Best Medicare Advantage Plans in 2025
Choosing the right Medicare Advantage Plan in Florida can be confusing. With so many options, benefits, and coverage details, it’s tough to know which one actually fits your health needs and budget. That’s where Faircare Insurance steps in to make the process clear and simple.
As licensed Medicare specialists in Florida, we’ve done the hard work for you. We’ve compared the top Medicare Advantage plans for 2025 from Aetna, Humana, Cigna, UnitedHealthcare, and Devoted Health. This guide will help you understand how these plans work and make it easier to compare the best options available in your area. Whether you’re enrolling in Medicare for the first time or considering a plan change this year, our goal is to help you make a confident and informed decision with expert support every step of the way
What Are Medicare Advantage Plans?
Medicare Advantage (Part C) plans are all-in-one alternatives to Original Medicare (Parts A and B). They’re offered by private insurance companies approved by Medicare and often include additional benefits that Original Medicare doesn’t cover.
These plans provide the same hospital and medical coverage as Original Medicare — and most include prescription drug coverage (Part D) — all under one convenient plan.
Key Benefits of Medicare Advantage Plans:
$0 or low monthly premiums (depending on your county)
Dental, vision, and hearing coverage
Prescription drug coverage
Fitness programs and wellness benefits
Out-of-pocket protection limits
Coordinated care through local doctors and hospitals
In short, a Medicare Advantage plan gives you comprehensive, affordable, and flexible healthcare coverage — tailored for your unique needs.
At Faircare Insurance, we help you understand each plan type — HMO, PPO, PFFS, or SNP — and guide you toward the one that offers the right balance of benefits and cost.
How We Selected the Best Plans in Florida
Not all Medicare Advantage plans are equal — and the “best” plan depends on your specific healthcare needs. To help you make an informed choice, Faircare Insurance analyzed dozens of plans available across Florida using these key criteria:
✅ Coverage & Benefits
We focused on plans that provide comprehensive medical, hospital, and prescription coverage, plus valuable extras like dental, vision, hearing, and wellness programs.
✅ Cost & Affordability
We reviewed monthly premiums, deductibles, and out-of-pocket maximums to identify plans that offer strong coverage at a reasonable cost — including those with $0 premium options.
✅ Provider Network
Access to quality doctors and hospitals is critical. We selected plans with broad networks covering most of Florida, ensuring you can continue seeing trusted providers.
✅ Medicare Star Ratings
We considered the 2025 CMS Star Ratings, which evaluate plan quality, member satisfaction, preventive care, and customer service. Only plans with 4 stars or higher made our top list.
✅ Member Experience
Customer service and satisfaction are equally important. We reviewed plan ratings and feedback from members to identify insurers with excellent support and claim handling.
✅ Availability in Florida
Our list highlights insurers with strong statewide presence, offering consistent quality across counties including Miami-Dade, Broward, Palm Beach, Tampa, Orlando, and Jacksonville.
💬 Want to know which plan fits your needs?
Book a free Medicare consultation with a Faircare licensed agent today.
Top 5 Medicare Advantage Plans in Florida (2025)
Below is an overview of the top-performing Medicare Advantage plans available across Florida in 2025.
These insurers consistently receive high marks for affordability, network quality, and customer satisfaction.
| Insurer | Plan Type | Monthly Premium | Out-of-Pocket Max | Star Rating (2025) | Highlights |
|---|---|---|---|---|---|
| Aetna Medicare | HMO / PPO | $0–$35 | $4,500–$6,700 | ⭐⭐⭐⭐ | Strong drug coverage, $0 premium options, dental & vision included |
| Humana | HMO / PPO | $0–$40 | $5,000–$7,550 | ⭐⭐⭐⭐½ | Large Florida network, SilverSneakers program, 24/7 nurse line |
| Cigna | HMO / PPO | $0–$35 | $4,800–$7,000 | ⭐⭐⭐⭐ | Excellent customer support, strong preventive care programs |
| UnitedHealthcare (AARP) | HMO / PPO | $0–$50 | $5,500–$7,550 | ⭐⭐⭐⭐⭐ | Huge nationwide network, dental/vision, AARP membership benefits |
| Devoted Health | HMO | $0 | $4,200–$6,200 | ⭐⭐⭐⭐½ | Florida-based company, outstanding local service & bilingual support |
⚠️ Note: Availability, premiums, and benefits may vary by county. Always confirm with a licensed Faircare agent before enrolling.
Best Plans by Category
Because everyone’s healthcare needs are different, here’s how these insurers stand out in specific categories for Florida residents:
🏆 Best Overall Plan: UnitedHealthcare (AARP Medicare Advantage)
UnitedHealthcare offers an exceptional balance of cost, benefits, and network size. Members enjoy dental, vision, and hearing coverage, along with fitness and wellness extras.
💲 Best Low-Cost Option: Aetna Medicare Advantage
Aetna’s $0 premium HMO and PPO options make it ideal for budget-conscious seniors, without sacrificing coverage quality.
💊 Best for Prescription Drug Coverage: Humana
Humana plans include robust Part D coverage, with low copays on generics and mail-order options for convenience.
❤️ Best for Member Satisfaction: Devoted Health
As a Florida-based insurer, Devoted Health is known for personalized customer care, bilingual agents, and top-rated local service.
🏥 Best for Provider Network: Cigna
Cigna offers one of the largest provider networks across the state, making it easy to keep your preferred doctors and specialists.
What’s New for Medicare Advantage in Florida (2025 Updates)
Every year, Medicare Advantage plans evolve — and 2025 brings several important updates Florida beneficiaries should know about:
Expanded $0 premium options: More plans are offering $0 premiums and reduced drug copays.
Bigger wellness benefits: Enhanced coverage for dental, hearing, and vision — including preventive dental cleanings and hearing aid allowances.
Increased telehealth services: Plans continue to expand virtual care options, allowing seniors to see doctors online.
Star rating improvements: Many top Florida plans, including UnitedHealthcare and Devoted Health, have maintained or improved their 4+ star ratings.
Extra savings programs: Some plans now include food cards, transportation, and OTC allowances for qualified members.
🌴 Staying updated ensures you don’t miss out on new benefits or savings. Faircare can help review your options for 2025 — so you’re always getting the most value from your coverage.
How to Choose the Right Plan for You
Finding the “best” Medicare Advantage plan isn’t about picking the one with the most benefits — it’s about finding the plan that fits your life. Here’s how to choose wisely:
Check Your Doctors – Make sure your preferred doctors, specialists, and hospitals are in-network.
Review Your Prescriptions – Compare prescription drug coverage and copay costs.
Evaluate Extra Benefits – Dental, vision, hearing, transportation, and fitness programs can add big value.
Look at Total Costs – Don’t just consider premiums; review out-of-pocket limits and copays.
Consider Flexibility – If you travel often, a PPO plan with out-of-network coverage may be best.
Ask for Expert Help – Faircare’s licensed agents can review your options and guide you to the ideal plan in minutes.
💬 Schedule a free, no-obligation consultation with a licensed Faircare agent today and let’s find the right plan for your needs.
Why Choose Faircare Insurance?
Faircare Insurance isn’t just another agency — we’re your trusted Florida Medicare partner. Our goal is to simplify the process and help you make confident healthcare decisions.
Here’s why thousands of Floridians trust Faircare for Medicare Advantage:
🩺 Licensed Local Experts: Our team knows the Florida Medicare market inside out.
💬 Personalized Guidance: We review your doctors, prescriptions, and budget before recommending any plan.
💸 No Hidden Fees: Our services are 100% free — you’ll never pay more by working with us.
📅 Year-Round Support: We’re here before, during, and after enrollment to help with renewals and changes.
🏆 Trusted Partners: We work with top insurers like Aetna, Humana, Cigna, UnitedHealthcare, and Devoted Health.
🌟 Get the right Medicare Advantage plan for your needs — with Faircare by your side every step of the way.
FAQs About Medicare Advantage Plans in Florida (2025)
❓ What is the best Medicare Advantage plan in Florida for 2025?
The best plan depends on your location and healthcare needs, but top-rated options include Aetna, Humana, Cigna, UnitedHealthcare, and Devoted Health — all offering strong coverage and benefits statewide.
❓ Are there $0 premium Medicare Advantage plans in Florida?
Yes! Many Florida counties offer $0 premium plans with dental, vision, and prescription coverage. Faircare can help you find which $0 plans are available in your ZIP code.
❓ Can I keep my doctor with a Medicare Advantage plan?
Most plans have HMO or PPO networks. If keeping your doctor is important, Faircare can help you choose a plan that includes your preferred providers.
❓ When can I enroll in a Medicare Advantage plan?
The Annual Enrollment Period (AEP) runs from October 15 to December 7, and the Open Enrollment Period (OEP) is January 1 to March 31 each year.
❓ How do I compare plans easily?
You can talk to a licensed Faircare agent who will compare all available plans side-by-side for your county — making it simple and stress-free.
