Medicare Advantage in Florida

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Florida Medicare Advantage plan enrollment by the numbers

With nearly 1.8 million enrollees, Florida trails only California as the state with the highest number of Medicare Advantage beneficiaries.¹

There are several major types of Medicare Advantage plans. In the state of Florida, there are 179 different Medicare Advantage plans available as of 2018.² Not every plan is available in each county, so it's important to find out which ones are offered where you live.

More than two-thirds of Florida Medicare Advantage beneficiaries belong to an HMO plan (as you can see in the chart below), but local and regional PPOs also have a substantial presence in the state. The major types of Medicare Advantage plans include:


A Health Maintenance Organization usually requires patients to use health care providers and pharmacies that are part of the plan’s network (except in the case of emergencies) while also typically requiring a referral from a primary care doctor in order to see a specialist.


Medicare Advantage beneficiaries in a Preferred Provider Organization are able to see providers outside of their plan’s network, often at a higher cost. Beneficiaries in this type of plan typically pay less out of pocket if they choose to receive medical services from providers within their plan’s network. PPO plans typically do not require patients to acquire a referral before visiting with a specialist.


A Private Fee-For-Service plan determines how much it will pay to health care providers and how much the patient will pay when care is received. With a PFFS plan, you can typically receive care from any doctor, hospital or health care provider that accepts your plan’s terms. Not all providers will accept these terms, however.


A Special Needs Plan is a type of Medicare Advantage plan limited to people with certain chronic conditions and  other specific characteristics. Typically, you must receive care from health care providers and hospitals within your SNP network, except for in cases when you need emergency or urgent care and when someone who has End-Stage Renal Disease (ESRD) needs out-of-area kidney dialysis.

Medicare Cost Plans, Medical Savings Accounts (MSA) and HMO Point-of-Service (HMO POS) plans are 3 additional types of Medicare Advantage plans. These plans made up fewer than 2 percent of all MA plans sold in Florida.

Total number of Medicare Advantage enrollees in Florida: 1,793,258 as of 2017¹

FL Medicare Advantage enrollees by plan type:

Plan type Percentage of Florida enrollees (2017)
HMO 69%
Local PPO 14%
Regional PPO 18%
PPFS <1%
Cost Plans <1%
Other Plans <1%

Data reflects Medicare Advantage enrollment in the state of Florida as of 2017, as obtained from the Kaiser Family Foundation Medicare Advantage 2017 Spotlight: Enrollment Market Update¹

Serving Health Insurance Needs of Elders (SHINE)

SHINE is a free, confidential and unbiased health insurance assistance program that provides counseling and educational materials to older adults living in Florida. SHINE’s mission is to help Medicare beneficiaries better understand their Medicare coverage, rights and costs in order to get the most out of their benefits. You can contact SHINE at 1-800-963-5337.

You can also explore more information about the insurance industry in Florida by visiting the state Office of Insurance Regulation website.


¹Kaiser Family Foundation. Medicare Advantage 2017 Spotlight: Enrollment Market Update. Retrieved from

²Kaiser Family Foundation. State Health Facts: Medicare Advantage Plans. Retrieved from,%22sort%22:%22asc%22%7D.

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TZ Insurance Solutions LLC and the licensed sales agents that may call you are not connected with or endorsed by the U.S. Government or the federal Medicare program. This website does not contain a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call (877) 486-2048), 24 hours a day / 7 days a week or consult

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums, and/or copayments/coinsurance may change on January 1 of each year.

Medicare has neither reviewed nor endorsed this information.

Last Updated: 4/24/2018