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Best Medicare Advantage Plans in Florida

Learn more about Top companies, popular plan types, price comparisons, and the best time to enroll in a Florida Medicare Advantage plan.

For those wanting bundled coverage with Medicare, a  Medicare Advantage plan in Florida is the plan choice for you. Medicare Advantage is made up of three parts: Medicare Part A (hospital insurance), Medicare Part B (medical insurance), and Medicare Part D (prescription drug coverage).

Original Medicare is composed of Part A and Part B, and Medicare Part C is known as the Medicare Advantage plan.

Medicare Advantage health insurance plans will also have additional benefits such as:

  • Vision
  • Hearing
  • Dental
  • Gym memberships (SilverSneakers)
  • Meal delivery
  • Medical appointment transport
  • Prescription allowance (over the counter)

Note: For anyone with End-stage Renal Disease or those with a disability, you can have a Medicare Advantage plan, even if you are younger than 65.

Find Plans in Your Area
 

Top rated Medicare Advantage Companies in Florida

Here are some of the private insurance companies offering Medicare Advantage plans for 2022:

  • Aetna
  • Bright Health
  • UnitedHealthcare
  • CarePlus Health Plans
  • Cigna
  • Devoted Health
  • Florida Blue
  • Humana
  • Prominence Health Plan
  • WellCare

Popular Medicare Advantage Plan Types in Florida

Medicare Advantage PPO

PPO Plans Benefits:

PPOs have larger networks and do not require patients to get referrals. Monthly premiums cost $0 to $100 per month for PPO plans.

Medicare Advantage HMO Plan

HMO Benefits:

HMO monthly are generally $0 and have lower out of pocket because of the HMO referral network.

Medicare Advantage D-SNP

A Special Needs plan is a good choice for those with low income or health conditions. This plan will have expenses related to Part B premium, Copays, Coinsurance, Deductibles, and Monthly premiums. You can also have Medicare and Medicaid to help with costs.

Florida Enrollment facts:

Most Medicare Advantage enrollees are in plans with either United Healthcare, Humana, or Florida Blue.

1. Number of people enrollment in Medicare Advantage in Florida: 2.2 million

2. Number enrolled by plan, specifically the three plans below:

Local HMO: 1,297,063

Local PPO: 310,658

Regional PPO: 301,746

3. Percentage of Medicare beneficiaries enrolled in Medicare advantage in Florida: 48%

4. Number of people enrollment in Medicare Advantage nationwide: Expected to reach 29.5 million in 2022

5. Percentage of Medicare beneficiaries enrolled in Advantage Nationwide: 42%

Medicare Advantage Cost

For an HMO plan, most companies have their costs set at $0 per month. This is also true for some PPO plans. Although, it is more common to see PPOs with premiums. Within the state of Florida, plans will vary from one county to another.

The average Medicare plan with a prescription drug plan is $45 a month in Florida.

The Part D drug deductible is about $114.

How much do Advantage Plans cost in Florida?
Plan Type Premium Range
PPO Plan$0 to $45.00
HMO Plan$0.00
Standalone Rx Plan$15.25

How to choose a Medicare Advantage Plan

At certain points during the year, enrollment for Medicare Advantage plans occur.

Initial Enrollment Period

Eligibility for Initial enrollment happens at 65. You can join health plans Medicare Part A and Part B at this point. Most will enroll within three months of turning 65.

AEP – Annual Election Period

October 15th until December 7th

During this time, you can join, drop, or make changes to a Florida Medicare Advantage Plan.

Coverage for Part C starts January 1rst as long as the plan is completed by December 7th.

Medicare Advantage Open Enrollment Period

January 1rst through March 31rst

During this enrollment period, you can switch plans, join Original Medicare, or join a Medicare Supplement plan.

Special Enrollment Periods – Special Circumstances

Medicare recognizes that there are times when special circumstances will need to be applied in one’s life. Circumstances could include any of the following:

  • Address change/Move
  • The plan with Medicare changes
  • You lose current coverage
  • Employer coverage(VA/Tricare/PACE)

Other special considerations may also include eligibility for both Medicare and Medicaid, Extra Help, dropping a Medigap plan, State Pharmaceutical Assistance Program enrollment, special needs, disability.

5-star Special Enrollment Period

December 8th until November 30th

This five-star rating enrollment can only be used once. These plans are rated with satisfaction surveys that compare plans based on quality and performance. The 5-star rating is the highest given.

Visit here to learn more.

Special Enrollment Periods if you get “Extra Help”

This enrollment applies if you receive extra help. Extra help is noted by your eligibility for it, along with eligibility for Medicare or Medicaid or enrollment into the State Pharmaceutical Assistance Program.

Ready to learn more?

We help educate Medicare beneficiaries on their Medicare Advantage options  for 2022 and help them go through the process of reviewing and comparing plans. We work with most of the nation’s top-rated Medicare Advantage carriers. Give us a call today, or request a quote online to learn more about plan options.

Florida Medicare Resources

You can make use of these helpful resources if you need more information or extra help in the State of Florida:

You can also call and talk to one of our licensed insurance agents about Medicare Advantage plans in Florida, Medigap, Medicare prescription drug plans, and more. We’ll share a complete description of the benefits of your options and will help you find a plan with a top star rating, all while keeping your budget in mind. Don’t hesitate to contact us for help today.

Related Topics

Key Take Aways
  • In Florida for 2022, PPO Medicare Advantage Plans are very popular for many Medicare beneficiaries.
  • Number of lives enrollment in Medicare Advantage in Florida: 2.3 million
  • HMO monthly are generally $0 and have lower out of pocket because of the HMO referral network.