There are 564,653 Medicare beneficiaries enrolled in either an Original Medicare plan in Miami, Floria, or a Medicare Advantage plan. When broken down, there are more enrollees in the Medicare Advantage plan with 405,217 individuals, versus the Original Medicare plan with 159,436 individuals. Below, we detail what supplemental plans are available for Medicare in Miami, Florida.

Miami, Florida Supplemental Medicare Plans

Many Medicare beneficiaries benefit from enrolling in a Florida Supplemental Medicare plan that can help them cover additional costs.

Beneficiaries can enroll in a Medigap or Medicare Advantage plan that will supplement Part A & Part B. 44% of males 70 years or older chose to participate versus 55% of females 70 years or older.

Medicare Advantage Plans in Miami, Florida

It’s recorded that 405,217 beneficiaries in Miami decided to enroll in a Florida Medicare Advantage plan. There are many Medicare Advantage plans to choose from, and the total number of programs available in Miami-Dade is 58.

HealthSun (HMO) has a zero-dollar monthly premium, a maximum out-of-pocket (MOOP) rate of $1,500, and a five-star rating. This plan comes with a zero-dollar copay for most services.

Another supplemental Medicare in Miami, Florida, plan residents can choose is Humana (Regional PPO). This plan has a monthly premium of $8.00, a MOOP rate of $7,550, and a five-star rating. There’s a zero-dollar copay to see a primary care provider but a $10 to see a specialist.

Residents can also choose Careplus (HMO). This plan has a $19.20 monthly premium, a MOOP rate of $1,500, and a five-star rating, and it carries a copay range of $0 to $25 for specialist doctor visits and $0 to $140 copays for outpatient medical services.

PLAN PREMIUM MOOP Plan Type Star Rating
UnitedHealthcare $0 $3,400 Local PPO 4
Healthsun $0 $1,500 HMO 5
Molina $0 $7,550 HMO 3
Humana $8.00 $7,550 Regional PPO 3
Careplus $19.20 $1,500 HMO 5

Medicare Supplement Plans in Miami, Florida

Medigap/Medicare Supplement plans cover expenses a patient would otherwise have to pay out-of-pocket. Since the government standardizes these Florida Original Medicare plans, the benefits don’t change from state to state or carrier to carrier. The only thing that changes are the monthly premiums.

One of the most popular plans is Medigap Plan G. It has a premium range of $219.78 – $353.25. Many patients choose this plan because you only have to pay a Part B deductible.

You can also choose Medigap Plan N for a plan with lower monthly premiums. Under this plan, there’s a premium range of $169.99 – $269.52. Besides lower monthly premiums, the main distinction between this plan and Medigap Plan G is that with Medigap Plan N, you have to pay a $20 copay at the doctors and a $50 copay for the emergency room.

Another plan is High-Deductible Plan G. The benefits are the same as Plan G but with a monthly deductible. The monthly premium cost ranges from $61.00 to $145.40.

PLAN A $181.00 $318.00
PLAN B $238.00 $285.92
PLAN C $270.75 $341.42
PLAN D $267.84 $281.10
PLAN F $271.66 $414.02
PLAN HDF $61.00 $145.40
PLAN G $219.78 $353.25
PLAN HDG $61.00 $128.74
PLAN K $86.99 $164.34
PLAN L $171.26 $242.48
PLAN M $260.60 $273.08
PLAN N $169.99 $269.52

Medicare Part D in Miami, Florida

Not all Medicare Advantage plans cover prescriptions, while no Medigap plans. That’s why it’s crucial to enroll in a stand-alone Florida Part D plan.

A plan with Aetna will cost around $7.70 per month with a $480 deductible. A Humana plan will cost you $22.70 monthly with a $480 deductible. Finally, a program with Unitedhealthcare will cost a monthly premium of $29.30 with a deductible of $310.

Aetna $7.70 $480 3
Wellcare $12.00 $480 3
Clear Spring $19.70 $480 2
Humana $22.70 $480 4
UnitedHealthcare $29.30 $310 4

Medicare Special Needs Plans in Miami, Florida

Special Needs Plans (SNPs) are a subset of Medicare Advantage plans for patients with special needs and chronic disabilities. You can’t find these plans in all areas.

One plan patients can choose Ascension Complete (HMO), which has a $0 monthly premium, MOOP limit of $3,450, and dual-eligibility.

Or patients can opt for Wellcare (HMO), which also has a $0 monthly premium, dual-eligibility, and a lower MOOP rate of $3,400. Lastly, Unitedhealthcare (Regional PPO) has a premium of $31.50, a MOOP rate of $7,550, and dual-eligibility.

PLAN PREMIUM MOOP Plan Type Eligibility
Ascension Complete $0 $3,450 HMO Dual-Eligible
Wellcare $0 $3,400 HMO Dual-Eligible
Humana $0 $3,400 HMO Chronic or Disabling
Humana $20.80 $3,400 HMO Dual-Eligible
UnitedHealthcare $31.50 $7,550 Regional PPO Dual-Eligible


Is Medicare more expensive in Florida?

Medicare is more expensive in Florida than in other regions, particularly Miami. One reason is a higher percentage of beneficiaries living in the state. This forces insurance carriers to charge higher premiums for Medicare Supplement plans. However, Medicare Advantage plans in the area are really strong and many have a $0 premium with plenty of additional benefits.

Who is eligible for Medicare in Miami, Florida?

There are a few requirements to receive Medicare in Miami. You must be a US citizen or permanent legal resident who has lived in the US for more than five years. You also have to demonstrate the need for health care/insurance assistance, be 65 years or older, have specific disabilities like blindness, be pregnant, or have children 18 years or younger.

What is the income limit for Medicare in Florida?

There is no income limit to qualify for Medicare. Most beneficiaries will receive Medicare Part A at no cost and pay a standard Part B premium. However, high-income beneficiaries may be subject to an Income Related Monthly Adjustment Amount or IRMAA.

How to Sign Up for Supplemental Medicare in Miami

When you want to enroll in Medigap, Plan D, or Medicare Advantage, our qualified and licensed agents are here to assist. After collecting information about the supplemental plans for Medicare in Miami, Florida, that will meet your healthcare needs.

We can help you decide on a plan. Call us today or complete our form to get rates!

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.