CarePlus Medicare Advantage 2025 Review

CarePlus Medicare Advantage pros and cons

Our full review

CarePlus Medicare star ratings

Average star rating, weighted by enrollment: 4

CarePlus Medicare Advantage plans are rated very slightly above the industry average, with an average rating of 4 stars out of 5 from the Centers for Medicare & Medicaid Services (CMS) for 2025, weighted by enrollment

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For comparison, the average weighted star rating for plans from all providers is 3.95.

CMS maintains star ratings for Medicare Advantage plans on a 5-point scale, ranking plans from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.

You can find a plan’s rating with the Medicare plan finding tool.

What does CarePlus Medicare Advantage cost?

In 2025, all CarePlus Medicare Advantage plans, including special needs plans (SNPs), have a $0 premium

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Most people pay this standard Part B amount, but if your income is above a certain threshold, you'll pay the income-related monthly adjustment amount (IRMAA). Some Medicare Advantage plans cover part or all of the Part B premium.

Requirements for copays, coinsurance and deductibles vary depending on your plan, location and the services you use. Other out-of-pocket costs to consider include:

• Whether the plan covers any part of your monthly Medicare Part B premium.

• The plan’s yearly deductibles and any other deductibles, such as a drug deductible.

• Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.

• The plan’s in-network and out-of-network out-of-pocket maximums.

• Whether your medical providers are in-network or out-of-network, or how often you may go out of network for care.

• Whether you require extra benefits, and if the plan charges for them.

Here are examples of CarePlus Medicare Advantage costs for the most popular plans in a mid-range city:

To get a sense of costs, use Medicare’s plan-finding tool to compare information among available plans in your area. You can select by insurance carrier to see only CarePlus plans or compare across carriers.

Available Medicare Advantage plans

CarePlus offers Medicare Advantage prescription drug plans as well as Medicare Advantage plans without drug coverage.

Plan offerings include the following types:

Third-party ratings

AM Best Financial Strength Rating: A (Excellent)

AM Best is a credit rating agency that specializes in the insurance industry. In September 2023, AM Best upgraded its Financial Strength Rating to A (Excellent) for the majority of health and dental insurance subsidiaries of Humana Inc., including CarePlus Health Plans

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An A rating in this category indicates that AM Best believes Humana has an excellent ability to meet its ongoing insurance obligations.

J.D. Power Ranking

In its 2024 U.S. Medicare Advantage Study — the 10th it's done so far — J.D. Power measured member satisfaction with Medicare Advantage plans based on eight factors ranging from level of trust to how well a provider resolves problems or complaints. The study was fielded in the 10 biggest state Medicare markets, and here’s how CarePlus’s parent company, Humana, ranked out of all major providers

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• California: 7th out of 8.

• Florida: 5th out of 6. 

• Georgia: 2nd out of 4.

• Illinois: 3rd out of 5.

• Michigan: 4th out of 4.

• New York: 5th out of 5.

• North Carolina: 4th out of 4.

• Ohio: 3rd out of 4.

• Pennsylvania: 7th out of 7.

• Texas: 2nd out of 6.

CarePlus Medicare Advantage service area

CarePlus offers Medicare Advantage plans in Florida only.

CarePlus' parent company, Humana, is the second-largest for-profit provider of Medicare Advantage plans in the country

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» MORE: Read our review of Humana Medicare Advantage plans

CarePlus customer service

Here’s how CarePlus members can contact customer service:

• Call Member Services at 800-794-5907 (TTY: 711). From Oct. 1 to March 31, services are open seven days a week, 8 a.m. to 8 p.m. And from April 1 to Sept. 30, services are open Monday to Friday, 8 a.m. to 8 p.m.

• Email CPHP_MemberServices@Careplus-HP.com.