Table of Contents

Medicare Plans by State

STATE -Select-
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming
Page Reviewed / Updated – September 29, 2022
Reviewed by Dr. Brindusa Vanta, MD

Seniors in the United States have the option of getting comprehensive health coverage from the federal government through a program called Medicare. This program is open to eligible seniors and other adults with qualifying disabilities. In 2020, more than 61 million Americans depended on it for at least some of their health coverage. Florida, with its relatively high population of older adults, is home to more than 4.6 million Medicare participants. The number of people enrolled in Medicare has been steadily increasing for years, with more than 80 million Americans expected to enroll in the program by 2030.

Medicare divides its coverage into two main ways to get care: Original Medicare and Medicare Advantage. Original Medicare is likewise split into three parts, known as A, B and D. Medicare Part A is the inpatient hospital benefit. This is provided at no monthly cost for most beneficiaries, and it helps with most of the cost of hospital services. Part B is Original Medicare’s outpatient benefit, which includes office visits and transportation costs. Part B is offered as a voluntary benefit with a monthly premium. In 2022, the Part B premium is $170.10 a month for most participants. Part D is Medicare’s prescription drug benefit. These plans are offered by private insurers and come in a variety of packages.

Medicare Advantage, also known as Part C, is also offered through private insurance companies. Part C plans combine the coverage of Parts A and B, along with some extra benefits, such as vision, hearing and dental services. Most Part C plans often come with prescription benefits and an annual out-of-pocket maximum that helps protect seniors with limited budgets.

This guide provides helpful information about Medicare for Florida seniors. It offers an overview of plan options, along with enrollment data and a list of resources to help seniors make informed coverage decisions.

Options for Medicare Coverage in Florida

Original Medicare helps 2.4 million Florida seniors pay for their medical care, but it isn’t the only option available. Another 2.2 million seniors in the Sunshine State get their benefits through Medicare Advantage, and many Original Medicare participants choose to supplement their benefits with a Medigap or other supporting insurance plan. Choosing between these various options can get complicated, and it’s helpful to know what’s available.

Original Medicare (Parts A & B)

Original Medicare is administered by the Centers for Medicare & Medicaid Services and is open to seniors aged 65 and over, along with those under 65 years old, but with certain disabilities or end-stage kidney disease. It includes two parts. Part A covers inpatient hospital care, nursing home and skilled nursing care, hospice and home health care. Part B, or medical coverage, pays for medically necessary goods and services such as durable medical equipment, mental health services and emergency medical transportation. 

Unlike most private Medicare plans, Original Medicare’s provider network isn’t limited to the beneficiary’s geographic region, making it easier to obtain services while traveling within the country. In most cases, Medicare doesn’t pay for health services the individual receives outside the United States. 

Under this program, seniors pay for services as they receive them. They must pay an annual deductible, which is $1,556 for Part A and $233 for Part B in 2022. After they’ve paid this amount, Medicare covers all eligible services at 80%. Beneficiaries pay the remaining 20% out of pocket.

Who Should Consider Original Medicare

Original Medicare may be a good option for those who:

  • Travel frequently within the United States
  • Don’t need extra benefits such as home-delivered meals and coverage for over-the-counter medication
  • Want to choose their own prescription drug coverage

Medicare Advantage (Part C)

Over half of Florida’s seniors choose to get their Medicare coverage through Part C, or Medicare Advantage, in 2021. Medicare Advantage plans are issued through private insurance companies that agree to meet minimum Medicare coverage standards. Plans cover nearly all Part A benefits, except hospice care, and Plan B benefits. Many plans also provide prescription drug coverage, over-the-counter assistance and extra benefits not included under Original Medicare, such as dental and vision care. Some Part C plans also help with the cost of non-emergency medical transportation and may come with an annual out-of-pocket cap, both of which Original Medicare lacks.

Medicare Advantage plans come in four basic types: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee-for-Service (PFFS) plans and Special Needs Plans (SNPs). Each of these has its own rules for how to get care, referrals to specialists and primary care. 

Who Should Consider Medicare Advantage 

Medicare Advantage may be a good option for those who: 

  • Want more control over out-of-pocket medical expenses 
  • Need additional benefits such as prescription drug coverage and dental care 
  • Are generally healthy and may benefit from low premiums 
  • Are comfortable with managed care 

The Top 10 Medicare Advantage Plans in California 

Florida seniors have access to a number of highly rated Medicare Advantage packages. The table below lists the top providers in the state, based on the number of enrollees in each. Price data is also included that is accurate as of April 2022. Visit our page on Medicare Advantage Plans in Florida for more information.


Total Enrollment

Star Rating

Min Cost

Max Cost

Plan Types













Aetna Medicare






CarePlus Health Plans, Inc.












Florida Blue






Florida Blue HMO






Freedom Health, Inc.






Simply Healthcare Plans, Inc.






Optimum HealthCare, Inc.






Medicare Prescription Drug Coverage (Part D)

Original Medicare doesn’t pay for most prescription drugs through Part A or B coverage. Instead, seniors purchase separate prescription drug policies, also called Part D coverage. Medicare contracts with private health insurance companies to provide this coverage. There are multiple plans to choose from with varying monthly premiums, which beneficiaries pay in addition to their Original Medicare premiums. While seniors don’t have to purchase prescription drug coverage when they’re first eligible for Medicare, not obtaining this coverage at this time may result in late enrollment penalties they pay for as long as they have Medicare if they enroll later.

Each prescription drug plan has its own formulary, or list of covered drugs. Formularies are typically split up into tiers. The tier a medication is in determines how much the insurance company pays and how much the beneficiary pays for it. Lower-level tiers are usually made up of generic and low-cost brand name drugs, while higher tiers are composed of more expensive brand name and specialty drugs. In most cases, the lower the tier, the lower the policyholder’s cost-sharing responsibility.

Who Should Consider Medicare Prescription Drug Coverage

Seniors who may benefit from prescription drug coverage include those who:

  • Currently take prescription medication or expect to in the future
  • Want to avoid late enrollment penalties
  • Want to reduce out-of-pocket prescription drug expenses

Medicare Supplement Insurance (Medigap)

While Original Medicare provides coverage for many medical costs, seniors may still have significant out-of-pocket expenses. These may include copays, coinsurance and deductibles. Seniors may be able to reduce their cost-sharing obligations by purchasing a Medigap plan. These plans can only be used with Original Medicare. It’s illegal for private insurance companies to sell Medigap plans to those with Medicare Advantage plans.

For more information on Medigap plans, seniors can refer to the Best Medicare Supplement Companies of 2022 page.

Who Should Consider Medicare Supplement Insurance

Good candidates for Medigap may be those who:

  • Have ongoing health issues and expenses
  • Travel overseas often
  • Want to access an expanded network of health care providers
  • Expect to need health services not covered by Original Medicare

Medicare Resources in Florida

Picking through the many Medicare coverage options in Florida can be difficult, and seniors can struggle to get the best coverage to fit their needs. Fortunately, state and private nonprofit agencies are available to help Florida’s older adults put together a combination of benefits that includes the coverage they need. These resources can help seniors find benefits they’re entitled to, submit a successful application for coverage and manage any appeals that may be necessary.

Serving Health Insurance Needs of Elders

Serving Health Insurance Needs of Elders (SHINE) is Florida’s Health Insurance Counseling and Advocacy Program (HICAP). Through SHINE, Florida seniors can learn what they need to know about Medicare, Medicare Advantage, Medigap and other types of health insurance from trained advisors. Program volunteers are available to teach seniors about the enrollment process, how to get adequate prescription drug coverage and the enrollment windows that affect their approval status. SHINE educators can also help determine seniors’ eligibility for Medicare Savings Programs, prescription drug assistance through Extra Help and other low-income supports.

Contact Info

Seniors in Florida can get in touch with a SHINE HICAP counselor by calling (800) 963-5337 or online at SHINE’s web portal.

Visit Website
Area Agencies on Aging

Florida has 11 Area Agencies on Aging (AAA) that provide unique nonprofit services for seniors located in their geographic regions. Through these Agencies, seniors can find specialists who offer helpful advice and counseling on Medicare and other programs. Specialists can advise seniors about health insurance options, help them prepare applications for coverage and handle appeals. Other non-insurance services are also available through Florida’s AAAs, such as civil law advice and case manager services.

Contact Info

Seniors can get in touch directly with their local Agency. The Florida Care Planning Council has an online directory of regional offices in the state.

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Florida Office of Insurance Regulation

Florida’s Office of Insurance Regulation monitors compliance with state laws for health insurance and other types of coverage. The department’s website lists several private companies authorized to offer plans in the state, along with helpful advice about what to look for when shopping for insurance. The department is also responsible for investigating complaints and ensuring fair treatment for Florida’s residents.

Contact Info

Seniors in Florida can contact the Department of Insurance by calling (850) 413-3140. Agents at this number can take complaints and provide referrals to local resources for insurance-related issues. The department is also available on the web.

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Florida Voices for Health

Florida Voices for Health advocates on behalf of Medicare beneficiaries throughout the state and provides valuable information for seniors and families who are new to the program. Volunteers with Voices provide one-on-one counseling about health benefits to help seniors find and apply for the Medicare and related programs that fit their needs. The organization publishes fact sheets as primers for understanding Medicare as well as the privately issued Medicare Advantage, Part D and Medigap programs. Staff can also assist with signing up for Medicaid and offer referrals to other senior resources.

Contact Info

Seniors and their families can reach Florida Voices for Health by calling the statewide hotline at (850) 296-7433. The organization also has useful information and a contact form online through its website.

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Senior Medicare Patrol

Florida’s Senior Medicare Patrol is an all-volunteer organization that monitors cases of alleged Medicare fraud and waste. Volunteers at SMP help Medicare beneficiaries identify and report potential benefits fraud, suspicious charges and invoices for medical equipment and services that were not provided. Seniors who believe they may have been the victims of fraud or may have seen a case of fraud can call SMP and report their suspicions. SMP volunteers can also educate seniors about staying safe and preventing medical fraud from negatively affecting their Medicare benefits.

Contact Info

Seniors in Florida can reach SMP by calling (850) 414-2125 and speaking with a volunteer. They can also visit the SMP website or get in touch by sending an email to [email protected].

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Social Security Administration

The Social Security Administration (SSA) is the primary federal entity responsible for administering Medicare and other senior benefits. The Administration’s website offers a wealth of information to help seniors understand Medicare’s structure, how its various parts work together and how to access the benefits they are entitled to receive. The SSA’s web portal has information about eligibility standards as well as a convenient eligibility calculator to help seniors find programs they may qualify for, such as Medicare Savings Plans.

Contact Info

Seniors looking for information and eligibility assessment can access the SSA’s services through the agency’s online hub. The agency can also be reached by phone at (800) 772-1213.

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