Health Plan RadarIn this article we rank Florida Medicare Advantage plans based on our evaluation of government 5-star quality scores.
Read more →CareSalute (HMO)
by CarePlus Health Plans, Inc.
2026 Medicare Advantage plan available in Florida
Plan ID H1019-132-0
Additional coverage:
HearingVisionDental
Medicare Advantage HMO $0 premium 4.5 Overall
Monthly plan premium $0 / mo
Annual deductible $0 / yr
Max out-of-pocket · in-network $3,900 / yr
4.5 Overall Government Star Rating 2026 · out of 5 stars
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Plan Overview
CareSalute (HMO) is a Medicare Advantage Plan Without Prescription Drugs, which is available in Florida and offered by the health insurance company CarePlus Health Plans, Inc.. This plan's network type is HMO, which determines the in-network doctors who accept the plan and whether a referral is needed.
Plan Name CareSalute (HMO)
Insurance Carrier CarePlus Health Plans, Inc.
Plan Type Medicare Advantage Plan Without Prescription Drugs
Network Type HMO
Cost Summary
CareSalute (HMO) has a monthly premium cost of $0 per month, with an annual deductible of $0 and a maximum out-of-pocket cost sharing of $3,900. The most common costs people evaluate when choosing a plan are listed here; a full list of benefit costs is defined below.
Monthly Premium $0 / mo
Annual Deductible $0 / yr
Max Out-of-Pocket · in-network $3,900 / yr
Primary doctor visit $0 copay
Specialist visit $30 copay
ER visit $150 copay
Ambulance $0-$250 copay
Additional Benefits and Coverage
CareSalute (HMO) is a Medicare Advantage plan which does not include Medicare Part D prescription drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. CareSalute (HMO) includes coverage for hearing, vision, dental.
Part D Prescription Drug Coverage No
Dental Yes
Vision Yes
Hearing Yes
Nationwide Coverage No
Other benefits
Fitness benefit Limited coverage
Over-the-counter drug benefits Limited coverage
In-home support services Not covered
Home & bathroom safety devices Not covered
Meals for short duration Limited coverage
Annual physical exams Limited coverage
Telehealth Limited coverage
Medical Benefits
Doctor Services
Primary doctor visit In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Specialist visit In-network: $30 copay
Out-of-network: $30 copay
Out-of-network: $30 copay
Tests, labs & imaging
Diagnostic tests & procedures In-network: $0-$150 copay
Out-of-network: $0-$150 copay
Out-of-network: $0-$150 copay
Lab services In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Diagnostic radiology services (like MRI) In-network: $0-$200 copay
Out-of-network: $0-$200 copay
Out-of-network: $0-$200 copay
Outpatient x-rays In-network: $0-$100 copay
Out-of-network: $0-$100 copay
Out-of-network: $0-$100 copay
Emergency care $150 copay
Urgent care $25 copay
Hospital Services
Inpatient hospital coverage Tier 1
$175 per day for days 1-7
$0 per day for days 8-90
$0 per stay
$175 per day for days 1-7
$0 per day for days 8-90
$0 per stay
Outpatient hospital coverage In-network: $0-$200 copay
Out-of-network: $0-$200 copay
Out-of-network: $0-$200 copay
Skilled nursing facility
Skilled nursing facility Tier 1
$0 per day for days 1-20
$160 per day for days 21-100
$0 per day for days 1-20
$160 per day for days 21-100
Preventive services
Preventive services In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Ambulance
Ground ambulance In-network: $0-$250 copay
Out-of-network: $0-$250 copay
Out-of-network: $0-$250 copay
Therapy services
Occupational therapy visit In-network: $30 copay
Out-of-network: $30 copay
Out-of-network: $30 copay
Physical therapy & speech & language therapy visit In-network: $30 copay
Out-of-network: $30 copay
Out-of-network: $30 copay
Mental health services
Outpatient group therapy with a psychiatrist In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Outpatient individual therapy with a psychiatrist In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Outpatient group therapy visit In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Outpatient individual therapy visit In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Opioid treatment services
Opioid treatment services Covered
Other services
Durable medical equipment (like wheelchairs & oxygen) In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Prosthetics (like braces, artificial limbs) In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Diabetes supplies In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Medicare star rating
Each year the federal government rates Medicare Advantage and Part D plans on a 5-star system covering quality of care, chronic-condition management, member experience, and customer service. For 2026, CareSalute (HMO) earned an overall rating of 4.5 stars — better than Florida's state average of 4.4 stars.
Rating category This plan State average
Overall star rating ★ 4.5 4.4
Health plan quality
Summary rating of health plan quality ★ 4.5 4.4
Staying healthy: screenings, tests & vaccines ★ 4.0 3.7
Managing chronic (long-term) conditions ★ 4.0 4.0
Member experience with health plan ★ 4.0 4.3
Member complaints & changes in performance ★ 4.0 4.1
Health plan customer service ★ 5.0 4.6
Extra Benefits
Hearing
Hearing exam In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Fitting/evaluation In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Hearing aids - prescription In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Hearing aids - over the counter In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Preventive dental
Oral exam In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Cleaning In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Fluoride treatment Not covered
Dental x-rays In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Comprehensive dental
Restorative services In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Endodontics Not covered
Periodontics In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Prosthodontics, removable In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Prosthodontics, fixed Not covered
Maxillofacial prosthetics Not covered
Implant services Not covered
Oral and maxillofacial surgery In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Orthodontics Not covered
Adjunctive general services In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Vision
Routine eye exam In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Contact lenses In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Eyeglasses (frames & lenses) In-network: $0 copay
Out-of-network: $0 copay
Out-of-network: $0 copay
Eyeglass frames (only) Not covered
Eyeglass lenses (only) Not covered
Upgrades Not covered
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