Cost of Medicare Advantage Plans in Florida (2025 Guide)
If you're a Florida resident approaching retirement or already enrolled in Medicare, you’ve likely come across Medicare Advantage Plans — also known as Medicare Part C. These plans combine the benefits of Original Medicare (Parts A and B) with additional perks like dental, vision, hearing, and wellness programs.
But how much do these plans actually cost in Florida? In this guide, we’ll break down the average pricing, what affects your premiums, and how to choose the right Florida Medicare Plan for your needs.
Average Cost of Medicare Advantage Plans in Florida
The cost of a Florida Medicare Plan can vary based on your county, the insurance provider, and the coverage options you choose. Here’s a general idea of what to expect:
| Plan Type | Monthly Premium (2024 Average) | Out-of-Pocket Maximum |
|---|---|---|
| HMO | $0 – $30 | $3,400 – $7,550 |
| PPO | $25 – $80 | $4,500 – $11,000 |
| PFFS | $30 – $70 | Varies by plan |
| Special Needs Plan (SNP) | Often $0 | $3,400 – $7,550 |
Note: Many Florida Medicare Plans offer $0 premium options, but you’ll still need to pay your Medicare Part B premium (which is $174.70 per month in 2024).
What Affects the Cost of a Medicare Advantage Plan?
Several factors influence the price of your Medicare Plans
County of ResidencePlan availability and pricing vary by county in Florida. Popular regions like Miami-Dade and Broward typically have more competitive options Type of Plan
HMO plans usually have lower premiums than PPOs because they require you to use a network of doctors and hospitals.
Additional BenefitsPlans with extra services like dental, vision, transportation, or wellness programs might have higher premiums.
Prescription Drug Coverage (Part D)
If you choose a plan that includes drug coverage, it can impact your monthly premium and deductible.
Out-of-Pocket Maximum
A lower out-of-pocket maximum may result in a higher monthly premium but offers more financial protection.
Is a Medicare Advantage Plan Right for You?
If you’re looking for an affordable, all-in-one Florida Medicare Plan that offers additional benefits not covered by Original Medicare, a Medicare Advantage Plan might be the perfect fit. Many Florida residents appreciate the convenience, lower out-of-pocket costs, and extra benefits these plans offer.
Before enrolling, it’s important to compare available plans in your area, review the costs, and understand the coverage details. You can work with a licensed insurance agent or visit Medicare’s official plan finder tool to explore your options.
How to Choose the Right Florida Medicare Plan?When selecting a plan, consider these steps:
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Compare costs and coverage options in your county
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Check which doctors and hospitals are in the plan’s network.
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Review the plan’s drug formulary if you take prescription medications.
- Evaluate extra benefits and decide which are valuable to you.
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Review the plan’s star rating (Medicare assigns a quality rating out of 5).
Final Thoughts
The cost of Medicare Advantage Plans in Florida varies based on your location, plan type, and the coverage extras you choose. While many plans offer affordable or even $0 premiums, it’s essential to review all associated costs — including co-pays, deductibles, and out-of-pocket maximums.
Finding the right Florida Medicare Plan means balancing premium costs with the benefits and network access that fit your lifestyle. Take the time to compare options, check networks, and consider future healthcare needs when making your choice.
