BayCare Medicare Advantage Plans provide an integrated way to get Medicare Part A, Part B, and often Part D and dental benefits through one network.
These plans are designed for people who want coordinated care and predictable costs in the Tampa Bay area and surrounding regions.
| Plan Name | Key Coverage | Monthly Premium | Out-of-Pocket Max |
|---|---|---|---|
| BayCare Plus Choice | Part A, B, D, Medicare Advantage | $0 | $6,700 |
| BayCare Plus Secure | Part A, B, D, Medicare Advantage | $12 | $5,200 |
| BayCare Extra Care HMO | Part A, B, D, Medicare Advantage | $0 | $7,500 |
| BayCare Silver Care Plus | Part A, B, D, Medicare Advantage | $8 | $4,800 |
How BayCare Medicare Advantage Plans Work
Network and Care Coordination
These plans require members to use in-network providers for full coverage, except in emergencies, which helps control costs and streamline referrals.
Primary care physicians coordinate specialty care, and many services are bundled into single payments to reduce unexpected bills.
Prescription Drug Coverage and Formulary
Integrated Part D Benefits
Each BayCare Medicare Advantage plan includes a Part D prescription drug plan with a tiered formulary that covers generic, preferred, and specialty medications.
Members can search the online drug list by medication or pharmacy to confirm coverage before they enroll.
Costs, Premiums, and Cost-Sharing
Premiums and Deductibles
Most plans have a $0 monthly premium, but some options with richer benefits may have modest premiums around $12 per month.
Deductibles vary by plan, and once met, coinsurance and copayments apply according to schedule based on service type.
| Cost Element | BayCare Plus Choice | BayCare Plus Secure | BayCare Extra Care HMO | BayCare Silver Care Plus |
|---|---|---|---|---|
| Monthly Premium | $0 | $12 | $0 | $8 |
| Deductible | $0 | $350 | $250 | $0 |
| Coinsurance after deductible | 20% specialist, 10% primary | 20% specialist, 10% primary | 30% specialist, 10% primary | 20% specialist, 10% primary |
| Out-of-Pocket Maximum | $6,700 | $5,200 | $7,500 | $4,800 |
Enrollment Periods and Eligibility
How to Join
You can enroll during the Annual Enrollment Period from October 15 to December 7, or during a Special Enrollment Period if you qualify due to life changes.
Eligibility requires Medicare Part A and Part B, U.S. citizenship or permanent residency, and living in the plan’s service area.
Benefits, Support, and Pharmacy Options
Additional Services
Many BayCare Medicare Advantage plans include vision, hearing, fitness memberships, and transportation to appointments as added perks.
Members have access to customer support through phone, online chat, and mobile app tools for scheduling, claims, and prescription questions.
Key Takeaways and Next Steps
- Review the plan comparison table to match coverage and costs to your needs.
- Confirm that your current doctors and preferred pharmacies are in the network.
- Mark your enrollment window and check for Special Enrollment eligibility.
- Use member tools and customer support to manage prescriptions and appointments.
FAQ
Reader questions
Can I keep my current doctors if I switch to a BayCare Medicare Advantage plan?
You can continue seeing any provider who accepts Medicare and is in the plan’s network, and your plan will help coordinate care with your current doctors when possible.
Do BayCare Medicare Advantage Plans cover dental and vision services?
Many plans include routine dental and vision benefits, such as cleanings, exams, and frames, but specific services and frequency vary by plan.
What happens if I need a specialist outside my local area while traveling? Emergency care outside your service area is covered, and some plans offer travel benefits or nurse hotlines to help you find in-network options while away. How do I find which prescription drugs are covered under each BayCare plan?
Use the online drug list on the BayCare website, enter your medication and pharmacy, and review the tier and cost-sharing details before you enroll.