2023 Medicare Advantage Plans in Florida
Find Plans in your area with your ZIP Code
Are you considering enrolling in a Medicare Advantage plan in Florida? You're in good company. In 2023, more than 31 million people are expected to get a private Medicare health plan. Some want lower costs. Some are looking for more benefits. Others need access to more healthcare providers and doctors.
Our online tools can help you find the best Medicare Advantage plans available that meet your needs. Below is a summary of the Florida market. This will allow you to get a clear idea of the top plan options available, the top-rated plan providers, and what you should expect to pay each month in premiumsA premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums. .
Table of Contents
Key Takeaways
- Medicare Advantage PlansMedicare Advantage (MA), also known as Medicare Part C, are health plans from private insurance companies that are available to people eligible for Original Medicare (Medicare Part A and Medicare Part B). are available to U.S. citizens and legal U.S. residents living in Florida who are enrolled in Original MedicareOriginal Medicare is private fee-for-service health insurance for people on Medicare. It has two parts. Part A is hospital coverage. Part B is medical coverage..
- Insurance plans are offered by private health insurance companies and provide an alternative way to receive Medicare benefits in your Florida County.
- Medicare Advantage Plans in Florida are required to provide at least the same benefits as Original Medicare, but they may also provide additional benefits such as vision, dental, and hearing coverage.
- Plans may also offer prescription drug coverage, which is not available with Original Medicare. A stand-alone Medicare Part DMedicare Part D plans are an option Medicare beneficiaries can use to get prescription drug coverage. Part D plans provide cost-sharing on covered medications in four different phases:Â deductible, initial coverage, coverage gap, and catastrophic. Each... plans available in Florida can be added if the health plan does not include Part D.
- Medicare Advantage Plans in Florida may have different cost-sharing requirements than Original Medicare, such as copaymentsA copayment, also known as a copay, is a set dollar amount you are required to pay for a medical service., coinsuranceCoinsurance is a percentage of the total you are required to pay for a medical service. , and deductiblesA deductible is an amount a beneficiary must pay for their health care expenses before the health insurance policy begins to pay its share.. Be sure to compare plans, including prices, quality and affordable out-of-pocket costsOut-of-Pocket Costs for Medicare are the remaining costs that are not covered by the beneficiary's health insurance plan. These costs can come from the beneficiary's monthly premiums, deductibles, coinsurance, and copayments., to determine the best Medicare insurance for your situation.
- Medicare Advantage Plans in Florida may also have different provider networks than Original Medicare, so it is important to make sure that your preferred doctors and hospitals are in-networkDoctors, hospitals, pharmacies, and other healthcare providers that agree to health plan members' services and supplies at a set price are in-network providers. With some health plans, your care is only covered if you get....
- Medicare Advantage insurance has specific open enrollment periods. Unlike Medicare Supplement plans, you cannot join, switch, or drop a plan outside of an enrollment period.
Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.
Who Has The Best Plans in Florida?
Each year, the Centers for Medicare & Medicaid ServicesThe Centers for Medicare & Medicaid Services (CMS) is the U.S. Federal agency that runs the Medicare, Medicaid, and Children’s Health Insurance Programs. (CMS), reviews and rates Florida's Medicare Advantage plans based on a 5-star scale. The information used to create a plan's star rating comes from member input and data reported by the plan.
Florida has 5-star Medicare Advantage plans available in 2023. Not all states and locations do. This year, the highest rated Medicare plans available in Florida come from:
- HealthSun Health Plans
- Optimum HealthCare
- UnitedHealthcare
MedicareWireMedicareWire is a Medicare insurance consulting agency. We founded MedicareWire after seeing and hearing how confusing and frustrating it is to find, understand, and choose a plan. Our services are free to the consumer. 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 The plan with the most services is not necessarily the plan best suited to your needs.
Complete List of Florida's Plan Providers
Florida's Medicare Advantage plans are offered by 32 plan providers, including:
- Aetna Medicare
- Ascension Complete
- AvMed Medicare
- BayCare Health Plans
- Bright Health
- Capital Health Plan
- CarePlus Health Plans
- CarePlus Health Plans, Inc.
- Cigna
- Devoted Health
- Doctors HealthCare Plans
- Doctors HealthCare Plans, Inc.
- Florida Blue
- Florida Blue HMO
- Florida Blue Medicare
- Freedom Health
- Freedom Health, Inc.
- Health First Health Plans
- HealthSun Health Plans
- Humana
- Lasso Healthcare
- Leon Health Plans
- Molina Healthcare of Florida
- Optimum HealthCare
- Oscar
- Prominence Health Plan
- Simply Healthcare Plans
- Simply Healthcare Plans, Inc.
- Solis Health Plans
- Ultimate Health Plans
- UnitedHealthcare
- Wellcare
Florida's Top-Rated Plans in 2023
Here's a list of the best 2023 Medicare Advantage plans available in Florida, according to the Centers for Medicare & MedicaidMedicaid is a public health insurance program that provides health care coverage to low-income families and individuals in the United States. Services:
Top Medicare Advantage Plans in Florida
| Provider | Plan ID | Plan Name | Premium | Limit | Stars |
|---|---|---|---|---|---|
| HealthSun Health Plans | H5431-012 | HealthSun HealthAdvantage Plan (HMO) | $0.00 | $2,500 | 5.0 |
| HealthSun Health Plans | H5431-018 | HealthSun HealthAdvantage Plus (HMO) | $0.00 | $3,450 | 5.0 |
| HealthSun Health Plans | H5431-006 | HealthSun MediMax (HMO) | $35.90 | $3,450 | 5.0 |
| Optimum HealthCare | H5594-019 | Optimum Gold Plan (HMO) | $0.00 | $3,400 | 5.0 |
| Optimum HealthCare | H5594-032 | Optimum Gold Plus Plan (HMO) | $0.00 | $1,900 | 5.0 |
| Optimum HealthCare | H5594-001 | Optimum Gold Rewards Plan (HMO) | $0.00 | $1,900 | 5.0 |
| Optimum HealthCare | H5594-002 | Optimum Platinum Plan (HMO) | $0.00 | $1,000 | 5.0 |
| UnitedHealthcare | H5652-006 | Erickson Advantage Freedom (HMO-POS) | $68.00 | $4,300 | 5.0 |
| UnitedHealthcare | H5652-008 | Erickson Advantage Liberty with Drugs (HMO-POS) | $0.00 | $7,550 | 5.0 |
| UnitedHealthcare | H5652-001 | Erickson Advantage Signature with Drugs (HMO-POS) | $197.00 | $2,600 | 5.0 |
| BayCare Health Plans | H2235-002 | BayCarePlus Rewards (HMO) | $0.00 | $4,500 | 4.5 |
| BayCare Health Plans | H2235-001 | BayCarePlus Complete (HMO) | $0.00 | $3,100 | 4.5 |
| BayCare Health Plans | H2235-003 | BayCarePlus Premier (HMO) | $34.00 | $2,500 | 4.5 |
| Capital Health Plan | H5938-001 | Capital Health Plan Advantage Plus (HMO) | $29.00 | $3,650 | 4.5 |
| Capital Health Plan | H5938-006 | Capital Health Plan Preferred Advantage (HMO) | $90.00 | $3,650 | 4.5 |
| Capital Health Plan | H5938-008 | Capital Health Plan Silver Advantage (HMO) | $0.00 | $3,650 | 4.5 |
| Cigna | H5410-018 | Cigna Preferred Medicare (HMO) | $0.00 | $4,500 | 4.5 |
| Cigna | H5410-028 | Cigna Preferred Savings Medicare (HMO) | $0.00 | $4,750 | 4.5 |
| Cigna | H5410-034 | Cigna Primary Medicare (HMO) | $22.00 | $3,500 | 4.5 |
| Devoted Health | H1290-027 | Devoted CORE North Florida (HMO) | $0.00 | $2,750 | 4.5 |
| Devoted Health | H1290-035 | Devoted ESSENTIALS North Florida (HMO) | $0.00 | $3,400 | 4.5 |
| Devoted Health | H1290-025 | Devoted CORE Manatee (HMO) | $0.00 | $3,200 | 4.5 |
| Devoted Health | H1290-032 | Devoted ESSENTIALS Manatee (HMO) | $0.00 | $3,400 | 4.5 |
| Devoted Health | H1290-001 | Devoted CORE Miami-Dade (HMO) | $0.00 | $1,500 | 4.5 |
| Devoted Health | H1290-046 | Devoted CORE East Coast Florida (HMO) | $0.00 | $3,400 | 4.5 |
| Devoted Health | H1290-013 | Devoted ESSENTIALS Miami-Dade (HMO) | $0.00 | $3,400 | 4.5 |
| Devoted Health | H1290-045 | Devoted ESSENTIALS East Coast Florida (HMO) | $0.00 | $3,900 | 4.5 |
| Devoted Health | H1290-029 | Devoted CORE Jacksonville (HMO) | $0.00 | $3,400 | 4.5 |
| Devoted Health | H1290-031 | Devoted ESSENTIALS Jacksonville (HMO) | $0.00 | $3,900 | 4.5 |
| Devoted Health | H1290-005 | Devoted CORE Orlando (HMO) | $0.00 | $2,750 | 4.5 |
| Devoted Health | H1290-044 | Devoted PREMIUM (HMO) | $35.90 | $3,400 | 4.5 |
| Devoted Health | H1290-018 | Devoted ESSENTIALS Orlando (HMO) | $0.00 | $3,400 | 4.5 |
| Devoted Health | H1290-003 | Devoted CORE Palm Beach (HMO) | $0.00 | $3,400 | 4.5 |
| Devoted Health | H1290-015 | Devoted ESSENTIALS Palm Beach (HMO) | $0.00 | $3,400 | 4.5 |
| Devoted Health | H1290-050 | Devoted CORE Daytona (HMO) | $0.00 | $3,700 | 4.5 |
| Devoted Health | H1290-002 | Devoted CORE Broward (HMO) | $0.00 | $2,500 | 4.5 |
| Devoted Health | H1290-049 | Devoted ESSENTIALS Daytona (HMO) | $0.00 | $5,500 | 4.5 |
| Devoted Health | H1290-014 | Devoted ESSENTIALS Broward (HMO) | $0.00 | $3,400 | 4.5 |
| Devoted Health | H1290-037 | Devoted PRIME (HMO) | $32.00 | $3,400 | 4.5 |
| Devoted Health | H1290-036 | Devoted CORE Tampa (HMO) | $0.00 | $1,900 | 4.5 |
| Devoted Health | H1290-051 | Devoted ESSENTIALS Tampa (HMO) | $0.00 | $3,400 | 4.5 |
| Freedom Health | H5427-059 | Freedom Medicare Plan Rx (HMO) | $0.00 | $3,000 | 4.5 |
| Freedom Health | H5427-088 | Freedom Platinum Plan Rx (HMO) | $0.00 | $1,750 | 4.5 |
| Freedom Health | H5427-109 | Freedom Platinum Plus Plan Rx (HMO) | $50.00 | $1,500 | 4.5 |
| Freedom Health | H5427-106 | Freedom Platinum Rewards Plan Rx (HMO) | $0.00 | $3,400 | 4.5 |
| Humana | H1036-286 | Humana Gold Plus H1036-286 (HMO) | $0.00 | $6,500 | 4.5 |
| Humana | H1036-068 | Humana Gold Plus H1036-068 (HMO) | $0.00 | $3,300 | 4.5 |
| Humana | H1036-295 | Humana Community (HMO) | $0.00 | $2,500 | 4.5 |
| Humana | H1036-270 | Humana Gold Plus H1036-270 (HMO) | $0.00 | $3,900 | 4.5 |
| Humana | H1036-217 | Humana Gold Plus H1036-217 (HMO) | $0.00 | $3,800 | 4.5 |
| Humana | H1036-146 | Humana Gold Plus H1036-146 (HMO) | $0.00 | $2,600 | 4.5 |
| Humana | H5216-070 | HumanaChoice Florida H5216-070 (PPO) | $0.00 | $5,500 | 4.5 |
| Humana | H1036-278 | Humana Gold Plus H1036-278 (HMO) | $0.00 | $4,400 | 4.5 |
| Humana | H1036-269 | Humana Gold Plus H1036-269 (HMO) | $0.00 | $3,200 | 4.5 |
| Humana | H5216-072 | HumanaChoice Florida H5216-072 (PPO) | $0.00 | $4,900 | 4.5 |
| Humana | H5216-074 | HumanaChoice Florida H5216-074 (PPO) | $0.00 | $5,800 | 4.5 |
| Humana | H1036-143 | Humana Gold Plus H1036-143 (HMO) | $0.00 | $4,800 | 4.5 |
| Humana | H5216-304 | HumanaChoice Florida H5216-304 (PPO) | $0.00 | $4,700 | 4.5 |
| Humana | H1036-271 | Humana Gold Plus H1036-271 (HMO) | $0.00 | $6,200 | 4.5 |
| Humana | H1036-140 | Humana Gold Plus H1036-140 (HMO) | $0.00 | $2,800 | 4.5 |
| Humana | H1036-266 | Humana Gold Plus H1036-266 (HMO) | $0.00 | $3,400 | 4.5 |
| Humana | H1036-074 | Humana Gold Plus H1036-074 (HMO) | $0.00 | $3,000 | 4.5 |
| Humana | H1036-054 | Humana Gold Plus H1036-054C (HMO) | $0.00 | $500 | 4.5 |
| Humana | H5216-062 | HumanaChoice Florida H5216-062 (PPO) | $0.00 | $3,350 | 4.5 |
| Humana | H1036-062 | Humana Gold Plus H1036-062C (HMO) | $0.00 | $1,000 | 4.5 |
| Humana | H5216-311 | HumanaChoice Florida H5216-311 (PPO) | $0.00 | $4,850 | 4.5 |
| Humana | H1036-044 | Humana Gold Plus H1036-044 (HMO) | $0.00 | $3,200 | 4.5 |
| Humana | H1036-157 | Humana Gold Plus H1036-157 (HMO) | $0.00 | $3,700 | 4.5 |
| Humana | H1036-229 | Humana Gold Plus H1036-229 (HMO) | $0.00 | $1,950 | 4.5 |
| Humana | H1036-230 | Humana Gold Plus H1036-230 (HMO) | $0.00 | $2,400 | 4.5 |
| Humana | H1036-268 | Humana Gold Plus H1036-268 (HMO) | $0.00 | $4,000 | 4.5 |
| Humana | H1036-065 | Humana Gold Plus H1036-065C (HMO) | $0.00 | $1,000 | 4.5 |
| Humana | H1036-305 | Humana Gold Plus H1036-305 (HMO) | $0.00 | $3,200 | 4.5 |
| Humana | H5216-068 | HumanaChoice Florida H5216-068 (PPO) | $0.00 | $3,850 | 4.5 |
| Humana | H1036-025 | Humana Gold Plus H1036-025 (HMO) | $0.00 | $1,800 | 4.5 |
| Humana | H1036-265 | Humana Gold Plus H1036-265 (HMO) | $0.00 | $2,400 | 4.5 |
| Simply Healthcare Plans | H5471-077 | Simply More (HMO) | $0.00 | $3,450 | 4.5 |
| Simply Healthcare Plans | H5471-104 | Simply Extra (HMO) | $0.00 | $3,450 | 4.5 |
| UnitedHealthcare | H5420-003 | MedicareMax (HMO) | $0.00 | $2,900 | 4.5 |
Interested in joining a plan from one of the top-rated providers? That has a lot to do with your Florida County. Medicare Advantage plans are regional, and you can't join a plan that isn't in your area.
Best Plans in Florida by County
Choose your Florida County below to see the best (and the worst) 2023 plans.
For fast, friendly assistance call 1-855-728-0510 (TTY 711) .
How to Select The Best Plan
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 PeriodThe Annual Enrollment Period is when Medicare beneficiaries can join, drop or change Medicare Advantage and Medicare Part D prescription drug plans. AEP begins on 15 October and ends on 7 December., there are a number of details you need to consider when comparing your options.
1. Consider Your Expected Utilization
Do you think you’ll take maximum advantage of your benefits (doctors, hospital inpatient careInpatient care refers to care provided in a hospital or other inpatient facility. Inpatients are admitted and stay at least one night depending on their condition., 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. Evaluate Your Prescription Costs
Prescription drugs, not doctors, are what many seniors blame for driving up their healthcare costs. Part D prescription benefits are included with most Medicare Advantage plans. It would be best if you made sure that the plan you choose covers your drugs at a price you can afford.
3. Understand Your Additional Coverage Needs
Original Medicare only covers your major medical services, leaving you to pay for dental, vision, hearing, and other healthcare services, or get additional coverage. Fortunately, a growing number of Medicare Advantage plans cover many of the essential services not covered by your Part A and Part BMedicare Part B is medical coverage for people with Original Medicare benefits. It covers doctor visits, preventative care, tests, durable medical equipment, and supplies. Medicare Part B pays 80 percent of most medically necessary healthcare services. benefits.
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!
Should I Choose an HMO or PPO plan?
There are many plan options available when shopping for Medicare Advantage plans in Florida, including HMO and PPO options. These are some of the differences you should consider before making a plan selection.
- With an HMO you may pay less out-of-pocket, but you will need to choose a primary physician to coordinate your care. Referrals for specialists are often required. Except in an emergency, you must remain within the provider network.
- With a PPO you are not required to get referrals for specialty care. You have the option to get health care outside of the plan's provider network. However, typically you will pay more and the out-of-pocket maximum for out-of-network care will be higher.
Need help choosing? Call 1-855-728-0510 (TTY 711) for plan assistance. There's no obligation.
Find Plans in your area with your ZIP Code
Eligibility
Medicare Advantage plans are available to people ages 65 and older. They are also available to individuals with certain disabilities. When eligible, you can generally join one of these Medicare Advantage Plans:
- Health Maintenance Organization (HMO)
- Preferred Provider Organization (PPO)
- Private Fee-for-Service (PFFS)
- Medical Savings Account (MSA) Plan
You must live in the service area (i.e., County) of the plan you want to join. If you reside outside the plan's service area for part of the year, ask if the plan will cover you there. You must also have both Medicare Part AMedicare Part A is hospital coverage for Medicare beneficiaries. It covers inpatient care in hospitals and skilled nursing facilities. It also covers limited home healthcare services and hospice care. and Part B and be a U.S. citizen or a legal resident.
Alternatives
Medicare Advantage Plans are an alternative to Original Medicare coverage. However, there is another option. You can keep your Original Medicare benefits and add one of the best Medicare Supplement plans in Florida for additional coverage. And, there are Florida Medicare Part D plans for coverage of prescription drugs.
Many experts feel Medicare Supplement insuranceMedicare Supplements are additional insurance policies that Medicare beneficiaries can purchase to cover the gaps in their Original Medicare (Medicare Part A and Medicare Part B) health insurance coverage. plans offer superior financial coverage and the most flexibility. Plus, benefits rarely change and you can get a policy outside of a Medicare enrollment period. However, plans may not be affordable for all Florida seniors.
Due to the fact that Medicare Supplement plans cover more costs than Medicare Advantage Plans, their monthly premiums are generally higher. If you cannot afford Medicare's out-of-pocket costs, another alternative is a dual-eligibleDual-eligible beneficiaries are those who receive both Medicare and Medicaid benefits. It includes beneficiaries enrolled in Medicare Part A and/or Part B while receiving full Medicaid and/or financial assistance through a Medicare Savings Program.... Medicare Special Needs Plan in Florida. D-SNP plans help Florida seniors who qualify for both Medicare and Medicaid. D-SNP plans offer quality care at very affordable prices.
Next Steps
Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.
Frequently Asked Questions
Still have questions? These common questions and answers might help.
What is the biggest disadvantage of Medicare Advantage?
Medicare Advantage plans may have several disadvantages. Most plans require that their members use their network providers. It is also difficult to budget for healthcare costs as costs are largely determined by your use of healthcare services. Many plans require that members obtain referrals to a specialist before they are authorized to receive a service. Discover more disadvantages of Medicare Advantage plans.
Do Medicare Advantage plans pay 100% of all costs?
The average cost of a Medicare Advantage plan in Florida is $6.40. But that's just the monthly premium. If you have one or more chronic health conditions, a plan's out-of-pocket costs (e.g. deductibles and copays) are also a factor to consider. Plus, most Medicare Advantage plans include prescription drug benefits, which have their own out-of-pocket costs.
What are Medicare Advantage plans required to cover?
All Medicare Advantage plans offered in Florida must cover all of the Original Medicare benefits. But, private Medicare plans are not required to provide healthcare services similarly. For instance, Medicare Part A covers 80% of hospital stays, skilled nursing, home care, hospiceHospice is a special way of caring for people who are terminally ill. Hospice care involves a team-oriented approach that addresses the medical, physical, social, emotional, and spiritual needs of the patient. care, and home health careHealth care services and supplies a doctor decides you may receive in your home under a plan of care established by your doctor. Medicare only covers home health care on a limited basis as ordered.... And Part B covers 80% of doctor visits, lab tests, and other outpatient services. However, Medicare Advantage plans are allowed to set their own copays and routinely charge more than 20%. That said, they do have an annual limit, whereas Original Medicare doesn't.
Methodology and Sources
Our analysis of the top-rated Medicare Advantage plans in Florida excludes employer group plans, Medicare-Medicaid Plans (MMPs), Medicare Savings Account Plans (MSAs), Special Needs Plans (SNPs), and plans that do not include Part D benefits.
CMS rates and reviews health plans in several categories, including delivery of health care, member experience and customer service. When comparing plan ratings, we use state-specific data, not CMS' nationwide figures.
Medicare Advantage plan data is sourced from CMS public use files (see: Citations & References). When needed, we combined affiliated companies to calculate insurer averages.
Our research does not include Florida's Medicare Advantage SNP Plans. We evaluate these plans separately. We also did not include plans without Part D benefits for prescription drugs, employer plans, or Medicare-Medicaid Plans (MMPs). If you're not looking for a Medicare Advantage plan but want to cover out-of-pocket costs that Original Medicare plan doesn't cover, MedicareWire also ranked the best Medigap Plans in Florida.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
- Medicare.gov, "5-star special enrollment period", Last Accessed October 20, 2022
- Medicare.gov, "Explore your Medicare coverage options", Last Accessed October 27, 2022
- KFF.org, "Medicare Advantage 2022 Spotlight: First Look", Last Accessed November 2, 2022
- Medicare.gov, "How to join a Medicare Advantage Plan", Last Accessed October 11, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed January 13, 2023
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed January 13, 2023
- CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
- CMS.gov, Medicare Marketing Guidelines, Last Accessed February 2, 2023
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Our content follows the guidance provided by the Medicare Marketing Guidelines on CMS.gov. If you believe the information on this page is inaccurate, please contact us.