Best Medicare Advantage Plans in Florida
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More than 4.8 million people in Florida are signed up for Medicare, making it the second-largest state for Medicare beneficiaries.
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.
What to know about Medicare in Florida
About 1 in 5 people in the state 65 or older, and there are a variety of Medicare Advantage plans in Florida.
The average monthly premium in 2023 for a Medicare Advantage plan in Florida is $9.41 (up from $8.86 in 2022).
There are 627 Medicare Advantage plans available in Florida in 2023 (up from 583 plans in 2022).
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:
Alignment Health Plan.
Ascension Complete.
AvMed Medicare.
BayCare Health Plans.
Bright Health.
Capital Health Plan.
CarePlus Health Plans.
Devoted Health.
Doctors HealthCare Plans.
Freedom Health.
Health First Health Plans.
HealthSun Health Plans.
Lasso Healthcare.
Leon Health Plans.
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 providers with at least one plan that received top marks in Florida for the 2023 plan year. (Check out more information about Medicare star ratings.)
5-star plan providers
These providers offer plans in Florida that are rated 5 stars out of 5 by the CMS:
HealthSun Health Plans.
Optimum HealthCare.
UnitedHealthcare.
4.5-star plan providers
These providers offer plans in Florida that are rated 4.5 stars out of 5 by the CMS:
BayCare Health Plans.
Capital Health Plan.
Cigna.
Devoted Health.
Freedom Health.
Humana.
Simply Healthcare Plans.
UnitedHealthcare.
Medicare resources in Florida
SHINE: The Serving Health Insurance Needs of Elders program offers information on health insurance and free counseling to Florida Medicare beneficiaries and anyone assisting them.
Florida Office of Insurance Regulation: For questions about insurance or insurance agents.
ACCESS (Florida Medicaid Program): For questions about eligibility or Medicaid benefits.
Florida Consumer Assistance: A list of resources from the Centers for Medicare & Medicaid Services.
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.
Looking for more insurance in Florida? Check out these resources:
