Top Medicare Advantage Plans in Florida for 2024
Find Plans in your area with your ZIP Code
Uncovering the Best 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.
On this webpage, we aim to assist you in uncovering the highest-rated Medicare Advantage (MA) plans available in Florida, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific County. This is important because not all plans are available in all areas.
Table of Contents
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Comparing the Leading Medicare Advantage Plans in Florida
Each year, the Centers for Medicare & Medicaid Services (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 2024. Not all states and locations do. This year, the highest rated Medicare plans available in Florida come from:
- Devoted Health
- Humana
- Simply Healthcare Plans
- Simply Healthcare Plans, Inc.
- HealthSun Health Plans
- HealthSun Health Plans, Inc.
- Optimum HealthCare
- Optimum HealthCare, Inc.
- UnitedHealthcare
- Erickson Advantage
- Leon Health Plans
- Preferred Care Network
We recommend evaluating the health plans from these Florida health insurance companies ahead of all others. Here's why. Simply put, more stars generally mean members will get better results. Members might get better service, phone support, and care from a 5-star than they would from a four-star plan.
CRUCIAL: Benefits are not the same throughout Florida. That's why it is essential that you fully understand the advantages and disadvantages of Medicare Advantage plans.
Complete List of Florida's Plan Providers
Approximately 42 health insurance providers offer Medicare Advantage plans in Florida, including:
- Aetna Medicare
- Alignment Health Plan
- Ascension Complete
- AvMed Medicare
- BayCare Health Plans
- Bright Health
- Capital Health Plan
- CarePlus Health Plans
- CarePlus Health Plans, Inc.
- Cigna
- Cigna Healthcare
- Devoted Health
- Doctors HealthCare Plans
- Doctors HealthCare Plans, Inc.
- Erickson Advantage
- Florida Blue
- Florida Blue HMO
- Florida Blue Medicare
- Freedom Health
- Freedom Health, Inc.
- Gold Kidney Health Plan
- Health First Health Plans
- Health First Health Plans, Inc.
- HealthSun Health Plans
- HealthSun Health Plans, Inc.
- Humana
- Lasso Healthcare
- Leon Health Plans
- Molina Healthcare of Florida
- Optimum HealthCare
- Optimum HealthCare, Inc.
- Oscar
- Preferred Care Network
- Prominence Health Plan
- Simply Healthcare
- Simply Healthcare Plans
- Simply Healthcare Plans, Inc.
- Solis Health Plans
- Ultimate Health Plans
- UnitedHealthcare
- Wellcare
- Wellcare by Allwell
Top Florida Plans by CMS 5-Star Score
Here are the top-ranked Medicare Advantage plans in Florida, according to the Centers for Medicare & Medicaid Services:
Top Medicare Advantage Plans in Florida
| Provider | Plan ID | Plan Name | Premium | Limit | Stars |
|---|---|---|---|---|---|
| Devoted Health | H1290-045 | Devoted ESSENTIALS East Coast Florida (HMO) | $0.00 | $4,900 | 5.0 |
| Devoted Health | H1290-046 | Devoted CORE East Coast Florida (HMO) | $0.00 | $3,400 | 5.0 |
| Devoted Health | H1290-002 | Devoted CORE Broward (HMO) | $0.00 | $2,500 | 5.0 |
| Devoted Health | H1290-014 | Devoted ESSENTIALS Broward (HMO) | $0.00 | $4,900 | 5.0 |
| Devoted Health | H1290-037 | Devoted PREMIUM Florida (HMO) | $21.90 | $3,400 | 5.0 |
| Devoted Health | H1290-029 | Devoted CORE Jacksonville (HMO) | $0.00 | $3,400 | 5.0 |
| Devoted Health | H1290-031 | Devoted ESSENTIALS Jacksonville (HMO) | $0.00 | $4,900 | 5.0 |
| Devoted Health | H1290-049 | Devoted ESSENTIALS Daytona (HMO) | $0.00 | $4,900 | 5.0 |
| Devoted Health | H1290-050 | Devoted CORE Daytona (HMO) | $0.00 | $3,700 | 5.0 |
| Devoted Health | H1290-036 | Devoted CORE Tampa (HMO) | $0.00 | $1,900 | 5.0 |
| Devoted Health | H1290-051 | Devoted ESSENTIALS Tampa (HMO) | $0.00 | $4,900 | 5.0 |
| Devoted Health | H1290-027 | Devoted CORE North Florida (HMO) | $0.00 | $2,750 | 5.0 |
| Devoted Health | H1290-035 | Devoted ESSENTIALS North Florida (HMO) | $0.00 | $4,900 | 5.0 |
| Devoted Health | H1290-025 | Devoted CORE Manatee (HMO) | $0.00 | $3,200 | 5.0 |
| Devoted Health | H1290-032 | Devoted ESSENTIALS Manatee (HMO) | $0.00 | $4,900 | 5.0 |
| Devoted Health | H1290-001 | Devoted CORE Miami-Dade (HMO) | $0.00 | $1,500 | 5.0 |
| Devoted Health | H1290-013 | Devoted ESSENTIALS Miami-Dade (HMO) | $0.00 | $4,900 | 5.0 |
| Devoted Health | H1290-005 | Devoted CORE Orlando (HMO) | $0.00 | $2,900 | 5.0 |
| Devoted Health | H1290-018 | Devoted ESSENTIALS Orlando (HMO) | $0.00 | $4,900 | 5.0 |
| Devoted Health | H1290-015 | Devoted ESSENTIALS Palm Beach (HMO) | $0.00 | $4,900 | 5.0 |
| Devoted Health | H1290-003 | Devoted CORE Palm Beach (HMO) | $0.00 | $3,400 | 5.0 |
| Erickson Advantage | H5652-008 | Erickson Advantage Liberty with Drugs (HMO-POS) | $0.00 | $7,550 | 5.0 |
| Erickson Advantage | H5652-001 | Erickson Advantage Signature (HMO-POS) | $168.00 | $2,600 | 5.0 |
| Erickson Advantage | H5652-006 | Erickson Advantage Freedom (HMO-POS) | $64.00 | $4,300 | 5.0 |
| Erickson Advantage | H5652-008 | Erickson Advantage Liberty (HMO-POS) | $0.00 | $7,300 | 5.0 |
| Erickson Advantage | H5652-001 | Erickson Advantage Signature with Drugs (HMO-POS) | $197.00 | $2,600 | 5.0 |
| Humana | H1036-068 | Humana Gold Plus H1036-068 (HMO) | $0.00 | $3,300 | 5.0 |
| Humana | H1036-270 | Humana Gold Plus H1036-270 (HMO) | $0.00 | $3,900 | 5.0 |
| Humana | H1036-143 | Humana Gold Plus H1036-143 (HMO) | $0.00 | $4,800 | 5.0 |
| Humana | H1036-271 | Humana Gold Plus H1036-271 (HMO) | $0.00 | $6,200 | 5.0 |
| Humana | H1036-065 | Humana Gold Plus H1036-065C (HMO) | $0.00 | $1,000 | 5.0 |
| Humana | H1036-305 | Humana Gold Plus H1036-305 (HMO) | $0.00 | $3,200 | 5.0 |
| Humana | H1036-217 | Humana Gold Plus H1036-217 (HMO) | $0.00 | $3,800 | 5.0 |
| Humana | H1036-278 | Humana Gold Plus H1036-278 (HMO) | $0.00 | $4,400 | 5.0 |
| Humana | H1036-074 | Humana Gold Plus H1036-074 (HMO) | $0.00 | $3,000 | 5.0 |
| Humana | H1036-266 | Humana Gold Plus H1036-266 (HMO) | $0.00 | $3,400 | 5.0 |
| Humana | H1036-044 | Humana Gold Plus H1036-044 (HMO) | $0.00 | $3,200 | 5.0 |
| Humana | H1036-157 | Humana Gold Plus H1036-157 (HMO) | $0.00 | $3,700 | 5.0 |
| Humana | H1036-229 | Humana Gold Plus H1036-229 (HMO) | $0.00 | $2,500 | 5.0 |
| Humana | H1036-230 | Humana Gold Plus H1036-230 (HMO) | $0.00 | $2,400 | 5.0 |
| Humana | H1036-286 | Humana Gold Plus H1036-286 (HMO) | $0.00 | $6,500 | 5.0 |
| Humana | H1036-146 | Humana Gold Plus H1036-146 (HMO) | $0.00 | $2,600 | 5.0 |
| Humana | H1036-269 | Humana Gold Plus H1036-269 (HMO) | $0.00 | $3,200 | 5.0 |
| Humana | H1036-295 | Humana Community (HMO) | $0.00 | $2,500 | 5.0 |
| Humana | H1036-054 | Humana Gold Plus H1036-054C (HMO) | $0.00 | $500 | 5.0 |
| Humana | H1036-062 | Humana Gold Plus H1036-062C (HMO) | $0.00 | $1,000 | 5.0 |
| Leon Health Plans | H4286-001 | Leon MediExtra (HMO) | $0.00 | $1,000 | 5.0 |
| Leon Health Plans | H4286-003 | Leon MediMore (HMO) | $0.00 | $3,450 | 5.0 |
| Optimum HealthCare, Inc. | H5594-001 | Optimum Gold Rewards Plan (HMO) | $0.00 | $1,900 | 5.0 |
| Optimum HealthCare, Inc. | H5594-002 | Optimum Platinum Plan (HMO) | $0.00 | $1,000 | 5.0 |
| Optimum HealthCare, Inc. | H5594-019 | Optimum Gold Plan (HMO) | $0.00 | $3,400 | 5.0 |
| Optimum HealthCare, Inc. | H5594-032 | Optimum Gold Plus Plan (HMO) | $0.00 | $1,900 | 5.0 |
| Simply Healthcare Plans, Inc. | H5471-077 | Simply More (HMO) | $0.00 | $3,450 | 5.0 |
| Simply Healthcare Plans, Inc. | H5471-104 | Simply Extra (HMO) | $0.00 | $3,450 | 5.0 |
| Simply Healthcare Plans, Inc. | H5471-123 | Simply Extra Platinum (HMO) | $0.00 | $3,200 | 5.0 |
| Simply Healthcare Plans, Inc. | H5471-124 | Simply More Platinum (HMO) | $0.00 | $3,200 | 5.0 |
| UnitedHealthcare | H5420-003 | UHC MedicareMax Medicare Advantage FL-0029 (HMO) | $0.00 | $2,900 | 5.0 |
| UnitedHealthcare | H5420-001 | UHC MedicareMax Medicare Advantage FL-0028 (HMO) | $0.00 | $3,400 | 5.0 |
| BayCare Health Plans | H2235-001 | BayCarePlus Complete (HMO) | $0.00 | $3,100 | 4.5 |
| BayCare Health Plans | H2235-002 | BayCarePlus Rewards (HMO) | $0.00 | $4,500 | 4.5 |
| BayCare Health Plans | H2235-003 | BayCarePlus Premier (HMO) | $42.00 | $2,500 | 4.5 |
| BayCare Health Plans | H2235-005 | BayCarePlus Value (HMO) | $0.00 | $4,500 | 4.5 |
| BayCare Health Plans | H2235-006 | BayCarePlus Freedom (HMO-POS) | $0.00 | $3,850 | 4.5 |
| Capital Health Plan | H5938-001 | Capital Health Plan Advantage Plus (HMO) | $26.00 | $3,850 | 4.5 |
| Capital Health Plan | H5938-006 | Capital Health Plan Preferred Advantage (HMO) | $86.00 | $3,850 | 4.5 |
| Capital Health Plan | H5938-008 | Capital Health Plan Silver Advantage (HMO) | $0.00 | $3,850 | 4.5 |
| Cigna Healthcare | H5410-018 | Cigna Preferred Medicare (HMO) | $0.00 | $4,750 | 4.5 |
| Cigna Healthcare | H5410-028 | Cigna Preferred Savings Medicare (HMO) | $0.00 | $3,300 | 4.5 |
| Cigna Healthcare | H5410-035 | Cigna Primary Medicare (HMO) | $18.60 | $3,500 | 4.5 |
| Devoted Health | H1290-037 | Devoted PRIME (HMO) | $32.00 | $2,900 | 4.5 |
| Devoted Health | H1290-044 | Devoted PREMIUM (HMO) | $35.90 | $2,750 | 4.5 |
| Freedom Health, Inc. | H5427-059 | Freedom Medicare Plan Rx (HMO) | $0.00 | $3,000 | 4.5 |
| Freedom Health, Inc. | H5427-088 | Freedom Platinum Plan Rx (HMO) | $0.00 | $1,750 | 4.5 |
| Freedom Health, Inc. | H5427-106 | Freedom Platinum Rewards Plan Rx (HMO) | $0.00 | $3,400 | 4.5 |
| Freedom Health, Inc. | H5427-109 | Freedom Platinum Plus Plan Rx (HMO) | $43.00 | $1,500 | 4.5 |
| Freedom Health, Inc. | H5427-113 | Freedom M?ximo (HMO-POS) | $0.00 | $1,900 | 4.5 |
| HealthSun Health Plans, Inc. | H5431-006 | HealthSun MediMax (HMO) | $23.90 | $3,450 | 4.5 |
| HealthSun Health Plans, Inc. | H5431-012 | HealthSun HealthAdvantage Plan (HMO) | $0.00 | $2,500 | 4.5 |
| HealthSun Health Plans, Inc. | H5431-018 | HealthSun HealthAdvantage Plus (HMO) | $0.00 | $3,450 | 4.5 |
| Humana | H5216-070 | HumanaChoice Florida H5216-070 (PPO) | $0.00 | $6,200 | 4.5 |
| Humana | H5216-392 | HumanaChoice Florida H5216-392 (PPO) | $22.00 | $3,400 | 4.5 |
| Humana | H5216-393 | HumanaChoice Florida H5216-393 (PPO) | $0.00 | $6,500 | 4.5 |
| Humana | H5216-062 | HumanaChoice Florida H5216-062 (PPO) | $0.00 | $3,350 | 4.5 |
| Humana | H5216-311 | HumanaChoice Florida H5216-311 (PPO) | $0.00 | $4,850 | 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 |
| Humana | H5216-072 | HumanaChoice Florida H5216-072 (PPO) | $0.00 | $4,900 | 4.5 |
| Humana | H1036-268 | Humana Gold Plus H1036-268 (HMO) | $0.00 | $4,000 | 4.5 |
| Humana | H5216-068 | HumanaChoice Florida H5216-068 (PPO) | $0.00 | $3,850 | 4.5 |
| Humana | H5216-304 | HumanaChoice Florida H5216-304 (PPO) | $0.00 | $4,700 | 4.5 |
| Humana | H1036-140 | Humana Gold Plus H1036-140 (HMO) | $0.00 | $2,800 | 4.5 |
| Humana | H5216-074 | HumanaChoice Florida H5216-074 (PPO) | $0.00 | $5,800 | 4.5 |
| UnitedHealthcare | H1045-033 | AARP Medicare Advantage from UHC FL-0009 (HMO-POS) | $0.00 | $3,800 | 4.5 |
| UnitedHealthcare | H1045-031 | AARP Medicare Advantage from UHC FL-0008 (HMO-POS) | $0.00 | $3,800 | 4.5 |
| UnitedHealthcare | H1045-030 | AARP Medicare Advantage from UHC FL-0007 (HMO-POS) | $0.00 | $2,900 | 4.5 |
| UnitedHealthcare | H1045-041 | AARP Medicare Advantage from UHC FL-0011 (HMO-POS) | $0.00 | $3,500 | 4.5 |
| UnitedHealthcare | H1045-028 | AARP Medicare Advantage from UHC FL-0006 (HMO-POS) | $0.00 | $3,800 | 4.5 |
| UnitedHealthcare | H1045-034 | AARP Medicare Advantage from UHC FL-0010 (HMO-POS) | $0.00 | $2,900 | 4.5 |
| UnitedHealthcare | H1045-043 | AARP Medicare Advantage from UHC FL-0013 (HMO-POS) | $0.00 | $2,900 | 4.5 |
| UnitedHealthcare | H1045-001 | UHC Preferred Medicare Advantage FL-0001 (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 MA 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
You may be looking at plans for several different reasons, including turning 65 or the Annual Enrollment Period. Or, perhaps you are navigating a special enrollment event, such as moving to a new area. In all of these cases, there are a few important details you need to consider.
1. Examine Your Projected Utilization Needs
Utilization is what determines your overall cost. Healthy individuals use fewer healthcare services. These people can save money by evaluating plans with low monthly premiums. Be aware that these plans often have higher copayments and a higher maximum out-of-pocket limit.
The opposite is true if you have one or more health conditions and frequently use healthcare services, especially hospital inpatient care. In this case, plans with higher monthly premiums, low copayments, and low maximum out-of-pocket limits will help you save money.
2. Examine Your Prescription Medication Expenses
Prescription drugs, not doctors, are what many seniors blame for driving up their healthcare costs. Part D prescription benefits are included with most Florida 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. Consider Your Needs for Additional Coverage
Original Medicare doesn't cover all costs related to health care. It covers major medical expenses and preventative care services, however, it doesn't cover prescriptions, vision, hearing, or dental. Many of the essential services your Part A or Part B benefits don't cover are covered by Medicare Advantage plans.
4. Consider Your Healthcare Providers
Medicare Advantage plans use healthcare provider networks, and not all primary care doctors and specialists accept all plans. For many Florida shoppers, finding a plan that their doctors accept is exhausting. We can help!
Find Plans in your area with your ZIP Code
Next Steps
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Frequently Asked Questions
Still have questions? These common questions and answers might help.
What is the biggest disadvantage of Medicare Advantage?
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.
How much do Medicare Advantage plans cost in Florida?
On average, the cost of a Medicare Advantage plan in Florida is $6.66 (based on 2024 rates). That's just the cost of the monthly premium to be in the plan. If you have chronic health conditions, the plan's out-of-pocket costs, including copays and deductibles, should also be considered. Additionally, Medicare Advantage plans often include Part D prescription drug benefits that have out-of-pocket costs at the pharmacy.
What is every Medicare Advantage plan required to include?
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, hospice care, and home health care. 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.
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 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
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna Healthcare, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, UnitedHealthcare(R), and Wellcare.
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