Best Medicare Advantage Plans in Florida 2024

Nearly two dozen providers sell Medicare Advantage plans in Florida. Find out which ones are the top performers.
Kate Ashford, CSA®
By Kate Ashford, CSA® 
Updated
Edited by Holly Carey

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More than 4.9 million people in Florida are signed up for Medicare, making it the second-largest state for Medicare beneficiaries

Centers for Medicare & Medicaid Services. Fact Sheet. Accessed Oct 29, 2023.
.

Medicare is the federal health insurance program for people 65 and older. Medicare Advantage, sold by private insurance companies, is a bundled alternative to Medicare that offers 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 plans, and they're often cheaper than paying for Medicare and a Medicare Supplement Insurance plan, or Medigap. However, they offer less flexibility because 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.

Compare Medicare Advantage plans in Florida

Insurance company
CMS Star Rating
States available
Members in high-rated plans
Member experience
Learn more
Best for size of network
UnitedHealthcare Medicare Advantage - Chapter

UnitedHealthcare

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(800) 215-3128
3.87
3.87 /5
49 states and Washington, D.C.Medium (50% to 89%)3.12 (Average)

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

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from askchapter.org

Best for extra perks
Aetna Medicare Advantage

Aetna

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(800) 215-3128
3.98
3.98 /5
46 states and Washington, D.C.Medium (50% to 89%)3.79 (Above average)

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

GET A QUOTE

from askchapter.org

Best for local support
Blue Cross Blue Shield Medicare Advantage

Blue Cross Blue Shield

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(800) 215-3128
3.86
3.86 /5
48 states and Puerto RicoMedium (50% to 89%)3.39 (Above average)

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

GET A QUOTE

from askchapter.org

Best for low-cost plan availability
Humana Medicare Advantage

Humana

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(800) 215-3128
4.34
4.34 /5
49 states, Washington, D.C., and Puerto RicoHigh (90% or more)3.97 (Above average)

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

GET A QUOTE

from askchapter.org

What to know about Medicare in Florida

About 1 in 5 people in the state are 65 or older, and there are a variety of Medicare Advantage plans in Florida

U.S. Census Bureau. QuickFacts, Florida. Accessed Oct 29, 2023.
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  • The average monthly premium in 2024 for a Medicare Advantage plan in Florida is $10.38 (up from $9.59 in 2023).

  • There are 613 Medicare Advantage plans available in Florida in 2024 (down from 616 plans in 2023).

  • 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:

Top-rated Medicare Advantage plans in Florida

Each year, the Centers for Medicare & Medicaid Services (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 providers with at least one plan that received top marks in Florida for the 2024 plan year

Centers for Medicare & Medicaid Services. CY2024_Landscape_MA_20231005_(ZIP). Accessed Oct 29, 2023.
. (Check out more information about Medicare star ratings.)

5-star plan providers

The companies below offer plans in Florida that are rated 5 stars out of 5 by CMS:

  • Devoted Health.

  • Humana.

  • Leon Health Plans.

  • Optimum HealthCare.

  • Simply Healthcare Plans.

  • UnitedHealthcare.

4.5-star plan providers

The companies below offer plans in Florida that are rated 4.5 stars out of 5 by CMS:

  • BayCare Health Plans.

  • Capital Health Plan.

  • Cigna.

  • Freedom Health.

  • HealthSun Health Plans.

  • Humana.

  • UnitedHealthcare.

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.

Third-party ratings

In its 2023 U.S. Medicare Advantage Study — the ninth it's done so far — J.D. Power measured member satisfaction with Medicare Advantage plans based on eight factors ranging from level of trust to how well a provider resolves problems or complaints. The study was fielded in the five biggest Medicare markets: California, Florida, New York, Pennsylvania and Texas.

In Florida, these Medicare Advantage providers scored above the regional average (645 points) on measures of member satisfaction (based on a 1,000-point scale):

  • Humana (670 points).

  • UnitedHealthcare (653 points).

  • Aetna (647 points).

Medicare resources in Florida

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 companies

Get more information below about some of the major Medicare Advantage companies. These insurance companies 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 Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

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

Still deciding on the right carrier? Compare Medicare Advantage plans

Still deciding on the right carrier? Compare Medicare Advantage plans

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