Best Florida Medicare Advantage Plans

MoneyGeek analyzed plans that are widely available in Florida and have high Centers for Medicare & Medicaid Services ratings to help you find the best Medicare Advantage Plans in Florida. We also broke down the best plans based on plan type, whether you need drug coverage and whether you want lower out-of-pocket costs.

Our recommendations are based on sample profiles, so it is important to shop around for a plan that best suits your particular needs and ensure that the hospitals and providers you prefer are in your plan’s network.

If you're not looking for a Medicare Advantage plan but want to cover out-of-pocket costs that your base Medicare plan doesn't cover, MoneyGeek also ranked the best Medicare Supplement Plans in Florida.

Since coverage and benefit needs are unique, the best Medicare Advantage Plan for you will depend on your individual needs. For a sample shopper in Florida who wants a PPO plan with drug coverage, six core benefits and a high star rating from the Centers for Medicare & Medicaid Services (CMS), MoneyGeek discovered that the Aetna Medicare Premier Plus plan by Aetna Medicare is the best plan.

While PPO plans cost more than other plan types, they are good for flexibility since they have a wide network of providers. Plus, you do not need a referral to see a specialist.

If you are looking for the best HMO Medicare Advantage Plan in Florida, it is important to choose one based on your particular needs. If you want an HMO plan with drug coverage, six core benefits and a high star rating from the Centers for Medicare & Medicaid Services (CMS), MoneyGeek found that the CareFree HMO plan by CarePlus Health Plans, Inc. is the best option.

HMO plans are a good option if you are looking for low monthly premiums since they are typically more affordable compared to other plan types. However, you will need a referral to see a specialist on this type of plan. Additionally, you must stay within your provider network to have services covered, except in an emergency.

If you’re not someone who needs Part D prescription drug coverage, you may have more options when shopping for the best Medicare Advantage Plans in Florida.

If you are looking for a Medicare Advantage Plan with or without drug coverage that offers six core benefits and has a high star rating from the Centers for Medicare & Medicaid Services (CMS), MoneyGeek found that the CareFree HMO plan by CarePlus Health Plans Inc. is the best option. This plan is also the best HMO plan overall, whether or not you need drug coverage.

Most Medicare Advantage Plans have low or no premiums, but your out-of-pocket costs can be high if you incur high medical costs in a given year.

MoneyGeek found that the Aetna Medicare Premier Plus PPO plan by Aetna Medicare is the best option in Florida if you are looking for a Medicare Advantage plan with a low in-network max out-of-pocket (MOOP), drug coverage, six core benefits and a high star rating from the Centers for Medicare & Medicaid Services (CMS).

There are 28 healthcare organizations offering Medicare Advantage Plans in Florida. We compiled statistics on Medicare Advantage in Florida to help you figure out which plan components are rare versus common.

MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in Florida were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of Florida based on county availability.