Updated 09/10/2024
Medicare Advantage Plans in Florida
Medicare Advantage plans have a few critical distinctions from original Medicare. Medicare Advantage Plans offer a few additional benefits. Part A covers hospital inpatient care, and Part B provides supplies and services to treat or prevent medical conditions. Original Medicare plans must offer the same level of care. Programs may also include prescription drug coverage, routine hearing and vision exams, and memberships in fitness clubs.
Florida will have 583 Medicare Advantage plans in 2023.
Medicare Advantage Plans in Florida 2023
You’re not the only one considering enrolling in Medicare Advantage (also known as Medicare Part C in Florida) to meet your insurance needs.
Recent Census data shows that Florida has approximately 4.5 million residents aged 65 or older, which accounts for almost 21% of the state’s total population. Florida has a 79-year average life expectancy. Therefore, it is essential to have health insurance coverage for financial and physical well-being.
In Florida, every Medicare beneficiary has the option to enroll in a Medicare Advantage Plan. Starting in 2023, this plan will have a premium as low as $0.
When it comes to Medicare Supplement Plans in Florida, the average monthly premium may range from $46 to $507. Your age and the plan you choose will be the primary factors affecting the price.
As of 2022, there are 163 Medicare Advantage Plans available in Florida. These plans offer innovative benefits such as wellness programs, healthcare planning, lower cost-sharing, and rewards and incentive programs.
Medicare Advantage Plans provide an all-in-one solution for healthcare coverage. However, the types of plans available and coverage offered may vary depending on your location and insurance company. To make an informed decision, it is essential to understand the differences between plans and how they impact your coverage.
Please find out the differences and how they impact your coverage to make the best decision for you.
Medicare Advantage Plans Available in Florida
Ascension Complete
Avmed Medicare
Baycare Health Plans
Bright Health
Capital Health Plan
CarePlus Health Plans
Cigna
Devoted Health
Doctors Healthcare Plans
Florida Blue
Florida Blue HMO Freedom Health
Health First Health Plans
HealthSun Health Plans
Humana
Lasso Healthcare
Leon Health Plans
MMM of Florida
Molina Healthcare of Florida
Optimum Healthcare
Oscar
Prominence Health Plan
Simply Healthcare Plans
Solis Health Plans
Ultimate Health Plans
UnitedHealthcare
WellCare
Florida's top-rated Medicare Advantage plans
Every year, the Centers for Medicare & Medicaid Services (CMS) awards star ratings to Medicare Advantage plans on a scale from 1 to 5, with 5 being the highest-rated plan. Here are the top-rated plans in Florida for 2022. (For more information on Medicare star ratings, click here.)
The following plans are rated below 5 stars by the CMS:
- BayCare Health Plans: BayCarePlus Complete, BayCarePlus Premier, BayCarePlus Rewards
- Capital Health Plan: Capital Health Plan Advantage PLUS, Capital Health Plan Prefer Advantage, Capital Health Plan Gold Advantage
- CarePlus Health Plans: CareExtra and CareFree PLUS, CareOne PLATINUM CareOne PLUS, CareOne PLUS CareSalute
- Cigna: Cigna Fundamental Medicare, Cigna Preferred Medicare, Cigna Preferred Savings Medicare, Cigna Primary Medicare, Leon Medicare
- HealthSun Health Plans: HealthSun HealthAdvantage Plan, HealthSun MediMax
- Optimum HealthCare: Optimum Gold Plus Plan, Optimum Gold Rewards Plan, Optimum Platinum Plan
- UnitedHealthcare: Erickson Advantage Freedom, Erickson Liberty with Drugs and Erickson Liberty without Drugs, Erickson Signature with Drugs, MedicareMax
Largest Medicare Advantage Plans Network
UnitedHealthcare is the largest network size provider with an average Medicare Star Rating of 4.2 out of 5. It has a service area that covers all 50 U.S. states and Washington, D.C.
UnitedHealthcare is the largest provider of Medicare Advantage plans in the US, with plans available in almost three-quarters or more of US counties. It partners with AARP to offer Medicare products bearing the AARP brand, and its Medicare Advantage network is the largest of any company, with over 1 million providers. While UHC members tend to be in high-rated plans, member satisfaction ratings are often lower than other providers.
Pros:
- Three-quarters of UnitedHealthcare Medicare Part A members are in Medicare Star Rating contracts.
- UnitedHealthcare offers $0-copay annual home visits and telehealth visits.
- UHC allows members to consult with experts if they have questions or need help.
Cons:
- In the 2021 Medicare Advantage Study by Power, UnitedHealthcare scored below the industry average, ranking sixth among nine providers that were measured.
Understanding Your Options for Joining a Five-Star Medicare Advantage Plan
Choosing a Medicare Advantage plan with a five-star rating ensures that you are enrolling in a high-quality health insurance plan. Thefive-star rating is the highest possible rating for Medicare Advantage (also called Medicare Part C) plans, making it an excellent indicator of the plan’s value. Therefore, it is essential to consider the highest rated Medicare Advantage plan in Florida when choosing the right coverage for you.
If you are considering switching from your current Medicare Advantage plan to a five-star rated plan, it is important to know that by law, you have extra opportunities to do so. Our team can assist you in making an informed decision and taking action to enroll in the best plan for your healthcare needs.
But what exactly does a five-star Medicare Advantage plan mean? Medicare Advantage plans are rated on a scale of 1 to 5 stars, with five stars being the highest rating. A five-star rating indicates that the plan offers excellent overall performance in terms of providing its members with access to quality healthcare and a positive customer service experience. To help you better understand the significance of a five-star rating, here’s a breakdown of each star rating:
- ★★★★★ – excellent
- ★★★★ – above average
- ★★★ – average
- ★★ – below average
- ★ – poor
How Much Is A Medicare Advantage Plan In Florida
In 2022, the average monthly premium for a Medicare Advantage plan in Florida was $8.54, representing an increase of $8.36 from the previous year. There are now a total of 583 Medicare Advantage plans available in Florida for 2022, an increase of 526 plans from the previous year.
It’s important to note, however, that all Medicare-eligible residents in Florida have access to at least one $0 premium Medicare Advantage plan. So while there may be a wide range of plan options with varying costs and benefits, there is at least one option available that doesn’t require a monthly premium.
