Medicare Advantage in Florida

Looking for Florida Medicare Advantage Plans? Enter your ZIP below to compare affordable or $0 premium plans in your area.

Florida state

Information about Medicare Advantage Plans in Florida

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43 percent of Medicare beneficiaries in Florida were enrolled in a Medicare Advantage (Medicare Part C) plan in 2019.1

There are 200 different Florida Medicare Advantage plans in 2019.1 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.

You can also learn more about other types of Medicare plans:

Average costs of Medicare Advantage in Florida

Florida had some of the lowest weighted average Medicare Advantage plan premiums in the United States in 2019, at $3 per month. Only South Carolina had a lower weighted average.

That average was affected by the 161 available plans that feature $0 monthly premiums.

  • Average monthly premium cost in 2019 (weighted): $3
  • Average in-network out-of-pocket spending limit: $3,470
  • Average deductible in 2019 (weighted): $21.721

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 2019 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

Compare Plans

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

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.

It’s important to note that if you have ESRD, you may not qualify for most Medicare Advantage plans. If you have ESRD, you may be able to enroll in 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

Compare Plans

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

Top-rated Medicare Advantage Plans in Florida 2019

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 148 top-rated 2019 Medicare Advantage 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 2019

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 24/7 to speak with a licensed insurance agent.

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

The chart below provides some more information about 2019 Florida Medicare Advantage plans by county.1

  • Broward County and Miami-Dade County each had the most 2019 MA plans available.

  • Broward County and Miami-Dade County each featured 34 $0 premium plans in 2019.
2019 FL Medicare Advantage by County
County Total of County MA Enrollees % of Medicare Beneficiaries Enrolled in MA Number of Plans Available Number of $0 Premium Plans Available % Enrolled in a $0 Premium Plan
Alachua 11264 24% 16 14 99.9%
Baker 1486 28% 10 8 99.6%
Bay 9882 24% 18 15 99.9%
Bradford 1854 30% 11 9 99.0%
Brevard 63341 39% 24 19 53.0%
Broward 183326 53% 43 34 99.8%
Calhoun 1070 35% 13 8 91.4%
Charlotte 25959 35% 27 21 99.9%
Citrus 23837 38% 24 21 100.0%
Clay 12407 27% 15 13 100.0%
Collier 26387 25% 17 12 99.9%
Columbia 5015 29% 12 10 99.9%
DeSoto 2463 31% 15 11 99.3%
Dixie 1442 32% 8 6 75.0%
Duval 64875 38% 24 21 100.0%
Escambia 23939 32% 21 17 100.0%
Flagler 16670 42% 17 13 88.7%
Franklin 1053 32% 11 7 92.7%
Gadsden 5843 53% 15 11 99.6%
Gilchrist 1208 28% 9 7 98.8%
Glades 995 34% 11 8 99.0%
Gulf 1009 24% 10 8 96.2%
Hamilton 834 27% 7 5 71.4%
Hardee 1645 34% 18 14 99.2%
Hendry 1916 29% 9 7 99.4%
Hernando 33510 52% 30 26 100.0%
Highlands 12671 35% 17 13 99.9%
Hillsborough 119898 48% 37 32 99.9%
Holmes 1350 26% 13 10 99.0%
Indian River 15278 27% 23 18 85.5%
Jackson 3147 26% 8 6 99.8%
Jefferson 1794 47% 13 9 95.2%
Lafayette 283 24% 7 5 71.4%
Lake 42377 38% 29 25 90.9%
Lee 70644 34% 26 20 100.0%
Leon 22293 47% 13 9 99.7%
Levy 4266 33% 13 10 99.6%
Liberty 616 42% 12 8 89.7%
Madison 1412 30% 10 8 98.5%
Manatee 38568 36% 31 26 100.0%
Marion 54807 44% 29 23 92.1%
Martin 14171 28% 24 20 99.9%
Miami-Dade 323555 66% 43 34 97.5%
Monroe 2171 11% 6 4 66.7%
Nassau 6747 29% 10 8 99.9%
Okaloosa 8054 18% 14 12 99.9%
Okeechobee 3430 37% 11 8 99.8%
Orange 94318 46% 34 29 100.0%
Osceola 37172 55% 34 28 99.5%
Palm Beach 128770 38% 37 27 99.4%
Pasco 75416 53% 35 31 100.0%
Pinellas 122690 47% 40 34 99.8%
Polk 84071 50% 34 30 99.0%
Putnam 7528 36% 13 10 99.9%
Santa Rosa 11552 31% 19 15 99.9%
Sarasota 45272 30% 30 26 100.0%
Seminole 35319 40% 36 30 99.8%
St. Johns 16122 27% 17 15 100.0%
St. Lucie 34003 40% 25 20 100.0%
Sumter 31323 40% 28 23 78.6%
Suwannee 3349 28% 9 7 99.7%
Taylor 1431 27% 6 4 66.7%
Union 635 27% 11 9 97.5%
Volusia 75208 48% 25 21 86.0%
Wakulla 3265 49% 12 8 96.9%
Walton 4546 27% 17 15 99.9%
Washington 1566 26% 12 10 99.4%

FL Medicare Advantage enrollees by plan type

The chart below illustrates the percentage of 2019 Florida Medicare Advantage enrollees that are enrolled in each primary type of Medicare Advantage plan.1

Plan type Percentage of Florida enrollees (2019)
HMO 89.8%
Local PPO 10.1%
Regional PPO <1%
PFFS <1%
Other Plans <1%

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 2019 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.