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Medicare Advantage Plans in Florida

More than 4.6 million folks in Florida are signed up for Medicare, making it the second-largest U.S. state for Medicare beneficiaries.

Medicare is the federal government well being care program for folks age 65 and older. Medicare Advantage is an all-in-one different to Medicare that gives all the identical advantages and normally some extras, akin to dental and imaginative and prescient protection.

Medicare Advantage plans supply extra advantages than Original Medicare, and they’re typically cheaper than paying for Medicare and a Medicare Supplement plan. However, they provide much less flexibility because you’ll must get care from throughout the plan’s community of suppliers. Weigh your choices to find out what plan most closely fits your wants.

What to find out about Medicare in Florida

With a big proportion of the inhabitants over 65, Florida presents all kinds of Medicare and Medicare Advantage plans.

  • The common month-to-month premium in 2021 for a Medicare Advantage plan in Florida is $8.28.

  • There are 527 Medicare Advantage plans obtainable in Florida in 2021. (This is up from 474 plans in 2020.)

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

Medicare Advantage suppliers in Florida

The following suppliers supply Medicare Advantage plans in Florida:

  • Doctors HealthCare Plans.

  • Health First Health Plans.

Top-rated Medicare Advantage plans in Florida

5-star plans

The plans under are all rated 5 stars out of 5 by the Centers for Medicare & Medicaid Services, or CMS. (Get extra details about Medicare star rankings.)

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

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

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

  • UnitedHealthcare: Erickson Advantage Freedom, Erickson Advantage Liberty with Drugs, Erickson Advantage Liberty with out Drugs, Erickson Advantage Signature with Drugs.

4.5-star plans

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

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

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

  • Humana: Humana Gold Plus, Humana Honor.

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

How to decide on a Medicare Advantage plan

It’s essential to ask just a few questions as you’re looking for the suitable plan. Here’s a fast guidelines that can assist you contemplate your choices:

  • How a lot are the plan’s prices? Do you perceive what the plan’s premium, deductibles, copays and/or coinsurance can be? Can you afford them?

  • Is your physician in-network? If you may have a most well-liked physician (or docs) or hospital, be sure that they take part in the plan’s community.

  • Are your prescriptions lined? If you’re on remedy, perceive how the plan covers it. What tier are your pharmaceuticals on, and are there any protection guidelines that apply to them?

  • Is there dental protection? Does the plan supply routine protection for imaginative and prescient, dental and listening to wants?

  • Are there extras? Does the plan supply any extra perks, akin to health memberships, transportation advantages or meal supply?

Medicare Advantage suppliers

Get extra details about among the main Medicare Advantage suppliers right here:

If you may have extra questions on Medicare, go to Medicare.gov or name 800-MEDICARE (800-633-4227, TTY 877-486-2048).

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