Millions of Florida residents have replaced their Original Medicare coverage with private Florida Medicare Advantage plans. There are 428,986 enrollees in Orlando alone.

Before you enroll in a Florida Medicare Advantage plan, it’s essential to understand what Medicare Advantage coverage is and what types of plans are available.

Florida Medicare Advantage plans for 2024

Florida Medicare Advantage plans allow you to receive all your benefits from one comprehensive plan, from medical and drug coverage to vision, hearing, and dental.

Unlike Original Medicare, private insurance providers pay for Medicare Advantage insurance, so many plans are available around Florida.

Each Medicare Advantage plan is different and offers different benefits. For example, only some plans include drug coverage, which is very important to beneficiaries with high medication costs.

Depending on the Florida county you live in, there could be anywhere from 8 to 65 plans, with an average of 39 available.

Best Medicare Advantage plans in Florida

It’s important to note that because the government does not pay for Medicare Advantage plans, there are no federally-mandated standards for these plans. Each Florida zip code will have slightly different information.

Below, we have listed many available Florida Medicare Advantage plans using a single Florida zip code. Information for your specific area may differ slightly.

The plans below are sorted by those with zero-dollar premiums, zero-dollar drug deductibles, five-star ratings, and Part B reductions.

Medicare Advantage plans with a zero-dollar premium in Florida

Florida Medicare Advantage plans are offered with zero-dollar premiums. However, higher copays and increased maximum out-of-pocket (MOOP) limits may offset these costs.

The Devoted Health (HMO) plan listed below is an excellent example with a zero-dollar premium and a low MOOP limit of $1,900.

The next plan with the lowest MOOP limit is a four-star Aetna (HMO) plan at $3,450.

The next most affordable plans are Local PPO plans from UnitedHealthcare and Florida Blue, with MOOP limits of $5,500.

Aetna $0 $3,450 HMO 4
UnitedHealthcare $0 $5,500 Local PPO 4
Florida Blue $0 $5,500 Local PPO 4
Molina Healthcare $0 $7,550 HMO 3
Devoted Health $0 $1,900 HMO 4

Medicare Advantage plans with a zero-dollar drug deductible in Florida

Taking a few medications may consider a Medicare Advantage plan with a zero-dollar drug deductible.

Wellcare offers an attractive HMO plan that rates four stars and has a MOOP limit of only $1,200.

Careplus Health Plans and Baycare Health Plans offer five-star HMO plans with zero-dollar deductibles. The Careplus (HMO) plan has a MOOP limit of $1,900.

The Baycare (HMO) plan has a $4,500 MOOP limit.

UnitedHealthcare $0 $3,400 HMO-POS 4
Cigna $0 $5,650 Local PPO 3
Baycare Health Plans $0 $4,500 HMO 5
Wellcare $0 $1,200 HMO 4
Careplus Health Plans $0 $1,900 HMO 5

Medicare Advantage plans with a 5-star Rating in Florida

All Florida Medicare Advantage plans receive a rating between one and five stars, with five being the highest. The higher the rating, the better the plan is perceived to be.

You may already have Medicare Advantage coverage but choose to change it during a Special Enrollment Period if a five-star plan becomes available in your area.

Optimum Platinum (HMO) is a popular five-star plan with an affordable MOOP limit of only $1,200.

Another option is a five-star Careplus Health Plans (HMO) offer with a $1,900 MOOP limit.

A second five-star option from Careplus Health Plans is an HMO with a higher MOOP limit of $3,400.

Baycare Health Plans $0 $4,500 HMO 5
Cigna $0 $3,650 HMO 5
Optimum Platinum $0 $1,200 HMO 5
Careplus Health Plans $0 $1,900 HMO 5
Careplus Health Plans $0 $3,400 HMO 5

Medicare Advantage plans with a Part B reduction in Florida

Medicare Part B includes monthly fees, but the right Medicare Advantage Plan can reduce these costs. If enrolled in Medicare Part B, consider Medicare Advantage plans with included Part B reductions.

Humana offers a popular four-star plan with a $145 Part B reduction and a low $1,900 MOOP limit.

Another four-star option is Aetna, with a $3,450 MOOP limit and a $125 Part B reduction.

BayCarePlus Rewards offers a five-star rated plan with a $113 Part B reduction and a higher MOOP limit of $4,500.

Note that the numbers listed here are subject to change depending on the beneficiary’s Florida zip code. Part B reductions may not be available in all areas.

Aetna $0 $3,450 $125.00 4
Florida Blue $0 $5,500 $50.00 4
Florida Blue HMO $0 $6,700 $75.00 4
Humana $0 $1,900 $145.00 4
BayCarePlus Rewards $0 $4,500 $113.00 5


Florida Medicare Advantage plans differ from Medicare Supplements like Medigap. While there are advantages and disadvantages to Medigap and Medicare Advantage coverage, Medicare Advantage plans often offer ancillary coverage for basic needs not covered by Original Medicare, such as vision, hearing, dental, and prescription drugs.

Cities with estimated premiums for supplemental Medicare plans

There are estimated premiums for Medigap coverage in each unique area throughout Florida. The following cities’ estimates are:


What is the best Medicare Advantage plan in Florida?

If you are looking for a Medicare Part C plan in Florida with a low MOOP and a five-star rating, find out if Careplus Health Plans are available in your area. Careplus Health offers an HMO plan with one of the lowest MOOPs listed above at only $1,900.

What is better in Florida: Original Medicare or Medicare Advantage?

Whether Original Medicare or Medicare Advantage is right depends on your situation and preferences. Medicare Advantage offers coverage that Original Medicare does not, such as vision, dental, and hearing. These plans also place maximum out-of-pocket limits that Original plans don’t have.

Original Medicare allows you to visit any doctor or hospital that accepts Medicare. In contrast, Medicare Advantage plans are often network-based, meaning you must visit a doctor within the network.

How to enroll in a Florida Medicare Advantage plan

If you’re unsure which plan is right, let us help you compare the Florida Medicare Advantage plans available in your area for free. We’ll provide a free rate quote when you complete our online form.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.