Top Rated Medicare Advantage Plans in Florida
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Uncovering the Top Medicare Advantage Plans in Florida
If you live in Florida and you're thinking about enrolling in a Medicare Advantage plan, you're not alone. This year nearly half of all people with Medicare will join a Medicare Advantage plan because they want lower costs, more benefits, and access to more doctors and other healthcare providers.
This page aims to assist you in uncovering the highest-rated Medicare Advantage (MA) plans in Florida, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific region. This information is vital since plan availability varies across different areas.
Table of Contents
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Comparing the Leading Medicare Advantage Plans in Florida
Every year, the Centers for Medicare & Medicaid Services (CMS) reviews and rates all Medicare Advantage plans in Florida based on a 5-star scale. Input for the ratings comes from information that each plan self-reports, as well as individual member complaints. (Read more about Medicare star ratings.)
Florida has 5-star Medicare Advantage plans available in 2025. Not all states and locations do. This year, the highest rated Medicare plans available in Florida come from:
MedicareWire recommends that you evaluate the plans offered by these Florida health insurance companies, before all others, for this single reason. More stars awarded by CMS typically means members get better results. So, for instance, five-star plan members might receive better service, phone support, and care than those who have a four-star plan.
TIP: Everyone's personal situation is different. And so are Florida's Medicare Advantage plans. That's why it is so important to understand Medigap vs Medicare Advantage plans.
Complete List of Florida's Providers
Approximately 25 health insurance providers offer Medicare Advantage plans in Florida, including:
- Aetna Medicare
- Align Senior Care
- AvMed Medicare
- BayCare Health Plans
- Capital Health Plan
- CarePlus Health Plans, Inc.
- Cigna Healthcare
- Devoted Health
- Doctors HealthCare Plans, Inc.
- Florida Blue
- Florida Blue HMO
- Freedom Health, Inc.
- Gold Kidney Health Plan
- Health First Health Plans, Inc.
- HealthSun Health Plans, Inc.
- Humana
- Leon Health, Inc.
- Optimum HealthCare, Inc.
- Prominence Health Plan
- Simply Healthcare
- Simply Healthcare Plans, Inc.
- Solis Health Plans
- Ultimate Health Plans
- UnitedHealthcare
- Wellcare
Top Ranked Plans in Florida
According to the Centers for Medicare & Medicaid Services, here are the top-ranked Medicare Advantage Plans available in Florida:
Top Medicare Advantage Plans in Florida
| Provider | Plan ID | Plan Name | Premium | Limit | Stars |
|---|---|---|---|---|---|
Whether or not you can join a plan from one of the top-rated providers depends on where you live. If your Florida County has the plan you want, and you qualify, you can enroll. Medicare Advantage plans are regional. Generally speaking, larger urban areas have more plan options than rural areas.
Top-Rated Medicare Advantage Plans in Florida by County
Choose your Florida County below to see the best (and the worst) plans.
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Find Your Perfect Fit: How to Pick the Best Medicare Advantage Plan in Florida
If you’re approaching the age of 65, navigating a special enrollment event, or looking to review your plan options ahead of the Annual Enrollment Period, there are a number of details you need to consider when comparing your options.
1. Evaluate How You Plan to Use Your Benefits
Do you think you’ll take maximum advantage of your benefits (doctors, hospital inpatient care, tests, etc.)? If so, prioritize plans with lower out-of-pocket maximums and lower copayments, even if they have higher monthly premiums. Otherwise, look for plans with low monthly premiums. Just be aware that plans with low or no monthly premiums tend to have higher out-of-pocket maximums and/or higher deductibles.
2. Examine Your Prescription Medication Expenses
Prescription drugs are often the main reason that seniors pay more for healthcare. Because most Florida Medicare Advantage plans include Part D coverage for prescriptions, it is important to ensure you get the right plan that covers your drugs at a cost you can afford.
3. Consider Your Needs for Additional Coverage
Original Medicare does not all health care costs. It covers your major medical and some preventive care services, but it does not cover dental, vision, hearing, or prescriptions. A growing number of Medicare Advantage plans cover many of the essential services that your Part A and Part B benefits do not.
4. Consider Your Healthcare Providers
Medicare Advantage plans have healthcare provider networks. Unfortunately, not all specialists and primary care doctors accept all plans. Many people on Medicare in Florida tell us it's difficult to find a plan their doctors take. We can help!
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Next Steps
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Frequently Asked Questions
Still have questions? These common questions and answers might help.
What are the disadvantages of a Medicare Advantage plan?
Medicare Advantage plans have several potential disadvantages. For instance, most plans require their members to use their network of providers. Also, costs are also largely based on your use of healthcare services, making it more difficult to budget for healthcare costs. And, most plans make members get referrals to see a specialist or prior authorization to receive a service. Read about all five disadvantages of Medicare Advantage plans.
Do Medicare Advantage plans pay 100% of all costs?
A Medicare Advantage plan in Florida costs an average of $nan. This is just the monthly premium. You should also consider the out-of-pocket expenses of a plan if you have any chronic conditions, which include a plan's copays and deductibles. Prescription drug benefits are also included in most Medicare Advantage plans, but they have their own out-of-pocket costs.
What is every Medicare Advantage plan required to include?
Approved Medicare Advantage plans sold in Florida must, at a minimum, cover everything that's in Original Medicare. But plans do not have to cover healthcare services at the same cost as Original Medicare. For example, Medicare Part A covers about 80% of hospital stays, skilled nursing care, home health care, and hospice care. Whereas Part B provides coverage for about 80% of outpatient services, including lab tests and doctor visits. Medicare Advantage plans set their own copays and deductibles, and often charge more than 20%. However, plans have an annual limit and Original Medicare doesn't.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
- CMS.gov, "5-STAR PLAN RATINGS", Last Accessed October 22, 2022
- Medicare.gov, "Understanding Medicare Advantage Plans", Last Accessed October 16, 2022
- KFF.org, "Medicare Advantage in 2023: Enrollment Update and Key Trends", Last Accessed September 5, 2023
- Medicare.gov, "How to join a Medicare Advantage Plan", Last Accessed October 11, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed October 13, 2024
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed October 10, 2024
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.