Medicare

Best Cheap Medicare Plans in Florida 2022

Best Cheap Medicare Plans in Florida 2022

Find Cheap Medicare Plans in Your Area

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In Florida, the average cost of Medicare Advantage is $23 per month, and the average cost of Medicare Part D is $47 per month.

When comparing Medicare plans in Florida, several insurers rise to the top because they offer a good value on coverage, have strong customer satisfaction, and are widely available. We recommend UnitedHealthcare Medicare Advantage as our best overall pick for those looking for a unified Medicare plan. If you're only looking for prescription drug coverage, CVS/Aetna Medicare Part D is our top pick in Florida.

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  • $0 plans available across the state
  • Well rated on Medicare.gov
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  • Average cost is $32 per month
  • Has benefits like free Tier 1 drugs

How we chose these Medicare plans

Our data-backed recommendations are based on Florida Medicare policy comparisons for average cost, star ratings, coverage, availability, customer satisfaction and plan details. When there was a tie, we deferred to the plan that has the best-rated parent company.

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Best Florida Medicare Advantage plans

Medicare Advantage, also called Medicare Part C, is a popular way to simplify coverage by providing a single policy for medical care, hospitals, prescription drugs and other health care benefits. In Florida, about 51% of Medicare enrollees are signed up for a Medicare Advantage plan.

Remember that many Medicare Advantage plans are available for a $0 premium, but the benefits, coinsurance and deductible amount will vary. The cheapest plan for you will match your health care needs to the level of benefits offered. If you expect to have high-cost medical needs, you can save money by choosing a policy with a small deductible and lower coinsurance.

Best overall Medicare Advantage in Florida: UnitedHealthcare/AARP

  • Free plans available in every Florida county
  • Large network of doctors and providers
  • Slightly lower customer satisfaction
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UnitedHealthcare/AARP is our pick for the best Medicare Advantage plans in Florida. Whether the policy name says AARP or UnitedHealthcare, the plan is administered through UnitedHealthcare.

In Florida, the average cost of a Medicare Advantage plan from UnitedHealthcare is $16 per month, and the company offers $0 plans in every county.

UnitedHealthcare is a large insurance company that gives you an expansive network of 1.3 million health care professionals and 6,500 hospitals and medical facilities. This maximizes your choice of doctors, whether you're in Florida or traveling. Plus, the company is well rated on Medicare.gov, with an above-average score of 3.8 stars nationwide.

The downside is that the company has a slightly higher rate of complaints. According to the National Association of Insurance Commissioners (NAIC), UnitedHealth Group has 22% more complaints than is typical for an insurer of its size.

The company also received a below-average score on J.D. Power's survey of Medicare Advantage customer satisfaction. UnitedHealthcare's score was 795, while the industry average was 806.

Read more: UnitedHealthcare insurance review

Top-rated Medicare Advantage in Florida: Capital Health Plan
  • 5 stars on Medicare.gov
  • Only available in seven FL counties
  • Best-rated plans in Florida by NCQA
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Capital Health Plan (an affiliate of Blue Cross Blue Shield and Guidewell) is ranked as the best Medicare Advantage provider in the state across several metrics. Keep in mind there is limited availability because plans are only available in seven counties: Calhoun, Franklin, Gadsden, Jefferson, Leon, Liberty and Wakulla.

However, if you live in the Tallahassee region where Capital Health Plan is available, you'll have access to top-rated coverage. On Medicare.gov, the company has five out of five stars, which few companies achieve. It's also the best-rated insurance company in Florida, according to the National Committee for Quality Assurance (NCQA). Its overall score is 4.5 out of five, and the company received five stars for access to care, coordination of care and satisfaction with services.

There are three HMO plans available in each county. Silver Advantage is the cheapest plan, costing $0 per month. The Advantage Plus plan costs $35 per month, and the Preferred Advantage plan is $97 per month.

Most popular Medicare Advantage in Florida: Humana
  • 19% of Florida enrollees have Humana Gold Plus
  • Multiple plan choices in every county
  • Mixed reviews on customer satisfaction
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Humana is the most popular Medicare Advantage provider in Florida, with 19% of enrollees having the Humana Gold Plus HMO plan. Another 9% of enrollees have HMO plans from the Humana subsidiary, CarePlus CareOne.

Humana plans are widely available in Florida, with multiple options across all 67 counties.

The company is well rated on J.D. Power's customer satisfaction survey for Medicare Advantage enrollees. Its score was 822, higher than the industry average of 806.

However, the company has a high rate of complaints. According to 2020 data from the National Association of Insurance Commissioners (NAIC), Humana had about 31% more complaints than is typical for an insurer of its size. This is calculated by taking a weighted average across all of Humana's subsidiaries.

Read more: Humana health insurance review

Florida Medicare Advantage quality and cost comparison

The best Medicare Advantage plan for you will be one that's available in your area, has a price that fits your budget and has a high star rating. While $0 policies are available from every insurer, only Florida Blue, UnitedHealthcare and Humana offer these in every Florida county.

Company

Average monthly cost
Star rating
Number of counties with $0 policies

Capital Health Plan (Guidewell)

$445.07
CarePlus Health Plans (Humana)$45.018
Freedom Health Inc. (Anthem)$104.027
Optimum HealthCare (Anthem)$144.024
Simply Healthcare Plans (Anthem)$144.011
AvMed Medicare$04.02
Show All Rows

Average cost is based on Medicare Advantage plans in Florida with prescription drug coverage, and the star rating is the national average on Medicare.gov.

Most popular Medicare Advantage plans in Florida

Even though there are dozens of plans to choose from, 53% of all Medicare Advantage policyholders in Florida are enrolled in just five plans.

Medicare Advantage plan
Popularity in Florida
Humana Gold Plus19%
UnitedHealthcare Preferred Choice11%
Humana CarePlus CareOne9%
UnitedHealthcare Nursing Home Plan8%
WellCare Dividend6%

Enrollment as a percentage of all Medicare Advantage policyholders in Florida.

How to choose the best Medicare Advantage plan for you

  1. Compare quotes on the plans available in your area to find the best quality plan at the lowest cost.
  2. Match your health care needs to your plan selection so you're getting the best deal on the total cost of your health care and insurance.
  3. Consider the plan's specialty care components if you want to make sure you have coverage for skilled nursing, physical therapy, dental care or something else.
  4. Review HMO plans if you want cheaper rates for in-network doctors and facilities. But note that these plans usually require referrals from a primary care physician before going to a specialist.
  5. Check that your medications are covered by the company's drug formulary so you can minimize how much you pay out of pocket for prescription drugs.
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Best Medicare Part D plans in Florida

Medicare Part D is a standalone plan for prescription coverage, and the average cost of Medicare Part D in Florida is $18 per month.

We recommend that all Medicare enrollees have some type of prescription drug coverage because medication costs can add up quickly. For example, cancer medications can cost more than $10,000 per month without insurance.

Part D plans are a good choice if you are enrolled in a Medicare plan that doesn't include prescription drug coverage such as Medicare Part A, Part B or Medigap. Most Medicare Advantage plans include prescription drug coverage, but if your plan doesn't, you can add a standalone Medicare Part D plan.

Even though Humana is our nationwide pick for the best Medicare Part D provider, Florida has even more great options to consider for getting high-quality prescription coverage at affordable rates.

Best overall Medicare Part D in Florida: CVS/Aetna/SilverScript
  • 3.8 stars on Medicare.gov
  • $32 per month average cost
  • Free Tier 1 prescription drugs
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CVS Health and its subsidiaries, Aetna and SilverScript, offer Medicare Part D plans in Florida that are a good value, balancing strong ratings with reasonable costs.

The company's Part D plans have an average of 3.8 stars on Medicare.gov. That puts it as the second-best rated plan in Florida. And it's a good deal, costing 45% less than the top-rated plan, at about $32 per month.

CVS Health is also the most popular Medicare Part D provider in the country, with 23% of all enrollments.

Plus, the benefits are strong. All plans offer free 30-day supplies of Tier 1 drugs after you meet your deductible, making your regular medications more affordable. Enrollees get access to CVS Caremark, a great digital platform for managing your prescription drugs. One downside is the mail-order pharmacy program, which is poorly ranked by J.D. Power.

Read more: Aetna health insurance review

Cheapest Medicare Part D in Florida: Clear Spring Health
  • $20 per month average cost
  • Affordable generic drugs
  • Only 3.0 stars on Medicare.gov
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Clear Spring Health is not as well known, but it stands out among Florida insurers for its affordable Part D prices.

In Florida, the average cost of a Clear Spring Medicare Part D plan is $20 per month, which is 57% cheaper than average. Plus, you can get a plan for as little as $13 per month with a $445 drug deductible.

These affordable plans can also provide good coverage, helping you reduce your prescription drug costs. With the Clear Spring Health Premier Rx plan, generic drugs are not subject to a deductible. If you go to a preferred pharmacy, you would pay between $1 and $3 to fill a prescription for a 30-day supply of generic medications.

With these cheap plans, the tradeoff is that the company is not as highly rated. It has a rating of 3.0 stars on Medicare.gov, which is lower than many other options. This means enrollees could face frustrations with prescription coverage or customer service.

Top-rated Medicare Part D in Florida: United Healthcare/AARP
  • 3.9 average star rating
  • $59 per month average cost
  • Strong coverage and benefits
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Prescription drug plans from AARP/UnitedHealthcare are the best-rated plans in the state, with a 3.9-star average. However, costs are also high, averaging $59 per month in Florida.

The company offers three prescription plans in Florida. The cheapest is the AARP MedicareRx Walgreens, which costs an average of $35 per month. The best coverage is through the AARP MedicareRx Preferred plan, which costs about $89 per month, but there is no deductible to meet.

AARP has a marketing relationship with UnitedHealthcare, so even if your plan says AARP, you are getting insurance through UnitedHealthcare.

UnitedHealthcare is a large insurance company, giving you coverage and brand recognition across the country. However, the overall company receives 22% more complaints than is typical for an insurer of its size, according to the NAIC.

How to choose the best Medicare Part D plan for you

  1. Match your prescription needs to your plan choice by comparing plans according to your total out-of-pocket costs. For example, you may have lower overall costs if you spend more on monthly premiums for a Part D plan to get better prices on medications.
  2. Check the plan’s drug formulary to make sure you'll have coverage for medications you take regularly.
  3. Look for convenience benefits such as prescription delivery and easy plan management.
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Medicare Part D provider
Average cost in Florida
Star rating
Clear Spring Health$203.0
Aetna Medicare (CVS)$323.8
WellCare (Anthem)$35N/A
Cigna$383.7
Humana$433.8
Express Scripts Medicare$463.5
Mutual of Omaha Rx$562.5
UnitedHealthcare$593.9
Elixir Insurance (Rite Aid)$623.5
Florida Blue (Guidewell)$1233.3

Star ratings are the national average for Medicare Part D plans.

Florida Medicare enrollment statistics

Medicare enrollees in Florida: 4.6 million

Number of Medicare providers operating in Florida: 36

Average monthly cost in Florida:

  • Medicare Advantage: $22.80
  • Medicare Part D: $47.28

Medicare Advantage Enrollment (enrollment as a percent of all Medicare beneficiaries)

  • National average: 42%
  • Florida: 51%
  • Miami-Dade County: 73%
  • Broward County: 61%
  • Palm Beach County: 44%
  • Sarasota County: 37%
  • Okaloosa County: 25%
  • Monroe County: 16%
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Frequently asked questions

What is the best Medicare Advantage plan in Florida?

We recommend AARP/UnitedHealthcare Medicare Advantage as the best overall provider in Florida. The company offers $0 plans in all of Florida's 67 counties. Plus, it is well rated and has in-network providers across the country.

How do you apply for Medicare in Florida?

You can apply for Medicare through the Social Security Administration, and if you're eligible, you'll receive a Medicare card. When you want to enroll in a plan, you can sign up through Medicare.gov or directly through an insurance company.

Can you apply for Medicare online in Florida?

Yes, Florida residents can sign up for Medicare online and request price quotes to compare coverage options. We recommend signing up for Medicare during your initial enrollment period when you turn 65, and then you can update your coverage each fall during open enrollment.

How many people have Medicare Advantage plans in Florida?

Approximately 51% of Medicare beneficiaries in Florida have a Medicare Advantage plan. The rate is higher in some counties. For instance, Medicare Advantage subscribers total 73% in Miami-Dade County. Other counties, like Okaloosa, have just 25% of beneficiaries enrolled in a Medicare Advantage plan.

Methodology

Cost, quality and enrollment data for Medicare Part C and Part D was sourced through the Centers for Medicare & Medicaid Services (CMS) public use files. Comparisons used the most recent data available at the time this article was created. Note that quality data reflects nationwide averages by company, while costs and enrollment are specific to Florida.

Our analysis also uses complaint data collected by the National Association of Insurance Commissioners (NAIC) and Medicare ratings for plans from the National Committee for Quality Assurance (NCQA).

We also looked at survey data from J.D. Power, including the Medicare Advantage Study on customer satisfaction and the Pharmacy Study.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.