Medicare Advantage Plans in Florida

More than 4.6 million people in Florida are signed up for Medicare, making it the second-largest U.S. state for Medicare beneficiaries.

Medicare is the government health care program for people age 65 and older. Medicare Advantage is an all-in-one alternative to Medicare that offers all the same benefits and usually some extras, such as dental and vision coverage.

Medicare Advantage plans offer more benefits than Original Medicare, and they are often cheaper than paying for Medicare and a Medicare Supplement plan. However, they offer less flexibility since you’ll need to get care from within the plan’s network of providers. Weigh your options to determine what plan best suits your needs.

With a large percentage of the population over 65, Florida offers a wide variety of Medicare and Medicare Advantage plans.

• The average monthly premium in 2021 for a Medicare Advantage plan in Florida is $8.28.

• There are 527 Medicare Advantage plans available in Florida in 2021. (This is up from 474 plans in 2020.)

• All Medicare-eligible people in Florida have access to a $0-premium Medicare Advantage plan.

The following providers offer Medicare Advantage plans in Florida:

• Ascension Complete.

• AvMed Medicare.

• BayCare Health Plans.

• Bright Health.

• Capital Health Plan.

• CarePlus Health Plans.

• Devoted Health.

• Doctors HealthCare Plans.

• Florida Blue HMO.

• Freedom Health.

• Health First Health Plans.

• HealthSun Health Plans.

• Lasso Healthcare.

• MMM of Florida.

• Optimum HealthCare.

• Prominence Health Plan.

• Simply Healthcare Plans.

• Solis Health Plans.

• Ultimate Health Plans.

The plans below are all rated 5 stars out of 5 by the Centers for Medicare & Medicaid Services, or CMS. (Get more information about Medicare star ratings.)

• CarePlus Health Plans: CareExtra, CareFree, CareFree PLUS, CareOne, CareOne PLATINUM, CareOne PLUS.

• Cigna: Cigna Fundamental Medicare, Cigna Preferred Medicare, Cigna Preferred Savings Medicare, Cigna Primary Medicare, Leon Medicare.

• HealthSun Health Plans: HealthSun HealthAdvantage Plan, HealthSun MediMax.

• UnitedHealthcare: Erickson Advantage Freedom, Erickson Advantage Liberty with Drugs, Erickson Advantage Liberty without Drugs, Erickson Advantage Signature with Drugs.

The plans below are all rated 4.5 stars out of 5 by the CMS:

• Capital Health Plan: Capital Health Plan Advantage Plus, Capital Health Plan Preferred Advantage, Capital Health Plan Silver Advantage.

• Florida Blue HMO: BlueMedicare Classic, BlueMedicare Premier, BlueMedicare Saver, FHCP Medicare Choice, FHCP Medicare Flagler Advantage, FHCP Medicare Premier Advantage, FHCP Medicare Premier Plus, FHCP Medicare Rx, FHCP Medicare Rx Plus, FHCP Medicare Rx Savings.

• Humana: Humana Gold Plus, Humana Honor.

• Optimum HealthCare: Optimum Gold Plus Plan, Optimum Gold Rewards Plan, Optimum Platinum Plan.

It’s crucial to ask a few questions as you’re shopping for the right plan. Here’s a quick checklist to help you consider your options:

• How much are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

• Is your doctor in-network? If you have a preferred doctor (or doctors) or hospital, make sure they participate in the plan’s network.

• Are your prescriptions covered? If you’re on medication, understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

• Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

• Are there extras? Does the plan offer any additional perks, such as fitness memberships, transportation benefits or meal delivery?

Get more information about some of the major Medicare Advantage providers here: