Medicare Advantage Plans in Florida 2026
Florida has 20–40+ Medicare Advantage plans available in most counties. Compare HMO and PPO options from Humana, Aetna, UHC, Florida Blue, and more — based on your doctors, prescriptions, and budget.
HMO vs PPO Medicare Advantage Plans
The two most common Medicare Advantage plan types in Florida are HMO and PPO. Understanding the difference is critical before you enroll.
HMO Plans
- Must use in-network providers
- Requires primary care physician (PCP)
- Referrals needed for specialists
- Lower premiums and copays
- Emergency care covered anywhere
- Out-of-network: not covered (except emergencies)
Best for: Seniors who want lower costs and are comfortable staying in-network.
PPO Plans
- Can see out-of-network providers (higher cost)
- No referrals required for specialists
- More flexibility in provider choice
- Higher premiums than HMO
- Out-of-network covered at higher cost-sharing
- Good for snowbirds or frequent travelers
Best for: Seniors who want flexibility to see specialists without referrals.
Top Medicare Advantage Carriers in Florida
These carriers offer Medicare Advantage plans across most Florida counties. Availability and plan details vary by ZIP code.
Humana
HMO, PPO, MAPDLarge network, strong dental benefits, SilverSneakers
UnitedHealthcare (AARP)
HMO, PPO, MAPDNationwide network, Renew Active fitness, strong PPO options
Aetna
HMO, PPO, MAPDCompetitive premiums, SilverSneakers, strong Part D formularies
Florida Blue
HMO, PPO, MAPDStrong Florida network, local presence, Blue365 discounts
Cigna
HMO, PPO, MAPDCompetitive rates, Healthy Today card, strong dental
Devoted Health
HMO, MAPDHigh star ratings, concierge-style service, strong in Florida
Plan availability varies by ZIP code. William Gray compares all carriers available in your area.
5 Things to Compare Before Choosing a Plan
Verify your doctors are in-network
Before enrolling in any HMO plan, confirm your primary care physician, specialists, and preferred hospitals are in the plan's network. Use the plan's online provider directory or call William to verify.
Check your prescriptions are on the formulary
Each plan has a formulary (list of covered drugs). Your medications may be on different tiers — affecting your copays. Compare formularies based on your specific prescriptions, not just the plan's star rating.
Calculate total annual costs
Don't just compare premiums. Calculate total annual costs: premium + deductible + estimated copays for your typical healthcare usage. A $0 premium plan with high copays may cost more than a $50/month plan with low copays.
Evaluate extra benefits you'll actually use
Dental, vision, hearing, fitness memberships, and over-the-counter allowances vary widely. Only count benefits you'll realistically use — don't choose a plan for benefits you won't access.
Check the plan's star rating
Medicare rates Advantage plans on a 1–5 star scale based on quality and member satisfaction. Plans with 4+ stars generally provide better care coordination and member experience. Avoid plans with 2 stars or below.
Medicare Advantage vs Medicare Supplement: Which Is Better?
This is the most important Medicare decision you'll make. There's no universal answer — it depends on your health, finances, and priorities.
Medicare Advantage is often better if:
- You're generally healthy
- You want $0 or low premiums
- You want dental/vision/hearing included
- You're comfortable with network restrictions
- You don't travel frequently outside Florida
Medigap is often better if:
- You have chronic conditions
- You want access to any Medicare provider
- You travel frequently or split time between states
- You want predictable, fixed costs
- You see specialists at major medical centers
Medicare Advantage by County
Medicare Advantage by City
Related Medicare Guides
Frequently Asked Questions
What is Medicare Advantage?
How many Medicare Advantage plans are available in Florida?
What is the difference between HMO and PPO Medicare Advantage plans?
Do Medicare Advantage plans cover dental and vision?
What is the Medicare Advantage out-of-pocket maximum?
Can I keep my doctors with Medicare Advantage?
What is prior authorization in Medicare Advantage?
Can I switch from Medicare Advantage back to Original Medicare?
What is a Special Needs Plan (SNP)?
How do I compare Medicare Advantage plans in Florida?
Compare Every Medicare Advantage Plan in Your ZIP Code
William Gray compares all Medicare Advantage plans available in your ZIP code — verifying your doctors, hospitals, and prescriptions before recommending any plan. Free service, no obligation.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY: 1-877-486-2048) to get information on all of your options.
Not affiliated with or endorsed by the U.S. government or the federal Medicare program. This is an advertisement for insurance. William Gray and affiliated licensed agents are independent insurance agents, not government employees or representatives. Medicare has neither reviewed nor endorsed this information.
Not all plans or types of coverage may be available in your area. Plan availability, benefits, and premiums vary by county and ZIP code. Enrollment in any plan depends on contract renewal. Benefits, premiums, and cost-sharing may change on January 1 of each year.
Independent Agent & Compensation Disclosure. William Gray is an independent licensed insurance agent (FL License #W690237) and is not employed by or exclusively affiliated with any single insurance company. William is compensated by insurance carriers when you enroll in a plan. This compensation does not affect the premium you pay — your premium is the same whether you enroll through a broker or directly with the carrier. Affiliated agents are independent contractors solely responsible for their own conduct and representations.