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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 Tampa Area. 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 $3900.00 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 range of benefits with varying costs. Inpatient hospital stays have a copay, while outpatient services have copays that vary depending on the service. The plan also covers ambulance services, emergency services, and primary care with no copay for primary care physician services. Additional benefits include coverage for preventive services with no copay, hearing exams, vision services, and dental services with no copay. Home health services, skilled nursing facility services, and medical equipment also have varying costs. The plan also offers coverage for acupuncture, over-the-counter items, and meal benefits.
Inpatient Hospital See details
Inpatient Hospital benefits include coverage for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric services. For Inpatient Hospital-Acute, you will pay a $175 copay for days 1-7, and no copay for days 8-90, while additional days have no copay. For Inpatient Hospital Psychiatric, you will pay a $175 copay for days 1-7, and no copay for days 8-90. Non-Medicare-covered stays and upgrades are not covered for Inpatient Hospital-Acute. Additional days and non-Medicare-covered stays are not covered for Inpatient Hospital Psychiatric.
Outpatient Services See details
Outpatient Services, including outpatient hospital services, observation services, ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services, are covered. Outpatient Hospital Services have a copay between $0 and $175, while Observation Services and Ambulatory Surgical Center (ASC) Services have no copay. Outpatient Substance Abuse Individual and Group Sessions both have a copay of $30. Outpatient Blood Services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered with a $30 copay, and requires prior authorization and a doctor's referral.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by CareSalute (HMO), with ground ambulance services costing between $0 and $250, air ambulance services subject to a 20% coinsurance, and transportation services to a plan-approved health-related location covered with no copay for up to 26 one-way trips per year. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under the CareSalute (HMO) plan. Emergency Services has a $140 copay, and Urgently Needed Services has a $30 copay, while Worldwide Emergency Services has a copay of $140 for Worldwide Emergency Coverage and Worldwide Emergency Transportation, and a copay between $30 and $140 for Worldwide Urgent Coverage.
Primary Care See details
CareSalute (HMO) covers primary care physician services with no copay, and chiropractic services with a $20 copay. Occupational therapy, physician specialist services, physical therapy, and speech-language pathology services all have a $30 copay. Mental health and psychiatric services have a copay of $30, while podiatry services and other health care professional services have varying copays.
Preventive Services See details
CareSalute (HMO) covers preventive services, including an annual physical exam with no copay. Additional preventive services, including Fitness Benefit, Kidney Disease Education Services, 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
Hearing Services include coverage for hearing exams with a $30 copay, routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids have a maximum plan benefit coverage of $750 per year, and OTC hearing aids are covered up to $100 per month.
Vision Services See details
CareSalute (HMO) covers vision services including routine eye exams with a copay of $0-$30 and eyewear with a $0 copay, including contact lenses and eyeglasses (lenses and frames), up to a combined maximum of $300 per year. Eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
Dental Services include coverage for Medicare Dental Services with a $30 copay, Oral Exams, Dental X-Rays, Other Diagnostic Dental Services, Prophylaxis (Cleaning), Other Preventive Dental Services, Restorative Services, Adjunctive General Services, Periodontics, Prosthodontics (removable), and Oral and Maxillofacial Surgery, all with no copay. Fluoride Treatment, Endodontics, Maxillofacial Prosthetics, Implant Services, Prosthodontics (fixed), and Orthodontics are not covered.
Home Infusion bundled Services See details
The CareSalute (HMO) plan covers Home Infusion bundled Services, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs. The plan has a $35 copay for Medicare Part B Insulin Drugs, with a coinsurance between 0% and 20% for all covered services.
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 these services.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance, and Prosthetic Devices have no copay. Medical Supplies have a 20% coinsurance, and Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts have no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered under the CareSalute (HMO) plan. Diagnostic Procedures/Tests have a copay between $0 and $150, while Lab Services have no copay; Diagnostic Radiological Services have a copay up to $175, and Therapeutic Radiological Services have a copay up to $30 and a coinsurance of at least 20%.
Home Health Services See details
Home Health Services are covered by CareSalute (HMO) 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 covered by the CareSalute (HMO) plan, but none of the sub-services (Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services) are covered. A doctor referral and prior authorization are required for these services.
Skilled Nursing Facility (SNF) See details
CareSalute (HMO) covers Skilled Nursing Facility (SNF) services, but requires prior authorization and a doctor's referral. For days 1-20, there is no copay, but for days 21-100, the copay is $150.
Other Services See details
Under the CareSalute (HMO) plan, acupuncture is covered with no copay, but it is limited to 25 treatments per year and requires prior authorization. Over-the-counter items are covered with a maximum benefit coverage amount of $100.00 per month, including nicotine replacement therapy and Naloxone, but does not cover all CMS OTC drugs. Meal benefits are covered with no copay and require prior authorization, but other services such as Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, and several others are not covered.
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