BayCarePlus Rewards (HMO)

BayCarePlus Complete Coverage

Complete Coverage with One Plan from One Company

BayCarePlus bundles medical, hospital and prescription drug coverage together into one convenient plan. With one insurance card and one number to call, we eliminate the hassle and cost of dealing with multiple insurance companies so you can focus on more important things.

BayCarePlus Low Premium

$0 Monthly Premium and NO Deductibles

With BayCarePlus, there are no additional premiums to pay. There are also no annoying deductibles to meet. Your coverage begins right away.

How can we offer $0 premiums? Find out.

BayCarePlus Coverage when Traveling

Coverage When Traveling

Whether you’re making a trip out of state or out of the country, BayCarePlus has you covered. If you ever get sick or injured when away from home, you can rest easy knowing you have emergency or urgent care coverage.

BayCarePlus Financial Protection

Financial Security

All of our plans include out-of-pocket protection that limits your annual health care costs and protects your savings in case of an emergency or unexpected illness. This important protection isn’t offered by traditional Medicare plans.

Are you protected? Find out.

BayCarePlus Money Saving Benefits

Money-Saving Extra Benefits

Every BayCarePlus plan comes with important extra benefits including preventive dental, vision and even free memberships to health clubs through the popular SilverSneakers® program for no additional premium.

New for 2021, BayCarePlus Rewards (HMO) plan members will also receive accupuncture benefits as well as access to BayCareAnywhere®, offering 24/7 virtual doctor visits via video chat.

Learn more about all the extra benefits.

BayCarePlus High Quality Providers

Great Doctors

The BayCarePlus provider network includes many of the area’s doctors and hospitals. These providers all share our commitment to delivering high-quality care and personal and attentive service. As a member of BayCarePlus, you’ll have access to the hospitals and doctors of BayCare, plus other hospitals and doctors throughout the Tampa Bay region. As a BayCarePlus member, you’ll choose a participating primary care physician to serve as your personal doctor. Your physician will work closely with you, help you manage your health and help coordinate your care with specialists and others.

 Benefits at a Glance

The following tables highlight some of the many benefits available to you as a valued BayCarePlus member. For more details and a complete list of benefits, please review our downloadable Summary of Benefits or Evidence of Coverage below.

Hospital and Medical Coverage

Your BayCarePlus plan provides comprehensive medical and hospital coverage with no annual deductible and low copayments. With the BayCarePlus Rewards plan, you receive $114 per month to subsidize the cost of your Part B premium. This is just another way we help you lower your out-of-pocket costs.

Hospital and Medical Coverage

Monthly Premium


Part B Premium Reduction

$114 Per month

Maximum Out-of-Pocket Limit

$4,500 Per year

Annual Deductible


Preventive Care/Screenings

$0 Copay

Primary Care Physician Visits

$0 Copay

Specialist Doctor Visits

$35 Copay

Urgent Care

$35 Copay

Emergency Care

$90 Copay

Lab Services

$0 Copay

Home Health Care

100% Coverage

Chiropractic Services

$20 Copay

Inpatient Hospital Care

$250 Per day for days 1-6
$0 Per day for day 7 and beyond

Outpatient Surgery at Hospital

$195 Copay

Outpatient Surgery at Ambulatory Surgery Center

$125 Copay

Part D Drug Coverage

This table shows the drug tiers associated with your plan, and the copayments or co-insurance that you will pay in each tier. A drug formulary provides a list of drugs that are covered by our plan.

Part D Drug Coverage

Annual Deductible


Tier 1 – Preferred Generics

$0 Copay

Tier 2 – Generics

$10 Copay

Tier 3 – Preferred Brands

$47 Copay

Tier 4 – Non-Preferred Brands

$100 Copay

Tier 5 – Specialty Drugs

33% Co-insurance

Mail Order – 90 Day Supply

$0 / $0 / $125 / $275 / no coverage

Initial Coverage Limit


Extra Benefits

Your BayCarePlus plan offers many valuable extras not offered by Original Medicare or Medicare supplement plans – at no additional cost to you.

Extra Benefits

Vision Care

$0 Copay: routine eye exam
$0 Copay: eyeglasses or contacts
($100 max benefit/calendar year)

Preventive Dental Care

$0 Copay

Comprehensive Dental Care

  • Additional Monthly Premium $14
  • $0 copays
  • No annual deductible
  • No maximum benefit amount per year
  • Crowns
  • Root canals
  • Complete or partial dentures

Some limitations apply. See Evidence of Coverage for complete details. Services must be received from an Argus dental provider.

Over-the-Counter (OTC) Items

No Coverage


Routine hearing exam: $30 Copay (one per calendar year)

Transportation Assistance

No Coverage

Fitness Club Membership

Included at no additional cost

Travel Benefits

Emergency or urgent care coverage if you are making a trip out of state or country


No Coverage

Therapuetic Massage

No Coverage


$20 Copay for up to 20 visits

Important Plan Documents

Ready to learn more about a BayCarePlus (HMO) plan?

BayCarePlus Request a Kit
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Decision Guide

Download your FREE Medicare Advantage Decision Guide or request a copy by mail.

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free seminar

Learn more about BayCarePlus plans at a FREE live seminar or webinar.

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personal consultation

Get your questions answered in a virtual or in-person appointment with a BayCarePlus advisor.

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licensed advisor

Discuss your options with a licensed Medicare advisor.

Call (877) 549-1741 (TTY: 711)