- Baycare offers Medicare Advantage plans to Florida residents in the Tampa area.
- Baycare Advantage plans include Part D coverage.
- Baycare Advantage plans are available at a low cost.
- Baycare’s BaycarePlus Rewards program reduces the cost of the Part B premium.
BayCare Health System is a nonprofit hospital and medical care system serving the greater Tampa area in Florida. In addition to its network of providers, the system offers two Medicare Advantage plans.
Plans are branded as BayCarePlus, and include coverage for prescription drugs. BayCare’s plans are a low-cost option for residents of Tampa and the surrounding area since they don’t have deductibles or premiums.
BayCare is a local provider that only offers Medicare Advantage plans to residents of Florida. The company serves the greater Tampa area. As of 2020, plans are available in these four counties:
BayCare offers two different Health Maintenance Organization (HMO) style plans. An HMO is a health insurance plan that uses a set network of providers. Networks include all providers you might see, including visits to:
- doctors’ offices
- physical, speech, and occupational therapists
- long-term care facilities
- outpatient care centers
You’ll need to use providers who are part of the network to have your care covered. If you see a provider who isn’t part of your plan’s network, you’ll likely be billed for the entire amount.
HMO plans make an exception for emergency care. In the case of a medical emergency, your care will be covered — no matter where you receive it.
All of BayCare’s Medicare Advantage HMO plans include Part D coverage. You can’t buy a separate Part D plan through BayCare.
BayCare Advantage plans provide all the coverage of standard Advantage plans and include several additional features.
BayCare offers two different Advantage plans: BayCarePlus Complete (HMO) and BayCarePlus Rewards (HMO). BayCarePlus Complete offers more benefits and services, while BayCarePlus Rewards offers coverage at a lower cost.
Your coverage will depend on which plan you choose, but both plans include:
- coverage for preventive care visits
- prescription coverage
- health screenings
- seasonal vaccines
- SilverSneakers membership
- preventive dental care
- low-cost routine vision care
Benefits specific to the BayCarePlus Complete include:
- transportation to and from up to 16 doctor’s appointments a year
- comprehensive dental care
- reimbursement for over-the-counter medications
- hearing screenings and services
Medicare Advantage plans have their own costs in addition to the costs of Medicare parts A and B. To purchase an Advantage plan, you always pay the Part B premium and then add on any premium for the Advantage plan.
In 2020, the standard Part B premium is $144.60. So, if your Advantage plan has a premium of $30, you’d actually pay $174.60 a month.
Both BayCarePlus Complete and BayCarePlus Rewards are available with no premium and with no deductibles for medical care and prescriptions.
However, the BayCarePlus rewards plan actually knocks $100 off your standard Part B premium. This means that for BayCarePlus Complete you’d pay $144.60 a month for coverage, but for BayCarePlus Rewards, you’d pay only $44.60 a month.
Additional costs will vary by plan, but plans and prices are the same in all four counties served.
You can see a breakdown of common costs for BayCare plans in the tables below.
BayCare plan pricing
|BayCarePlus Complete||BayCarePlus Rewards|
|Premium||$0||$0 ($100 off Part B premium)|
|Primary care physician visits||$0||$0|
|Specialist doctor visits||$35||$45|
Medicare Advantage is also known as Medicare Part C. Advantage plans are offered by insurance companies through contracts with Medicare. They are required to provide all the same coverage as Medicare Part A (hospital insurance) and Medicare Part B (medical insurance), which are also called original Medicare. This includes:
- doctor’s visits
- specialist visits
- therapist visits
- home medical equipment
- hospital stays
- home health care
- hospice care
- emergency care
Most Advantage plans, like BayCare plans, also offer additional coverage beyond what original Medicare provides.
Not all Advantage Plans are offered in all areas. For example, BayCare plans are only available in Florida. Around the country, there are many plans that only serve certain states or metropolitan areas. Large companies that serve multiple states also offer plans, but prices and offerings will be different depending on your state.
You can search for plans and prices in your area using the Medicare website.
Medicare Part D is prescription drug coverage. Original Medicare doesn’t include coverage for prescriptions. Purchasing a separate Part D plan can help beneficiaries pay for their prescriptions.
Part D plans are also offered by private insurance companies and have separate premiums you need to pay above your standard Part B premium.
Part D plans work on a network, just like HMOs do. This means you need to use a pharmacy that is part of your Part D plans’ network to get coverage.
Part D plans also have a list of medications they’ll pay for. This list is called a formulary. A formulary will have preferred generics, name brands, and specialty drugs. For example, if you’re being treated for a condition that has three different FDA-approved medications, only one of them might be part of your Part D plan’s formulary.
- BayCare offers two different HMO Medicare Advantage plans that include Part D coverage to residents of four Florida counties.
- Plans are available at a low cost with no premiums or deductibles. BayCarePlus Rewards even offers a $100 reduction on the standard Part B premium.
- The benefits of both plans include SilverSneakers membership, dental care, and vision care.
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