Florida Medicare Advantage plans offer an alternative way to receive your Medicare benefits through private insurance companies approved by Medicare. This comprehensive Florida Medicare Advantage guide covers available plan types, top carriers, star ratings, costs, enrollment periods, and how to decide whether Medicare Advantage or Original Medicare with Medigap is right for you. Whether you are turning 65, exploring options during Annual Enrollment, or helping a parent compare plans, understanding the Florida Medicare Advantage landscape helps you make the best decision.
All information verified against CMS data as of April 2026.
In This Florida Medicare Advantage Guide:
Florida Medicare Advantage Market Overview
| Total MA Plans Available | 611 |
| Total Medicare Beneficiaries | 5112499 |
| Enrolled in MA | 3067500 |
| MA Penetration Rate | 60% |
| Most Common Plan Type | HMO |
Medicare Advantage Plan Types in Florida
Medicare Advantage plans in Florida come in several types:
- HMO (Health Maintenance Organization): Requires using in-network providers except in emergencies. Usually lower premiums. Often requires referrals to see specialists.
- PPO (Preferred Provider Organization): Allows out-of-network care at higher cost. No referrals needed for specialists. More flexibility but typically higher premiums.
- PFFS (Private Fee-for-Service): You can see any Medicare-approved provider that accepts the plan’s payment terms. Less common.
- SNP (Special Needs Plans): Designed for specific populations — dual-eligible, chronic conditions, or institutional care.
HMO plans are the most common type of Medicare Advantage plan in Florida.
Rural access note: Some rural counties in Florida may have limited Medicare Advantage plan choices. If you live in a rural area with few MA options, Original Medicare with a Medigap supplement may provide broader provider access.
Top Medicare Advantage Carriers in Florida
Top Medicare Advantage carriers in Florida by enrollment:
- Humana
- UnitedHealthcare
- CVS/Aetna
- Florida Blue (GuideWell Health)
- Wellcare/Centene
Humana has the largest Medicare Advantage enrollment in Florida.
Florida Medicare Advantage Costs
The average monthly premium for Medicare Advantage plans in Florida is approximately 2.11.
Many Florida MA plans offer $0 monthly premiums (you still pay your Part B premium).
The average Maximum Out-of-Pocket (MOOP) for MA plans in Florida is approximately $5,950. This is the most you would pay in a year for covered services — a critical protection that Original Medicare does not offer.
CMS Star Ratings in Florida
The average CMS star rating for Medicare Advantage plans in Florida is 3.66 out of 5. Devoted Health has the highest-rated plans in Florida. Plans with 4 or more stars qualify for bonus payments from CMS, often resulting in richer benefits for members.
Extra Benefits Beyond Original Medicare
Most Medicare Advantage plans in Florida include benefits that Original Medicare does not cover:
- Dental, vision, and hearing: Most MA plans in Florida include dental cleanings, eye exams, and hearing aids.
- Prescription drug coverage (Part D): MOST Medicare Advantage plans in Florida include integrated Part D drug coverage.
- Fitness programs: Many plans include SilverSneakers or similar gym memberships.
- Transportation: Some plans cover rides to medical appointments.
- Meal delivery: Some plans provide meal delivery after hospital discharge.
- Over-the-counter allowance: Many plans provide quarterly OTC benefit cards for health supplies.
Special Needs Plans (SNPs) in Florida
Special Needs Plans are available in Florida for beneficiaries with specific health conditions or circumstances:
- D-SNP (Dual-Eligible): For people who qualify for both Medicare and Medicaid.
- C-SNP (Chronic Condition): For people with specific chronic conditions such as diabetes, heart failure, or ESRD.
- I-SNP (Institutional): For people living in nursing facilities or requiring an institutional level of care.
SNPs provide coordinated care tailored to your specific needs. Contact your local SHIP office to determine if a SNP is right for you.
Medicare Advantage vs Original Medicare in Florida
| Feature | Medicare Advantage | Original Medicare + Medigap |
|---|---|---|
| Monthly Premium | Often $0 (+ Part B premium) | Part B + Medigap ($100-300+/mo) |
| Out-of-Pocket Max | Yes (MOOP cap) | No cap on Original Medicare |
| Provider Network | Network required (HMO) or preferred (PPO) | Any Medicare-accepting provider nationwide |
| Drug Coverage | Usually included | Separate Part D plan needed |
| Extra Benefits | Dental, vision, hearing, fitness often included | Not included |
| Best For | Budget-conscious, healthy, urban areas | Frequent travelers, rural areas, chronic conditions |
Additional Florida Medicare Advantage regulations: Florida guarantees Medigap access to Medicare beneficiaries under age 65 (6-month open enrollment window upon Part B enrollment since 2009); all Medigap plans are issue-age rated; no state-specific MA enrollment rules beyond federal CMS requirements; Florida has no state income tax which affects retiree Medicare cost calculations
Florida Medicare Advantage Enrollment Periods
- Initial Enrollment Period (IEP): 7-month window around your 65th birthday. You can join an MA plan during this period.
- Annual Enrollment Period (AEP): October 15 through December 7. Switch between MA plans or return to Original Medicare.
- Medicare Advantage Open Enrollment Period (OEP): January 1 through March 31. Switch MA plans or drop MA and return to Original Medicare (and add a Part D plan).
- Special Enrollment Periods (SEP): Available for qualifying life events such as moving, losing employer coverage, or qualifying for Medicaid.
Compare Florida Medicare Advantage Plans
Ready to compare Medicare Advantage plans in Florida? The official Medicare Plan Finder lets you compare plans by cost, star rating, drug coverage, and extra benefits in your zip code.
Official Sources & Resources
- Medicare.gov Plan Finder: medicare.gov/plan-compare
- CMS Medicare Advantage Data: cms.gov
- Florida Office of Insurance Regulation (FLOIR): https://floir.gov
- KFF Medicare Advantage Data: kff.org
Last verified April 2026. Contact us if you notice outdated information.