Best Medicare Advantage Plans In Florida 2025

In Florida, more than five million people are enrolled in Medicare, one of the highest totals in the nation. Medicare Advantage, the focus of this article and also known as Medicare Part C, is an alternative to Original Medicare offered by private insurers and often includes added benefits like prescription drugs, vision, hearing, and dental coverage.

Best Medicare Advantage Plans In Florida

Florida offers some of the most competitive Medicare Advantage options in the country, with hundreds of plans and several insurers earning top ratings for quality and service. Each year, the Centers for Medicare & Medicaid Services (CMS) reviews and rates these plans based on member satisfaction, health outcomes, and care management. The higher the star rating, the better the plan performs in key areas such as preventive care, customer experience, and value.

Listed below are the Florida-based insurers that received the highest CMS star ratings for 2025:

5-Star Plans

• Devoted Health
• Leon Health Plans
• UnitedHealthcare

4.5-Star Plans

• Aetna
• Capital Health Plan
• CarePlus Health Plans
• Optimum HealthCare
• Freedom Health
• HealthSun Health Plans
• Humana
• Simply Healthcare Plans

4-Star Plans

• BayCare Health Plans
• Doctors HealthCare Plans
• Florida Blue (Blue Cross Blue Shield of Florida)
• Health First Health Plans
• Ultimate Health Plans
• UnitedHealthcare
• Wellcare

Medicare Advantage Providers In Florida

Florida has one of the most extensive selections of Medicare Advantage providers in the nation, giving residents a wide range of choices across the state. These companies offer various plan types, benefits, and premium levels to meet different healthcare needs and budgets.

Here is a list of insurers currently offering Medicare Advantage plans in Florida:

• Aetna
• BayCare Health Plans
• Capital Health Plan
• CarePlus Health Plans
• Devoted Health
• Doctors HealthCare Plans
• Florida Blue
• Freedom Health
• Health First Health Plans
• HealthSun Health Plans
• Humana
• Leon Health Plans
• Optimum HealthCare
• Prominence Health Plan
• Simply Healthcare Plans
• Solis Health Plans
• Ultimate Health Plans
• UnitedHealthcare
• Wellcare

What You Should Know About Medicare Advantage In Florida

Florida has one of the largest Medicare populations in the country. More than five million Floridians are enrolled in Medicare, representing roughly 22% of the state’s total population. Nearly 60% of these beneficiaries are enrolled in Medicare Advantage plans.

The average monthly premium for a Medicare Advantage plan in Florida is around $4 to $5, though many plans are available with a $0 premium. Keep in mind, beneficiaries must still pay the standard Medicare Part B premium, and out-of-pocket costs can vary by plan.

Floridians can choose from more than 600 Medicare Advantage plans, one of the highest totals of any state. Plan availability varies by county, with most areas offering at least 50 or more plan options from multiple insurers.

Roughly 21.7% of Florida’s residents are age 65 or older, one of the highest senior population percentages in the United States. This aging demographic helps explain why Florida offers such a large variety of Medicare Advantage choices.

How To Pick A Medicare Advantage Plan In Florida

Choosing a Medicare Advantage plan in Florida requires careful thought because the state offers more than 600 options from multiple insurers. With so many choices, it’s important to consider how each plan aligns with your individual healthcare needs, budget, and lifestyle.

The first step is to review what each plan covers beyond Original Medicare. Some plans offer generous extra benefits, while others focus mainly on basic coverage. Seniors should also check provider networks to ensure their preferred doctors and hospitals are included.

Another key consideration is prescription drug coverage. Each plan has its own formulary (a list of covered medications), so it’s important to confirm that your prescriptions are included and that copays fit your budget.

Costs vary widely, and while some plans have $0 premiums, that doesn’t necessarily mean they’re the most affordable. Deductibles, copayments, coinsurance, and annual out-of-pocket limits can all add up. It’s smart to look at the total expected cost rather than focusing only on the monthly premium.

Medicare also assigns star ratings to Advantage plans, ranging from one to five stars. These ratings reflect overall quality, customer satisfaction, and performance measures. A plan with four stars or higher is typically a sign of strong service and quality of care. Still, a lower-rated plan might work better if it covers the doctors and medications you need.

Because Florida’s counties can differ significantly in which plans are offered, seniors should compare options by ZIP code rather than statewide averages. Plans from major providers such as UnitedHealthcare, Humana, Florida Blue, Aetna, and Devoted Health often vary in benefits, provider networks, and premiums depending on where you live.

Seniors should also consider any additional services that might be valuable. Many Florida plans now include perks like transportation to medical appointments, meal deliveries after hospital stays, and allowances for over-the-counter items. While these may seem small, they can make a meaningful difference in overall convenience and care.

Because plan details and prices can change every year, it’s a good idea to review your options annually during the Medicare Open Enrollment period. For help comparing plans or finding personalized guidance, visit the official Medicare website at Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). Representatives are available 24 hours a day, seven days a week, except on certain federal holidays.

Am I Eligible For Medicare Advantage Enrollment In Florida?

If you’re eligible for Medicare Part A and Part B, you’re also eligible to enroll in a Medicare Advantage plan, also known as Part C. Medicare Advantage plans provide the same coverage as Original Medicare while often including additional benefits such as prescription drug coverage, dental, vision, and hearing care.

First, you must live in the plan’s service area to enroll. Each Medicare Advantage plan operates within specific counties or regions, and you can only sign up for a plan that covers the area where you maintain your permanent residence. If you move outside that service area, you’ll generally have a Special Enrollment Period to choose a new plan available in your new location.

In the past, people with End-Stage Renal Disease (ESRD) were generally not eligible to join most Medicare Advantage plans, but that rule changed. Today, Florida residents with ESRD can enroll in almost any Medicare Advantage plan available in their area, just like anyone else.

Some insurers even offer Special Needs Plans (SNPs) specifically designed to meet the needs of people with chronic conditions such as ESRD, diabetes, or heart disease.

Florida residents who qualify for both Medicare and Medicaid, often referred to as “dual-eligible” beneficiaries, have additional choices. They can enroll in Medicare Advantage Dual Special Needs Plans (D-SNPs), which coordinate benefits between Medicare and Medicaid. These plans often include extra services, lower out-of-pocket costs, and added support for managing care.

When Is The Medicare Advantage Enrollment Period In Florida?

The Medicare Advantage enrollment periods in Florida are the same as those used nationwide, but it’s important for Florida residents to understand the timing so they don’t miss their opportunity to enroll or make changes.

The main enrollment window is the Initial Enrollment Period, which begins three months before you turn 65, includes your birthday month, and continues for three months after. During this seven-month period, you can sign up for Medicare Parts A and B as well as a Medicare Advantage plan (Part C).

If you’re already enrolled in Medicare, you can make changes each year during the Annual Enrollment Period, which runs from October 15 through December 7. During this time, you can switch from Original Medicare to a Medicare Advantage plan, move from one Medicare Advantage plan to another, or return to Original Medicare. Any changes made during this period take effect on January 1 of the following year.

There’s also a Medicare Advantage Open Enrollment Period, which lasts from January 1 through March 31. This period allows those already enrolled in a Medicare Advantage plan to make one change, either switching to a different Medicare Advantage plan or returning to Original Medicare with or without a Part D prescription drug plan.

In addition to these standard periods, Florida residents may qualify for a Special Enrollment Period if certain life events occur, such as moving out of a plan’s service area, losing other health coverage, or becoming eligible for Medicaid.

Medicare Resources In Florida

Florida residents have access to several reliable government resources for Medicare information, guidance, and plan comparison.

The Florida Department of Elder Affairs oversees the SHINE (Serving Health Insurance Needs of Elders) program, which provides free, unbiased counseling to help seniors understand Medicare coverage and compare plan options.

SHINE counselors can assist with enrollment questions, billing issues, and identifying programs that help lower healthcare costs. You can reach the SHINE program by calling 1-800-963-5337.

The Centers for Medicare & Medicaid Services (CMS) operates the national Medicare.gov website, which includes the official Medicare Plan Finder tool. This online resource allows users to compare Medicare Advantage and Part D prescription drug plans by cost, benefits, and provider network.

The site also features the CMS Star Ratings tool, which evaluates plan quality and customer satisfaction on a scale of 1 to 5 stars.

For questions about Social Security benefits and how they relate to Medicare eligibility, the Social Security Administration (SSA) is another key resource. The SSA handles Medicare enrollment for most people and can assist with replacing lost Medicare cards, updating address information, and verifying eligibility. You can contact them at 1-800-772-1213.

Florida residents can also reach out to the Florida Office of Insurance Regulation, part of the state’s Department of Financial Services. This office regulates insurance companies operating in Florida, including those offering Medicare Advantage and supplemental policies. It can help with complaints, consumer education, and making sure companies comply with state insurance laws.

Disclaimer: Insuranceopedia is not connected with or endorsed by the U.S. government or the federal Medicare program.