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Medicare Advantage in Florida

Medicare Advantage allows you to receive your Medicare benefits much like you would with an employer-sponsored health plan. All your benefits come in a single policy, so you don't have to choose between the parts of Original Medicare and its add-ons.

There are 16 insurance companies selling Medicare Advantage plans in Florida.¹ In total, the state has 254 plans available,² but how many you have access to depends on where in Florida you live. Nearly half (43%) of Medicare recipients in Florida have Medicare Advantage.³

Medicare Advantage plan benefits

Medicare Advantage plans cover everything Original Medicare (Parts A and B) covers, but many Medicare Advantage plans in Florida pay for a lot more. These are a few of the most common extra benefits covered by Medicare Advantage plans:⁴

Prescription drug coverage
Eye exams and glasses
Dental coverage

Fitness programs
Hearing aids
Over-the-counter allowances

If you have a chronic illness in Florida, you may also be able to buy a Medicare Advantage plan that covers other services that could improve your well-being, such as meal delivery, non-medical transportation, home modifications, and air conditioners.⁵

Medicare Advantage plan costs in Florida

How much you’ll pay for a Medicare Advantage plan in Florida depends on the part of the state you live in and the plan you choose. But the average monthly premium for a Medicare Advantage plan in Florida is less than $15.


Average annual cost	$5,647.83
Average monthly premium	$13.81
Average drug deductible	$125.70
Annual max out-of-pocket	$5,356.40

Table created from data at https://www.healthmarkets.com/content/medicare-advantage-costs-index. Data as of 6/2/2020.

Medicare Advantage insurers in Florida

Here are some insurance providers that offer Medicare Advantage plans in Florida:

Aetna
Allwell
AvMed
Blue Cross Blue Shield
CarePlus
Cigna-HealthSpring
Devoted Health

HealthSun Health Plans
Humana
MMM of Florida
Optimum HealthCare
Simply Healthcare
SOLIS Health Plans
Wellcare

Top-rated Medicare Advantage providers

In Florida, the average Star Rating for Medicare Advantage plans is between 3.5 and 4. Three companies have top-rated (5-star) plans in Florida:⁶

Humana: Available in 18 Florida counties with 138,591 enrollees
Cigna-HealthSpring: Available in 17 counties with 48,112 enrollees
Anthem Blue Cross Blue Shield: Available in three counties with 48,646 enrollees

The Medicare Star Rating is used by the CMS to help beneficiaries find the right plan for them. Plans are rated on up to 45 quality and performance measurements, on a scale from 1 to 5, then averaged to form an overall star rating.⁷

Find the Medicare Advantage plan that fits you best

HMO
Low premiums
Must stay in-network
Must choose a primary care physician
Referral required to see a specialist

PPO
More expensive premiums
Can go out-of-network at a higher cost
May or may not choose a primary care physician
No referrals needed to see specialists

PFFS
May or may not have a network
In-network expenses lower than out-of-network
Accepted by any doctor who agrees to accept the plan
Requires written acceptance before each service for coverage

In Florida, there are more HMOs (207) than any other type. The state also has 40 local PPOs, six regional PPOs, and one PFFS plan. Which plans are available to you depends on where you reside.⁸

Local resources in Florida

SHINE: Florida’s Department of Elder Affairs provides Medicare counseling, plans community events, and financial assistance resources.
Florida Prescription Assistance Program: This free pharmacy-discount program is available to Florida residents.
Financial Assistance for Medicare Beneficiaries (FAMB): A breakdown of who qualifies for programs such as Medicare Savings Programs (MSPs) and Extra Help (a low-income subsidy for Part D).

Sources

1. Medicare, “Find a Medicare Plan”

2. Kaiser Family Foundation, “Medicare Advantage Plans, by Plan Type”

3. Kaiser Family Foundation, “A Dozen Facts about Medicare Advantage in 2020”

4. Kaiser Family Foundation, “A Dozen Facts about Medicare Advantage in 2020”

5. Avalere, “Medicare Advantage Beneficiaries Will Again See a Jump in Supplemental Benefit Offerings in 2020”

6. CMS.gov, “2019 Star Ratings Fact Sheet”

7. CMS.gov, “2019 Star Ratings Fact Sheet”

8. Kaiser Family Foundation, “Medicare Advantage Plans, by Plan Type”

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