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Medicare Advantage Plans in Polk County, FL
Looking for Medicare Advantage plans in Polk County? Enter your ZIP below to compare affordable monthly premium plans in your area.
Polk County, FL, is home to 69 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 Polk 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.
Enrollment may be limited to certain times of the year. See why you may be able to enroll.
2025 Lakeland Medicare Advantage Plans
2025 Medicare Advantage plans in Lakeland and across Polk County combine your Medicare Part A (hospital insurance) and Part B (medical insurance) coverage into one simple plan, regardless of whether they're HMO plans, PPO plans or any other type of Medicare Advantage plan.
Medicare Advantage 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 and more. Original Medicare (Part A and Part B) doesn't cover these additional benefits.
You can get help comparing Medicare Advantage plans in Lakeland and all across Polk County by calling to speak with a licensed insurance agent, or you can start by exploring the list of 2025 Lakeland Medicare Advantage plans below.
2025 Medicare Advantage plans in Polk County
| 2025 Medicare Advantage Plans in Polk | |
|---|---|
| Number of unique plans | 69 |
| Average monthly premium | $3.91 |
| Average (in-network) out-of-pocket maximum | $4,535.51 |
| Average Medicare Star Rating* | 3.84 |
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 Polk is $3.91 per month in 2025, though there may be plans available where you live that feature different premiums.
Medicare Advantage plans in Polk County have an average Medicare Star Rating of 3.84 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.
List of Medicare Advantage plans in Polk County
The following table includes cost information and other plan details for Medicare Advantage plans available in Polk in 2025.
| Plan Name | Plan Code | Monthly Premium | Deductible | Out of Pocket Max | Prescription Drug Coverage | Medicare Star Rating |
|---|---|---|---|---|---|---|
| AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) | H1045-059-000 | $0.00 | $495.00 | $6,700.00 | Yes | 4.5 out of 5 stars |
| AARP Medicare Advantage from UHC FL-0006 (HMO-POS) | H1045-028-000 | $0.00 | $175.00 | $3,800.00 | Yes | 4.5 out of 5 stars |
| AARP Medicare Advantage from UHC FL-0019 (PPO) | H2406-011-000 | $0.00 | $420.00 | $5,500.00 | Yes | 4 out of 5 stars |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO) | R0759-001-000 | $23.00 | $570.00 | $7,900.00 | Yes | 4 out of 5 stars |
| AARP Medicare Advantage from UHC FL-003P (HMO-POS) | H1045-045-000 | $0.00 | $175.00 | $2,900.00 | Yes | 4.5 out of 5 stars |
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) | R0759-002-000 | $0.00 | N/A | $7,900.00 | No | 4 out of 5 stars |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) | H2406-130-000 | $0.00 | N/A | $7,900.00 | No | 4 out of 5 stars |
| Aetna Medicare Assure (HMO D-SNP) | H1609-019-000 | $0.00 | $0.00 | $4,150.00 | Yes | 4 out of 5 stars |
| Aetna Medicare Choice (HMO-POS) | H1609-028-000 | $0.00 | $590.00 | $5,900.00 | Yes | 4 out of 5 stars |
| Aetna Medicare Eagle (PPO) | H5521-308-000 | $0.00 | N/A | $5,500.00 | No | 4.5 out of 5 stars |
| Aetna Medicare FL Dual Select (HMO D-SNP) | H1609-049-000 | $0.00 | $0.00 | $4,150.00 | Yes | 4 out of 5 stars |
| Aetna Medicare FL Explorer Premier (PPO) | H5521-437-000 | $0.00 | $590.00 | $4,900.00 | Yes | 4.5 out of 5 stars |
| Aetna Medicare FL Select (HMO) | H1609-022-000 | $0.00 | $0.00 | $2,500.00 | Yes | 4 out of 5 stars |
| Aetna Medicare Premier (PPO) | H5521-270-000 | $0.00 | $590.00 | $5,500.00 | Yes | 4.5 out of 5 stars |
| Aetna Medicare Premier (PPO) | H5521-033-000 | $0.00 | $590.00 | $6,750.00 | Yes | 4.5 out of 5 stars |
| CareAccess (HMO) | H1019-144-000 | $0.00 | $0.00 | $4,900.00 | Yes | 4 out of 5 stars |
| CareBreeze Platinum (HMO C-SNP) | H1019-151-002 | $0.00 | $0.00 | $2,500.00 | Yes | 4 out of 5 stars |
| CareComplete (HMO C-SNP) | H1019-150-000 | $0.00 | $0.00 | $2,500.00 | Yes | 4 out of 5 stars |
| CareComplete Platinum (HMO C-SNP) | H1019-147-002 | $0.00 | $0.00 | $2,500.00 | Yes | 4 out of 5 stars |
| CareComplete Platinum (HMO C-SNP) | H1019-147-002 | $0.00 | $0.00 | $2,500.00 | Yes | 4 out of 5 stars |
| CareFree Giveback (HMO) | H1019-104-001 | $0.00 | $0.00 | $3,000.00 | Yes | 4 out of 5 stars |
| CareNeeds Platinum (HMO D-SNP) | H1019-146-000 | $0.00 | $0.00 | $3,400.00 | Yes | 4 out of 5 stars |
| CareNeeds Plus (HMO D-SNP) | H1019-073-000 | $0.00 | $0.00 | $3,400.00 | Yes | 4 out of 5 stars |
| CareOne Plus (HMO) | H1019-103-001 | $0.00 | $0.00 | $1,600.00 | Yes | 4 out of 5 stars |
| CareSalute (HMO) | H1019-132-000 | $0.00 | N/A | $3,900.00 | No | 4 out of 5 stars |
| Cigna Courage Medicare (HMO) | H5410-057-000 | $0.00 | N/A | $3,400.00 | No | 3 out of 5 stars |
| Cigna Preferred Medicare (HMO) | H5410-024-000 | $0.00 | $0.00 | $2,650.00 | Yes | 3 out of 5 stars |
| Cigna Preferred Savings Medicare (HMO) | H5410-026-000 | $0.00 | $0.00 | $3,200.00 | Yes | 3 out of 5 stars |
| Cigna TotalCare (HMO D-SNP) | H5410-046-000 | $0.00 | $0.00 | $2,950.00 | Yes | 3 out of 5 stars |
| Cigna TotalCare Plus (HMO D-SNP) | H5410-025-000 | $0.00 | $0.00 | $1,500.00 | Yes | 3 out of 5 stars |
| Devoted CORE Florida (HMO) | H1290-036-002 | $0.00 | $590.00 | $6,750.00 | Yes | 4.5 out of 5 stars |
| Devoted DUAL Florida (HMO D-SNP) | H1290-024-000 | $0.00 | $0.00 | $3,900.00 | Yes | 4.5 out of 5 stars |
| Devoted DUAL PLUS Florida (HMO D-SNP) | H1290-052-000 | $0.00 | $0.00 | $3,400.00 | Yes | 4.5 out of 5 stars |
| Devoted EXTRA Florida (HMO) | H1290-065-000 | $0.00 | $590.00 | $6,750.00 | Yes | 4.5 out of 5 stars |
| Devoted PREMIUM Florida (HMO) | H1290-037-005 | $8.70 | $590.00 | $3,900.00 | Yes | 4.5 out of 5 stars |
| Humana Full Access Giveback H5216-393 (PPO) | H5216-393-000 | $0.00 | $0.00 | $6,700.00 | Yes | 3.5 out of 5 stars |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | H1036-299-000 | $0.00 | $0.00 | $2,400.00 | Yes | 4 out of 5 stars |
| Humana Gold Plus Giveback H1036-266 (HMO) | H1036-266-000 | $0.00 | $0.00 | $3,400.00 | Yes | 4 out of 5 stars |
| Humana Gold Plus H1036-230 (HMO) | H1036-230-000 | $0.00 | $0.00 | $2,400.00 | Yes | 4 out of 5 stars |
| Humana Gold Plus Lung (HMO C-SNP) | H1036-312-000 | $0.00 | $0.00 | $2,000.00 | Yes | 4 out of 5 stars |
| Humana Gold Plus SNP-DE H1036-102 (HMO D-SNP) | H1036-102-000 | $0.00 | $0.00 | $1,500.00 | Yes | 4 out of 5 stars |
| Humana Gold Plus SNP-DE H1036-314 (HMO D-SNP) | H1036-314-000 | $0.00 | $0.00 | $3,400.00 | Yes | 4 out of 5 stars |
| Humana USAA Honor Giveback (HMO) | H1036-119-000 | $0.00 | N/A | $3,900.00 | No | 4 out of 5 stars |
| Humana USAA Honor Giveback (PPO) | H5216-257-000 | $0.00 | N/A | $6,000.00 | No | 3.5 out of 5 stars |
| HumanaChoice Florida H5216-072 (PPO) | H5216-072-000 | $0.00 | $250.00 | $6,100.00 | Yes | 3.5 out of 5 stars |
| HumanaChoice Florida H5216-304 (PPO) | H5216-304-000 | $0.00 | $300.00 | $4,700.00 | Yes | 3.5 out of 5 stars |
| HumanaChoice Florida SNP-DE H5216-394 (PPO D-SNP) | H5216-394-000 | $0.00 | $0.00 | $4,900.00 | Yes | 3.5 out of 5 stars |
| HumanaChoice R5826-005 (Regional PPO) | R5826-005-000 | $172.00 | $100.00 | $6,700.00 | Yes | 3 out of 5 stars |
| HumanaChoice R5826-018 (Regional PPO) | R5826-018-000 | $43.00 | N/A | $7,550.00 | No | 3 out of 5 stars |
| HumanaChoice R5826-074 (Regional PPO) | R5826-074-000 | $23.00 | $395.00 | $7,550.00 | Yes | 3 out of 5 stars |
| Simply Complete (HMO D-SNP) | H5471-066-000 | $0.00 | $0.00 | $500.00 | Yes | 4.5 out of 5 stars |
| Simply Complete Platinum (HMO D-SNP) | H5471-118-000 | $0.00 | $0.00 | $500.00 | Yes | 4.5 out of 5 stars |
| Simply Extra (HMO) | H5471-106-000 | $0.00 | $0.00 | $3,450.00 | Yes | 4.5 out of 5 stars |
| Simply Extra Platinum (HMO) | H5471-117-000 | $0.00 | $0.00 | $3,200.00 | Yes | 4.5 out of 5 stars |
| Simply Freedom (PPO) | H9469-008-000 | $0.00 | $150.00 | $5,000.00 | Yes | Not enough data available |
| Simply Level (HMO C-SNP) | H5471-070-000 | $0.00 | $0.00 | $3,450.00 | Yes | 4.5 out of 5 stars |
| Simply Level Platinum (HMO C-SNP) | H5471-119-000 | $0.00 | $0.00 | $2,450.00 | Yes | 4.5 out of 5 stars |
| Simply More (HMO) | H5471-071-000 | $0.00 | $0.00 | $3,450.00 | Yes | 4.5 out of 5 stars |
| UHC Complete Care FL-14 (HMO-POS C-SNP) | H1045-048-003 | $0.00 | $175.00 | $2,900.00 | Yes | 4.5 out of 5 stars |
| UHC Dual Complete FL-D002 (HMO-POS D-SNP) | H1045-039-000 | $0.00 | $0.00 | $9,350.00 | Yes | 4.5 out of 5 stars |
| UHC Dual Complete FL-D003 (PPO D-SNP) | H1889-002-001 | $0.00 | $0.00 | $9,350.00 | Yes | 4 out of 5 stars |
| UHC Dual Complete FL-Y4 (PPO D-SNP) | H1889-026-000 | $0.00 | $0.00 | $9,350.00 | Yes | 4 out of 5 stars |
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP) | H2509-003-000 | $0.00 | $0.00 | $9,350.00 | Yes | Not enough data available |
| Wellcare Dual Access (HMO D-SNP) | H1032-124-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| Wellcare Dual Liberty (HMO D-SNP) | H1032-175-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| Wellcare Dual Reserve (HMO D-SNP) | H1032-202-000 | $0.00 | $0.00 | $1,500.00 | Yes | 3.5 out of 5 stars |
| Wellcare Giveback (HMO) | H1032-200-000 | $0.00 | $420.00 | $5,000.00 | Yes | 3.5 out of 5 stars |
| Wellcare Patriot Giveback (HMO) | H1032-239-000 | $0.00 | N/A | $4,500.00 | No | 3.5 out of 5 stars |
| Wellcare Simple (HMO) | H1032-201-000 | $0.00 | $420.00 | $1,200.00 | Yes | 3.5 out of 5 stars |
List of prescription drug plans in Polk County
The following table includes cost information and other plan details for prescription drug plans available in Polk in 2025.
| Plan Name | Plan Code | Monthly Premium | Deductible | Preferred Pharmacies | Accepts Mail Order | Medicare Star Rating |
|---|---|---|---|---|---|---|
| AARP Medicare Rx Preferred from UHC (PDP) | S5921-383-000 | $92.20 | $0.00 | Yes | Yes | 2.5 out of 5 stars |
| AARP Medicare Rx Saver from UHC (PDP) | S5921-356-000 | $112.60 | $590.00 | Yes | Yes | 2.5 out of 5 stars |
| Cigna Healthcare Assurance Rx (PDP) | S5617-053-000 | $94.70 | $590.00 | Yes | Yes | 2.5 out of 5 stars |
| Cigna Healthcare Extra Rx (PDP) | S5617-256-000 | $114.80 | $175.00 | Yes | Yes | 2.5 out of 5 stars |
| Cigna Healthcare Saver Rx (PDP) | S5617-361-000 | $27.10 | $590.00 | Yes | Yes | 2.5 out of 5 stars |
| Humana Basic Rx Plan (PDP) | S5884-105-000 | $116.70 | $590.00 | Yes | Yes | Plan too new to be measured |
| Humana Premier Rx Plan (PDP) | S5884-157-000 | $132.30 | $0.00 | Yes | Yes | 3.5 out of 5 stars |
| Humana Value Rx Plan (PDP) | S5884-190-000 | $41.20 | $573.00 | Yes | Yes | 3.5 out of 5 stars |
| SilverScript Choice (PDP) | S5601-022-000 | $48.30 | $590.00 | No | Yes | 2.5 out of 5 stars |
Fall Medicare open enrollment in Lakeland
Medicare open enrollment is an important time for Medicare beneficiaries in Lakeland and in Polk County. The 2024 Medicare open enrollment period lasts from October 15 until December 7.
Depending on your circumstances, this may be the only time of year you can make changes to your 2025 Medicare coverage.
Call to speak with a licensed insurance agent to find out if you're eligible to enroll in 2025 Medicare Advantage plans in the Lakeland area.