BayCarePlus Rewards (HMO)
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.
$0 Monthly Premium and NO Deductibles
Our BayCarePlus Rewards (HMO) plan offers you comprehensive coverage for a $0 monthly premium. Plus, we will give you back $123 every month on your Part B premium. That’s a savings of up to $1,476 a year. And, there’s no annoying deductibles to meet. Your coverage begins right away.
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.
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.
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 Silver&Fit® program for no additional premium.
BayCarePlus Rewards (HMO) plan members will also have access to BayCareAnywhere®, offering 24/7 virtual doctor visits via video chat.
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.
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 save $123 per month on your Part B premium. This is just another way we help you lower your out-of-pocket costs.
| BaycarePlus Medicare Advantage Rewards (HMO) |
|
|---|---|
Monthly Premium | $0 Your Part B premium is reduced by $123 per month |
Maximum Out-of-Pocket Limit |
$4,500 Per Calendar Year This is the most you'd pay in a year for covered medical services. Once you reach it, your plan pays all the costs. |
Annual Deductible |
$0 |
Preventive Care/Screenings |
$0 Copay |
Primary Care Physician Visists |
$0 Copay |
Specialist Doctor Visits |
$40 Copay A referral is required for specialist visits except for visits with an obstetrician/gynecologist, chiropractor, podiatrist or dermatologist. |
Urgent Care |
$35 Copay |
Emergency Care |
$100 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 |
$225 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. Important—you won’t pay more than $35 for a one-month supply of each Part D insulin product covered by our plan, no matter your plan choice, the cost-sharing tier of the insulin product, the prescription drug coverage stage you are in (initial coverage, coverage gap or catastrophic coverage), or your Extra Help status.
| BaycarePlus Medicare Advantage Rewards (HMO) |
|
|---|---|
Annual Deductible |
$0 |
Retail Pharmacy — 30 Day Supply |
Tier 1 — Preferred Generics
Tier 2 — Generics
Tier 3 — Preferred Brands
Tier 4 — Non-Preferred Brands
Tier 5 — Specialty Drugs
|
Mail Order — 90 Day Supply |
Tier 1 — Preferred Generics
Tier 2 — Generics
Tier 3 — Preferred Brands
Tier 4 — Non-Preferred Brands
Tier 5 — Specialty Drugs
|
Initial Coverage Limit |
$4,660 |
Extra Benefits
Your BayCarePlus plan offers many valuable extras not offered by Original Medicare or Medicare supplement plans—at no additional cost to you.
| BaycarePlus Medicare Advantage Rewards (HMO) |
|
|---|---|
Vision Care |
|
Preventive Dental Care |
|
Comprehensive Dental Care |
Some limitations apply. See Evidence of Coverage for complete details. Services must be received from a Delta dental provider. Learn more about our comprehensive dental benefits. |
Over-the-Counter (OTC) Allowances |
No Coverage |
Hearing |
Routine hearing exam: $30 Copay (one per calendar year) |
Transportation Assistance |
No Coverage |
Fitness Club Membership |
|
Travel Benefits |
Emergency or urgent care coverage if you are making a trip out of state or country |
Meals |
No Coverage |
