Direct answer: For plan year 2027 in Polk County, CMS's Medicare Advantage landscape and BayCare's 2027 materials list two BayCarePlus HMO plans: BayCarePlus Complete (H2235-001) and BayCarePlus Rewards (H2235-002). Polk is inside BayCare's stated service area. If you are in BayCarePlus Premier (H2235-003), read your Annual Notice of Change, confirm your ZIP on Medicare Plan Finder, and call before you assume 2027 coverage stays the same.
This page names only BayCare Medicare Advantage plans confirmed in official 2027 sources for Polk County. Premiums, copays, drug tiers, and extra benefits belong in each plan's Summary of Benefits and Evidence of Coverage — not in a blog summary. A licensed review compares those documents against your doctors, hospitals, prescriptions, and pharmacy.
Polk County is in the BayCarePlus service area
BayCare's 2027 Summary of Benefits states that to join BayCarePlus Rewards or BayCarePlus Complete you must live in the plan service area, which includes Hillsborough, Pasco, Pinellas, and Polk counties in Florida. That covers Lakeland, Winter Haven, Bartow, Auburndale, Davenport, and other Polk ZIP codes BayCare serves.
Enrollment still requires Medicare Part A and Part B and meeting the plan's other eligibility rules. BayCare's site notes that enrollment may be limited to specific times of the year.
Which BayCare Medicare Advantage plans 2027 lists for Polk County
CMS publishes county-level Medicare Advantage offerings in its annual landscape file. For Polk County, Florida, the CY2027 Landscape (202609.1) lists these BayCare Health Plans contract H2235 options:
| Plan name (CMS) | Contract–plan ID |
|---|---|
| BayCarePlus Complete (HMO) | H2235-001 |
| BayCarePlus Rewards (HMO) | H2235-002 |
BayCare's Find a 2027 BayCarePlus Plan page compares the same two plans by name and contract ID (H2235-001 and H2235-002). Its 2027 Summary of Benefits booklet covers BayCarePlus Rewards and BayCarePlus Complete only.
Both are Medicare Advantage HMO plans. BayCare's plan disclaimers state that all BayCare Select Health Plans include Part D drug coverage and that members must use plan providers except in emergency or urgent care situations.
Complete vs. Rewards: confirm details on official documents
BayCare's 2027 plan comparison page is the starting point for how Complete and Rewards differ — for example, whether a plan includes a Part B premium reduction feature. Do not choose from marketing labels alone. Pull the 2027 Summary of Benefits, Annual Notice of Change, provider directory, and formulary for the exact plan ID you are considering, then run doctors and drugs through the provider and prescription check.
If a Part B premium reduction matters to you, see how it fits your total-year cost in Part B giveback plans in Polk County — still using your own plan documents, not averages from this page.
On BayCarePlus Premier (H2235-003) in Polk County
BayCare's 2026 Summary of Benefits listed three plans — Rewards, Complete, and Premier (H2235-003) — in the same four-county service area that includes Polk. CMS's CY2026 landscape file also listed BayCarePlus Premier (H2235-003) in Polk County.
For 2027, BayCare's find-a-plan page and Summary of Benefits focus on Complete and Rewards only. CMS's CY2027 landscape for Polk County lists H2235-001 and H2235-002 and does not list H2235-003.
What Premier members should do: Read any Annual Notice of Change or plan letter BayCare or Medicare sent you. Confirm what is available at your ZIP code on Medicare Plan Finder. This page does not state that BayCare will move you into another plan automatically — only your notice and Medicare's records define your January 1 result.
If a letter says your Medicare Advantage plan will not continue, see My Medicare Advantage Plan Is Ending. What Do I Do Now? for enrollment windows and checklist items. Then call to walk through your notice with a licensed Florida health insurance agent.
Before you enroll: doctors, drugs, and October 15–December 7
Annual Enrollment for people who already have Medicare runs October 15 through December 7, 2026 for coverage that generally starts January 1, 2027, per Medicare.gov. Use the Polk County Annual Enrollment checklist, verify Winter Haven Hospital, Bartow Regional, Lakeland Regional Health, Watson Clinic, and every prescription on the 2027 plan you pick, and use the provider and prescription checklist before you submit an enrollment.
David Huff is a licensed Florida health insurance agent (FL #W371813). A review organizes official plan documents and network checks. It does not enroll you or change your coverage. Medicare is discussed for Florida residents only.
Compare BayCare 2027 options for your ZIP
Call (863) 640-3102 or request a review online. Bring your Medicare card, any Annual Notice of Change, and your prescription list.
Get plan help (online) Call (863) 640-3102Related reading
- My Medicare Advantage Plan Is Ending. What Do I Do Now?
- Is a Part B giveback plan worth it in Polk County?
- Medicare Open Enrollment checklist for Polk County
- Winter Haven Hospital and insurance networks
- Provider and prescription check
- Medicare help in Lakeland
Common questions
Which BayCare Medicare Advantage plans are available in Polk County for 2027?
CMS's CY2027 Medicare Advantage landscape for Polk County, Florida lists two BayCare Health Plans HMO options: BayCarePlus Complete (H2235-001) and BayCarePlus Rewards (H2235-002). BayCare's 2027 Summary of Benefits and find-a-plan page describe the same two plans.
Is Polk County in the BayCarePlus service area?
Yes. BayCare's 2027 Summary of Benefits states that the service area includes Hillsborough, Pasco, Pinellas, and Polk counties in Florida.
What if I am on BayCarePlus Premier in Polk County?
BayCarePlus Premier (H2235-003) appeared in CMS's CY2026 landscape for Polk County but does not appear in the CY2027 landscape for Polk. BayCare's 2027 marketing materials compare only Complete and Rewards. Read any Annual Notice of Change or plan letter you received, confirm your 2027 options on Medicare Plan Finder for your ZIP code, and call a licensed agent before you assume your coverage continues unchanged.
Are BayCare Medicare Advantage plans HMO plans with drug coverage?
BayCare describes its BayCarePlus line as Medicare Advantage HMO plans. BayCare's plan disclaimers state that all BayCare Select Health Plans include Part D drug coverage and that members must use plan providers except in emergency or urgent care situations.
When can I enroll in a 2027 BayCare Medicare Advantage plan in Polk County?
Medicare.gov lists Annual Enrollment for people who already have Medicare from October 15 through December 7 for coverage that generally starts January 1. BayCare's disclaimers note that enrollment may be limited to specific times of the year.
Sources
- CMS, Prescription Drug Coverage — General Information (CY2027 Landscape download link)
- CMS, CY2027 Landscape (202609.1) ZIP — Polk County, FL rows for contract H2235 plans 001 and 002
- CMS, CY2026 Landscape (202609) ZIP — Polk County, FL rows including H2235-003 BayCarePlus Premier
- BayCare, Find a 2027 BayCarePlus (HMO) Plan in Your Area
- BayCare, 2027 Summary of Benefits (Rewards H2235-002 and Complete H2235-001; service area counties)
- BayCare, 2026 Summary of Benefits (Rewards, Complete, and Premier; service area counties)
- Medicare.gov, Plan Compare / Medicare Plan Finder
- Medicare.gov, Open Enrollment (October 15–December 7)