Compare 2023 Florida Medicare Advantage Plans

Florida Medicare Advantage Plans (also known as Part-C) are offered by Medicare approved private insurance companies. There are several types of Medicare Advantage Plans available in FL, depending on your location. Some Florida MA plans may include additional benefits such as routine vision, hearing care and prescription drug coverage. Some plans may offer coverage for services like transportation to doctor visits, over-the-counter drugs that Part D doesn’t cover, and many services that promote your health and wellness. If you enroll in a Medicare Advantage Prescription Drug plan, you can get all your benefits in one plan. With any MA plan, you still must pay your monthly Part B premium along with any plan premium. To compare different plans available in Florida, click on your county below to see a list of available plans, what benefits it offers, its cost and if there are any limitations.

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Alachua MA Plans
Baker MA Plans
Bay MA Plans
Bradford MA Plans
Brevard MA Plans
Broward MA Plans
Calhoun MA Plans
Charlotte MA Plans
Citrus MA Plans
Clay MA Plans
Collier MA Plans
Columbia MA Plans
DeSoto MA Plans
Dixie MA Plans
Duval MA Plans
Escambia MA Plans
Flagler MA Plans
Franklin MA Plans
Gadsden MA Plans
Gilchrist MA Plans
Glades MA Plans
Gulf MA Plans
Hamilton MA Plans
Hardee MA Plans
Hendry MA Plans
Hernando MA Plans
Highlands MA Plans
Hillsborough MA Plans
Holmes MA Plans
Indian River MA Plans
Jackson MA Plans
Jefferson MA Plans
Lafayette MA Plans
Lake MA Plans
Lee MA Plans
Leon MA Plans
Levy MA Plans
Liberty MA Plans
Madison MA Plans
Manatee MA Plans
Marion MA Plans
Martin MA Plans
Miami Dade MA Plans
Monroe MA Plans
Nassau MA Plans
Okaloosa MA Plans
Okeechobee MA Plans
Orange MA Plans
Osceola MA Plans
Palm Beach MA Plans
Pasco MA Plans
Pinellas MA Plans
Polk MA Plans
Putnam MA Plans
Santa Rosa MA Plans
Sarasota MA Plans
Seminole MA Plans
St Johns MA Plans
St Lucie MA Plans
Sumter MA Plans
Suwannee MA Plans
Taylor MA Plans
Union MA Plans
Volusia MA Plans
Wakulla MA Plans
Walton MA Plans
Washington MA Plans

2023 Giveback Plans in Florida

The Medicare Giveback Benefit is a Part B premium reduction rebate provided by some Medicare Advantage plans in some areas of Florida. If you enroll in a Medicare Advantage plan with this benefit, some or all your monthly Part B premium will be covered by the plan carrier. The standard Part B monthly premium in 2023 is $164.90. The plan carrier will reduce this cost by “giving back” towards your Part B premium amount. The Part B Giveback is generally credited monthly to your Social Security checks.

*Some plans may be available only in certain regions in Florida
Plan Name Plan ID Provider Name Premium Give Back Amount
AARP Medicare Advantage Patriot (Regional PPO)
R0759-002 UnitedHealthcare $0 $50.00
Aetna Medicare Credit (HMO)
H1609-053 Aetna Medicare $0 $100.00
Aetna Medicare Eagle (HMO)
H1609-052 Aetna Medicare $0 $60.00
Ascension Complete Florida Reward (HMO)
H8225-001 Ascension Complete $0 $100.00
AvMed Medicare Premium Saver (HMO)
H1016-028 AvMed Medicare $0 $100.00
BayCarePlus Rewards (HMO)
H2235-002 BayCare Health Plans $0 $113.00
BlueMedicare Patriot (PPO)
H5434-040 Florida Blue $0 $50.00
BlueMedicare Saver (HMO)
H1035-035 Florida Blue HMO $0 $75.00
Bright Advantage Part B Savings Plan (HMO)
H4709-032 Bright Health $0 $130.00
Bright Advantage Part B Savings Plan (PPO)
H3281-010 Bright Health $0 $110.00
Capital Health Plan Silver Advantage (HMO)
H5938-008 Capital Health Plan $0 $33.00
CareFree (HMO)
H1019-065 CarePlus Health Plans, Inc. $0 $100.00
CareFree Platinum (HMO)
H1019-094 CarePlus Health Plans, Inc. $0 $100.00
CareSalute (HMO)
H1019-119 CarePlus Health Plans, Inc. $0 $144.00
Cigna Courage Medicare (HMO)
H5410-004 Cigna $0 $60.00
Cigna Preferred Savings Medicare (HMO)
H5410-028 Cigna $0 $84.00
Devoted ESSENTIALS Broward (HMO)
H1290-014 Devoted Health $0 $110.00
Devoted ESSENTIALS Jacksonville (HMO)
H1290-031 Devoted Health $0 $110.00
Devoted ESSENTIALS Manatee (HMO)
H1290-032 Devoted Health $0 $125.00
Devoted ESSENTIALS Miami-Dade (HMO)
H1290-013 Devoted Health $0 $120.00
Devoted ESSENTIALS North Florida (HMO)
H1290-035 Devoted Health $0 $105.00
Devoted ESSENTIALS Orlando (HMO)
H1290-018 Devoted Health $0 $115.00
Devoted ESSENTIALS Palm Beach (HMO)
H1290-015 Devoted Health $0 $110.00
DrValue (HMO-POS)
H4140-005 Doctors HealthCare Plans, Inc. $0 $100.00
DrValue-B (HMO-POS)
H4140-011 Doctors HealthCare Plans, Inc. $0 $100.00
Erickson Advantage Liberty without Drugs (HMO-POS)
H5652-002 UnitedHealthcare $0 $25.00
FHCP Medicare Rx Savings (HMO)
H1035-014 Florida Blue HMO $0 $100.00
Freedom Platinum Rewards Plan Rx (HMO)
H5427-106 Freedom Health, Inc. $0 $100.00
Freedom Savings Plan (HMO)
H5427-052 Freedom Health, Inc. $0 $75.00
HealthSun HealthAdvantage Plus (HMO)
H5431-018 HealthSun Health Plans, Inc. $0 $131.00
Humana Gold Plus H1036-157 (HMO)
H1036-157 Humana $0 $95.00
Humana Gold Plus H1036-265 (HMO)
H1036-265 Humana $0 $145.00
Humana Gold Plus H1036-266 (HMO)
H1036-266 Humana $0 $125.00
Humana Gold Plus H1036-268 (HMO)
H1036-268 Humana $0 $109.00
Humana Gold Plus H1036-269 (HMO)
H1036-269 Humana $0 $105.00
Humana Gold Plus H1036-270 (HMO)
H1036-270 Humana $0 $80.00
Humana Gold Plus H1036-271 (HMO)
H1036-271 Humana $0 $70.00
Humana Gold Plus H1036-278 (HMO)
H1036-278 Humana $0 $59.00
Humana Gold Plus H1036-286 (HMO)
H1036-286 Humana $0 $50.00
Humana Honor (HMO)
H1036-293 Humana $0 $80.00
Humana Honor (PPO)
H5216-257 Humana $0 $70.00
Leon MediMore (HMO)
H4286-003 Leon Health Plans $0 $110.00
Molina Medicare Choice Care Select (HMO)
H8130-011 Molina Healthcare of Florida $0 $74.00
Optimum Gold Plus Plan (HMO)
H5594-032 Optimum HealthCare, Inc. $0 $140.00
Optimum Gold Rewards Plan (HMO)
H5594-001 Optimum HealthCare, Inc. $0 $135.00
Oscar + Holy Cross + Memorial - with Refund Bonus (HMO)
H8961-003 Oscar $0 $100.00
Premier by Ultimate (HMO)
H2962-013 Ultimate Health Plans $0 $130.00
Simply Extra (HMO)
H5471-104 Simply Healthcare Plans, Inc. $0 $100.00
Wellcare Giveback (HMO)
H1032-189 Wellcare $0 $60.00

Most Popular Plans by Enrollment in Florida

*Some plans may be available only in certain regions
*Based off 2022 CMS enrollment data
Plan Name Plan ID Marketing Name Premium Enrollment
HumanaChoice Florida H5216-072 (PPO) H5216-072
Humana $0 54311
Humana Gold Plus H1036-265 (HMO) H1036-265
Humana $0 47813
AARP Medicare Advantage Choice Plan 2 (Regional PPO) R0759-001
UnitedHealthcare $0 43159
Humana Gold Plus H1036-065C (HMO) H1036-065
Humana $0 42504
Aetna Medicare Premier Plus (PPO) H5521-272
Aetna Medicare $0 40010

Highest CMS Rated Plans with Lowest Premium in Florida

*Some plans may be available only in certain regions in Florida
Plan Name Plan ID Company Name Premium 2023 Plan
HealthSun HealthAdvantage Plan (HMO)

HealthSun Health Plans, Inc. $0
HealthSun HealthAdvantage Plan (HMO)

HealthSun Health Plans, Inc. $0
HealthSun HealthAdvantage Plan (HMO)

HealthSun Health Plans, Inc. $0
HealthSun HealthAdvantage Plus (HMO)

HealthSun Health Plans, Inc. $0
HealthSun HealthAdvantage Plus (HMO)

HealthSun Health Plans, Inc. $0

2023 Plans by Provider

Doctors HealthCare Plans, Inc.
Health First Health Plans, Inc.
Prominence Health Plan
Simply Healthcare Plans, Inc.

Medicare Advantage changes in Florida, 2023

• In Florida, 4,867,207 individuals are enrolled in Medicare.

• The average monthly Advantage plan premium changed from $8.86 in 2022 to $9.41 in 2023. This represents a -6.2% change in average premium.

• 627 Advantage plans are available in 2023, compared to 583 plans in 2022. This represents a 7.5% change in plan options.

• 100% of people with Original Medicare have access to a Part-C plan

• $0 is the lowest monthly premium for an Advantage plan.

• 100% of people with Original Medicare will have access to a Part-C plan with a $0 monthly premium.

• Through the CMS Value-Based Insurance Design (VBID) Model, 210 plans will offer Medicare Advantage individuals extra options, including reductions in cost sharing (in some cases to zero) for some benefits, such as eliminated Medicare Part D cost sharing; rewards and incentives programs related to healthy behaviors; and customized, innovative benefits that address social determinants of health, such as food insecurity and social isolation, for individuals who receive low income subsidies (Extra Help) and/or chronically ill individuals.

• In addition, through the VBID Model’s Hospice Benefit Component, 1 plan will offer the Medicare hospice benefit through their plan.

With the passing of the Inflation Reduction Act, people with Medicare prescription drug coverage will have a $35 cost-sharing limit on a month’s supply of each covered insulin products. As well as adult vaccines that are recommended by the Advisory Committee on Immunization Practices (ACIP) at no additional cost.

Source: CMS Fact Sheet

How do I qualify for Medicare Advantage in Florida?

You can join a Medicare Advantage Plan in Florida if all these apply:
•You're a U.S. citizen or lawfully present in the U.S.
•You have Medicare Part A and Part B.
•You live in the service area of the plan you want to join.

When can I enroll in a Medicare Advantage Plan in Florida?

Open enrollment starts October 15 and runs to December 7, 2022. During this time, those eligible for Medicare can compare 2023 coverage options on The Medicare Plan Finder provides clear easy-to-use information to allow people to compare options for Medicare Advantage Plans in Florida, which may change from year to year.

Late September 2022

• The 2023 Medicare & You handbooks are mailed to beneficiaries. Keep the handbook as a reference guide.
• Plan providers begin notifying enrollees about changes to their plans.

October 2022

• Beneficiaries can begin comparing plans starting October 1.
• Beneficiaries should watch their mail for notices from Medicare with information about changes in 2023.
• Star ratings will be available starting October 11.
• The Annual Enrollment Period begins October 15.

December 2022

• The Annual Enrollment Period ends December 7.

January 2023

• Medicare plan coverage begins January 1.

January 1 - March 31

The open enrollment period gives you an opportunity to try out an insurance plan. During this period, you can make one switch to a different Advantage Plan, or you can disenroll and return to Original Medicare. If so, you will be able to join a Medicare Prescription Drug Plan. Any changes you make during this period will be effective on the first of the month after the request is received by the provider.

During this period (Jan 1 - March 31) you can't:

• Switch from Original Medicare to a MA Plan.
• Join a Prescription Drug Plan if you're on Original Medicare.
• Switch from one Medicare Prescription Drug Plan to another if you're on Original Medicare.

Can I switch to a Florida Part-C Plan anytime?

Medicare provides special enrollment periods. You can make changes to your MA plans and Medicare Part-D coverage when certain events happen, like if you move and need Medicare in Georgia or lose your insurance coverage. These chances to make changes are called Special Enrollment Periods (SEPs). Regulations about the type of changes and when you can make changes are different for each SEP.

Are some Medicare Advantage Plans free in Florida?

You may be surprised to find some Medicare Advantage Plans are offering a $0 premium. Of course, no Medicare Part-C plan is really $0 cost for you. There may be copays, deductibles, and coinsurance.

Why consider a Medicare Advantage Plan?

Many Medicare Advantage Plans offer preventive care and disease management programs to help people better manage their health, and healthy patients generally have better health outcome. With a Medicare Advantage Plan, you may have coverage for things like fitness programs and some vision, hearing, and dental services (like routine check-ups) that Original Medicare doesn't cover.

Also, MA plans may offer lower out-of-pocket expenses for you than Original Medicare. There is a limit from Part-C Plans on what you must pay out-of-pocket each year.

Plus plans may offer coverage for services like transportation to doctor visits, over-the-counter drugs, and services that promote your health and wellness.

Which pre-existing conditions are not covered by MA Plans?

You can join any Medicare Advantage Plan in FL even if you have a pre-existing condition.

How Much Does Medicare Advantage Cost in Florida?

The average premium for a Medicare Advantage Plan in 2022 was $19 per month, some premiums cost $0, and others cost over $100. In addition to any premiums your plan may charge, you may have to pay a yearly deductible. Cost-sharing in the form of copays, coinsurance, and deductibles varies depending on your provider. What you pay in a Medicare Advantage Plan in Florida depends on several factors. In most cases, you will need to use health care providers who participate in the plan’s network. Some plans will not cover all services from providers outside the plan’s network and service area.

What does Medicare Advantage cover?

Medicare Advantage Plans offer both medical (Part-B) and hospital (Part-A) insurance coverage and additional benefits. Depending on the type of plan you choose.

Prescription drug coverage. While this isn’t typically covered under original Medicare, most Medicare Advantage Plans offer additional prescription drug coverage and all MAPD plans offer drug coverage. To find out if your medications are covered, check the plan’s formulary or list of covered prescription drugs.

Dental, hearing, and vision. This includes some non-medically necessary coverage, which Original Medicare doesn't always cover. MA plans differ in benefits offered and vary from plan to plan.

How to join a Medicare Advantage Plan

Go to the Medicare Plan Finder and enter your zip code to find and compare plans in your area. You can speak to a licensed Medicare agent at 1-855-778-4180 (TTY 711) to help you determine which Medicare Advantage Plan would help with your health care needs.

How to Choose a Medicare Advantage Plan in Florida

Exploring your options could save you a lot of money. When choosing an Advantage Plan, consider the out-of-pocket costs and coverage for your medical needs and prescription drugs, coverage for any current medical issues, and which providers and facilities are included in the plan’s network. You can find out more about the costs and coverage for all the MAPD plans available in Florida by selecting your county above.

Which plan fits your budget. How much is the monthly premium? How much is the annual deductible? How much are the copays and coinsurance? What are the plans' maximum out-of-pocket costs?

Check CMS star ratings. CMS created the five-star quality rating system to help compare plans being offered. The star rating is on a scale of 1 to 5, with 5 being best.

Look for your doctors. If you have caregivers and medical facilities you use and prefer, look for plans that include them.

Prescription Drugs. To find a Medicare Advantage plan that includes your prescription drug coverage. Look at the plans Drug List (formulary) for coverage of your current medications. Check if your preferred local pharmacy is included in the plan’s pharmacy network or consider using a mail order pharmacy to lower costs.

Other coverage. Part-C Plans offer some additional benefits for dental, hearing, vision, gym memberships and transportation to medical appointments.

Travel coverage. Original Medicare generally doesn’t cover care outside the U.S. You may be able to buy supplemental insurance that offers emergency care when you travel outside of the U.S.

Florida Health Insurance Assistance Program (SHIP)

The State Health Insurance Assistance Program (SHIP) is a national program that offers one-on-one counseling and education to individuals. SHIP team members are highly trained and certified to assist people on their Medicare, Medicare Advantage and Medigap and Medicaid benefits. SHIP also assists individuals with low income to apply for benefits, such as Medicaid, Extra Help, (Low Income Subsidy) and Medicare Savings Program which help pay for or reduce healthcare costs.

SHINE (Serving Health Insurance Needs of Elders) is a free program offered by the Florida Department of Elder Affairs and your local Area Agency on Aging. Specially trained volunteers can assist you with your Medicare, Medicaid, and health insurance questions by providing one-on-one counseling and information. SHINE services are free, unbiased, and confidential.

The SHINE program supports the Florida Department of Elder Affairs’ mission by providing free and unbiased health insurance counseling through a dedicated network of volunteers, empowering Florida individuals to make informed health care choices.

Telephone: 1-800-963-5337

How Much Does Medicare Advantage Cost in Florida

The average premium for a Medicare Advantage Plan in 2022 was $19 per month, some premiums cost $0, and others cost over $100. In addition to any premiums your plan may charge, you may have to pay a yearly deductible.

What is the highest rated plan in Florida?

The highest rated plans by the CMS with the lowest premium in Florida is HealthSun HealthAdvantage Plan (HMO). It received a 5 star rating. Plans are rated on a one-to-five scale, with one star representing poor performance and five stars representing excellent performance.

Source:CMS Star Ratings

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Please contact, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment depends on the plan’s contract renewal.

Every year, Medicare evaluates plans based on a 5-star rating system.