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 2026, 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 Select Counties in Florida. This plan received an overall rating of 4.5 out of 5 stars in 2026.
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:
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Drug Coverage
Prescription drugs are not covered by CareSalute (HMO).
Additional Benefits
The CareSalute (HMO) plan offers comprehensive medical coverage featuring no copay for primary care visits, preventive services, home health care, and routine diagnostic laboratory tests. Inpatient hospital stays require a $175 daily copay for the first seven days and no copay for days eight through 90, while outpatient hospital services feature copays ranging from $0 to $200. Emergency room visits carry a $150 copay, which is waived if you are admitted within 24 hours, and urgent care visits require a $25 copay. Specialist visits, therapies, and Medicare-covered dental services require a $30 copay, while routine dental, routine vision, and select hearing services are covered with no copay. The plan also provides valuable extra benefits with no copay, including up to 26 one-way transportation trips to approved locations, over-the-counter items, and up to 25 acupuncture treatments per year. For specialized needs, durable medical equipment and dialysis services are covered with a 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital services are covered by CareSalute (HMO) with no coinsurance, requiring a $175 daily copay for days 1 through 7 and no copay for days 8 through 90. This benefit is partially covered as it excludes upgrades, non-Medicare-covered stays, and additional psychiatric days, though unlimited additional acute care days are covered with no copay.
Outpatient Services See details
CareSalute (HMO) covers outpatient services with no coinsurance, featuring no copays for ambulatory surgical center, outpatient substance abuse, observation, and blood services. Outpatient hospital services are covered with no coinsurance and a copay ranging from $0 to $200, with referrals and prior authorizations required for these benefits.
Partial Hospitalization See details
CareSalute (HMO) covers partial hospitalization with a $35.00 copay and no coinsurance. Prior authorization and a referral are required to receive these services.
Ambulance and Transportation Services See details
CareSalute (HMO) covers ground ambulance services with a $0 to $250 copay and air ambulance services with a 20% coinsurance. Transportation services are partially covered with no copay or coinsurance for up to 26 one-way trips per year to plan-approved locations, but transportation to any health-related location is not covered.
Emergency Services See details
CareSalute (HMO) covers emergency services with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours, and urgent care with a $25 copay and no coinsurance. Worldwide emergency, urgent, and transportation services are also covered with no coinsurance and copays ranging from $25 to $150.
Primary Care See details
CareSalute (HMO) covers primary care, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialists, therapies, and podiatry require a $30 copay and no coinsurance, while chiropractic care is partially covered with a $20 copay for routine visits (other chiropractic services are not covered) and no coinsurance.
Preventive Services See details
Preventive services are covered by CareSalute (HMO) with no copay and no coinsurance, including annual physical exams, kidney disease education, glaucoma screenings, diabetes self-management training, digital rectal exams, and EKGs. Additional preventive services are partially covered, offering a memory fitness benefit 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/dietary benefits, palliative care, in-home support, caregiver support, additional smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, home safety modifications, and counseling.
Hearing Services See details
Hearing services covered by CareSalute (HMO) include routine exams, fitting evaluations, and unlimited OTC hearing aids with no copay and no coinsurance, while Medicare-covered exams require a $30 copay and no coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance up to $750 per ear annually, but inner ear, outer ear, and over-the-ear prescription aids are not covered.
Vision Services See details
CareSalute (HMO) partially covers vision services with no copay and no coinsurance, offering one routine eye exam per year and a $300 annual limit for contact lenses and eyeglasses (lenses and frames). Other eye exam services, individual eyeglass lenses, eyeglass frames, and upgrades are not covered, and prior authorization and referrals are required.
Dental Services See details
Dental services are partially covered by CareSalute (HMO), featuring a $30 copay and no coinsurance for Medicare-covered dental, and no copay and no coinsurance for other covered preventive and comprehensive dental services. Specific sub-services that are not covered include fluoride treatment, endodontics, maxillofacial prosthetics, implant services, fixed prosthodontics, and orthodontics.
Home Infusion bundled Services See details
CareSalute (HMO) covers Home Infusion bundled Services with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs require no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by CareSalute (HMO) with no copay and a 20% coinsurance. Both prior authorization and a referral are required to receive these services.
Medical Equipment See details
CareSalute (HMO) covers medical equipment, including durable medical equipment (DME) with a 20% coinsurance and no copay, and prosthetic devices with no copay. Medical supplies require a 20% coinsurance, while diabetic supplies have no copay or coinsurance, and diabetic therapeutic shoes or inserts have a $10 copay and no coinsurance.
Diagnostic and Radiological Services See details
CareSalute (HMO) covers diagnostic and radiological services, requiring referrals and prior authorizations for both. Diagnostic services feature no coinsurance, with no copay for lab services and a $0 to $150 copay for diagnostic procedures, while radiological services require no copay for X-rays and diagnostic radiology, and a minimum 20% coinsurance with a $0 minimum copay for therapeutic radiology.
Home Health Services See details
Home health services are covered by CareSalute (HMO) with no copay and no coinsurance, although prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
CareSalute (HMO) offers Cardiac Rehabilitation Services with no coinsurance, but in practice, some services are covered while cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered and carry a $30 copay.
Skilled Nursing Facility (SNF) See details
CareSalute (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization and a referral but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20, a $160 daily copay for days 21 through 100, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
CareSalute (HMO) partially covers Other Services with no copay and no coinsurance, providing acupuncture up to 25 treatments per year, over-the-counter items, and meal benefits for chronic illnesses. Other unspecified services and highly integrated dual-eligible SNP services are not covered under this plan.
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