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
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| 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
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| 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.
