just Original Medicare, you’re responsible for 20 percent of your medical costs. With the cost of health care on the rise, that 20 percent can really add up. An unexpected illness or injury could put your savings and retirement at risk.

As a BayCarePlus member, instead of paying 20 percent of your costs, you pay small copays or coinsurance amounts when you see the doctor or have other health care services. The great news is that, unlike Original Medicare, BayCarePlus puts a limit on what you pay out of your own pocket for your covered medical services each year.

With BayCarePlus, no matter how many times you see the doctor or go to the hospital, your total out-of-pocket costs are capped. This means you can never pay more than that capped amount in a given year for your covered medical care. If you reach that limit during the year, you’ll pay nothing out of your own pocket for the remainder of the year.