In Orlando, Florida, 850,056 people are beneficiaries of Medicare. Consistent with the national average, 54.6% are female, and 45.4% are male. Of the total number of recipients. 49.5% participate on a Fee For Service (FFS) basis, and 50.5% participate in Medicare Advantage.

Medicare plans in Orlando, Florida

The following section summarizes the plans and rates available to Orlando, Florida, residents, between 65 and 70 years old.

Medicare Advantage plans

The over 850,000 Medicare (Orlando, FL) beneficiaries can participate in an average of 39 Florida Medicare Advantage plans, a record high. Prescription drug coverage is part of the coverage for 31 of those plans.

Three plans in Orlando, FL (Florida Blue HMO, Bright Health, and Molina Healthcare) have $0 premiums. Bright Health, an HMO, has the lowest Maximum Out-Of-Pocket (MOOP) limit ($2,500). However, the Bright Health plan does not have a star rating.

Molina Healthcare has the highest MOOP of $7,550. It has a 3-star rating out of 5. Like Bright Health, Molina Healthcare is an HMO plan.

The plan with the highest (5-star) rating is Cigna. It has a premium of $23.60 and a MOOP of $3,500. It’s also an HMO plan.

The average cost of Medicare Advantage plans in Orlando, Florida

PLAN PREMIUM MOOP Plan Type Star Rating
Florida Blue HMO $0 $3,400 HMO 4
Bright Health $0 $2,500 HMO n/a
Molina Healthcare $0 $7,550 HMO 3
Humana $8 $7,550 Regional PPO 3
Cigna $23.60 $3,500 HMO 5

See our Part C FAQ for more information.

Medicare Supplement plans

Medicare does not cover all health care costs. Florida Medicare Supplement plans help fill the gaps in Original Medicare coverage with some limitations and charge a monthly premium. The Medicare Supplement plans have the same coverage in Orlando as in other parts of the country. But some plans have higher premiums than others.

If paying a monthly premium is a challenge, consider the HDG and HDF plans. With premiums ranging from $51.00 to $94.00, they are the most affordable Medicare Supplement plans on the list. Plan K is also reasonable, with premiums ranging from $60.65 to $120.56.

Plan F is the most expensive plan but also the most popular. Its premiums range from $182.13 to $249.73. Plan C is a close second, with premiums ranging from $185.66 to $249.22.

Plan G is an alternative to Plan F that includes a deductible. However, its monthly premium costs or lower. If you enroll in Plan G, you can expect your monthly premium to be between $170.40 and $218.43.

The average cost of Medicare Supplement plans in Orlando, Florida

PLAN A $134.44 $196.08
PLAN B $167.77 $218.00
PLAN C $185.66 $249.22
PLAN D $196.18 $230.00
PLAN F $182.13 $249.73
PLAN HDF $51.00 $94.44
PLAN G $170.40 $218.43
PLAN HDG $51.00 $94.44
PLAN K $60.65 $120.56
PLAN L $123.61 $177.89
PLAN M $183.60 $200.31
PLAN N $123.62 $182.00

Medicare Part D prescription drug plans

Florida Medicare Part D plans cover the cost of prescription drugs that aren’t covered by Medicare alone or Medigap plans. Note that some Medicare Advantage plans cover prescription drugs.

The Aetna plan is a good bet to save money on Medicare premiums. Its monthly premium is $7.70. The deductible is $480, and it has a 3-star rating.

Humana’s plan has a 4-star rating. It has a $22.70 premium and a $480 deductible. There is a $0 deductible for Tier 1 and Tier 2 drugs.

United Health Care offers another 4-star plan. Its premium is a bit higher ($29.30). However, it has a lower deductible ($310).

The average cost of Medicare Part D plans in Orlando, Florida

Aetna $7.70 $480 3
Humana $22.70 $480 4
UnitedHealthcare $29.30 $310 4
Cigna $30.20 $480 3
Mutual of Omaha $35.20 $480 3

Special Needs plans

The Medicare Special Needs Plans cover individuals of any age eligible for Medicare due to a disability or other special needs. Some areas don’t have access to Medicare special needs coverage.

Optimum Healthcare’s plan has the lowest MOOP ($500) available plans. It’s a dual-eligible plan for eligible beneficiaries of Medicare and Medicaid. The program is an HMO.

Each of the available plans has a $0 premium. Solis Health Plans offers a Dual-Eligible program. It has a MOOP of $3,450 and is an HMO plan.

The average cost of Medicare Special Needs plans in Orlando, Florida

PLANcnn PREMIUM MOOP Plan Type Eligibility
Humana $0 $3,400 HMO Chronic or Disabling
Simply Healthcare $0 $3,450 HMO Chronic or Disabling
Solis Health Plans $0 $3,400 HMO Dual-Eligible
Optimum Healthcare $0 $500 HMO Dual-Eligible
Florida Blue $0 $2,500 HMO Dual-Eligible

How to sign up for Medicare plans in Orlando, Florida

To get up-to-date rates for affordable Medicare supplemental plans, give us a call or complete our online form. Our helpful and informative customer service representatives will guide you through each process step.

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.