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Medicare Advantage Plans in Charlotte County, FL

Looking for Medicare Advantage plans in Charlotte County? Enter your ZIP below to compare affordable monthly premium plans in your area.

Charlotte County, FL, is home to 47 Medicare Advantage (Medicare Part C) plans in 2025.

Learn more about Medicare Advantage in Florida or call to speak with a licensed insurance agent who can help you compare Charlotte County Medicare Advantage plans and – if you're eligible – help you enroll.

We offer plans from Humana, UnitedHealthcare®, Anthem Blue Cross and Blue Shield*, Aetna, Cigna Healthcare, Wellcare, or Kaiser Permanente.

2025 Medicare Advantage plans in Charlotte County

2025 Medicare Advantage Plans in Charlotte
Number of unique plans47
Average monthly premium$5.55
Average (in-network) out-of-pocket maximum$5,435.11
Average Medicare Star Rating*0

While the number of unique plans in any county can change slightly every year, the table above presents a good idea of what you can expect to see in 2025.

The average monthly premium for Medicare Advantage plans in Charlotte is $5.55 per month in 2025, though there may be plans available where you live that feature different premiums.

Medicare Advantage plans in Charlotte County have an average Medicare Star Rating of 0 in 2025.* Plans rated four stars or higher are considered top-rated Medicare plans.

Premiums, deductibles and other costs may vary. The numbers reported in the table above are taken from the Centers for Medicare & Medicaid Services (CMS). A licensed insurance agent will be able to help you review and compare costs for specific plans available in Florida or wherever you may live.

* Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. 2025 Star Ratings have not yet been released but will be updated on this page as soon as the data is available.

List of Medicare Advantage plans in Charlotte County

The following table includes cost information and other plan details for Medicare Advantage plans available in Charlotte in 2025.

Plan NamePlan CodeMonthly PremiumDeductibleOut of Pocket MaxPrescription Drug CoverageMedicare Star Rating
AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS)H1045-059-000$0.00$495.00$6,700.00Yesna
AARP Medicare Advantage from UHC FL-0006 (HMO-POS)H1045-028-000$0.00$175.00$3,800.00Yesna
AARP Medicare Advantage from UHC FL-0010 (HMO-POS)H1045-034-000$0.00$175.00$2,900.00Yesna
AARP Medicare Advantage from UHC FL-0017 (PPO)H2406-009-000$0.00$420.00$5,900.00Yesna
AARP Medicare Advantage from UHC FL-0031 (Regional PPO)R0759-001-000$23.00$570.00$7,900.00Yesna
AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO)R0759-002-000$0.00N/A$7,900.00Nona
AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO)H2406-130-000$0.00N/A$7,900.00Nona
Aetna Medicare Choice (HMO-POS)H1609-028-000$0.00$590.00$5,900.00Yesna
Aetna Medicare Eagle (PPO)H5521-306-000$0.00N/A$5,500.00Nona
Aetna Medicare FL Dual Select (HMO D-SNP)H1609-056-000$0.00$0.00$4,150.00Yesna
Aetna Medicare FL Explorer Premier (PPO)H5521-438-000$0.00$590.00$4,700.00Yesna
Aetna Medicare FL Select (HMO)H1609-027-000$0.00$0.00$2,900.00Yesna
Aetna Medicare Premier (PPO)H5521-272-000$0.00$590.00$5,500.00Yesna
Aetna Medicare Premier (PPO)H5521-033-000$0.00$590.00$6,750.00Yesna
Aetna Medicare Value (HMO)H1609-026-000$0.00$0.00$3,600.00Yesna
Cigna Courage Medicare (HMO)H5410-058-000$0.00N/A$3,400.00Nona
Cigna Preferred Medicare (HMO)H5410-039-000$0.00$0.00$3,400.00Yesna
Cigna Preferred Savings Medicare (HMO)H5410-041-000$0.00$0.00$3,900.00Yesna
Cigna TotalCare (HMO D-SNP)H5410-055-000$0.00$0.00$4,500.00Yesna
Cigna TotalCare Plus (HMO D-SNP)H5410-047-000$0.00$0.00$1,500.00Yesna
Humana Full Access Giveback H5216-393 (PPO)H5216-393-000$0.00$0.00$6,700.00Yesna
Humana Gold Plus - Diabetes and Heart (HMO C-SNP)H1036-311-000$0.00$0.00$3,300.00Yesna
Humana Gold Plus Giveback H1036-278 (HMO)H1036-278-000$0.00$0.00$4,400.00Yesna
Humana Gold Plus H1036-217 (HMO)H1036-217-000$0.00$0.00$4,150.00Yesna
Humana Gold Plus Lung (HMO C-SNP)H1036-310-000$0.00$0.00$3,300.00Yesna
Humana Gold Plus SNP-DE H1036-285 (HMO D-SNP)H1036-285-000$0.00$0.00$3,400.00Yesna
Humana Gold Plus SNP-DE H1036-314 (HMO D-SNP)H1036-314-000$0.00$0.00$3,400.00Yesna
Humana USAA Honor Giveback (HMO)H1036-290-000$0.00N/A$6,700.00Nona
Humana USAA Honor Giveback (PPO)H5216-257-000$0.00N/A$6,000.00Nona
HumanaChoice Florida H5216-072 (PPO)H5216-072-000$0.00$250.00$6,100.00Yesna
HumanaChoice Florida H5216-304 (PPO)H5216-304-000$0.00$300.00$4,700.00Yesna
HumanaChoice Florida SNP-DE H5216-394 (PPO D-SNP)H5216-394-000$0.00$0.00$4,900.00Yesna
HumanaChoice R5826-005 (Regional PPO)R5826-005-000$172.00$100.00$6,700.00Yesna
HumanaChoice R5826-018 (Regional PPO)R5826-018-000$43.00N/A$7,550.00Nona
HumanaChoice R5826-074 (Regional PPO)R5826-074-000$23.00$395.00$7,550.00Yesna
Simply Freedom (PPO)H9469-007-000$0.00$125.00$5,000.00Yesna
UHC Complete Care FL-14 (HMO-POS C-SNP)H1045-048-002$0.00$175.00$2,900.00Yesna
UHC Dual Complete FL-D002 (HMO-POS D-SNP)H1045-039-000$0.00$0.00$9,350.00Yesna
UHC Dual Complete FL-D003 (PPO D-SNP)H1889-002-002$0.00$0.00$9,350.00Yesna
UHC Dual Complete FL-Y4 (PPO D-SNP)H1889-026-000$0.00$0.00$9,350.00Yesna
UHC Dual Complete FL-Y5 (HMO-POS D-SNP)H2509-003-000$0.00$0.00$9,350.00Yesna
Wellcare Dual Access (HMO D-SNP)H1032-124-000$0.00$0.00$9,350.00Yesna
Wellcare Dual Liberty (HMO D-SNP)H1032-175-000$0.00$0.00$9,350.00Yesna
Wellcare Dual Reserve (HMO D-SNP)H1032-202-000$0.00$0.00$1,500.00Yesna
Wellcare Giveback (HMO)H1032-198-000$0.00$420.00$5,000.00Yesna
Wellcare Patriot Giveback (HMO)H1032-239-000$0.00N/A$4,500.00Nona
Wellcare Simple (HMO)H1032-199-000$0.00$420.00$2,900.00Yesna
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