Medicare Advantage Plans in Florida — Compare Your Options for 2026
Medicare Advantage (Part C) combines your hospital, medical, and often drug coverage into one plan — sometimes at $0 premium. A licensed Florida advisor will help you find the right plan for your doctors, medications, and budget.
What is Medicare Advantage?
Medicare Advantage is an alternative to Original Medicare offered by private insurers approved by Medicare. It must cover everything Original Medicare covers, and most plans include extra benefits like dental, vision, and hearing. In Florida, $0 premium plans are widely available.
How Medicare Advantage Works in Florida
Medicare Advantage plans are offered by private insurance companies — like Humana, UnitedHealthcare, and Aetna — that contract with Medicare to provide your Part A and Part B benefits. Most plans also include Part D prescription drug coverage.
In Palm Beach County and across Florida, there are dozens of Medicare Advantage plans available each year. The plans, premiums, networks, and benefits change annually — which is why a review every year matters.
What Medicare Advantage Covers
- Hospital stays (Part A)
- Doctor visits and outpatient care (Part B)
- Prescription drugs (Part D — included in most plans)
- Dental, vision, and hearing (extra benefits)
- Fitness memberships (many plans)
- Transportation to medical appointments (some plans)
- Over-the-counter allowances (some plans)
What Medicare Advantage Does NOT Cover
- Care outside your plan's network (except emergencies)
- Services requiring prior authorization that is denied
- Coverage when traveling outside the U.S. (limited exceptions)
Types of Medicare Advantage Plans
HMO
Health Maintenance Organization
Most common in Florida. Requires using in-network doctors. Usually lowest premium. Requires referrals to see specialists.
Good for: People with established local doctors in-network.
PPO
Preferred Provider Organization
More flexibility — can see out-of-network doctors at higher cost. No referrals needed. Higher premium than HMO.
Good for: People who want flexibility or travel frequently.
PFFS / SNP
Private Fee-for-Service / Special Needs
PFFS: plan sets terms for any doctor who accepts them. SNP: for people with chronic conditions, dual Medicare/Medicaid eligibility, or institutional needs.
Good for: People with specific health conditions.
Medicare Advantage vs. Original Medicare — At a Glance
| Feature | Medicare Advantage | Original Medicare |
|---|---|---|
| Monthly Premium | Often $0 | Part B: ~$185/mo |
| Network | In-network required | Any Medicare provider |
| Drug Coverage | Usually included | Requires separate Part D |
| Extra Benefits | Dental, vision, hearing | Not included |
| Out-of-pocket max | Yes (cap on your costs) | No cap |
Is Medicare Advantage Right for You?
Medicare Advantage tends to work best when:
- Your preferred doctors are in the plan's network
- You want lower monthly premiums
- You want dental, vision, and hearing coverage included
- You are generally healthy and don't anticipate high out-of-pocket costs
Medicare Supplement (Medigap) may be better when:
- You want to see any doctor without network restrictions
- You have ongoing health conditions requiring frequent specialist visits
- You want predictable costs regardless of how often you use care
Not sure which is right? See our full comparison: Medicare Advantage vs. Supplement
Medicare Advantage Plans Available in Palm Beach County
Palm Beach County residents have access to plans from:
Plans and availability change each year. A licensed local advisor can tell you exactly which plans are available in your zip code and which ones include your doctors.
Find Out Which Advantage Plans Are Available in Your Zip Code
Frequently Asked Questions About Medicare Advantage in Florida
Find Out Which Advantage Plans Are Available in Your Zip Code
A licensed Florida advisor will help you find the right Medicare Advantage plan for your needs.