Compare What Florida Medicare Plans Actually Include
We offer 13 Medicare Advantage plans across Florida from 9 carriers, and 8 carry no monthly plan premium. What separates them is what comes included — dental, vision, hearing, drug coverage, allowances, transportation, Part B giveback. Those benefits vary widely, and so does which plans you can enroll in, because Medicare approves them one county at a time.
Answer four questions and we'll shortlist your plans
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Most people are not worried about the premium. They are worried about losing their doctor, or finding out in January that a prescription moved to a higher tier.
No cost, no obligation. Medicare caps what an agent can be paid, and the carrier pays it whether you enroll with us or on your own. Your premium is exactly the same either way. We never sell your information, and you can ask us to stop contacting you at any time.
Three ways to shop
Shop by county
Medicare approves and prices these plans one county at a time. This is the only way to see exactly what you can enroll in where you live.
Find my countyShop by carrier
Same state, very different benefits and networks. Compare the nine carriers before narrowing to a plan.
Compare carriersLet us narrow it down
Four questions about your situation and what matters to you. Then we shortlist it — including telling you if the plan you already have is the better one.
Start the quiz
Carriers we work with in Florida
Each of these carriers has at least one Medicare Advantage plan we can enroll you in somewhere in Florida. Open a carrier to see its full plan list, star ratings, and service area.
Every Medicare Advantage plan we offer in Florida
All 13 plans we offer in Florida, sorted by CMS star rating and then premium. Open any plan for its full benefit detail. A low premium on its own tells you very little — two $0 plans can differ by thousands of dollars in what they actually cover.
Aetna Medicare Premier (HMO)
Aetna
- 4.5+ Star Rated
- Includes Dental
- Includes Drug Coverage
- Monthly premium
- $64 per month
- Plan type
- HMO
- CMS star rating
- 5.0 / 5
- Out-of-pocket max
- $3,900
- Drug coverage
- Included
Star rating published by Medicare
View plan detailsHumana Gold Plus (HMO)
Humana
- 4.5+ Star Rated
- $0 Premium
- Includes Dental
- Includes Drug Coverage
- Monthly premium
- $0 per month
- Plan type
- HMO
- CMS star rating
- 4.5 / 5
- Out-of-pocket max
- $4,900
- Drug coverage
- Included
Star rating published by Medicare
View plan detailsWellCare Dual Access (HMO D-SNP)
WellCare
- 4.5+ Star Rated
- $0 Premium
- Includes Dental
- Includes Drug Coverage
- Monthly premium
- $0 per month
- Plan type
- HMO D-SNP
- CMS star rating
- 4.5 / 5
- Out-of-pocket max
- $3,700
- Drug coverage
- Included
Star rating published by Medicare
View plan detailsAetna Medicare Eagle (PPO)
Aetna
- 4.5+ Star Rated
- Includes Dental
- Monthly premium
- $29 per month
- Plan type
- PPO
- CMS star rating
- 4.5 / 5
- Out-of-pocket max
- $6,700
- Drug coverage
- Not included
Star rating published by Medicare
View plan detailsAARP Medicare Advantage Choice (PPO)
UnitedHealthcare
- $0 Premium
- Includes Dental
- Includes Drug Coverage
- Monthly premium
- $0 per month
- Plan type
- PPO
- CMS star rating
- 4.0 / 5
- Out-of-pocket max
- $5,900
- Drug coverage
- Included
Star rating published by Medicare
View plan detailsCigna TotalCare (HMO D-SNP)
Cigna Healthcare
- $0 Premium
- Lowest Out-of-Pocket Max
- Includes Dental
- Includes Drug Coverage
- Monthly premium
- $0 per month
- Plan type
- HMO D-SNP
- CMS star rating
- 4.0 / 5
- Out-of-pocket max
- $3,400
- Drug coverage
- Included
Star rating published by Medicare
View plan detailsDevoted CORE Florida (HMO)
Devoted Health
- $0 Premium
- Includes Dental
- Includes Drug Coverage
- Monthly premium
- $0 per month
- Plan type
- HMO
- CMS star rating
- 4.0 / 5
- Out-of-pocket max
- $6,200
- Drug coverage
- Included
Star rating published by Medicare
View plan detailsHumana Choice Florida (PPO)
Humana
- $0 Premium
- Includes Dental
- Includes Drug Coverage
- Monthly premium
- $0 per month
- Plan type
- PPO
- CMS star rating
- 4.0 / 5
- Out-of-pocket max
- $7,100
- Drug coverage
- Included
Star rating published by Medicare
View plan detailsUnitedHealthcare Patriot (HMO-POS)
UnitedHealthcare
- $0 Premium
- Includes Dental
- Monthly premium
- $0 per month
- Plan type
- HMO-POS
- CMS star rating
- 4.0 / 5
- Out-of-pocket max
- $6,600
- Drug coverage
- Not included
Star rating published by Medicare
View plan detailsCarePlus Advantage Plus (HMO)
CarePlus Health Plans
- Includes Dental
- Includes Drug Coverage
- Monthly premium
- $42 per month
- Plan type
- HMO
- CMS star rating
- 4.0 / 5
- Out-of-pocket max
- $5,500
- Drug coverage
- Included
Star rating published by Medicare
View plan detailsBlueMedicare Complete (HMO)
Florida Blue
- $0 Premium
- Includes Dental
- Includes Drug Coverage
- Monthly premium
- $0 per month
- Plan type
- HMO
- CMS star rating
- 3.5 / 5
- Out-of-pocket max
- $5,200
- Drug coverage
- Included
Star rating published by Medicare
View plan detailsSimply Level (HMO)
Simply Healthcare
- Includes Dental
- Includes Drug Coverage
- Monthly premium
- $18 per month
- Plan type
- HMO
- CMS star rating
- 3.5 / 5
- Out-of-pocket max
- $6,900
- Drug coverage
- Included
Star rating published by Medicare
View plan detailsHumana Value (PFFS)
Humana
- Monthly premium
- $35 per month
- Plan type
- PFFS
- CMS star rating
- 3.5 / 5
- Out-of-pocket max
- $7,550
- Drug coverage
- Not included
Star rating published by Medicare
View plan details
Find plans in your county
Statewide availability is wider than what you can actually join. CMS approves each plan county by county, so the list you can actually enroll in is shorter than the one shown here. Two neighbors in different counties can see different plans, different premiums, and different provider networks at the same address type. Open your county page to see the exact plans, prices, and networks approved where you live.
Browse countiesReady to narrow this down with an agent?
Answer four questions and a licensed agent will call with the plans approved in your county, checked against your doctors and prescriptions.
Monday – Friday, 8:00 am – 8:00 pm ET · Saturday, 9:00 am – 5:00 pm ET
Comparing Medicare Advantage plans in Florida
Why do the plans available to me depend on my county?
CMS approves each Medicare Advantage plan for specific counties, and carriers price and staff their networks county by county. A plan sold in one Florida county may not be sold in the next one over, even a few miles away.
Should I shop by carrier or by plan?
Either is a reasonable starting point. Shopping by carrier is useful if you already have a network or extra benefit you care about; shopping by county is more accurate because it only shows plans you can actually enroll in from where you live.
What does the star rating sort actually tell me?
CMS rates plans on a five-point scale covering preventive care, member experience, customer service, and complaint handling. Sorting by star rating surfaces the highest-rated plans first, but it does not account for whether your own doctors and prescriptions are covered.
Is a $0 premium plan actually free?
No. A $0 monthly plan premium does not include your Medicare Part B premium, and you still pay copays and coinsurance as you use care, up to the plan's annual out-of-pocket maximum.
Does it cost anything to use the quiz or talk to an agent?
No. Licensed agents are paid by the insurance carriers, so there is never a fee to you for comparing plans, using the quiz, or enrolling.
Where to go next
- New to Medicare?Turning 65 walks through your Initial Enrollment Period and the basics before you shop.New to Medicare?
- Already enrolled?The Open Enrollment guide covers when and how to switch plans each year.Already enrolled?
- Compare carriersSee every carrier's plan count, star range, and service area side by side.Compare carriers