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BayCarePlus Complete (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 Complete, 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

The BayCarePlus Complete plan also includes preventive dental coverage, transportation to and from doctor appointments, hearing aid coverage and even coverage for over-the-counter health care expenses.

BayCarePlus Complete members will also receive acupuncture benefits, post-hospitalization meals and access to BayCareAnywhere® 24/7 virtual doctor visits via video chat at no additional cost.

Learn more about all the extra benefits.

BayCarePlus High Quality Providers

Telehealth: Video Doctor Visits

Technology has changed the way we do everything, and that includes how we see doctors. If you’re too sick to leave the house or just want to practice social distancing, BayCarePlus covers telemedicine visits with your primary care doctor and specialists. You can also use the BayCareAnywhere mobile app to have an unscheduled video visit with a doctor for urgent care needs any time of day or night—even on holidays.

 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

Hospital and Medical Coverage

Your BayCarePlus plan provides comprehensive medical and hospital coverage with no annual deductible and low copayments.

Hospital and Medical Coverage

Monthly Premium


Part B Premium Reduction

$0 Per Month

Maximum Out-of-Pocket Limit

$3,500 Per Calendar Year

Annual Deductible


Preventive Care/Screenings

$0 Copay

Primary Care Physician Visits

$0 Copay

Specialist Doctor Visits

$15 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

$175 Copay per day, per stay: Days 1-5

$0 Copay per day, per stay: Days 6 and beyond

Outpatient Surgery at Hospital

$125 Copay

Outpatient Surgery at Ambulatory Surgery Center

$75 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 (30 day retail supply)

Tier 2 – Generics

$4 Copay (30 day retail supply)

Tier 3 – Preferred Brands

$35 Copay (30 day retail supply)

Tier 4 – Non-Preferred Brands

$85 Copay (30 day retail supply)

Tier 5 – Specialty Drugs

33% Co-insurance (30 day retail supply)

Mail Order – 90 Day Supply

Tier 1 – Preferred Generics:

  • $0 Copay

Tier 2 – Generics:

  • $0 Copay

Tier 3 – Preferred Brands:

  • $95 Copay

Tier 4 – Non-Preferred Brands:

  • $245 Copay

Tier 5 – Specialty Drugs:

  • No Coverage

Initial Coverage Limit


New for 2022! Special Supplemental Benefits for People with Diabetes

At BayCarePlus Medicare Advantage, we believe our members should be able to have affordable, easy access to benefits that’ll help them effectively manage their diabetes and avoid serious illness.

Any BayCarePlus Complete or Premier plan member who’s been diagnosed with diabetes will receive these new benefits. This includes the Insulin Savings Program. Members will have a predictable, stable copay for Select Insulins during the Initial Coverage and Coverage Gap phases. You aren’t eligible for the Insulin Savings Program if you receive Extra Help from the government or are a member of the BayCarePlus Rewards plan. If you’re a member of the Rewards plan, insulins are covered at the regular tier cost-share.

Select Insulins $4-$35 Copay per month
(remains through the coverage gap)
(30-day supply)
Diabetes Supplies $0 Copay when using a network pharmacy or contracted durable medical equipment (DME) provider
Additional Over-the-Counter (OTC) Dollars +$25/Quarter
Expanded Dental Benefit Up to three routine cleanings and one deep cleaning every 12 months
Enhanced Podiatry Benefit $0 Copay for up to four routine visits/calendar year, which include nail trimmings
Extra Nutrition Counseling $0 Copay for four additional hours/calendar year

Insulin Savings Program

As a member of the BayCarePlus Complete or Premier plan, you’ll have low, predictable copays on Select Insulins through our Insulin Savings Program.
Costs for Select Insulins will remain the same during the Initial Coverage and Coverage Gap phases of your prescription drug benefit. The program doesn’t apply during the Catastrophic Coverage stage.
Note that this program isn’t available if you receive Extra Help from the government.

Standard Retail Cost-Sharing
Tier 2 Select Insulins 30-Day Supply: $4 copay
60-Day Supply: $8 copay
90-Day Supply: $12 copay
Tier 3 Select Insulins 30-Day Supply: $35 copay
60-Day Supply: $70 copay
90-Day Supply: $105 copay
Mail-Order Pharmacy
Tier 2 Select Insulins 30-Day Supply: Not Offered
60-Day Supply: Not Offered
90-Day Supply: $0 copay
Tier 3 Select Insulins 30-Day Supply: Not Offered
60-Day Supply: Not Offered
90-Day Supply: $95 copay

Select Insulins are those that are part of the Insulin Savings Program and therefore will incur low, consistent copays through the coverage gap. For information regarding which insulins are Select Insulins under the plan’s benefit, refer to the plan’s Prescription Drug Formulary. See the Evidence of Coverage for more information regarding Select Insulins, including full cost-sharing information.

Plans may offer supplemental benefits in addition to Part C benefits and Part D benefits.

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 for a pair of eyeglasses (lenses and frames) or contacts ($100 max benefit/calendar year)

Preventive Dental Care

$0 Copay

Includes exams, horizontal bitewing x-rays & cleanings

Comprehensive Dental Care
(Optional Supplemental Benefit only)

  • Additional monthly premium $25
  • $0 Copays
  • No annual deductible
  • No maximum benefit amount per year
  • Crowns
  • Root canals
  • Complete or partial dentures with unlimited extractions

Some limitations apply. See Evidence of Coverage for complete details. Services must be received from an Argus dental provider. Learn more about our comprehensive dental benefits.

Over-the-Counter (OTC) Items

$65 Per Quarter


Up to two hearing aids every two calendar years (one per ear), $699 or $999 copay per hearing aid

Transportation Assistance

$0 Copay for 16 one-way trips to approved locations per calendar year

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


Up to 56 Home-delivered, post-discharge meals per calendar year

Therapeutic Massage

No Coverage


$20 Copay for up to 20 visits

Important Plan Documents

Download: Summary of Benefits (Updated: 09/30/2021)

Download: Resumen de Beneficios (Updated: 09/29/2021)

Download: Provider Directory (Updated: 04/06/2022)
Download: Directorio de Proveedores (Updated: 04/06/2022)
Download: Drug Formulary (Updated: 03/22/2022)
Download: Formulario de Medicamentos Recetados (Updated: 03/22/2022)
Download: Evidence of Coverage (Updated: 12/02/2021)
Download: Evidencia de Cobertura (Updated: 12/02/2021)
Download: Star Ratings (Updated: 10/27/2021)
Download: Calificaciones por Estrellas (Updated: 10/25/2021)
Download: Annual Notice of Change (Updated: 09/22/2021)
Download: Aviso Anual de Cambio (Updated: 10/06/2021)
Download: Low Income Subsidy Information (Updated: 09/30/2021)
Download: Información sobre Subsidios por Bajos Ingresos (Updated: 09/30/2021)

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

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