If you’re exploring Medicare plans Florida offers, you’re taking a great step toward making healthcare less confusing. At its core, Medicare comes in a few main flavors: Original Medicare (Parts A and B), Medicare Advantage plans in Florida (Part C), and standalone Medicare plans in Florida like Part D or Medigap supplements.
Original Medicare is provided by the federal government and covers hospital stays (Part A) and outpatient care (Part B). But because these parts often leave gaps—like prescription drug costs—you’ll hear about other options too. That’s where Medicare plans in Florida come in to bridge those gaps and add extra perks.
Original Medicare vs. Medicare Advantage Plans in Florida
Choosing between Original Medicare and Medicare Advantage plans in Florida can feel like comparing apples and oranges—but here’s the friendly breakdown.
Original Medicare gives you freedom to visit any doctor or facility that accepts Medicare. However, you still face out-of-pocket costs like deductibles and coinsurance. Many people supplement this with Medigap (Medicare Supplement) or a separate Part D drug plan.
On the other hand, Medicare Advantage plans in Florida (Part C) are private-insurer alternatives that bundle Parts A and B—and usually Part D too—into one plan. These plans often include extras like dental, vision, hearing, and fitness programs. They also come with an out-of-pocket maximum to help shield you from high yearly medical bills.
You still pay your Part B premium, but some Advantage plans offer $0 extra monthly cost and can be a smart choice if you prefer convenience and added services.
What Options Exist Among Medicare Plans in Florida?
Let’s map out the playing field of Medicare plans in Florida you can choose from:
Original Medicare (Parts A & B)
Covers hospitalization and outpatient services. Reliable, flexible, and widely accepted—but may leave you with out-of-pocket expenses.
Medicare Advantage Plans in Florida (Part C)
Offered by private insurers, these plans bundle essentials and extras. In 2025, Florida has 613 Medicare Advantage plans—up from 592 in 2024—and all Medicare-eligible residents can access at least one with $0 premium.
Advantage plans might include enhanced coverage like dental, vision, hearing, and even fitness perks. For example, Humana plans often add dental, vision, and hearing benefits.
Part D – Prescription Drug Plans
These plans cover medications and can either be standalone or included within Advantage plans. Florida offers multiple Part D plans, including some with $0 premiums.
Medigap (Supplemental Insurance)
These plans help cover out-of-pocket costs left by Original Medicare—like co-pays, coinsurance, and deductibles—and are sold by private insurers.
How Much Do Medicare Advantage Plans in Florida Cost?
Good news: Many Florida residents can find Medicare Advantage plan in Florida options with no extra monthly premium beyond what you already pay for Part B. In 2025, the average premium dropped to about $4.33—down from $10.09 in 2024.
These plans also cap your out-of-pocket spending, offering a safety net if unexpected medical needs arise.
Who Offers Medicare Advantage Plans in Florida?
There’s a wide range of trusted names providing Medicare Advantage plans in Florida:
- Aetna
- Cigna
- Florida Blue
- Humana
- UnitedHealthcare
- CarePlus
- Devoted Health
- Optimum HealthCare
- Simply Healthcare
- BayCare
- HealthSun
- Leon Health
- Freedom Health
Some providers have earned 5-star ratings from CMS, including HealthSun, Leon Health, Optimum HealthCare, and UnitedHealthcare. Others like Aetna, Devoted Health, and Simply Healthcare offer solid 4.5 stars.
Why Compare Medicare Plans in Florida? Here Are Key Factors
Here’s what to keep in mind when reviewing Medicare plans Florida:
- Costs: Look beyond the premium—compare copays, coinsurance, deductibles, and out-of-pocket max.
- Your doctors: If having the freedom to see your current providers matters, check network restrictions. Some Advantage plans use HMOs or PPOs.
- Extra benefits: Dental, vision, hearing, fitness—if these matter to you, Advantage plans often deliver.
- Prescription coverage: Confirm whether drug coverage is included or if you’ll need a separate plan.
- Ratings and service: Top ratings come from providers like UHC and HealthSun—good to know when choosing.
- Enrollment periods: You can enroll during your initial period, or during the Annual Enrollment (Oct 15–Dec 7).
Florida also offers free counseling through the SHINE program, part of the SHIP system—it’s a great local resource if you prefer personalized guidance.
How L. Thomas Insurance Helps With Medicare Plans in Florida
If you’re navigating Medicare plans Florida has available and feeling unsure where to start, L. Thomas Insurance is ready to help. They offer free, licensed advice, comparing Medicare Advantage, Supplement, and Part D plans to help you find better benefits and lower costs.L. Thomas InsuranceFacebookhttps://livepositively.com/
Their friendly team—based in Fort Myers—can guide you step by step, helping match plan features to your health needs, prescription requirements, and local providers.
Final Thoughts
Whether you’re exploring Medicare plans in Florida or specifically Medicare Advantage plans in Florida, you’ve got options—and help is available. Original Medicare offers broad access. Advantage plans bundle benefits and cost savings. Supplements and Part D fill in the blanks. And local help? That’s just a call away with L. Thomas Insurance.
