Aetna Medicare Plans in Florida
Star Rating
4 out of 5
Enrollment
3.2M+ members
National Rank
#3
Network Types
HMO, PPO
Aetna is one of the largest Medicare insurance providers in Florida, offering Medicare Advantage, Medicare Advantage with prescription drug coverage, Part D prescription drug plans to beneficiaries across the state. With 4-star ratings and coverage in Miami, Tampa, Orlando and surrounding areas, Aetna serves Florida's 4.5+ million Medicare-eligible residents.
Florida has 54% of Medicare beneficiaries enrolled in Medicare Advantage plans, above the national average. Aetna's Florida plans typically include cvs pharmacy integration and minuteclinic access, making them a strong choice for beneficiaries in the FL market.
The Bottom Line
Aetna is a top-tier choice for Florida Medicare beneficiaries who want cvs pharmacy integration with 4-star rated plans. Compare Aetna options with other Florida carriers to find the best fit for your healthcare needs and budget.
Aetna Pros and Cons
Pros
- CVS pharmacy integration with $0 copays on some drugs
- MinuteClinic access for convenient care
- Strong PPO options with out-of-network benefits
- Good dental and vision coverage
- Resources for Living wellness program
Cons
- Limited presence in some rural areas
- Fewer plan options than UHC or Humana
- Some plans require CVS for preferred pricing
- Customer service reviews are mixed
Aetna Plan Types in Florida
Aetna offers multiple Medicare plan types to Florida residents, each designed for different healthcare needs and budgets:
Medicare Advantage (Part C): Aetna's Florida Medicare Advantage plans combine hospital (Part A), medical (Part B), and usually prescription drug (Part D) coverage into one plan. Many Aetna MA plans in Florida have $0 monthly premiums beyond the Part B premium, with benefits including dental, vision, hearing, and fitness programs.
Medicare Supplement (Medigap): Aetna offers standardized Medigap plans in Florida that work with Original Medicare to cover costs like the Part B coinsurance and deductibles. Popular options include Plan G and Plan N.
Part D Prescription Drug Plans: Aetna's standalone Part D plans in Florida provide prescription drug coverage for those on Original Medicare. Plans vary in formulary coverage and preferred pharmacy networks.
Aetna Provider Networks in Florida
Aetna's Florida Medicare Advantage plans use HMO and PPO networks. Network size and provider participation vary by plan and county.
In Miami and surrounding Miami-Dade County, Aetna networks typically include major health systems. However, provider participation can change annually, so always verify your doctors are in-network before enrolling.
For beneficiaries in Miami, Tampa, Orlando, Jacksonville, Aetna generally offers good hospital and specialist coverage. Rural areas of Florida may have more limited network options, making PPO plans with out-of-network benefits a consideration.
Use Aetna's online provider directory at https://www.aetnamedicare.com/find-a-doctor to verify network participation for any Florida doctor or facility.
Aetna Florida Plan Costs
Aetna Medicare plan costs in Florida vary by plan type, county, and coverage level. Here's what to expect:
Medicare Advantage Premiums: Many Aetna MA plans in Florida offer $0 monthly premiums beyond the Part B premium (often $0). Higher-benefit plans may have premiums of $20-$100+/month.
Out-of-Pocket Maximums: All Aetna Medicare Advantage plans include annual out-of-pocket limits, protecting you from catastrophic costs. Limits typically range from $3,000-$8,000 depending on the plan.
Medigap Premiums: Aetna Medigap plans in Florida average $175-$275/month for Plan G, varying by age, gender, and tobacco use. Rates are typically lower when you enroll during your Medigap Open Enrollment Period.
Aetna Star Ratings in Florida
Aetna's Medicare plans currently hold 4-star ratings (out of 5) from CMS. Star ratings measure quality across categories including:
- Staying healthy (screenings, tests, vaccines) - Managing chronic conditions - Member experience and satisfaction - Member complaints and access to care - Customer service quality
Plans with 4+ stars are considered high-performing and may offer additional benefits. Aetna's above-average ratings in Florida reflect strong performance across these quality measures.
Aetna Key Facts
Frequently Asked Questions
Is Aetna a good Medicare plan in Florida?
Aetna is one of the largest and most established Medicare insurers in Florida with 4-star ratings. Whether it's the best choice for you depends on your doctors, medications, and coverage preferences. Aetna is known for cvs pharmacy integration and minuteclinic access.
Does Aetna Medicare cover my Miami doctors?
Aetna's Florida provider networks include many doctors and hospitals in Miami and surrounding areas. However, network participation varies by specific plan. Always verify your doctors are in-network using Aetna's provider directory before enrolling.
How much do Aetna Medicare plans cost in Florida?
Many Aetna Medicare Advantage plans in Florida have $0 monthly premiums beyond the Part B premium. Costs vary by plan type, benefits, and your county. Aetna Medigap plans typically cost $175-$275/month for Plan G.
Can I switch to Aetna Medicare in Florida?
You can switch to Aetna during the Annual Enrollment Period (October 15 - December 7), during a Special Enrollment Period if you qualify, or during the Medicare Advantage Open Enrollment Period (January 1 - March 31) if you're currently in a Medicare Advantage plan.
Does Aetna offer $0 premium plans in Florida?
Yes, Aetna offers several $0 premium Medicare Advantage plans in many Florida counties. These plans still require you to pay your Part B premium. $0 premium plans may have different benefit levels and cost-sharing than plans with monthly premiums.
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