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CareSalute (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for CareSalute (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on CareSalute (HMO-POS) in 2025, please refer to our full plan details page.
CareSalute (HMO-POS) is a HMO-POS plan offered by Humana Inc. available for enrollment in 2025 to people living in Brevard and Indian River Counties. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that CareSalute (HMO-POS) 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-POS).
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-POS), 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 $115.00. 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 combined Maximum Out-Of-Pocket cost of $4900.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $4900.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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-POS).
Additional Benefits
The CareSalute (HMO-POS) plan offers a wide range of benefits, including inpatient hospital stays with a copay, outpatient services with varying copays, and coverage for emergency services. This plan also covers primary care physician services with no copay, as well as hearing, vision, and dental services, with specific copays and limitations for each. Additionally, there are benefits for medical equipment, home health services, and other services like acupuncture and OTC items. This plan provides coverage for ambulance and transportation services, with copays and coinsurance depending on the service. Preventive services, such as an annual physical exam, are covered with no copay. The plan also covers prescription hearing aids with a maximum benefit, and offers coverage for eyewear.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered. For Inpatient Hospital-Acute, you will pay a $260 copay for days 1-10, and no copay for days 11-90, with additional days 91-999 having no copay; Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute are not covered. For Inpatient Hospital Psychiatric, you will pay a $260 copay for days 1-9, and no copay for days 10-90; Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for Outpatient Hospital Services with a copay between $0 and $260, Observation Services with no copay, Ambulatory Surgical Center (ASC) Services with no copay, Individual and Group Sessions for Outpatient Substance Abuse with a copay of $40, and Outpatient Blood Services with no copay. All services require prior authorization and a doctor's referral.
Partial Hospitalization See details
CareSalute (HMO-POS) covers partial hospitalization, but requires prior authorization and a doctor referral. The copay for this benefit is $40.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the CareSalute (HMO-POS) plan. Ground ambulance services have a copay between $0 and $250, while air ambulance services have a 20% coinsurance. Transportation services to a plan-approved health-related location are covered with no copay for 26 one-way trips per year.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the CareSalute (HMO-POS) plan. Emergency Services have a $115 copay, and Urgently Needed Services have a $40 copay. Worldwide Emergency Coverage and Worldwide Emergency Transportation have a $115 copay, while Worldwide Urgent Coverage has a copay between $40 and $115. There is no coinsurance for any of these services.
Primary Care See details
The CareSalute (HMO-POS) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, occupational therapy services with a $40 copay, and physician specialist services with a $40 copay. Mental health specialty services, podiatry services, other health care professional services, psychiatric services, opioid treatment program services, and additional telehealth benefits are also covered, but have varying copays depending on the service. Physical therapy and speech-language pathology services have a $40 copay.
Preventive Services See details
The CareSalute (HMO-POS) plan covers preventive services, including an annual physical exam with no copay. This plan also covers additional preventive services, as well as fitness benefits, kidney disease education services, and other preventive services, but the copays vary.
Hearing Services See details
CareSalute (HMO-POS) covers hearing exams for a $40 copay, routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered with a maximum benefit of $250 per year, and OTC hearing aids are covered up to $15 per month. Prescription hearing aids for the inner, outer, and over the ear are not covered.
Vision Services See details
Vision services are covered and include eye exams with a copay between $0 and $40, and eyewear with no copay. Contact lenses and eyeglasses (lenses and frames) are covered, while eyeglass lenses, eyeglass frames, and upgrades are not covered.
Dental Services See details
CareSalute (HMO-POS) offers dental services including oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), other preventive 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 under the CareSalute (HMO-POS) plan, but require prior authorization. Medicare Part B Insulin drugs have a $35 copay, and the coinsurance is between 0% and 20%. Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the CareSalute (HMO-POS) 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) with a 20% coinsurance, and Prosthetic Devices with a 20% coinsurance, while Medical Supplies have no copay. Diabetic Equipment includes Diabetic Supplies with no copay, and Diabetic Therapeutic Shoes/Inserts with a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services, including all diagnostic services, diagnostic procedures/tests, and lab services are covered. Diagnostic procedures/tests have a minimum copay of $0 and a maximum copay of $175, while lab services have no copay. Radiological Services are covered, with copays and coinsurance varying based on the specific service.
Home Health Services See details
Home Health Services are covered by the CareSalute (HMO-POS) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered. This benefit requires authorization and a referral.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but none of the sub-services are covered. Prior authorization and a doctor referral are required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the CareSalute (HMO-POS) plan, but require prior authorization and a doctor's referral. There is no copay for days 1-20, and a $188 copay for days 21-100. Additional days beyond Medicare-covered for SNF, and non-Medicare-covered SNF stays are not covered.
Other Services See details
The CareSalute (HMO-POS) plan covers acupuncture with no copay, but requires prior authorization and is limited to 25 treatments per year. The plan also covers Over-the-Counter (OTC) items with a $15 monthly maximum, including Nicotine Replacement Therapy (NRT) and Naloxone. Meal benefits are covered with no copay, and prior authorization is required. Other services, including Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, and many other services are not covered.
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