CarePlus Health Plans 2027: Medicare Advantage Coverage and Costs

CAREONE PLUS (HMO AND HMO-POS)

One of the core plans, sold across several regions. The HMO-POS versions add a point-of-service option, which gives you limited out-of-network coverage that a straight HMO does not.

CAREFREE AND CAREFREE PLATINUM GIVEBACK (HMO)

The giveback plans reduce what you pay toward your Medicare Part B premium each month. Availability is narrow and the giveback amount varies by plan and county, so confirm both before enrolling.

CAREACCESS AND CARESALUTE (HMO)

Broader-footprint HMO plans that have reached across most of CarePlus territory. These tend to be the plans available in the widest range of counties.

CARENEEDS PLATINUM AND CARENEEDS PLUS (HMO D-SNP)

Dual-eligible special needs plans for people who have both Medicare and Florida Medicaid. You must qualify for Medicaid to enrol. CarePlus works with the Florida Department of Children and Families to help members apply for public assistance programs.

CAREBREEZE PLATINUM AND CARECOMPLETE PLATINUM (HMO C-SNP)

Chronic condition special needs plans. CareBreeze has been built around chronic lung conditions including COPD; CareComplete targets other qualifying chronic conditions. You need a qualifying diagnosis to enrol.

Do not assume either way. A Humana exit elsewhere in the country does not automatically affect your CarePlus plan, and a CarePlus plan ending in your county is not necessarily connected to Humana’s national changes. Your Annual Notice of Change is the only document that tells you what is happening to your specific plan.

Where CarePlus makes sense: you live year-round in one of its Florida counties, your doctors are in its network, and you want a $0 premium plan with strong supplemental benefits. If you travel often or split the year between states, compare a PPO before committing.

YOUR CAREPLUS CHECKLIST

Five steps before you enroll

1. Confirm CarePlus serves your county. It covers about 20 of Florida’s 67 counties, and plan availability differs within that footprint.

2. Check your doctors against the 2027 directory. These are HMO plans, so out-of-network care generally is not covered except in emergencies.

3. Run your prescriptions through the 2027 formulary. Check the tier each drug sits on, not just whether it is covered.

4. Compare the plans available in your own county side by side. With up to a dozen options locally, the differences between CarePlus plans may matter more than the difference between carriers.

5. Enroll between October 15 and December 7, 2026 for coverage starting January 1, 2027 — unless a Special Enrollment Period applies to you.

➤  Is CarePlus the same as Humana?

CarePlus Health Plans is a wholly owned subsidiary of Humana, but it is not the same thing as a Humana plan. CarePlus operates under its own name, its own Medicare contract and its own provider network, and it sells only in Florida. If you are enrolled in CarePlus, you are a CarePlus member rather than a Humana member.

➤  What states does CarePlus cover?

Florida only, and only part of it — roughly 20 counties across South Florida, Central Florida, West Florida, North Florida and the Atlantic Coast. CarePlus has never sold Medicare Advantage outside Florida.

➤  Are all CarePlus plans $0 premium?

Every CarePlus Medicare Advantage plan has carried a $0 monthly premium, including its special needs plans. That covers the plan premium only. You still pay your Medicare Part B premium, though the CareFree Giveback plans reduce that amount by an sum that varies by plan and county.

➤  Does CarePlus offer a PPO?

No. Every CarePlus plan is HMO-based. Some are HMO-POS, which adds a point-of-service option giving limited out-of-network coverage, but CarePlus does not sell a true PPO. If you need full out-of-network flexibility, look at a carrier that does.

➤  What is the difference between CareNeeds and CareBreeze?

CareNeeds plans are dual-eligible special needs plans for people who have both Medicare and Florida Medicaid. CareBreeze is a chronic condition special needs plan built around chronic lung conditions including COPD. Both require you to qualify — Medicaid eligibility for CareNeeds, a qualifying diagnosis for CareBreeze.

➤  Will CarePlus plans change in 2027?

Plan names, county availability, copays and supplemental benefits can change every year for any carrier. Your Annual Notice of Change, mailed by September 30, lists exactly what changes for your specific plan. If your plan is ending, you may qualify for a Special Enrollment Period that runs past December 7.