Navigating Medicare plans in Florida can feel overwhelming, with a variety of options to choose from. Making an informed decision starts with understanding the available plans—whether you’re comparing Medicare Advantage, Part D prescription plans, or Medigap.
This guide will explain the different plan types, provide insights into costs, identify top providers, and provide enrollment tips, ensuring you get coverage that fits your health needs and budget.
Key Takeaways:
- Florida offers various Medicare plans, including Medicare Advantage, Part D prescription drug plans, and Medigap.
- Costs, coverage, and provider networks vary widely between plans, making comparison essential for finding the best fit.
- Florida residents can access helpful resources like SHIP and Area Agencies on Aging for guidance on navigating Medicare plans.
Medicare Plans Available in Florida
Each Medicare plan type offers varying levels of coverage, benefits, and costs, depending on your specific healthcare needs.
Original Medicare (Part A and Part B)
Original Medicare consists of two parts:
- Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.
- Part B (Medical Insurance): Covers outpatient care, doctor visits, preventive services, and medically necessary services.
Part A and Part B costs include monthly premiums, deductibles, and coinsurance, which may vary based on income and work history. For example, in 2023, Part B premiums averaged $164.90 monthly, with deductibles and copayments varying by service.
Medicare Advantage (Part C)
Medicare Advantage plans offer an all-in-one alternative to Original Medicare. These plans include Part A, Part B, and often Part D (prescription drug coverage). Many Medicare Advantage plans in Florida also provide additional benefits, such as vision, dental, and hearing coverage.
Florida residents have access to a wide range of Medicare Advantage plans, with significant variations in coverage and costs. It’s crucial to compare plans to find the best fit for your needs. Private insurance companies offer these plans, and premiums can depend on the plan and region.
- In 2025, Florida residents have 613 Medicare Advantage plans to choose from, up from 592 in 2024.
- The average monthly premium for Medicare Advantage plans in Florida decreased to $4.33 from $10.09 in 2024.
- All Medicare beneficiaries in Florida have access to a Medicare Advantage plan.
- $0 is the lowest monthly premium available for a Medicare Advantage plan.
- 100% of Medicare beneficiaries in Florida can access a $0 monthly premium plan, providing affordable options for all 5.1 million enrollees in the state.
| Insurance Carrier | CMS Star Rating | Network Availability | Monthly Premium | Deductible | In-Network Out-of-pocket Max |
|---|---|---|---|---|---|
| United Healthcare | 3.82★ | 49 states and DC | $0 | $0 | $3,700 |
| Humana | 3.63★ | 48 states, DC, and PR | $0 | $330 | $3,000 |
| Aetna | 4.27★ | 44 states and DC | $0 | $0 | $3,900 |
| Cigna | 3.93★ | 29 states and DC | $0 | $0 | $3,750 |
Data gathered via CMS.gov and direct provider plans. Star ratings and plan information reflects publicly available data as of 2025.
Private insurers offering Medicare Advantage plans in Florida include:
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Medicare Prescription Drug Plans (Part D)
Medicare Part D plans help cover prescription drug costs. These plans are usually paired with Original Medicare but can also be included in a Medicare Advantage plan.
Each Part D plan has a formulary (a list of covered medications) organized into pricing tiers. Comparing formularies and costs is crucial to ensure your medications are covered at a reasonable price.
In 2025, Medicare beneficiaries can choose from 16 stand-alone prescription drug plans (PDPs). These plans are accessible to anyone enrolled in Medicare.
- Over 70% (71.51%) of individuals with a stand-alone Medicare prescription drug plan have the opportunity to switch to a plan with a lower monthly premium compared to their 2024 costs.
- Approximately 25.8% of beneficiaries enrolled in a stand-alone drug plan qualify for the Extra Help program, offering additional financial support.
- The most affordable stand-alone Medicare prescription drug plan comes with a $0 monthly premium.
| Plan Name | Monthly Premium | Deductible | CMS Rating |
|---|---|---|---|
| AARP Medicare Rx Preferred (UHC) | $92.20 | $0 | 2.0★ |
| Humana Basic Rx Plan | $116.70 | $590 | 3.5★ |
| Wellcare Medicare Rx Value Plus | $107.30 | $590 | 3.5★ |
Data gathered via CMS.gov and direct provider plans. Star ratings and plan information reflects publicly available data as of 2025.
Medigap (Medicare Supplement) Plans
Medigap plans help fill the gaps in coverage left by Original Medicare, including costs like copayments, coinsurance, and deductibles. In Florida, popular options like Plan G and Plan N offer different levels of coverage tailored to various healthcare needs.
Private insurers provide Medigap policies, and costs depend on factors such as the plan, age, and location. Remember that Medigap plans do not cover prescription drugs, so you may need a separate Part D plan for medication coverage.
- Florida Blue
- AARP (UnitedHealthcare)
- Humana
- United of Omaha
- Colonial Penn
- USAA Life
- Gerber Life
- American Continental
- Renaissance Life
- Americo Life
Learn more: How to Compare Medicare Supplement Plans
These companies offer Medicare Supplement plans that help cover costs not included in Original Medicare, like copays and deductibles. Plans G and N are particularly popular for balancing cost and coverage.
Average Costs of Medicare Plans in Florida
Medicare plan costs in Florida vary by type. Original Medicare requires premiums and deductibles, while Medicare Advantage often offers low or even $0 premiums. Medigap and Part D plans come with additional costs but help reduce beneficiaries’ out-of-pocket expenses.
| Plan Type | Average Monthly Premium | Deductible | What it Covers |
|---|---|---|---|
| Original Medicare (Part A) | $0 | $1,676 | Basic hospital and outpatient coverage |
| Medical Insurance (Part B) | $185 | $257 | Medically necessary and preventative services |
| Medicare Advantage (Part C) | $4.33 | $0 | Extra benefits i.e. vision, hearing, and dental care |
| Prescription Drug (Part D) | $55 | $0 | Covers medications with tiered pricing |
| Medigap Plans G and N | $121 – $171 | $0 – $25 | Fills gaps in Original Medicare |
Note: Costs reflect 2024 averages and may vary by provider and location.
This breakdown helps Florida residents compare options and choose a plan that fits their healthcare and financial needs
Top Medicare Advantage and Medigap Providers in Florida
Florida has a wide range of Medicare Advantage and Medigap providers, each offering varying levels of coverage, costs, and network sizes. Here are some top providers for Medicare plans, along with their standout features and ratings.
Best Medicare Advantage Providers
Medicare Advantage plans in Florida often include additional benefits like dental, vision, and fitness programs and prescription drug coverage (Part D). Choosing the right provider depends on your specific healthcare needs and budget.
| Carrier | Highest Rating | Lowest Rating | Median Rating | Total Number of MA Contracts |
|---|---|---|---|---|
| Aetna | 4.5 | 2.5 | 4.0 | 45 |
| Centene | 4.0 | 2.0 | 3.0 | 106 |
| Cigna | 4.5 | 3.0 | 3.5 | 17 |
| Elevance (Anthem BCBS) | 5.0 | 2.5 | 3.5 | 46 |
| Humana | 5.0 | 3.0 | 4.0 | 48 |
| United Healthcare | 5.0 | 3.0 | 4.0 | 75 |
Learn more: Best Medicare Advantage Plans in Florida
Note: Medicare Advantage CMS Star Ratings: 6 Major Carriers (Updated 11/29/24).
Best Medigap Providers
Medigap plans help cover out-of-pocket expenses, with top providers in Florida excelling in customer service and competitive pricing. Florida Blue offers a range of affordable plans with strong financial ratings, while AARP/UnitedHealthcare is known for balancing costs with various plan options. Humana and United of Omaha are notable providers that offer competitive premiums and solid customer satisfaction scores.
Plan G Medigap Providers in Florida
| Carrier | Average Monthly Premium | Fee | A.M. Best Rating |
|---|---|---|---|
| Florida Blue | $168.70 | None | A+ |
| AARP | $168.39 | None | A |
| United American | $169.00 | None | A+ |
| Humana | $158.18 | None | A- |
| United of Omaha | $168.35 | None | A+ |
| Colonial Penn | $169.86 | None | A- |
| Gerber Life | $167.46 | $25.00 | A |
| Renaissance Life | $170.34 | $25.00 | A |
| American Continental | $171.51 | $20.00 | A |
| Americo Life | $171.82 | None | A |
Medicare Supplement Plans: Carrier Comparison by Premiums, Fees, and Ratings (2025).
Plan N Medigap Providers in Florida
| Carrier | Average Monthly Premium | Fee | A.M. Best Rating |
|---|---|---|---|
| Florida Blue | $154.00 | None | A+ |
| AARP | $131.06 | None | A |
| United American | $144.00 | None | A+ |
| Humana | $126.37 | None | A- |
| Colonial Penn | $141.13 | None | A- |
| United of Omaha | $148.54 | None | A+ |
| Globe Life | $152.00 | None | A+ |
| USAA Life | $153.85 | None | A++ |
| American Continental | $141.69 | $20.00 | A |
| Renaissance Life | $144.96 | $25.00 | A |
Medicare Supplement Plans: Carrier Comparison by Premiums, Fees, and Ratings (2025).
Evaluating these providers based on their network, costs, and customer satisfaction ensures you can find a plan that aligns with your healthcare needs and financial situation.
How to Enroll in a Medicare Plan in Florida
To enroll in Medicare in Florida, you must be at least 65 years old or qualify at any age due to a disability, end-stage renal disease (ESRD), or amyotrophic lateral sclerosis (ALS).
- Choose Your Plan Type:
Decide whether Original Medicare, Medicare Advantage, Medigap, or a Part D prescription drug plan best fits your healthcare needs and budget. - Know Your Enrollment Windows:
There are specific times when you can enroll or make changes:- Initial Enrollment: Begins 3 months before your 65th birthday and ends 3 months after.
- Annual Enrollment: Runs from October 15 to December 7 each year.
- Special Enrollment: For qualifying life events such as moving, losing employer coverage, or changing your current plan’s service area.
- Gather the Required Documents:
To ensure smooth enrollment, ensure you have your Medicare card (if already enrolled), photo ID, and any relevant personal details. - Submit Your Enrollment:
You can enroll online at Medicare.gov, by phone at 1-800-MEDICARE, or with the help of a licensed insurance agent, such as CoverRight. - Get Support if Needed:
If you’re unsure which plan to choose, contact Florida’s State Health Insurance Assistance Program (SHIP) or consult a licensed agent for personalized advice.
How to Choose the Right Medicare Plan in Florida
- Assess Your Healthcare Needs:
Review how frequently you visit doctors and specialists and any prescriptions you take. This helps determine whether you need more comprehensive coverage, such as Medicare Advantage, or supplemental options like Medigap. - Compare Plan Options:
Explore Florida’s Medicare Advantage, Medigap, and Part D plans. Consider how each plan aligns with your medical needs, budget, and lifestyle. - Check Provider Networks:
Ensure that your preferred doctors, hospitals, and pharmacies are included in the plan’s network to ensure you can access the care you need. - Evaluate Costs and Benefits:
Review the premiums, deductibles, and out-of-pocket maximums for each plan. Look for extra benefits like dental, vision, or wellness coverage that might add value to your healthcare. - Get Personalized Help if Needed:
If you’re unsure which plan fits your needs, use Medicare’s Plan Finder tool or consult a licensed insurance agent for expert advice tailored to your situation.
Learn more: How to Shop Medicare Plans
Medicare Resources for Florida Residents
Several resources are available to help Florida residents navigate Medicare. The Florida Department of Elder Affairs offers free Medicare counseling through its SHINE (Serving Health Insurance Needs of Elders) program.
Local Area Agencies on Aging (AAA) also provide additional support, including assistance in accessing in-home care and community services for seniors. Additionally, Medicare.gov provides tools for comparing plans and finding healthcare providers to help beneficiaries make informed decisions about their coverage.
These resources are invaluable for guidance beyond initial enrollment and coverage selection.
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CoverRight helps you navigate coverage gaps and options to find the right plan for your loved ones. Start today.
Sources
- Centers for Medicare & Medicaid Services (CMS)
- Medicare Open Enrollment Partner Resources. Published 2024. Available at: cms.gov. Last Accessed November 20, 2024
- Centers for Medicare & Medicaid Services (CMS)
- 2024 Medicare Advantage and Part D Ratings Fact Sheet. Published October 13, 2023. Available at: cms.gov. Last Accessed November 20, 2024
- Medicare.gov
- Medigap Coverage Information: When to Buy. Available at: medicare.gov. Last Accessed November 20, 2024
- Medicare.gov
- Medigap Overview. Available at: medicare.gov. Last Accessed November 25, 2024
- Medicare.gov
- What Does Medicare Cost? Available at: medicare.gov. Last Accessed November 26, 2024.
- Medicare.gov
- When Does Medicare Coverage Start? Available at: medicare.gov. Last Accessed November 26, 2024.
- Medicare.gov
- What Does Medicare Cost? Available at: medicare.gov. Last Accessed November 26, 2024.
- Kaiser Family Foundation (KFF)
- Key Facts About Medicare Part D Enrollment, Premiums, and Cost Sharing in 2024. Available at: kff.org. Last Accessed November 26, 2024.
