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Written by David Bynon [3], Medicare Analyst since 2012.  Last updated July 16, 2025

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Medicare Advantage
 » 
Florida
 » 
Seminole County

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

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

There are 61 Medicare Advantage plans available in Seminole County, FL for the 2025 plan year, including 52 plans with $0 premiums. Most plans include prescription drug coverage. These counts exclude Special Needs Plans.

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

  • Top 3 Plans by Enrollment:
    1. AARP Medicare Advantage from UHC FL-0018 (PPO) — 5,432 enrollees
    2. Humana Full Access Giveback H5216-393 (PPO) — 4,215 enrollees
    3. AARP Medicare Advantage from UHC FL-0007 (HMO-POS) — 3,651 enrollees
  • Average Monthly Premium: $8.86
  • Average Maximum Out-of-Pocket Limit: $4,720
  • Average Prescription Drug Deductible: $196.73
  • Ratings (Plan Mix): 4+ Stars: 65% · 3 Stars: 35% · Below 3: 0%
  • Plan Type Breakdown 33 HMO · 14 PPO · 9 HMO-POS · 5 REGIONAL PPO

Seminole County, Florida Medicare Advantage Plans

Medicare Advantage Plans in Seminole County, FL for 2024
Plan Name Type Premium MOOP Rx Ded. Rating
Optimum Gold Rewards Plan* HMO $0 $3,400 $0
☆☆☆☆☆
Aetna Medicare Eagle* PPO $0 $5,500 N/A
☆☆☆☆☆
Aetna Medicare FL Explorer Premier* PPO $36 $6,750 $590
☆☆☆☆☆
Aetna Medicare FL Explorer Premier* PPO $0 $6,750 $590
☆☆☆☆☆
Aetna Medicare Premier* PPO $0 $6,750 $590
☆☆☆☆☆
AvMed Medicare One* HMO $0 $3,000 $0
☆☆☆☆☆
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
☆☆☆☆☆
Health First Complete Care H1099-023* HMO $0 $2,500 $0
☆☆☆☆☆
Health First Easy Access H1099-025* HMO-POS $0 $4,500 $200
☆☆☆☆☆
Health First Emerald Plus H1099-024* HMO $0 $3,500 $150
☆☆☆☆☆
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-39 HMO-POS $0 $6,700 $495
☆☆☆☆☆
AARP Medicare Advantage from UHC FL-0007 HMO-POS $0 $2,800 $175
☆☆☆☆☆
AARP Medicare Advantage from UHC FL-0018 PPO $0 $4,500 $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 Choice HMO-POS $0 $5,900 $590
☆☆☆☆☆
Aetna Medicare FL Select HMO $0 $2,900 $0
☆☆☆☆☆
CarePlus Health Plans, Inc. CareAccess HMO $0 $4,900 $0
☆☆☆☆☆
CareFree Giveback HMO $0 $3,850 $0
☆☆☆☆☆
CareFree Platinum Giveback HMO $0 $3,300 $0
☆☆☆☆☆
CareOne Plus HMO-POS $0 $2,750 $0
☆☆☆☆☆
CarePlus Health Plans, Inc. CareSalute HMO $0 $6,700 N/A
☆☆☆☆☆
Freedom Máximo HMO-POS $0 $3,400 $0
☆☆☆☆☆
Freedom Platinum Plan Rx HMO $0 $2,000 $0
☆☆☆☆☆
Freedom Platinum Rewards Plan Rx HMO $0 $3,400 $0
☆☆☆☆☆
Freedom Savings Plan HMO $0 $3,400 N/A
☆☆☆☆☆
Humana Gold Plus Giveback H1036-269 HMO $0 $3,200 $0
☆☆☆☆☆
Humana Gold Plus H1036-146 HMO $0 $2,600 $0
☆☆☆☆☆
Humana USAA Honor Giveback HMO $0 $6,700 N/A
☆☆☆☆☆
Premier by Ultimate HMO $0 $2,900 $0
☆☆☆☆☆
Solis Healthy Living Plan HMO $0 $2,900 $0
☆☆☆☆☆
BlueMedicare Classic HMO $0 $5,000 $0
☆☆☆☆☆
BlueMedicare Patriot PPO $0 $5,500 N/A
☆☆☆☆☆
BlueMedicare Select PPO $113 $5,900 $290
☆☆☆☆☆
FHCP Medicare Premier Advantage HMO $0 $5,100 $295
☆☆☆☆☆
FHCP Medicare Rx Plus HMO-POS $49 $3,400 $0
☆☆☆☆☆
FHCP Medicare Rx Savings HMO $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
☆☆☆☆☆
Wellcare Giveback HMO $0 $5,000 $420
☆☆☆☆☆
Wellcare Patriot Giveback HMO $0 $4,500 N/A
☆☆☆☆☆
Wellcare Simple HMO $0 $2,000 $420
☆☆☆☆☆
Cigna Courage Medicare HMO $0 $3,400 N/A
☆☆☆☆☆
Cigna Preferred Medicare HMO $0 $2,650 $0
☆☆☆☆☆
Cigna Preferred Savings Medicare HMO $0 $3,200 $0
☆☆☆☆☆
HumanaChoice Florida H7284-001 PPO $73 $2,500 $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 Seminole County
Average Monthly Premium
$8.86
Plans with $0 Premium
52
Average MOOP Limit
$4,720 ($9,350 max. in 2025)
Average Rx Deductible
$196.73
Plans Without Drug Coverage
4 (standalone Florida Part D plans)
Plans with 5-Star Ratings
There are 1 5-star plans.
Stars  Ratings (Plan Mix)
4+ Stars: 65% · 3 Stars: 35% · Below 3: 0%
Plans Available
61 (excluding Seminole County SNP plans)
Plan Type Breakdown
33 HMO · 14 PPO · 9 HMO-POS · 5 REGIONAL PPO
Countywide Enrollments
32,095 (excluding SNP plans)
Top 3 Plans by Enrollment
1. AARP Medicare Advantage from UHC FL-0018 (PPO) — 5,432 enrollees
2. Humana Full Access Giveback H5216-393 (PPO) — 4,215 enrollees
3. AARP Medicare Advantage from UHC FL-0007 (HMO-POS) — 3,651 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, or Part C, are health plans provided by private insurers that offer all-in-one coverage, combining Medicare Part A (hospital coverage) and Part B (medical coverage). Many of the 61 plans available to you in Seminole County also include additional benefits like prescription drug coverage, as well as dental, vision, and wellness services, offering a more comprehensive package than Original Medicare.

🏥 Health Maintenance Organization (HMO) Plans

HMO plan members must use the plan's network of doctors and hospitals in Seminole 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 13,882 residents enrolled in HMO plans in this county. The most popular plan is Humana Gold Plus Giveback H1036-269 .

🔓 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 12,797 Seminole County residents enrolled in PPO plans. The most popular of these plans by enrollments is AARP Medicare Advantage from UHC FL-0018 .

🔀 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 4,914 residents enrolled in HMO-POS plans in this Seminole County. The most popular plan by enrollments is AARP Medicare Advantage from UHC FL-0007 .

Advantages of Enrolling in Medicare Advantage

Medicare Advantage Plans, also known as Part C, provide several key advantages over Original Medicare. Bundle up your healthcare with plans that cover Medicare Parts A and B, plus some extras like prescription meds, dental care, and vision services - it's a package deal! Medicare Advantage can be a smart choice if you want to maximize your healthcare dollars and enjoy extras like additional services and lower out-of-pocket costs.

Here are some of the top advantages these plans offer Seminole County residents:

🧑‍⚕️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

Selecting the ideal Medicare Advantage Plan from the 61 plans available in Seminole County involves evaluating several crucial aspects:

🏥1. Provider Network

Ensure your healthcare providers are within the plan's network to maintain continuity of care.

💊 2. Prescription Drug Coverage

Confirm that your current medications are included in the plan's formulary to avoid higher out-of-pocket costs.

💰 3. Costs

Assess the plan’s premium, deductible, and out-of-pocket expenses. The ideal plan aligns with both your financial situation and your healthcare needs.

🎁 4. Additional Benefits

Identify any additional benefits that are important to you, such as fitness programs, routine dental, or over-the-counter medication benefits, and ensure the plan includes them.

⭐ 5. Plan Ratings

If a plan offers the benefits you need at a price you can afford, be sure to check its CMS star ratings. This will help you avoid plans with known problems, like poor customer service.

Discover the key factors to consider when comparing Medicare Advantage Plans.

Medicare Advantage Enrollment Periods

Enrolling in a Medicare Advantage Plan is a straightforward process, but timing is crucial to ensure you don't miss out on the benefits. Understanding when you can enroll will help you take full advantage of the options available in Seminole County.

📅 Initial Enrollment Period (IEP)

The IEP is a seven-month window surrounding your 65th birthday, allowing you to sign up for a Medicare Advantage Plan as soon as you become eligible for Medicare.

🗓️ Annual Enrollment Period (AEP)

The AEP runs from October 15 to December 7 each year, giving you the opportunity to change, drop, or enroll in a Medicare Advantage Plan.

🔁 Open Enrollment Period (OEP)

Between January 1 and March 31, if you’re already enrolled in a Medicare Advantage Plan, you can switch plans or revert to Original Medicare.

To learn more about the enrollment periods and steps to take, check out our comprehensive Medicare Enrollment guide.

Frequently Asked Questions

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

Based on the 2025 plan data, PPO plans are the most common in Seminole County. The full breakdown of plan types is: 33 HMO · 14 PPO · 9 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 Seminole County is $4,720 for 2025.

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

There are 1 5-star rated Medicare Advantage plans in Seminole County, and 65% of all plans have a rating of 4 stars or higher.

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

The average monthly premium for Medicare Advantage plans in Seminole County is $8.86. A total of 52 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 022, H5521 440, H5521 586, H5521 569, H5521 033, H1016 034, H1290 005, H1290 063, H1290 018, H1290 037 4, H1099 023, H1099 025, H1099 024, H5471 107, H5471 120, H5471 074, H1045 069, H1045 030, H2406 010, R0759 001, R0759 002, H2406 130, H1609 028, H1609 042, H1019 144, H1019 149, H1019 138, H1019 057, H1019 133, H5427 112, H5427 089, H5427 102, H5427 052, H1036 269, H1036 146, H1036 290, H2962 046, H0982 024, H1035 020, H5434 044, H5434 002, H1035 040, H1035 002, H1035 014, H5216 393, H5216 257, H5216 452, H5216 072, H1032 212, H1032 239, H1032 213, H5410 057, H5410 024, H5410 026, H7284 001, R5826 005, R5826 018, R5826 074, H1526 005, H1526 006, H9469 006

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 Altamonte Springs, Casselberry, Geneva, Lake Mary, Longwood, Oviedo, Sanford, Winter Springs, and all other areas of Seminole County, Florida, including the following zip codes: 32701, 32703, 32707, 32708, 32714, 32715, 32716, 32718, 32719, 32730, 32732, 32733, 32746, 32747, 32750, 32751, 32752, 32762, 32765, 32766, 32771, 32772, 32773, 32779, 32791, 32792, 32795, 32810.

Citations & References
  • Medicare.gov, "Compare types of Medicare Advantage Plans", Last Accessed 19 March, 2025
  • Medicare.gov, "Special Needs Plans (SNP)", Last Accessed 11 June, 2024
  • Medicare.gov, "Learn How Medigap Works", 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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  • List of Plans
  • Plan Overview
  • Benefits
  • How to Choose
  • Enrollment

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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 delivered independent, data-driven Medicare research to help seniors make informed, confident decisions.

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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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