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CareOne Plus (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for CareOne Plus (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on CareOne Plus (HMO) in 2026, please refer to our full plan details page.
CareOne Plus (HMO) is a HMO plan offered by Humana Inc. available for enrollment in 2025 to people living in Tampa Area. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that CareOne Plus (HMO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about CareOne Plus (HMO).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For CareOne Plus (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $3.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $615.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $2000.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
Sign up for CareOne Plus (HMO)
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Drug Coverage
The CareOne Plus (HMO) plan features an annual prescription drug deductible of $615 and offers significant savings on generic medications. You will pay no copay for Tier 1 preferred generic and Tier 2 generic drugs when using a standard pharmacy or preferred mail order. For standard mail order, these generic tiers carry a copay starting at $10 for a one-month supply. For Tier 3 preferred brand drugs, copays start at $5 for a one-month supply through a standard pharmacy or preferred mail order. Higher-tier prescriptions require coinsurance, with Tier 4 non-preferred drugs carrying a 47% coinsurance and Tier 5 specialty drugs requiring a 25% coinsurance.
Additional Benefits
CareOne Plus (HMO) provides robust healthcare coverage with minimal out-of-pocket costs, featuring no copay and no coinsurance for primary care visits and a low $5 copay for specialists. Inpatient hospital stays require a $75 daily copay for the first five days and no copay for days 6 through 90, while emergency room visits carry a $150 copay that is waived upon admission. Most outpatient and preventive services are covered with no coinsurance and no copay, helping you manage your routine healthcare costs easily. This plan also delivers exceptional value through additional benefits, including no copay for routine dental care, annual eye exams, and routine hearing exams. Members can access up to $1,750 per ear annually for prescription hearing aids, a $450 annual allowance for eyewear, and up to 50 free one-way transportation trips to plan-approved locations. Essential medical equipment and diagnostic services are also highly covered, typically requiring no copay or low coinsurance.
Inpatient Hospital See details
CareOne Plus (HMO) partially covers inpatient hospital services with no coinsurance, requiring a $75 daily copay for days 1 through 5 and no copay for days 6 through 90 per stay. While unlimited additional acute hospital days are covered at no copay, additional psychiatric days, hospital upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
CareOne Plus (HMO) outpatient services feature no coinsurance across all covered benefits, with no copay for ambulatory surgical center, observation, and blood services. Outpatient hospital services have a copay of $0 to $125, while individual and group outpatient substance abuse sessions require a copay of $5 to $10.
Partial Hospitalization See details
CareOne Plus (HMO) covers partial hospitalization services with a $25.00 copay and no coinsurance. Prior authorization and a referral are required to access this benefit.
Ambulance and Transportation Services See details
CareOne Plus (HMO) covers ambulance services with a $0 to $250 copay and no coinsurance for ground transport, and a 20% coinsurance with no copay for air transport. Transportation services are partially covered, offering up to 50 one-way trips per year to plan-approved locations with no copay and no coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
CareOne Plus (HMO) covers emergency services with a $150 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with no copay and no coinsurance, while worldwide emergency, urgent, and transportation services are available with no coinsurance and copays ranging from $0 to $150.
Primary Care See details
CareOne Plus (HMO) offers primary care physician services with no copay and no coinsurance, while specialist, physical therapy, and mental health services generally require a 5 dollar copay and no coinsurance. Chiropractic services are partially covered, featuring a 15 dollar copay and no coinsurance for up to 12 routine visits per year, though other chiropractic services are not covered.
Preventive Services See details
CareOne Plus (HMO) covers preventive services, including annual physical exams, kidney disease education, and glaucoma screenings, with no copay and no coinsurance. Additional preventive benefits are partially covered, offering a memory fitness benefit with no copay and no coinsurance, but excluding health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home safety modifications, and counseling.
Hearing Services See details
Hearing services are covered by CareOne Plus (HMO) with no deductible, featuring Medicare-covered exams for a $5 copay and no coinsurance, and annual routine exams, fittings, and OTC hearing aids with no copay and no coinsurance. Prescription hearing aids are partially covered with no copay and no coinsurance up to $1,750 per ear annually, though inner ear, outer ear, and over the ear models are not covered.
Vision Services See details
Vision services under CareOne Plus (HMO) are partially covered, offering no copay, no coinsurance, and no deductible for one routine eye exam per year and up to $450 annually for contact lenses and eyeglasses (lenses and frames). Other eye exams, individual eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
CareOne Plus (HMO) offers partially covered dental services with a $5.00 copay and no coinsurance for Medicare-covered dental, and no copay and no coinsurance for other covered preventive and comprehensive services. Fluoride treatment, endodontics, periodontics, maxillofacial prosthetics, implant services, fixed prosthodontics, and orthodontics are not covered.
Home Infusion bundled Services See details
CareOne Plus (HMO) covers Home Infusion bundled Services with no copay, subject to prior authorization. Covered Medicare Part B drugs, including chemotherapy, carry up to 20% coinsurance with no copay, while Part B insulin drugs require a $35 copay and up to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by CareOne Plus (HMO) with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive these services.
Medical Equipment See details
CareOne Plus (HMO) covers medical equipment, including durable medical equipment (DME) with 10% to 20% coinsurance and no copay. Diabetic supplies are covered with no copay and no coinsurance, while diabetic therapeutic shoes or inserts require a $10 copay, and medical supplies carry a 20% coinsurance.
Diagnostic and Radiological Services See details
CareOne Plus (HMO) covers diagnostic and radiological services, requiring prior authorization and referrals for both. Diagnostic services feature no coinsurance, with a $0 copay for lab services and a $0 to $50 copay for procedures, while radiological services range from a $0 copay for X-rays to a minimum 20% coinsurance and $0 copay for therapeutic radiology.
Home Health Services See details
CareOne Plus (HMO) covers Home Health Services with no copay and no coinsurance, though prior authorization and a referral are required to receive care.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the CareOne Plus (HMO) plan, as standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are all excluded from coverage.
Skilled Nursing Facility (SNF) See details
CareOne Plus (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $160 daily copay for days 21 through 100. Prior authorization and referrals are required, and while a prior three-day hospital stay is not required, additional days beyond the standard 100 days are not covered.
Other Services See details
CareOne Plus (HMO) covers acupuncture with a $5 copay and no coinsurance, and both over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for acupuncture and meal benefits, while other specific services (Other 1, Other 2, and Other 3) are not covered.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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