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The 2021 Medicare Advantage Plans in Indian River County FL.

2020 Indian River County Florida
Medicare Advantage Plans

There are 25 Medicare Advantage Plans available in Indian River County FL from 8 different health insurance providers. 11 of these Medicare Advantage plans offer additional gap coverage. The plan with the lowest out of pocket expense is $2500 and the highest out of pocket is $6700. Indian River County Florida residents can also pick from 16 Medicare Special Needs Plans. The highest rated plan available in Indian River County received a 5 overall star rating from CMS and the lowest rated plan is 3 stars

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Name ⇅ Premium Deductible MOOP Gap Plan
AARP Medicare Advantage (HMO-POS)
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$0 $0 $4,900 NoEnroll
AARP Medicare Advantage Choice (PPO)
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$0 $150.00 $4,900 NoEnroll
AARP Medicare Advantage Choice Plan 2 (Regional PPO)
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$0 $395.00 $6,700 NoEnroll
AARP Medicare Advantage Focus (HMO-POS)
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$0 $0 $3,900 NoEnroll
Aetna Medicare Premier (PPO)
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$0 $300.00 $6,700 YesEnroll
BlueMedicare Choice (Regional PPO)
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$47.90 $250.00 $6,500 YesEnroll
CareOne (HMO)
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$0 $0 $3,400 NoEnroll
Freedom Platinum Plan Rx (HMO)
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$0 $0 $3,000 YesEnroll
Health First Classic Plan (HMO-POS)
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$97.00 $0 $3,750 YesEnroll
Health First Rewards Plan (HMO)
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$0 $0 $5,500 NoEnroll
Health First Value Plan (HMO)
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$33.00 $0 $4,950 YesEnroll
Humana Gold Choice H8145-061 (PFFS)
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$116.00 $200.00 $- NoEnroll
HumanaChoice Florida H5216-062 (PPO)
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$0 $150.00 $5,000 NoEnroll
HumanaChoice R5826-005 (Regional PPO)
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$101.00 $100.00 $6,700 NoEnroll
HumanaChoice R5826-074 (Regional PPO)
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$0 $395.00 $6,700 NoEnroll
WellCare Dividend (HMO)
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$0 $0 $6,700 YesEnroll
WellCare Dividend Prime (HMO)
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$0 $0 $3,400 YesEnroll
WellCare Elite (HMO)
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$0 $0 $3,400 YesEnroll
WellCare Premier (PPO)
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$0 $175.00 $6,000 YesNAEnroll
WellCare Prime (PPO)
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$90.00 $0 $2,500 YesNAEnroll
WellCare Value (HMO-POS)
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$0 $0 $6,700 YesEnroll

Return to 2020 Medicare Advantage Plans in Florida

Medicare Advantage Health Plans Without Drug Coverage

Plan Name ⇅ Premium Type MOOP Overall
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AARP Medicare Advantage Choice Essential (Regional PPO)
$0 Regional PPO * $6,700 Enroll
Freedom Savings Plan (HMO)
$0 Local HMO * $3,400 Enroll
Health First Secure Plan (HMO)
$0 Local HMO * $3,000 Enroll
HumanaChoice R5826-018 (Regional PPO)
$0 Regional PPO * $6,700 Enroll

2020 Medicare Special Needs Plans in Indian River county Florida

Plan Name ⇅ Monthly
Part D
 Gap  Special Needs
CareNeeds (HMO D-SNP)     $15.00 $435.0  No Dual-Eligible
CareNeeds PLUS (HMO D-SNP)     $16.50 $335.0  No Dual-Eligible
Freedom Medi-Medi Full (HMO D-SNP)     $28.50 $435.0  No Dual-Eligible
Freedom Medi-Medi Partial (HMO D-SNP)     $28.50 $435.0  No Dual-Eligible
Freedom VIP Savings (HMO C-SNP)     $0 $0  Yes Chronic or Disabling Condition
Freedom VIP Savings COPD (HMO C-SNP)     $0 $0  Yes Chronic or Disabling Condition
Optimum Diamond Rewards (HMO C-SNP)     $0 $0  Yes Chronic or Disabling Condition
Optimum Diamond Rewards COPD (HMO C-SNP)     $0 $0  Yes Chronic or Disabling Condition
Optimum Emerald Full (HMO D-SNP)     $28.50 $435.0  No Dual-Eligible
Optimum Emerald Partial (HMO D-SNP)     $28.50 $435.0  No Dual-Eligible
UnitedHealthcare Dual Complete LP (HMO D-SNP)     $19.80 $435.0  No Dual-Eligible
UnitedHealthcare Dual Complete RP (Regional PPO D-SNP)     $28.10 $435.0  No Dual-Eligible
UnitedHealthcare Nursing Home Plan (PPO I-SNP)     $28.50 $435.0  No Institutional
WellCare Access (HMO D-SNP)     $24.20 $435.0  No Dual-Eligible
WellCare Liberty (HMO D-SNP)     $26.60 $435.0  No Dual-Eligible
WellCare Select (HMO D-SNP)     $22.00 $435.0  No Dual-Eligible

Plan Type Is the type of organization offering the Medicare Plans.

  • HMO - Health Maintenance Organization
  • PPO - Preferred Provider Organization
  • PDP - Prescription Drug Plan
  • SNP - Special Needs Plan
  • POS - Point of Service
  • PFFS - Private Fee For Service

Monthly Consolidated Premium (Includes Part C + D) Your premium may be lower depending on your eligibility for medical assistance. Call your provider for details.

Part D Total Premium: The Part D Total Premium is the sum of the Basic and Supplemental Premiums. Note: the Part D Total Premium is net of any Part A/B rebates applied to "buy down" the drug premium for Medicare Advantage; for some plans the total premium may be lower than the sum of the basic and supplemental premiums due to negative basic or supplemental premiums.

Benefit Type
  • (EA) Enhanced Alternative may offer additional gap coverage which is calculated as the percentage of generic formulary products with coverage above standard generic coverage gap cost-sharing benefit and/or the percentage of brand formulary products covered in addition to the coverage gap discount for applicable drugs.
  • (DS) Defined Standard Benefit
  • (BA) Basic Alternative
  • (AE) Actuarially Equivalent Standard


In 2020 once you and your plan provider have spent $4020 on covered drugs. (combined amount plus your deductible) You will be in the coverage gap. (AKA "donut hole") Once you reach the coverage gap you will pay 25% of the plans cost for covered brand-name prescription drugs and 25% on generic drugs unless your plan offers additional coverage.

Maximum Out-of-Pocket (MOOP) limit on enrollee spending that includes costs for all in-network Part A and Part B Services. NOT Part D - prescription drugs. N/A is defined as Not Applicable

Source: CMS. Data as of September 3, 2019.
Star Rating as of October 11, 2019.
For More Information on Ratings Please See the CMS Tech Notes.
Plans are subject to change as contracts are finalized.
Includes 2020 approved contracts. Employer sponsored 800 series and plans under sanction are excluded. For 2020, enhanced alternative may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part-D benefit.

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