County guide · DeSoto County, FL · 2027 plan year
Original Medicare vs Medicare Advantage in DeSoto County, FL
This guide lists 21 Medicare Advantage plans for 2027 in DeSoto County, with the yearly cost of each one next to Original Medicare with Medigap. Special needs plans are not on this list.
Pinnie Direct is a free text line. Pinnie does not sell plans.
- Plans
- 21
- $0 premium
- 20 plans
- Lowest in-network limit
- $2,900
- Highest in-network limit
- $9,850
In most states, including Florida, you cannot count on getting Medigap later
You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. After that, a Medigap company in Florida can ask about your health. It can say no, or it can charge you more. So if you join a Medicare Advantage plan now, you may not be able to get Medigap later.
One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.
Read about Medigap rights on Medicare.govYearly cost of each plan
Totals include premiums, the Part B premium, copays, and drug costs for three levels of care. A light year is checkups and a few visits. A regular year has ongoing specialist care. A heavy year has frequent care and a 5-day hospital stay.
| Plan | Monthly premiums | Yearly limit on medical costs | Stars | Prior authorization | Light year | Regular year | Heavy year |
|---|---|---|---|---|---|---|---|
| Original Medicare with Medigap Plan Gand the lowest-cost drug plan | Part B $209.50 + Plan G from $201 + a drug plan from $5.30 | $292 Part B deductible, then Plan G pays | Not rated | Short list of services | $5,277 | $7,452 | $7,677 |
| DEVOTED GIVEBACK 032 FL (HMO)HMO from Devoted Health · Plan ID H1290-032 · Medicare.govIts page is set for Sarasota County, FL | $0 plan + Part B $209.50 (the plan pays back $202 of Part B) | $7,150 in network | 4.5 of 5 | 24 services | $510 | $4,022 | $9,640 |
| Humana Gold Plus Giveback H1036-278 (HMO)HMO from Humana · Plan ID H1036-278 · Medicare.govIts page is set for Lee County, FL | $0 plan + Part B $209.50 (the plan pays back $84.60 of Part B) | $4,400 in network | 4.5 of 5 | 24 services | $1,549 | $4,477 | $8,299 |
| Humana Gold Plus H1036-217 (HMO)HMO from Humana · Plan ID H1036-217 · Medicare.govIts page is set for Lee County, FL | $0 plan + Part B $209.50 (the plan pays back $1 of Part B) | $3,800 in network | 4.5 of 5 | 24 services | $2,512 | $4,676 | $8,647 |
| DEVOTED CHOICE GIVEBACK 016 FL (PPO)PPO from Devoted Health · Plan ID H9884-016 · Medicare.govIts page is set for Lee County, FL | $0 plan + Part B $209.50 (the plan pays back $166.70 of Part B) | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $966 | $4,763 | $10,064 |
| Humana Essentials Plus Giveback (PPO)PPO from Humana · Plan ID H7617-126 · Medicare.govIts page is set for Hillsborough County, FL | $0 plan + Part B $209.50 (the plan pays back $92 of Part B) | $7,150 in network; $10,750 in and out of network | 4.5 of 5 | 24 services | $2,020 | $5,241 | $10,960 |
| Aetna Medicare Signature Legacy (PPO)PPO from Aetna Medicare · Plan ID H5521-272 · Medicare.govIts page is set for Lee County, FL | $0 plan + Part B $209.50 | $5,500 in network; $10,100 in and out of network | 4 of 5 | 19 services | $2,539 | $5,322 | $9,769 |
| DEVOTED GIVEBACK EXTRAS 109 FL (HMO)HMO from Devoted Health · Plan ID H1290-109 · Medicare.govIts page is set for Sarasota County, FL | $0 plan + Part B $209.50 (the plan pays back $90 of Part B) | $5,400 in network | 4.5 of 5 | 24 services | $1,802 | $5,371 | $9,234 |
| AARP Medicare Advantage from UHC FL-0012 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H1045-042 · Medicare.govIts page is set for Highlands County, FL | $0 plan + Part B $209.50 | $2,900 in network | 4 of 5 | 24 services | $2,514 | $5,407 | $7,814 |
| Wellcare Simple (HMO-POS)HMO-POS from Wellcare · Plan ID H1032-199 · Medicare.govIts page is set for Lee County, FL | $0 plan + Part B $209.50 | $3,000 in network | 4 of 5 | 20 services | $2,534 | $5,544 | $7,914 |
| Humana Value Choice (PPO)PPO from Humana · Plan ID H5216-072 · Medicare.govIts page is set for Hillsborough County, FL | $0 plan + Part B $209.50 (the plan pays back $3.40 of Part B) | $5,600 in network; $9,100 in and out of network | 4 of 5 | 24 services | $2,528 | $5,711 | $10,473 |
| DEVOTED CORE 061 FL (HMO)HMO from Devoted Health · Plan ID H1290-061 · Medicare.govIts page is set for Sarasota County, FL | $0 plan + Part B $209.50 | $3,900 in network | 4.5 of 5 | 24 services | $2,534 | $5,802 | $8,814 |
| DEVOTED CORE 025 FL (HMO)HMO from Devoted Health · Plan ID H1290-025 · Medicare.govIts page is set for Sarasota County, FL | $0 plan + Part B $209.50 | $3,950 in network | 4.5 of 5 | 24 services | $2,544 | $5,882 | $8,864 |
| Aetna Medicare Signature (PPO)PPO from Aetna Medicare · Plan ID H5521-710 · Medicare.govIts page is set for Lee County, FL | $0 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4 of 5 | 19 services | $2,639 | $6,232 | $12,064 |
| AARP Medicare Advantage from UHC FL-0027 (PPO)PPO from UnitedHealthcare · Plan ID H2406-019 · Medicare.govIts page is set for Highlands County, FL | $0 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $3,229 | $6,995 | $12,064 |
| BlueMedicare Select (PPO)PPO from Florida Blue · Plan ID H5434-045 · Medicare.govIts page is set for Pasco County, FL | $99.50 plan + Part B $209.50 | $7,150 in network; $10,100 in and out of network | 3 of 5 | 20 services | $4,423 | $8,053 | $13,140 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H7617-108 · No drug coverage · Medicare.govIts page is set for Miami-Dade County, FL | $0 plan + Part B $209.50 (the plan pays back $182 of Part B) | $6,750 in network; $10,750 in and out of network | 4.5 of 5 | 24 services | $673 | $8,857 | $28,086 |
| Aetna Medicare Eagle Giveback (PPO)PPO from Aetna Medicare · Plan ID H5521-306 · No drug coverage · Medicare.govIts page is set for Broward County, FL | $0 plan + Part B $209.50 (the plan pays back $120 of Part B) | $7,150 in network; $10,750 in and out of network | 4 of 5 | 19 services | $1,467 | $9,571 | $28,985 |
| BlueMedicare Patriot (PPO)PPO from Florida Blue · Plan ID H5434-046 · No drug coverage · Medicare.govIts page is set for Putnam County, FL | $0 plan + Part B $209.50 (the plan pays back $75 of Part B) | $9,850 in network; $14,800 in and out of network | 3 of 5 | 20 services | $1,997 | $9,831 | $28,800 |
| Humana USAA Honor Giveback (HMO)HMO from Humana · Plan ID H1036-290 · No drug coverage · Medicare.govIts page is set for Lee County, FL | $0 plan + Part B $209.50 (the plan pays back $93 of Part B) | $6,700 in network | 4.5 of 5 | 24 services | $1,726 | $9,835 | $28,474 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5216-257 · No drug coverage · Medicare.govIts page is set for Hillsborough County, FL | $0 plan + Part B $209.50 (the plan pays back $60 of Part B) | $6,000 in network; $9,000 in and out of network | 4 of 5 | 24 services | $2,147 | $10,381 | $29,370 |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO)PPO from UnitedHealthcare · Plan ID H2406-130 · No drug coverage · Medicare.govIts page is set for Palm Beach County, FL | $0 plan + Part B $209.50 (the plan pays back $100 of Part B) | $8,900 in network; $14,800 in and out of network | 4 of 5 | 24 services | $2,317 | $10,729 | $30,956 |
Original Medicare totals use the lowest Plan G price that Florida Office of Insurance Regulation, CHOICES Medicare Supplement rate search lists for a 65-year-old woman who does not use tobacco, $201 a month. A plan with no drug coverage counts drugs at full price, unless its members can add a separate drug plan. A plan name with a link opens a page where you can change the care level, the Medigap plan, your age, and your drugs.
Not sure which plan fits your year?
Text us what you have now. We will help you read these costs and check them with Medicare.gov.
Questions about your choice? Text us.
Pinnie Direct is a free text line. Tell us what you have now and we will help you read this comparison.
Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. Medigap prices come from Florida Office of Insurance Regulation, CHOICES Medicare Supplement rate search, pulled 2026-10-13. They are for ZIP 34266. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices: Florida Office of Insurance Regulation, CHOICES Medicare Supplement rate search
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.