Best Medicare Advantage Plans Florida

Click to find a Medicare agent in Florida

Looking to find the best Medicare Advantage plans Florida? That’s not easy. Because according to the American Association for Medicare Supplement Insurance there are 613 Medicare Advantage (MA) plans available in Florida (2024). The availability of MA plans varies by county.

In some Florida counties seniors have 16 Medicare Advantage plans to compare. In other Florida counties seniors have as many as 62 different Medicare Advantage plans available. Some cost money while others are $0-premium Medicare Advantage plan.

Several large insurance providers dominate the Medicare Advantage market in Florida.

The largest Medicare Advantage plan providers in 2024 according to the American Association for Medicare Supplement Insurance are:

• UnitedHealthcare
• Humana
• Aetna
• Wellcare
• Cigna

2024 Medicare Advantage and Medicare Information

3 Tips To Find The Best Medicare Advantage Plans Florida

Finding the Best Medicare Advantage plan in Florida can be a daunting task. Why is it so hard? Because there are many plan and plan options available. That’s good. But also can be confusing.

Here are some tips shared by leading Medicare Advantage experts. Hopefully they will help you navigate this process effectively:

1. Assess Your Current Healthcare Needs & Think About Possible Future Needs

• List Your Current Medical Conditions: Identify any chronic conditions or ongoing health issues that require regular care.
• Consider Your Providers: Make a list of your preferred doctors and hospitals. Especially if you want to make sure they are included in a plan’s network.
• Evaluate Prescription Medications: Compile a list of all medications you take regularly. Because you’ll want to check their coverage under potential plans.
• Think About Possible Future Health Needs. Understandably that’s hard to do. But you want a plan that will suit your future needs. For example, can you see specialists?

2. Understand Plan Costs

• Monthly Premiums: Compare the monthly premiums of different plans. While many plans offer $0 premiums, consider overall costs. They can come into play when you actually need care.
• Out-of-Pocket Maximums: Certainly check a plan’s maximum out-of-pocket costs. Especially important if you anticipate needing frequent medical care.
• Copayments and Coinsurance: Review how much you will pay for doctor visits. Are specialist consultations permitted. How much will you pay? What about costs for hospital stays.

3. Review Coverage Options

• Standard Benefits: Ensure that the plan covers all services provided by Original Medicare (Part A and Part B). They almost assuredly will. If not, there’s an issue!
• Additional Benefits: Check for extra benefits such as dental, vision, hearing services, transportation assistance, and wellness programs. But ask questions because the levels of coverage will vary greatly here.
• Prescription Drug Coverage (Part D): Confirm that your medications are covered and understand the formulary tiers.

3 More Tips

4. Check Star Ratings

• Medicare Star Ratings: Use the Medicare star ratings provided by CMS to evaluate plan quality. Plans rated 4 stars or higher typically indicate better performance in member satisfaction and service quality.
• Member Reviews: Look at third-party reviews or studies on member satisfaction to gauge experiences with specific providers.

5. Ask About All Network Restrictions

• In-Network vs. Out-of-Network Care: Understand how your plan handles out-of-network care. HMO plans usually require referrals and limit coverage outside their network, while PPOs may offer more flexibility but at a higher cost.
• Specialist Referrals: Determine if you need referrals to see specialists within your chosen plan.

6. Consult with Experts

• Insurance Agents or Brokers: Consider speaking with licensed insurance agents who specialize in Medicare Advantage plans. Because they can provide personalized guidance based on your health needs and financial situation.

Find Medicare Agents Florida for the following Zip Codes

Use the free online directory to find Medicare insurance agents in Florida. Medicare insurance agents for Zip Codes:

34787,
34953,
33311,
33411,
33024,
33177,
33157,
33065,
33176,
33414,
33023,
33442,
33993,
33905,
33186,
33177,
32128,
33713,
33647,
34203,
32162,
33544,
34655,
34741,
32712

Find Medicare Agents Florida for the following Cities

Use the free online directory to find Medicare insurance agents in Florida. Medicare Advantage and Medigap insurance agents for Florida cities:

Jacksonville,
Miami,
Tampa,
Orlando,
St. Petersburg,
Port St. Lucie,
Cape Coral,
Hialeah,
Tallahassee,
Fort Lauderdale,
Pembroke Pines,
Hollywood,
Gainesville,
Miramar,
Palm Bay,
Coral Springs,
West Palm Beach,
Lakeland,
Clearwater,
Pompano Beach,
Miami Gardens,
Davie,
Palm Coast,
Boca Raton,

Click here to find Medicare Advantage agents in Florida

Read our pages with questions to ask Medicare agents.

How long have they been selling Medicare plans?

Which Medicare Advantage plans do they market?

Best Medicare Advantage Plans Florida by Jesse Slome,  American Association for Medicare Supplement Insurance
July 29, 2024 – 6 Minute Read – Reviewed: AAMSI

Medicare Insurance Information Statistics Resources

Access relevant Medicare insurance statistics and information using these links.

Another key report to check is the 2024 Medicare Supplement Price Index – PLAN G. See the lowest and highest premium rates for top-10 U.S. markets.

Secondly compare PLAN N Price Index rates. Lowest and highest rates for top-10 U.S. cities.

Especially research ways to find the best Medicare insurance plan.

Likewise valuable info is our Medicare Supplement insurance statistics – what plans people turning age 65 choose.

Lastly find best long-term care insurance costs – free insurance quotes.

About The American Association

The American Association for Medicare Supplement Insurance (AAMSI) is an organization established in 1999 with the primary goal of enhancing consumer understanding of Medicare Supplement (Medigap) Insurance. AAMSI also aims to support insurance professionals who market Medicare insurance solutions. The association does not directly sell or market Medicare Advantage, Medicare Supplement insurance or Medicare drug plans. But we strive to provide valuable resources and information to consumers and insurance agents in the industry.

Jesse Slome, the founder of AAMSI, serves as the director. He has also been involved in establishing other insurance organizations focused on long-term care insurance and critical illness insurance.

A key initiative of AAMSI is maintaining the nation’s premier independent online directory of local Medicare insurance agents, known as the Medicare Supplement Find An Agent online directory. This directory is a free service for consumers where insurance agents pay a nominal fee to be listed. It is important to note that AAMSI does not screen, vet, or endorse any agents listed on the directory. Consumers are advised to ensure that they work with properly licensed insurance professionals and carefully review all information provided.