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Written by David Bynon [3], Medicare Analyst since 2012.  Last updated May 1, 2025

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Medicare Advantage
 » 
Florida
 » 
Hernando County

Guide to Medicare Advantage Plans in Hernando County, FL for 2025

List of Plans | Plan Overview | Benefits | How to Choose | Enrollment | FAQ

There are 49 Medicare Advantage plans available in Hernando County, FL for the 2025 plan year, including 44 plans with $0 premiums. Most plans include prescription drug coverage. These counts exclude Special Needs Plans.

Not in Hernando County? Enter your ZIP code to see plans in your area.

  • Top 3 Plans by Enrollment:
    1. Optimum Gold Plus Plan (HMO) — 4,313 enrollees
    2. Humana Gold Plus Giveback H1036-265 (HMO) — 3,485 enrollees
    3. AARP Medicare Advantage from UHC FL-0019 (PPO) — 1,663 enrollees
  • Average Monthly Premium: $5.50
  • Average Maximum Out-of-Pocket Limit: $4,697
  • Average Prescription Drug Deductible: $230.66
  • Ratings (Plan Mix): 4+ Stars: 56% · 3 Stars: 44% · Below 3: 0%
  • Plan Type Breakdown 24 HMO · 15 PPO · 5 HMO-POS · 5 REGIONAL PPO

Hernando County, Florida Medicare Advantage Plans

Medicare Advantage Plans in Hernando County, FL for 2024
Plan Name Type Premium MOOP Rx Ded. Rating
Optimum Gold Plus Plan* HMO $0 $1,900 $0
☆☆☆☆☆
Optimum Gold Rewards Plan* HMO $0 $1,900 $0
☆☆☆☆☆
Optimum Platinum Plan* HMO $0 $1,000 $0
☆☆☆☆☆
Aetna Medicare Eagle* PPO $0 $5,500 N/A
☆☆☆☆☆
Aetna Medicare FL Explorer Premier* PPO $0 $4,900 $590
☆☆☆☆☆
Aetna Medicare Premier* PPO $0 $5,500 $590
☆☆☆☆☆
Aetna Medicare Premier* PPO $0 $6,750 $590
☆☆☆☆☆
Devoted CORE Florida* HMO $0 $3,900 $590
☆☆☆☆☆
Devoted EXTRA Florida* HMO $0 $3,900 $590
☆☆☆☆☆
Devoted GIVEBACK Florida* HMO $0 $6,750 $590
☆☆☆☆☆
Devoted PREMIUM Florida* HMO $9 $3,900 $590
☆☆☆☆☆
Simply Extra* HMO $0 $3,450 $0
☆☆☆☆☆
Simply Extra Platinum* HMO $0 $3,200 $0
☆☆☆☆☆
Simply More* HMO $0 $3,450 $0
☆☆☆☆☆
AARP Medicare Advantage CareFlex from UHC FL-32 HMO-POS $0 $6,700 $495
☆☆☆☆☆
AARP Medicare Advantage from UHC FL-0006 HMO-POS $0 $3,800 $175
☆☆☆☆☆
AARP Medicare Advantage from UHC FL-0013 HMO-POS $0 $3,500 $175
☆☆☆☆☆
AARP Medicare Advantage from UHC FL-0019 PPO $0 $5,500 $420
☆☆☆☆☆
AARP Medicare Advantage from UHC FL-0031 Regional PPO $23 $7,900 $570
☆☆☆☆☆
AARP Medicare Advantage Patriot No Rx FL-MA01 Regional PPO $0 $7,900 N/A
☆☆☆☆☆
AARP Medicare Advantage Patriot No Rx FL-MA2 PPO $0 $7,900 N/A
☆☆☆☆☆
Aetna Medicare FL Select HMO $0 $2,900 $0
☆☆☆☆☆
Freedom Savings Plan HMO $0 $3,400 N/A
☆☆☆☆☆
Humana Gold Plus Giveback H1036-265 HMO $0 $2,400 $0
☆☆☆☆☆
Humana Gold Plus H1036-025 HMO $0 $2,400 $0
☆☆☆☆☆
Humana USAA Honor Giveback HMO $0 $3,900 N/A
☆☆☆☆☆
Premier by Ultimate HMO $0 $1,900 $0
☆☆☆☆☆
BlueMedicare Classic HMO $0 $5,500 $0
☆☆☆☆☆
BlueMedicare Patriot PPO $0 $5,500 N/A
☆☆☆☆☆
BlueMedicare Premier HMO $0 $3,200 $0
☆☆☆☆☆
BlueMedicare Value PPO $0 $5,100 $175
☆☆☆☆☆
Devoted CHOICE GIVEBACK Florida PPO $0 $9,350 $590
☆☆☆☆☆
Humana Full Access Giveback H5216-393 PPO $0 $6,700 $0
☆☆☆☆☆
Humana USAA Honor Giveback PPO $0 $6,000 N/A
☆☆☆☆☆
HumanaChoice Florida Giveback H5216-452 PPO $0 $6,700 $0
☆☆☆☆☆
HumanaChoice Florida H5216-072 PPO $0 $6,100 $250
☆☆☆☆☆
HumanaChoice Florida H5216-304 PPO $0 $4,700 $300
☆☆☆☆☆
Wellcare Giveback HMO $0 $5,000 $420
☆☆☆☆☆
Wellcare Patriot Giveback HMO $0 $4,500 N/A
☆☆☆☆☆
Wellcare Simple HMO $0 $1,200 $420
☆☆☆☆☆
Cigna Courage Medicare HMO $0 $3,400 N/A
☆☆☆☆☆
Cigna Preferred Medicare HMO $0 $2,700 $0
☆☆☆☆☆
Cigna Preferred Savings Medicare HMO $0 $3,200 $0
☆☆☆☆☆
HumanaChoice R5826-005 Regional PPO $172 $6,700 $100
☆☆☆☆☆
HumanaChoice R5826-018 Regional PPO $43 $7,550 N/A
☆☆☆☆☆
HumanaChoice R5826-074 Regional PPO $23 $7,550 $395
☆☆☆☆☆
Gold Advantage HMO-POS $0 $2,900 $0
☆☆☆☆☆
Gold Loyalty HMO-POS $0 $5,500 N/A
☆☆☆☆☆
Simply Freedom PPO $0 $5,000 $150
☆☆☆☆☆
**Certain PFFS, MSA, and HMO-POS plans have a combined in and out-of-network maximum. Limits are detailed on the plan pages.
📊 At a Glance: Medicare Advantage in Hernando County
Average Monthly Premium
$5.50
Plans with $0 Premium
44
Average MOOP Limit
$4,697 ($9,350 max. in 2025)
Average Rx Deductible
$230.66
Plans Without Drug Coverage
4 (standalone Florida Part D plans)
Plans with 5-Star Ratings
There are 3 5-star plans.
Stars  Ratings (Plan Mix)
4+ Stars: 56% · 3 Stars: 44% · Below 3: 0%
Plans Available
49 (excluding Hernando County SNP plans)
Plan Type Breakdown
24 HMO · 15 PPO · 5 HMO-POS · 5 REGIONAL PPO
Countywide Enrollments
21,872 (excluding SNP plans)
Top 3 Plans by Enrollment
1. Optimum Gold Plus Plan (HMO) — 4,313 enrollees
2. Humana Gold Plus Giveback H1036-265 (HMO) — 3,485 enrollees
3. AARP Medicare Advantage from UHC FL-0019 (PPO) — 1,663 enrollees

Data Sources: CY2025 Landscape, PBP Benefits, Star Ratings Data, Monthly Enrollment by CPSC, and SimpleMaps U.S. Counties. Enrollment data last updated April 7, 2025. County demographic data last updated April 5, 2025.

Understanding Your Medicare Advantage Options

Medicare Advantage Plans, also known as Medicare Part C, are private health plans that provide all-in-one coverage, including Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). On top of the core benefits, many of the plans in Hernando County throw in some nice extras - think prescription drug coverage, dental, vision, and wellness programs - making them a solid choice for those in Hernando County looking for something more than Original Medicare.

🏥 Health Maintenance Organization (HMO) Plans

HMO plan members must use the plan's network of doctors and hospitals in Hernando County, and typically need a referral to see a specialist. Some Medicare Advantage HMO Plans may have lower costs but offer less flexibility in choosing healthcare providers. There are 13,858 residents enrolled in HMO plans in this county. The most popular plan is Optimum Gold Plus Plan .

🔓 Preferred Provider Organization (PPO)

A PPO allows more flexibility in choosing healthcare providers, with the option to see specialists without referrals, though often at a higher cost. Medicare Advantage PPOs usually have higher premiums and out-of-pocket expenses. There are 6,438 Hernando County residents enrolled in PPO plans. The most popular of these plans by enrollments is AARP Medicare Advantage from UHC FL-0019 .

🔀 Health Maintenance Organization Point of Sale (HMO-POS)

Medicare HMO-POS plans are a type of HMO that offers a little more flexibility. Like a regular HMO, you typically use the plan's network of doctors and hospitals for care, usually requiring a referral to see specialists. However, an HMO-POS plan lets you receive certain healthcare services outside of the network at a higher cost. There are 1,382 residents enrolled in HMO-POS plans in this Hernando County. The most popular plan by enrollments is AARP Medicare Advantage from UHC FL-0013 .

If you qualify for Original Medicare or Medicare Advantage in Hernando County but don't know where to begin, we have licensed insurance agents[1] at 1-855-728-0510 (TTY 711) who can answer your questions (Mon-Fri 5am-6pm, Sat 6am-5pm PST) and help you get enrolled. There's no obligation.

Advantages of Enrolling in Medicare Advantage

Many Medicare Advantage Plans offer extra benefits that go beyond Original Medicare, making them an attractive option for some people. These plans provide comprehensive coverage, often including additional services like prescription drug coverage, dental, vision, and wellness programs, all bundled into one plan. By choosing a Medicare Advantage Plan, you can simplify your healthcare and potentially save on costs.

Take a look at the main benefits provided by Medicare Advantage Plans in Hernando County:

🧑‍⚕️Coordinated Care

Plans often include care coordination services, which help you manage your healthcare across different providers and services.

💸 Cost Savings

Many plans have low or $0 premiums and offer capped out-of-pocket costs, providing financial protection against high medical expenses.

🧾 Comprehensive Coverage

Includes Medicare Part A, Part B, and often Part D (prescription drug coverage), along with additional benefits like dental, vision, and hearing.

🧘 Wellness Programs

Many Yavapai County plans offer free gym memberships, wellness programs, and preventive care services. You need to stay healthy, right?

Tips for Selecting a Medicare Advantage Plan

Choosing the right Medicare Advantage Plan out of the 49 plans available in Hernando County requires careful consideration of several key factors:

🏥1. Provider Network

Verify that your current doctors and preferred hospitals are included in the plan's network. Access to your healthcare providers can significantly impact your care experience.

💊 2. Prescription Drug Coverage

Make sure the plan covers your medications, particularly if you have specific prescriptions you rely on regularly.

💰 3. Costs

Examine the plan's premiums, copayments, and out-of-pocket limits. Compare these costs against your budget to avoid unexpected expenses.

🎁 4. Additional Benefits

Consider what extra services, such as dental, vision, or wellness programs, are important to you, and check if the plan offers them.

⭐ 5. Plan Ratings

Look into the plan's star ratings, which provide insight into the plan's overall quality and member satisfaction.

Learn more about the basics of comparing Medicare Advantage Plans.

Medicare Advantage Enrollment Periods

Making sense of Medicare Advantage enrollment periods can seem overwhelming, but it's worth the effort for better health coverage. Missing these key dates could delay your coverage or limit your plan choices for 2025 in Hernando County.

📅 Initial Enrollment Period (IEP)

This initial enrollment window starts three months before and ends three months after your 65th birthday, offering a total of seven months to enroll in a Medicare Advantage Plan.

🗓️ Annual Enrollment Period (AEP)

Every year from October 15 to December 7, you have the option to change, enroll, or disenroll from a Medicare Advantage Plan.

🔁 Open Enrollment Period (OEP)

Running from January 1 to March 31, this period allows changes to your Medicare Advantage Plan if you’re already enrolled or lets you switch back to Original Medicare.

For comprehensive details on how to enroll, visit our detailed guide on Medicare Enrollment.

Are you ready to enroll? Do you still have questions? Our licensed insurance agents are ready to help with no obligation. Call 1-855-728-0510 (TTY 711) for assistance, Mon-Fri 5am-6pm, Sat 6am-5pm PST.

Frequently Asked Questions

What are the most popular Medicare Advantage plan types in Hernando County?

Based on the 2025 plan data, PPO plans are the most common in Hernando County. The full breakdown of plan types is: 24 HMO · 15 PPO · 5 HMO-POS · 5 REGIONAL PPO.

How much can I expect to pay out of pocket for Medicare Advantage plans?

The average maximum out-of-pocket limit (MOOP) in Hernando County is $4,697 for 2025.

Do any Medicare Advantage plans in Hernando County have 5-star ratings?

There are 3 5-star rated Medicare Advantage plans in Hernando County, and 56% of all plans have a rating of 4 stars or higher.

What is the average monthly premium for Medicare Advantage plans in Hernando County?

The average monthly premium for Medicare Advantage plans in Hernando County is $5.50. A total of 44 offer $0 premiums, though costs vary by plan type and benefits.

More About These Plans

Carrier 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.

Master Plan Pages by Plan ID

The plan pages listed in the table above have been modified for localization to help consumers identify plans available in their area. Most plans are available in multiple areas. The following list of plan IDs link to each plan's master page.

H5594 032, H5594 001, H5594 002, H5521 308, H5521 437, H5521 270, H5521 033, H1290 036 1, H1290 058, H1290 051 1, H1290 037 5, H5471 108, H5471 117, H5471 078, H1045 057, H1045 028, H1045 043, H2406 011, R0759 001, R0759 002, H2406 130, H1609 067, H5427 052, H1036 265 1, H1036 025, H1036 119, H2962 001, H1035 021, H5434 042, H1035 034, H5434 035, H9884 008, H5216 393, H5216 257, H5216 452, H5216 072, H5216 304, H1032 200, H1032 239, H1032 201, H5410 057, H5410 029, H5410 030, R5826 005, R5826 018, R5826 074, H1526 005, H1526 006, H9469 008

Plan Availability

The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Brooksville, Spring Hill, and all other areas of Hernando County, Florida, including the following zip codes: 33523, 33597, 34601, 34602, 34603, 34604, 34605, 34606, 34607, 34608, 34609, 34611, 34613, 34614, 34661.

Citations & References
  • Medicare.gov, "Understanding Medicare Advantage Plans", Last Accessed 19 March, 2025
  • CMS.gov, "Special Needs Plans (SNP)", Last Accessed 24 May, 2024
  • Medicare.gov, "What's Medicare Supplement Insurance (Medigap)?", Last Accessed 19 March, 2025
  • Plan and enrollment data provided by the Centers for Medicare & Medicaid Services (CMS)
  • Data processed and interpreted by MedicareWire.com editorial team.
  • Read our methodology and sourcing policy.

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Many of the plans featured on MedicareWire are offered through our trusted partner, HealthCompare Insurance Services, Inc., a licensed sales agency. HealthCompare may compensate us if you enroll in a plan through their services. Online enrollment services are provided by MedicareEnrollment.com, a HealthCompare affiliate.

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[3]About the Author

David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has provided unbiased, data-driven Medicare plan research to assist seniors in making informed decisions.

Previously, David served as Vice President of Global Systems at Sony Pictures Entertainment and Director of Systems and Networks at HealthNet, focusing on secure HMO and Medicare infrastructures. His military career includes serving as Command Chief at TACRON-11, earning multiple Navy Commendation Medals and other commendations.

Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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