Medicare Advantage Plans in Pinellas County, FL

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

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Pinellas County, FL, is home to 65 Medicare Advantage (Medicare Part C) plans in 2023.

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

2023 St. Petersburg and Clearwater Medicare Advantage Plans


2023 Medicare Advantage plans in Clearwater, St. Petersburg and across the Tampa Bay area combine your Medicare Part A (hospital insurance) and Part B (medical insurance) coverage into one simple plan, and some plans may also offer additional benefits Part A and B don't cover.

These additional benefits may include things like prescription drug coverage, dental, hearing, vision, transportation, fitness club memberships and more. Original Medicare (Part A and Part B) doesn't cover these additional benefits.

You can get help comparing Pinellas County Medicare plans by calling to speak with a licensed insurance agent, or you can start by exploring the list of 2023 Clearwater and St. Petersburg Medicare Advantage plans below.

2023 Medicare Advantage plans in Pinellas County

2023 Medicare Advantage Plans in Pinellas
Number of unique plans65
Average monthly premium$4.61
Average (in-network) out-of-pocket maximum$3526.15
Average Medicare Star Rating*3.78

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 2023.

The average monthly premium for Medicare Advantage plans in Pinellas is $4.61 per month in 2023, though there may be plans available where you live that feature different premiums.

Medicare Advantage plans in Pinellas County have an average Medicare Star Rating of 3.78 in 2023.* 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.

List of Medicare Advantage plans in Pinellas County

The following table includes cost information and other plan details for Medicare Advantage plans available in Pinellas in 2023.

Plan NamePlan CodeMonthly PremiumDeductibleOut of Pocket MaxPrescription Drug CoverageMedicare Star Rating
AARP Medicare Advantage (HMO-POS)H1045-028-000$0$0$4000Yes3.5 out of 5 stars
AARP Medicare Advantage Choice (PPO)H2406-011-000$0$0$4900Yes3.5 out of 5 stars
AARP Medicare Advantage Choice Plan 2 (Regional PPO)R0759-001-000$0$195$6700Yes3.5 out of 5 stars
AARP Medicare Advantage Focus (HMO-POS)H1045-045-000$0$0$2900Yes3.5 out of 5 stars
AARP Medicare Advantage Patriot (Regional PPO)R0759-002-000$0N/A$6700No3.5 out of 5 stars
Aetna Medicare Assure (HMO D-SNP)H1609-019-000$0$0$3450Yes4 out of 5 stars
Aetna Medicare Assure Plus (HMO D-SNP)H1609-044-000$0$0$3450Yes4 out of 5 stars
Aetna Medicare Choice (HMO-POS)H1609-028-000$0$195$6700Yes4 out of 5 stars
Aetna Medicare Credit (HMO)H1609-060-000$0$0$3450Yes4 out of 5 stars
Aetna Medicare Eagle (PPO)H5521-308-000$0N/A$5500No3.5 out of 5 stars
Aetna Medicare Premier (PPO)H5521-033-000$0$300$6700Yes3.5 out of 5 stars
Aetna Medicare Premier Plus (PPO)H5521-270-000$0$150$5500Yes3.5 out of 5 stars
Aetna Medicare Select (HMO)H1609-034-000$0$0$1900Yes4 out of 5 stars
CareBreeze (HMO C-SNP)H1019-116-000$0$0$3200Yes4 out of 5 stars
CareBreeze Platinum (HMO C-SNP)H1019-125-000$0$0$2400Yes4 out of 5 stars
CareComplete (HMO C-SNP)H1019-107-000$0$0$3000Yes4 out of 5 stars
CareComplete Platinum (HMO C-SNP)H1019-122-000$0$0$2400Yes4 out of 5 stars
CareFree (HMO)H1019-104-002$0$0$2500Yes4 out of 5 stars
CareNeeds Plus (HMO D-SNP)H1019-026-000$0$0$0Yes4 out of 5 stars
CareOne Platinum (HMO)H1019-111-000$0$0$3000Yes4 out of 5 stars
CareOne Plus (HMO)H1019-103-002$0$0$1700Yes4 out of 5 stars
CareSalute (HMO)H1019-132-000$0N/A$3900No4 out of 5 stars
Cigna Preferred Medicare (HMO)H5410-029-000$0$0$2200Yes4.5 out of 5 stars
Cigna Preferred Savings Medicare (HMO)H5410-030-000$0$0$2700Yes4.5 out of 5 stars
Cigna Primary Medicare (HMO)H5410-035-000$18.6$505$3500Yes4.5 out of 5 stars
Cigna TotalCare (HMO D-SNP)H5410-046-000$0$0$0Yes4.5 out of 5 stars
Cigna TotalCare Plus (HMO D-SNP)H5410-032-000$0$0$0Yes4.5 out of 5 stars
Cigna True Choice Medicare (PPO)H7849-048-000$0$0$5200Yes3 out of 5 stars
Devoted CHOICE GIVEBACK Tampa (PPO)H9884-005-000$0$150$5500YesPlan too new to be measured
Devoted CORE Tampa (HMO)H1290-036-002$0$0$2900Yes4.5 out of 5 stars
Devoted DUAL Tampa (HMO D-SNP)H1290-024-000$0$0$2900Yes4.5 out of 5 stars
Devoted ESSENTIALS Tampa (HMO)H1290-051-002$0$0$3400Yes4.5 out of 5 stars
Devoted PRIME (HMO)H1290-037-005$32$505$2900Yes4.5 out of 5 stars
Humana Gold Plus - Diabetes and Heart (HMO C-SNP)H1036-160-000$0$0$3300Yes4.5 out of 5 stars
Humana Gold Plus - Diabetes and Heart (HMO C-SNP)H1036-299-000$0$0$2400Yes4.5 out of 5 stars
Humana Gold Plus H1036-025 (HMO)H1036-025-000$0$0$1800Yes4.5 out of 5 stars
Humana Gold Plus H1036-265 (HMO)H1036-265-001$0$0$2400Yes4.5 out of 5 stars
Humana Gold Plus SNP-DE H1036-102 (HMO D-SNP)H1036-102-000$0$0$0Yes4.5 out of 5 stars
Humana Honor (HMO)H1036-119-000$0N/A$3900No4.5 out of 5 stars
Humana Honor (PPO)H5216-257-000$0N/A$5100No4.5 out of 5 stars
HumanaChoice Florida H5216-072 (PPO)H5216-072-000$0$150$4900Yes4.5 out of 5 stars
HumanaChoice Florida H5216-304 (PPO)H5216-304-000$0$0$4700Yes4.5 out of 5 stars
HumanaChoice R5826-005 (Regional PPO)R5826-005-000$111$100$6700Yes3 out of 5 stars
HumanaChoice R5826-018 (Regional PPO)R5826-018-000$0N/A$7550No3 out of 5 stars
HumanaChoice R5826-074 (Regional PPO)R5826-074-000$4$395$7550Yes3 out of 5 stars
Molina Medicare Choice Care (HMO)H8130-010-000$0$125$8300Yes2.5 out of 5 stars
Molina Medicare Choice Care Select (HMO)H8130-011-000$0$450$8300Yes2.5 out of 5 stars
Molina Medicare Complete Care Select (HMO D-SNP)H8130-009-000$35.2$505$3400Yes2.5 out of 5 stars
Simply Complete (HMO D-SNP)H5471-082-000$0$0$500Yes4.5 out of 5 stars
Simply Extra (HMO)H5471-108-000$0$0$3450Yes4.5 out of 5 stars
Simply Freedom (PPO)H9469-008-000$0$150$5000YesPlan too new to be measured
Simply Freedom Extra (PPO)H9469-005-000$0$150$6100YesPlan too new to be measured
Simply Level (HMO C-SNP)H5471-075-000$0$0$3450Yes4.5 out of 5 stars
Simply More (HMO)H5471-078-000$0$0$3450Yes4.5 out of 5 stars
UnitedHealthcare Dual Complete Choice (PPO D-SNP)H1889-002-001$0$505$8300Yes4 out of 5 stars
UnitedHealthcare Dual Complete LP (HMO-POS D-SNP)H1045-039-000$0$0$0Yes3.5 out of 5 stars
UnitedHealthcare Medicare Advantage Walgreens (HMO-POS C-SNP)H1045-048-003$0$0$2900Yes3.5 out of 5 stars
Wellcare Dual Access (HMO D-SNP)H1032-124-000$0$0$0Yes3 out of 5 stars
Wellcare Dual Access Open (PPO D-SNP)H5199-016-000$0$0$0Yes2 out of 5 stars
Wellcare Dual Liberty (HMO D-SNP)H1032-175-000$0$0$0Yes3 out of 5 stars
Wellcare Dual Reserve (HMO D-SNP)H1032-202-000$0$0$0Yes3 out of 5 stars
Wellcare Giveback (HMO)H1032-200-000$0$0$2500Yes3 out of 5 stars
Wellcare No Premium (HMO)H1032-201-000$0$0$1200Yes3 out of 5 stars
Wellcare No Premium Open (PPO)H5199-012-000$0$100$3400Yes2 out of 5 stars
Wellcare Premium Enhanced Open (PPO)H5199-010-000$99$0$3500Yes2 out of 5 stars

Fall Medicare open enrollment in Clearwater and St. Petersburg


Fall Medicare open enrollment is an important time for beneficiaries in the Tampa Bay area and across the country.

The 2022 Medicare open enrollment period starts on October 15 and only lasts until December 7. Depending on your circumstances, this may be the only time of year to make changes to your 2023 Medicare coverage.

Call to speak with a licensed insurance agent to find out if you're eligible to enroll in 2023 Medicare Advantage plans in St. Petersburg and Clearwater.​

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