Best 2024 Medicare Advantage Plans in Florida
Find Plans in your area with your ZIP Code
Florida's Finest Medicare Advantage Plans: How to Find Yours
Are you considering enrolling in a Medicare Advantage plan in Florida? You're in good company. This year, more than 31 million people enrolled in a private Medicare health plan. Some want lower costs. Some are looking for more benefits. Others need access to more healthcare providers and doctors.
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
The Centers for Medicare & Medicaid Service (CMS) rates and reviews Florida's Medicare Advantage plans based on a 5-star rating scale. Information from members and data provided by plans is used to determine a plan's star rating.
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
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
Florida has 42 providers that offer Medicare Advantage plans. They include:
- 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 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 |
---|---|---|---|---|---|
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 |
The top providers listed above do not tell the full story. That's because your Florida County may or may not have one of the top-rated plans. Unlike Original Medicare, Medicare Advantage plans are regional. Read How Does Medicare Advantage Work to learn more.
Best MA Plans in Florida by County
Choose your Florida County below to see the best (and the worst) plans.
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Strategies for Choosing the Optimal Medicare Advantage Plan in Florida
There are various reasons you might be considering a plan change, such as turning 65 or the Annual Enrollment Period. You might also be navigating a special enrollment event, such as moving into a new region. There are some important details to consider in all these situations.
1. Examine Your Projected Utilization Needs
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. 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 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. Assess Your Need for Supplemental 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. Think About Your Preferred 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!
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 are the pros and cons of a Medicare Advantage plan?
Medicare Advantage plans can have some potential drawbacks. Many plans require members to use their provider network. Costs are also heavily influenced by how you use healthcare services. This makes it difficult to budget for healthcare expenses. Most plans require members to get referrals for specialists or authorization before they can receive healthcare services. Learn more about the pros and cons of Medicare Advantage plans.
Do Medicare Advantage plans pay 100% of all costs?
A Medicare Advantage plan in Florida costs an average of $6.66. 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 do Medicare Advantage plans include?
At a minimum, every Medicare Advantage plan sold in Florida must cover all of the benefits offered in Original Medicare. However, plans are not required to cover healthcare services in the same way. Medicare Part A covers 80% of hospital stays, skilled nursing, home health care, and hospice care. Part B covers 80% of doctor visits, lab tests, and other outpatient services. But, Medicare Advantage plans can set their own copays, and often charge more than 20%. On the positive side, plans must set an annual out-of-pocket limit.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
- CMS.gov, "CMS Releases 2023 Medicare Advantage and Part D Star Ratings", Last Accessed October 6, 2022
- Medicare.gov, "Medicare Advantage Plans", Last Accessed October 1, 2022
- KFF.org, "Medicare Advantage in 2023: Enrollment Update and Key Trends", Last Accessed September 5, 2023
- Medicare.gov, "Things to know about Medicare Advantage Plans", Last Accessed October 12, 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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