Medicare Advantage in Florida

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Florida state

Information about Medicare Advantage Plans in Florida

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There are 178 different Florida Medicare Advantage Prescription Drug (MAPD) plans in 2021.1 Not every plan is available in each county, so it's important to find out which ones are offered where you live.

A licensed insurance agent can help you compare the availability, benefits and costs of Medicare Advantage plans in your area of Florida. Read below to learn more about Medicare in your state.

Average costs of Medicare Advantage in Florida

Florida has one of the lowest weighted average Medicare Advantage Prescription Drug Plan premiums in the United States in 2021, at $13.17 per month.

  • Average monthly premium cost in 2021 (weighted): $13.17
  • Average in-network out-of-pocket spending limit: $4,116
  • Average drug deductible in 2021 (weighted): $1111

Individual plan premiums, deductibles and out-of-pocket costs may vary greatly depending on where you live and the plan you have.

You can view the 2021 average Florida Medicare Advantage plan monthly premiums by county listed below in this guide.

A licensed insurance agent can help you compare Medicare Advantage plan costs in your area.

Compare Florida Medicare Advantage plan costs

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Medicare Eligibility & Enrollment

If you want to enroll in Medicare Advantage in Florida, you must first be enrolled in Medicare Part A and Part B, often referred to as Original Medicare.

To be eligible for Original Medicare at age 65, you must meet the following requirements:

  • You must be a U.S. citizen or permanent legal resident who has lived in the U.S. for five continuous years.

  • You or your spouse must have worked long enough to be eligible for Social Security or Railroad Retirement benefits.

  • You or your spouse must be government employees or retirees who have not paid into Social Security but have paid Medicare payroll taxes.

You may also be eligible for Medicare benefits under 65 if:

  • You have been receiving Social Security disability benefits or certain Railroad Retirement Board disability benefits for at least 24 months.

  • You have ALS (amyotrophic lateral sclerosis, or Lou Gehrig's disease).

  • You have End-Stage Renal Disease (ESRD), and you or your spouse have paid Social Security taxes for a certain length of time.

If you have ESRD, you may be able to enroll in a Medicare Advantage plan or a Florida Medicare Special Needs Plan (SNP) that is specifically designed to help meet your health care needs.

How to sign up for a Medicare Advantage Plan in Florida

The first time you may be able to enroll in a Florida Medicare Part C plan is during your Medicare Initial Enrollment Period (IEP).

Medicare Initial Enrollment Period graphic

Your Medicare IEP starts three months before your 65th birthday. It includes the month of your 65th birthday and then continues for another three months after your birthday.

Additional times at which you may sign up for a Medicare Advantage plan include:

Medicare Advantage Open Enrollment Period graphic

Medicare Advantage Open Enrollment Period: January 1 – March 31

If you're already enrolled in a Part C plan, from January 1 to March 31 every year, you may switch Medicare Advantage plans or drop your Medicare Advantage plan and return to Original Medicare.

If you return to Original Medicare during this period, you'll be able to join a Medicare standalone prescription drug plan (Medicare Part D).

Medicare AEP graphic

Medicare Annual Enrollment Period (AEP): October 15 – December 7

From October 15 to December 7 every year, you may enroll in a Medicare Advantage plan or switch from one Medicare Advantage plan to another.

You may also drop your existing Medicare Advantage plan and return to Original Medicare.

During AEP, you may also join, switch or drop a Medicare Part D plan. 

Medicare Special Enrollment Periods (SEP)

You may potentially be granted a Medicare Special Enrollment Period (SEP) at any time throughout the year for qualifying circumstances.

A licensed insurance agent can help you find out if you qualify for a Medicare Special Enrollment Period.

Find a Florida Medicare Advantage plan

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Or call TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

Top-rated Medicare Advantage Plans in Florida 2021

Each year, the Centers for Medicare & Medicaid Services (CMS) issues Star Ratings for all Medicare Advantage plans using a system of one to five stars.2

In order for a Medicare Advantage plan to be considered a top-rated plan, it must have four or more stars out of five stars.

There are 104 top-rated 2021 MAPD plans in Florida that are rated four stars or higher.

Medicare Star Ratings
Star Ratings

★★★★★

Excellent

★★★★

Above Average

★★★

Average

★★

Below Average

Poor

Medicare Advantage plans are rated in the following five categories:

  • Preventive care and health maintenance (screenings, tests, vaccines, etc.)
  • Management of chronic conditions
  • Member experiences and ratings of the plan
  • Member complaints, problems receiving services and member retention
  • Customer service

The information for the star ratings is gathered from information that is submitted to Medicare, Medicare’s regular monitoring activities and member surveys.

List of Medicare Advantage Plans Available in Florida in 2021

To view a list of plans offered in your area within Florida, use our plan comparison tool.

Find a Florida Medicare Advantage plan

Compare Plans

Or call TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

Private insurance companies offer Medicare Advantage plans in Florida

Multiple insurance carriers may offer Medicare Advantage plans in Florida, depending on where you live.

Private insurance companies offer Medicare Advantage plans that may be unique to the plan area they serve.

Call to speak with a licensed insurance agent who can help you compare the Medicare Advantage plans that are sold by insurance companies in your area.

When you’re shopping for Medicare Advantage plans in Florida, you can compare plans from several different carriers by using some of the following information:

  • The Medicare Star Ratings can give you an idea of a plan’s overall quality.

  • Agencies like A.M. Best, Moody’s and Standard & Poor’s can provide information about an insurance company’s credit rating and financial standing.

  • Websites such as the Better Business Bureau and Consumer Reports can teach you about a company’s reputation among its customers.

  • You can read through Medicare Advantage plan reviews and testimonials from customers.

Florida Medicare Advantage plans by county

Learn more about Medicare Advantage plans in some of Florida's most populous counties.

The chart below provides some more information about 2021 Florida Medicare Advantage plans by county.1

  • Broward County, Pasco County and Hillsborough County each have the most 2021 MAPD plans available.

  • Okaloosa County, Lake County and Walton County have the lowest average MAPD monthly premiums in 2021.
2021 FL Medicare Advantage by County
County  Total Enrollees in County  Average  Premium % of Plans  Rated 4 Stars or Higher  Avg. Annual Drug Deductible #  Plans Available
Alachua 703 $18.70 45% $130.00 19
Baker 1677 $18.70 33% $151.36 19
Bay 47969 $15.77 70% $80.14 21
Bradford 81650 $18.68 64% $94.77 15
Brevard 1382 $17.08 20% $189.38 32
Broward 13151 $12.16 44% $149.00 53
Calhoun 15766 $24.12 62% $122.05 18
Charlotte 1139 $18.39 17% $198.89 32
Citrus 17654 $13.16 44% $99.58 27
Clay 6224 $11.25 50% $130.00 33
Collier 1002 $28.30 11% $187.78 31
Columbia 40559 $22.71 62% $112.80 16
DeSoto 24538 $18.27 40% $110.77 20
Dixie 5350 $26.99 53% $126.15 11
Duval 18406 $15.48 48% $165.87 34
Escambia 35642 $14.84 71% $111.36 29
Flagler 131164 $18.51 64% $93.60 28
Franklin 139245 $20.35 51% $115.83 16
Gadsden 9525 $18.99 53% $119.33 17
Gilchrist 756 $24.29 25% $169.00 12
Glades 38134 $23.08 56% $115.00 13
Gulf 13242 $12.74 48% $142.50 14
Hamilton 50949 $20.24 59% $93.89 14
Hardee 5024 $18.27 33% $167.14 20
Hendry 81659 $15.29 61% $129.52 12
Hernando 1739 $10.75 11% $216.43 40
Highlands 417 $20.04 14% $187.78 22
Hillsborough 1703 $10.05 27% $193.00 50
Holmes 132331 $19.53 66% $100.60 15
Indian River 1854 $16.34 35% $116.00 31
Jackson 3540 $15.29 45% $115.36 12
Jefferson 342327 $23.43 57% $117.16 18
Lafayette 34885 $22.08 65% $77.65 13
Lake 30461 $8.84 40% $135.21 43
Lee 2291 $19.02 10% $226.88 31
Leon 3804 $24.99 18% $198.89 17
Levy 2498 $21.49 N/A  $285.00 18
Liberty 103396 $18.99 63% $110.12 17
Madison 93180 $18.68 61% $93.92 15
Manatee 72797 $14.17 53% $121.50 39
Marion 5979 $15.16 31% $173.75 41
Martin 1545 $12.65 33% $171.82 28
Miami-Dade 68915 $10.27 52% $95.40 48
Monroe 1891 $25.48 36% $169.00 8
Nassau 3763 $15.85 13% $211.25 24
Okaloosa 79765 $8.05 53% $110.21 21
Okeechobee 3841 $23.08 22% $182.22 13
Orange 196627 $12.09 57% $105.73 48
Osceola 26794 $12.36 60% $98.33 47
Palm Beach 1271 $13.42 42% $135.00 48
Pasco 11075 $9.09 53% $129.67 50
Pinellas 2168 $12.51 25% $169.00 49
Polk 14221 $9.68 50% $115.17 44
Putnam 42932 $24.64 59% $102.66 19
Santa Rosa 14622 $14.84 35% $159.06 29
Sarasota 1187 $10.28 40% $122.08 34
Seminole 29338 $10.86 54% $109.23 48
St. Johns 1908 $14.45 50% $118.93 24
St. Lucie 1159 $15.86 33% $169.00 32
Sumter 2808 $11.40 31% $161.00 41
Suwannee 38857 $20.24 60% $101.67 14
Taylor 1618 $22.08 N/A $185.00 13
Union 8618 $18.68 29% $152.33 15
Volusia 26889 $13.75 50% $142.50 37
Wakulla 7797 $23.43 36% $129.75 18
Walton 60533 $8.99 64% $80.59 19
Washington 19096 $12.74 63% $136.50 14

FL Medicare Advantage plans by type

The major types of Medicare Advantage plans include:

  • HMO
    Health Maintenance Organization (HMO) 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.

  • PPO
    Medicare Advantage beneficiaries in a Preferred Provider Organization (PPO) 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.

  • PFFS
    A Private Fee-For-Service (PFFS) 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.

  • SNP
    A Special Needs Plan (SNP) 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.

Not all of these types of plans may be available in your area. A licensed insurance agent can help you compare the types of 2021 Florida Medicare Advantage plans that are available where you live.

Local health insurance resources in Florida

  • 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.

  • Financial Assistance for Medicare Beneficiaries 
    FAMB offers information about Florida Medicare Savings Programs (MSPs) and Extra Help/Low-Income Subsidy programs.

  • Florida Prescription Drug Assistance Programs
    The state of Florida has a number of programs designed to help with the cost of prescription drugs. There are programs for both Medicare beneficiaries and non-Medicare beneficiaries alike that can cover the cost of premiums and cost-sharing or even lower the cost of the drugs themselves.

 

1 MedicareAdvantage.com's The Best States for Medicare in 2021 report. (Oct. 27, 2020).

2 Medicare evaluates plans based on a 5- star rating system.