County guide · Marion County, FL · 2027 plan year

Original Medicare vs Medicare Advantage in Marion County, FL

This guide lists 51 Medicare Advantage plans for 2027 in Marion County, with the yearly cost of each one next to Original Medicare with Medigap. Special needs plans are not on this list.

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Plans
51
$0 premium
44 plans
Lowest in-network limit
$2,000
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.gov

Yearly 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.

PlanMonthly premiumsYearly limit on medical costsStarsPrior authorizationLight yearRegular yearHeavy year
Original Medicare with Medigap Plan Gand the lowest-cost drug planPart B $209.50 + Plan G from $201 + a drug plan from $5.30$292 Part B deductible, then Plan G paysNot ratedShort list of services$5,277$7,452$7,677
Premier by Ultimate (HMO)HMO from Ultimate Health Plans · Plan ID H2962-028 · Medicare.gov$0 plan + Part B $209.50 (the plan pays back $202.90 of Part B)$3,200 in network3.5 of 520 services$99$1,124$5,679
Freedom Platinum Rewards Plan Rx (HMO)HMO from Freedom Health, Inc. · Plan ID H5427-096 · Medicare.gov$0 plan + Part B $209.50 (the plan pays back $202.90 of Part B)$3,400 in network4 of 522 services$109$1,319$4,919
Humana Gold Plus Giveback H1036-269 (HMO)HMO from Humana · Plan ID H1036-269 · Medicare.govIts page is set for Orange County, FL$0 plan + Part B $209.50 (the plan pays back $156.30 of Part B)$3,200 in network4.5 of 524 services$668$2,172$6,238
CareFree Platinum Giveback (HMO)HMO from CarePlus Health Plans, Inc. · Plan ID H1019-138 · Medicare.govIts page is set for Orange County, FL$0 plan + Part B $209.50 (the plan pays back $170 of Part B)$3,300 in network4 of 524 services$519$2,661$6,174
Freedom Platinum Plan Rx (HMO)HMO from Freedom Health, Inc. · Plan ID H5427-094 · Medicare.gov$0 plan + Part B $209.50$2,000 in network4 of 522 services$2,524$3,319$6,134
CareFree Giveback (HMO)HMO from CarePlus Health Plans, Inc. · Plan ID H1019-149 · Medicare.govIts page is set for Orange County, FL$0 plan + Part B $209.50 (the plan pays back $124 of Part B)$3,850 in network4 of 524 services$1,106$3,829$7,276
DEVOTED GIVEBACK 035 FL (HMO)HMO from Devoted Health · Plan ID H1290-035 · Medicare.gov$0 plan + Part B $209.50 (the plan pays back $202 of Part B)$7,150 in network4.5 of 524 services$510$3,937$9,479
CareOne Plus (HMO-POS)HMO-POS from CarePlus Health Plans, Inc. · Plan ID H1019-057 · Medicare.govIts page is set for Orange County, FL$0 plan + Part B $209.50 (the plan pays back $5 of Part B)$2,000 in network; $2,000 in and out of network4 of 524 services$2,454$4,009$6,614
Optimum Gold Rewards Plan (HMO)HMO from Optimum HealthCare, Inc. · Plan ID H5594-026 · Medicare.gov$0 plan + Part B $209.50$4,450 in network4.5 of 522 services$2,574$4,283$9,232
Humana Gold Plus H1036-146 (HMO)HMO from Humana · Plan ID H1036-146 · Medicare.govIts page is set for Orange County, FL$0 plan + Part B $209.50$2,400 in network4.5 of 524 services$2,519$4,359$7,194
Freedom Medicare Plan Rx (HMO)HMO from Freedom Health, Inc. · Plan ID H5427-060 · Medicare.govIts page is set for Palm Beach County, FL$0 plan + Part B $209.50$4,450 in network4 of 522 services$2,559$4,363$9,232
Aetna Medicare Select (HMO)HMO from Aetna Medicare · Plan ID H1609-021 · Medicare.govIts page is set for Duval County, FL$0 plan + Part B $209.50$3,900 in network4 of 519 services$2,529$4,676$8,699
Wellcare Giveback (HMO-POS)HMO-POS from Wellcare · Plan ID H1032-193 · Medicare.govIts page is set for Brevard County, FL$0 plan + Part B $209.50 (the plan pays back $94 of Part B)$7,200 in network4 of 520 services$1,446$4,781$9,956
Aetna Medicare Select Extra (HMO)HMO from Aetna Medicare · Plan ID H1609-100 · Medicare.gov$0 plan + Part B $209.50$2,900 in network4 of 519 services$2,609$4,831$7,814
AARP Medicare Advantage Giveback from UHC FL-40 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H1045-071 · Medicare.govIts page is set for Hillsborough County, FL$0 plan + Part B $209.50 (the plan pays back $150 of Part B)$7,150 in network4 of 524 services$1,214$4,859$10,264
HealthSpring Preferred (HMO)HMO from HealthSpring · Plan ID H5410-024 · Medicare.govIts page is set for Orange County, FL$0 plan + Part B $209.50 (the plan pays back $5 of Part B)$2,250 in network3 of 524 services$2,529$4,899$7,104
UHC The Villages Medicare Advantage FL-004P (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H1045-056 · Medicare.gov$0 plan + Part B $209.50 (the plan pays back $15 of Part B)$2,900 in network4 of 524 services$2,334$5,157$7,634
UHC The Villages Medicare Advantage FL-0004 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H1045-025 · Medicare.gov$0 plan + Part B $209.50$2,700 in network4 of 524 services$2,514$5,197$7,614
CareOne Plus Local (HMO-POS)HMO-POS from CarePlus Health Plans, Inc. · Plan ID H1019-155 · Medicare.gov$0 plan + Part B $209.50$2,500 in network; $4,800 in and out of network4 of 524 services$2,594$5,231$7,414
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 network4.5 of 524 services$2,020$5,241$10,960
BlueMedicare Premier (HMO)HMO from Florida Blue HMO · Plan ID H1035-043 · Medicare.gov$0 plan + Part B $209.50$2,700 in network3.5 of 520 services$2,604$5,247$7,614
Humana Community (HMO)HMO from Humana · Plan ID H1036-332 · Medicare.gov$0 plan + Part B $209.50$2,400 in network4.5 of 524 services$2,594$5,290$7,314
Wellcare Simple (HMO-POS)HMO-POS from Wellcare · Plan ID H1032-194 · Medicare.govIts page is set for Brevard County, FL$0 plan + Part B $209.50$3,000 in network4 of 520 services$2,534$5,294$7,914
HumanaChoice R5826-074 (Regional PPO)Regional PPO from Humana · Plan ID R5826-074 · Medicare.govIts page is set for Miami-Dade County, FL$35 plan + Part B $209.50$7,550 in network; $10,500 in and out of network4 of 524 services$3,649$5,361$10,083
Aetna Medicare Signature Legacy (PPO)PPO from Aetna Medicare · Plan ID H5521-271 · Medicare.gov$0 plan + Part B $209.50$5,900 in network; $10,750 in and out of network4 of 519 services$2,549$5,387$10,714
CareAccess (HMO)HMO from CarePlus Health Plans, Inc. · Plan ID H1019-144 · Medicare.govIts page is set for Hillsborough County, FL$0 plan + Part B $209.50$4,000 in network4 of 524 services$2,609$5,407$8,914
Aetna Medicare Select Extra (HMO-POS)HMO-POS from Aetna Medicare · Plan ID H1609-028 · Medicare.govIts page is set for Hillsborough County, FL$0 plan + Part B $209.50$6,750 in network; $10,100 in and out of network4 of 519 services$2,544$5,427$10,509
BlueMedicare Classic (HMO)HMO from Florida Blue HMO · Plan ID H1035-019 · Medicare.govIts page is set for Broward County, FL$0 plan + Part B $209.50$6,750 in network3.5 of 520 services$2,604$5,469$10,147
Aetna Medicare Signature (PPO)PPO from Aetna Medicare · Plan ID H5521-439 · Medicare.gov$0 plan + Part B $209.50$7,150 in network; $10,750 in and out of network4 of 519 services$2,564$5,552$11,084
DEVOTED GIVEBACK EXTRAS 108 FL (HMO)HMO from Devoted Health · Plan ID H1290-108 · Medicare.gov$0 plan + Part B $209.50 (the plan pays back $70 of Part B)$5,150 in network4.5 of 524 services$2,042$5,611$9,224
DEVOTED CORE 060 FL (HMO)HMO from Devoted Health · Plan ID H1290-060 · Medicare.gov$0 plan + Part B $209.50$3,900 in network4.5 of 524 services$2,524$5,662$8,814
DEVOTED PREMIUM 044 FL (HMO)HMO from Devoted Health · Plan ID H1290-044 · Medicare.gov$7.30 plan + Part B $209.50$3,900 in network4.5 of 524 services$2,612$5,684$8,892
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 network4 of 524 services$2,528$5,711$10,473
DEVOTED CORE 027 FL (HMO)HMO from Devoted Health · Plan ID H1290-027 · Medicare.gov$0 plan + Part B $209.50$3,950 in network4.5 of 524 services$2,529$5,712$8,864
BlueMedicare Value (PPO)PPO from Florida Blue · Plan ID H5434-036 · Medicare.gov$0 plan + Part B $209.50$5,900 in network; $10,100 in and out of network3 of 520 services$2,594$5,737$10,814
HumanaChoice Florida H5216-074 (PPO)PPO from Humana · Plan ID H5216-074 · Medicare.gov$0 plan + Part B $209.50$5,900 in network; $10,100 in and out of network4 of 524 services$2,594$5,837$10,814
HumanaChoice Florida H7284-009 (PPO)PPO from Humana · Plan ID H7284-009 · Medicare.govIts page is set for Duval County, FL$38.90 plan + Part B $209.50$6,750 in network; $8,900 in and out of network3.5 of 524 services$3,031$5,914$10,936
AARP Medicare Advantage from UHC FL-0024 (PPO)PPO from UnitedHealthcare · Plan ID H2406-016 · Medicare.gov$0 plan + Part B $209.50$5,900 in network; $10,750 in and out of network4 of 524 services$3,229$6,686$10,814
AARP Medicare Advantage from UHC FL-0031 (Regional PPO)Regional PPO from UnitedHealthcare · Plan ID R0759-001 · Medicare.govIts page is set for Miami-Dade County, FL$127 plan + Part B $209.50$9,850 in network; $14,800 in and out of network3.5 of 524 services$4,753$8,254$14,160
HumanaChoice R5826-005 (Regional PPO)Regional PPO from Humana · Plan ID R5826-005 · Medicare.govIts page is set for Miami-Dade County, FL$161 plan + Part B $209.50$6,700 in network; $10,000 in and out of network4 of 524 services$5,161$8,453$12,417
BlueMedicare Select (PPO)PPO from Florida Blue · Plan ID H5434-002 · Medicare.govIts page is set for Miami-Dade County, FL$173 plan + Part B $209.50$7,500 in network; $10,100 in and out of network3 of 520 services$5,305$8,636$13,167
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 network4.5 of 524 services$673$8,857$28,086
BlueMedicare Patriot (PPO)PPO from Florida Blue · Plan ID H5434-038 · No drug coverage · Medicare.gov$0 plan + Part B $209.50 (the plan pays back $150 of Part B)$6,750 in network; $10,100 in and out of network3 of 520 services$1,107$8,956$27,940
CareSalute (HMO)HMO from CarePlus Health Plans, Inc. · Plan ID H1019-132 · No drug coverage · Medicare.govIts page is set for Miami-Dade County, FL$0 plan + Part B $209.50 (the plan pays back $125 of Part B)$4,150 in network4 of 524 services$1,397$9,326$26,740
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 network4 of 519 services$1,467$9,571$28,985
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 network4.5 of 524 services$1,726$9,835$28,474
Freedom Savings Plan (HMO)HMO from Freedom Health, Inc. · Plan ID H5427-052 · No drug coverage · Medicare.govIts page is set for Palm Beach County, FL$0 plan + Part B $209.50 (the plan pays back $75 of Part B)$4,450 in network4 of 522 services$1,952$9,866$27,640
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 network4 of 524 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 network4 of 524 services$2,317$10,729$30,956
AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO)Regional PPO from UnitedHealthcare · Plan ID R0759-002 · No drug coverage · Medicare.govIts page is set for Miami-Dade County, FL$0 plan + Part B $209.50 (the plan pays back $27 of Part B)$9,250 in network; $14,800 in and out of network3.5 of 524 services$3,193$11,605$31,757
HumanaChoice R5826-018 (Regional PPO)Regional PPO from Humana · Plan ID R5826-018 · No drug coverage · Medicare.govIts page is set for Miami-Dade County, FL$9 plan + Part B $209.50$7,550 in network; $10,000 in and out of network4 of 524 services$3,625$11,840$30,093

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.

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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 32134. Totals use typical Medicare-allowed amounts for each service and typical drug prices.

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.

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