Medicare Advantage Plans in Florida

More than two dozen providers sell Medicare Advantage in Florida. Find out which ones are the top performers.
Jan 19, 2022

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More than 4.7 million people in Florida are signed up for Medicare, making it the second-largest U.S. state for Medicare beneficiaries.

Medicare is the government health care program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare that offers all the same benefits and usually some extras, such as cost help with dental and vision coverage.

Medicare Advantage plans offer more benefits than Original Medicare, and they're often cheaper than paying for Medicare and a Medicare Supplement plan. However, they offer less flexibility since you’ll need to get care from within the plan’s network of providers. Weigh your options to determine what plan best suits your needs.

What to know about Medicare in Florida

With 1 in 5 people in the state age 65 or older, Florida offers a wide variety of Medicare and Medicare Advantage plans.

  • The average monthly premium in 2022 for a Medicare Advantage plan in Florida is $8.54 (up from $8.36 in 2021).

  • There are 583 Medicare Advantage plans available in Florida in 2022. (This is up from 526 plans in 2021.)

  • All Medicare-eligible people in Florida have access to a $0-premium Medicare Advantage plan.

Medicare Advantage providers in Florida

The following providers offer Medicare Advantage plans in Florida:

  • Ascension Complete.

  • AvMed Medicare.

  • BayCare Health Plans.

  • Bright Health.

  • Capital Health Plan.

  • CarePlus Health Plans.

  • Devoted Health.

  • Doctors HealthCare Plans.

  • Florida Blue HMO.

  • Freedom Health.

  • Health First Health Plans.

  • HealthSun Health Plans.

  • Lasso Healthcare.

  • Leon Health Plans.

  • MMM of Florida.

  • Molina Healthcare of Florida.

  • Optimum HealthCare.

  • Oscar.

  • Prominence Health Plan.

  • Simply Healthcare Plans.

  • Solis Health Plans.

  • Ultimate Health Plans.

Top-rated Medicare Advantage plans in Florida

Each year, the Centers for Medicare & Medicaid Services, or CMS, awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. Below are plans that received top marks in Florida for the 2022 plan year. (Check out more information about Medicare star ratings.)

5-star plans

The plans below are rated 5 stars out of 5 by the CMS:

  • BayCare Health Plans: BayCarePlus Complete, BayCarePlus Premier, BayCarePlus Rewards.

  • Capital Health Plan: Capital Health Plan Advantage Plus, Capital Health Plan Preferred Advantage, Capital Health Plan Silver Advantage.

  • CarePlus Health Plans: CareExtra, CareFree, CareFree PLUS, CareOne, CareOne PLATINUM, CareOne PLUS, CareSalute.

  • Cigna: Cigna Fundamental Medicare, Cigna Preferred Medicare, Cigna Preferred Savings Medicare, Cigna Primary Medicare, Leon Medicare.

  • HealthSun Health Plans: HealthSun HealthAdvantage Plan, HealthSun MediMax.

  • Optimum HealthCare: Optimum Gold Plus Plan, Optimum Gold Rewards Plan, Optimum Platinum Plan.

  • UnitedHealthcare: Erickson Advantage Freedom, Erickson Advantage Liberty with Drugs, Erickson Advantage Liberty without Drugs, Erickson Advantage Signature with Drugs, MedicareMax.

4.5-star plans

The plans below are rated 4.5 stars out of 5 by the CMS:

  • Aetna Medicare: Aetna Medicare Choice, Aetna Medicare Credit, Aetna Medicare Eagle, Aetna Medicare Premier, Aetna Medicare Premier Plus, Aetna Medicare Select, Aetna Medicare Value.

  • Devoted Health: Devoted Health Core, Devoted Health Core Broward, Devoted Health Core Greater Jacksonville, Devoted Health Core Greater Orlando, Devoted Health Core Greater Tampa Bay, Devoted Health Core Manatee, Devoted Health Core Miami-Dade, Devoted Health Core Palm Beach, Devoted Health Essentials, Devoted Health Essentials Broward, Devoted Health Essentials Greater Jacksonville, Devoted Health Essentials Greater Orlando, Devoted Health Essentials Greater Tampa Bay, Devoted Health Essentials Manatee, Devoted Health Essentials Miami-Dade, Devoted Health Essentials Palm Beach, Devoted Health Essentials Polk, Devoted Health Prime, Devoted Health Prime Greater Jacksonville, Devoted Health Prime Manatee, Devoted Health Prime South Florida.

  • Florida Blue HMO: BlueMedicare Classic, BlueMedicare Classic Plus, BlueMedicare Premier, BlueMedicare Saver, FHCP Medicare Flagler Advantage, FHCP Medicare Premier Advantage, FHCP Medicare Premier Plus, FHCP Medicare Rx, FHCP Medicare Rx Plus, FHCP Medicare Rx Savings, FHCP Medicare Valor.

  • Freedom Health: Freedom Medicare Plan Rx, Freedom Platinum Plan Rx, Freedom Platinum Plus Plan Rx, Freedom Platinum Rewards Plan Rx, Freedom Savings Plan.

  • Humana: Humana Community, Humana Gold Plus, Humana Honor (select counties).

  • Simply Healthcare Plans: Simply Extra, Simply More.

  • UnitedHealthcare: AARP Medicare Advantage, AARP Medicare Advantage Focus, AARP Medicare Advantage Plan 2, Preferred Choice Broward, Preferred Choice Dade, Preferred Choice Palm Beach, UnitedHealthcare The Villages Medicare Advantage.

  • Wellcare: Wellcare Giveback, Wellcare No Premium.

This list doesn’t include special needs plans, which restrict membership to people with certain diseases or characteristics, such as having a chronic illness or living in a nursing home.

How to choose a Medicare Advantage plan

It’s crucial to ask a few questions as you’re shopping for the right plan. Here’s a quick checklist to help you consider your options:

  • How much are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

  • Is your doctor in-network? If you have a preferred doctor (or doctors) or hospital, make sure they participate in the plan’s network.

  • Are your prescriptions covered? If you’re on medication, understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

  • Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

  • Are there extras? Does the plan offer any additional perks, such as fitness memberships, transportation benefits or meal delivery?

You can use Medicare’s plan finding tool to compare plans in your area.

Medicare Advantage providers

Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.

If you have additional questions about Medicare, visit or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Looking for more insurance in Florida? Check out these resources:

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