A non-government entity
CareSalute (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for CareSalute (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on CareSalute (HMO) in 2025, please refer to our full plan details page.
CareSalute (HMO) is a HMO plan offered by Humana Inc. available for enrollment in 2025 to people living in Broward and Palm Beach Counties. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that CareSalute (HMO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about CareSalute (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 CareSalute (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 $125.00. 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.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $3350.00 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 CareSalute (HMO)
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Drug Coverage
Prescription drugs are not covered by CareSalute (HMO).
Additional Benefits
The CareSalute (HMO) plan offers a wide range of benefits with varying costs. Inpatient hospital stays have a copay, with the amount depending on the type of service and length of stay. Outpatient services, primary care, and many preventive services have no copay, while others, such as specialist visits, have a $50 copay. The plan also includes coverage for ambulance and transportation services, emergency services, hearing, vision, dental, and home health services. Some services, like prescription hearing aids and durable medical equipment, have a coinsurance, while others, such as diagnostic and radiological services, have copays.
Inpatient Hospital See details
Inpatient Hospital coverage includes Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, both of which require prior authorization and a doctor's referral. For Inpatient Hospital-Acute, you will pay a $265 copay for days 1-10, and no copay for days 11-90, while additional days (91-999) have no copay; Non-Medicare-covered stays and upgrades are not covered. Inpatient Hospital Psychiatric has a $265 copay for days 1-9, and no copay for days 10-90; additional days and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services, with a copay ranging from $0 to $300, observation services with no copay, and ambulatory surgical center services with no copay. Individual and group sessions for outpatient substance abuse have a copay of $50, and outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered under the CareSalute (HMO) plan. This benefit requires prior authorization and a doctor referral, and has a $50 copay.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the CareSalute (HMO) plan. Ground ambulance services have a copay of $0-$240, and air ambulance services have a 20% coinsurance. Transportation services to a plan-approved health-related location are covered for up to 20 one-way trips per year with no copay, while transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, Worldwide Emergency Coverage, and Worldwide Emergency Transportation have a copay of $140, while Worldwide Urgent Coverage has a copay between $50 and $140; all services have no coinsurance. The copay for emergency services is waived if admitted to the hospital within 24 hours.
Primary Care See details
The CareSalute (HMO) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, and occupational therapy services with a $50 copay. The plan also covers physician specialist services, physical therapy, speech-language pathology services, and mental health services, each with a $50 copay, along with podiatry services and other health care professional services with a copay ranging from $0 to $50. The plan also covers additional telehealth benefits with a copay ranging from $0 to $50 and opioid treatment program services with a $50 copay.
Preventive Services See details
The CareSalute (HMO) plan covers preventive services, including an annual physical exam with no copay. Additional preventive services, including Fitness Benefit (Memory Fitness), Medicare-covered Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit, are covered with no copay. However, Health Education, In-Home Safety Assessment, Personal Emergency Response System (PERS), Medical Nutrition Therapy (MNT), Post discharge In-Home Medication Reconciliation, Re-admission Prevention, Wigs for Hair Loss Related to Chemotherapy, Weight Management Programs, Alternative Therapies, Therapeutic Massage, Adult Day Health Services, Nutritional/Dietary Benefit, Home-Based Palliative Care, In-Home Support Services, Support for Caregivers of Enrollees, Additional Sessions of Smoking and Tobacco Cessation Counseling, Enhanced Disease Management, Telemonitoring Services, Remote Access Technologies, Home and Bathroom Safety Devices and Modifications, and Counseling Services are not covered.
Hearing Services See details
CareSalute (HMO) covers hearing exams with a $50 copay, routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered up to $500 per year, and OTC hearing aids are covered up to $50 every three months. Some services, such as prescription hearing aids for the inner ear, outer ear, and over-the-ear are not covered.
Vision Services See details
CareSalute (HMO) covers vision services including eye exams and eyewear. Eye exams have a copay between $0 and $50, while eyewear has a $0 copay and a combined maximum benefit of $100 per year.
Dental Services See details
Dental services are covered, including Medicare Dental Services with a $50 copay, oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), other preventative dental services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable), and oral and maxillofacial surgery, all with no copay. Fluoride treatment, maxillofacial prosthetics, implant services, prosthodontics (fixed), and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, and prior authorization is required. The plan has a $35 copay and a coinsurance between 0% and 20% for Medicare Part B Insulin Drugs. The plan also covers Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, with a coinsurance between 0% and 20% for both.
Dialysis Services See details
Dialysis Services are covered by the CareSalute (HMO) plan, but require prior authorization and a doctor's referral. You will pay 20% coinsurance for this service.
Medical Equipment See details
The CareSalute (HMO) plan covers medical equipment, including Durable Medical Equipment (DME) with a 20% coinsurance and no copay, and Prosthetic Devices with a 20% coinsurance. Diabetic equipment is covered, with no copay for Diabetic Supplies, and a $10 copay for Diabetic Therapeutic Shoes/Inserts.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, lab services, and radiological services. Diagnostic Procedures/Tests have a copay ranging from $0 to $200, while Lab Services have no copay. Diagnostic Radiological Services have a copay up to $265, and Therapeutic Radiological Services have a copay up to $50 and a coinsurance of at least 20%. Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered under the CareSalute (HMO) plan, with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the CareSalute (HMO) plan. This includes Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by CareSalute (HMO) with prior authorization and a doctor referral. There is no copay for days 1-20, and a $60 copay for days 21-100, with no coinsurance.
Other Services See details
The CareSalute (HMO) plan covers acupuncture with a $50 copay, up to 20 treatments per year, and also covers over-the-counter (OTC) items, including nicotine replacement therapy and naloxone, with a maximum benefit of $50 every three months. Meal benefits are covered with no copay. Other services, including Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, are not covered.
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