County guide · Palm Beach County, FL · 2027 plan year
Original Medicare vs Medicare Advantage in Palm Beach County, FL
This guide lists 49 Medicare Advantage plans for 2027 in Palm Beach 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
- 49
- $0 premium
- 42 plans
- Lowest in-network limit
- $750
- 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 $252 + a drug plan from $5.30 | $292 Part B deductible, then Plan G pays | Not rated | Short list of services | $5,892 | $8,067 | $8,292 |
| HealthSun HealthAdvantage Plus (HMO)HMO from HealthSun Health Plans, Inc. · Plan ID H5431-020 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $202.90 of Part B) | $3,450 in network | 4.5 of 5 | 22 services | $104 | $1,293 | $5,677 |
| HealthSun HealthAdvantage Plan (HMO)HMO from HealthSun Health Plans, Inc. · Plan ID H5431-013 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $35 of Part B) | $3,450 in network | 4.5 of 5 | 22 services | $2,094 | $2,464 | $4,484 |
| Humana Gold Plus Giveback H1036-305 (HMO)HMO from Humana · Plan ID H1036-305 · Medicare.govIts page is set for Miami-Dade County, FL | $0 plan + Part B $209.50 (the plan pays back $148 of Part B) | $3,850 in network | 4.5 of 5 | 24 services | $783 | $2,477 | $6,988 |
| Prominence Giveback (HMO)HMO from Prominence Health Plan · Plan ID H7239-004 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $202.90 of Part B) | $7,500 in network | 4.5 of 5 | 24 services | $164 | $2,664 | $7,394 |
| CareOne Plus (HMO-POS)HMO-POS from CarePlus Health Plans, Inc. · Plan ID H1019-001 · Medicare.govIts page is set for Broward County, FL | $0 plan + Part B $209.50 (the plan pays back $9 of Part B) | $750 in network; $750 in and out of network | 4 of 5 | 24 services | $2,406 | $2,691 | $5,556 |
| Solis Healthy Living Plan (HMO)HMO from Solis Health Plans · Plan ID H0982-008 · Medicare.gov | $0 plan + Part B $209.50 | $2,900 in network | 4.5 of 5 | 18 services | $2,514 | $3,049 | $6,784 |
| CareFree Platinum Giveback (HMO-POS)HMO-POS from CarePlus Health Plans, Inc. · Plan ID H1019-135 · Medicare.govIts page is set for Broward County, FL | $0 plan + Part B $209.50 (the plan pays back $155 of Part B) | $3,400 in network; $3,400 in and out of network | 4 of 5 | 24 services | $704 | $3,057 | $6,454 |
| Humana Gold Plus H1036-062C (HMO)HMO from Humana · Plan ID H1036-062 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $1.50 of Part B) | $1,625 in network | 4.5 of 5 | 24 services | $2,501 | $3,122 | $6,231 |
| Prominence Plus (HMO)HMO from Prominence Health Plan · Plan ID H7239-001 · Medicare.gov | $0 plan + Part B $209.50 | $2,000 in network | 4.5 of 5 | 24 services | $2,519 | $3,283 | $6,251 |
| Wellcare Giveback (HMO-POS)HMO-POS from Wellcare · Plan ID H1032-195 · Medicare.govIts page is set for Miami-Dade County, FL | $0 plan + Part B $209.50 (the plan pays back $163.60 of Part B) | $5,000 in network | 4 of 5 | 20 services | $586 | $3,642 | $7,951 |
| DEVOTED GIVEBACK 015 FL (HMO)HMO from Devoted Health · Plan ID H1290-015 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $202 of Part B) | $7,150 in network | 4.5 of 5 | 24 services | $494 | $3,824 | $9,362 |
| CareFree Giveback (HMO)HMO from CarePlus Health Plans, Inc. · Plan ID H1019-065 · Medicare.govIts page is set for Broward County, FL | $0 plan + Part B $209.50 (the plan pays back $73.50 of Part B) | $5,000 in network | 4 of 5 | 24 services | $1,677 | $3,906 | $8,062 |
| CareAccess (HMO)HMO from CarePlus Health Plans, Inc. · Plan ID H1019-148 · Medicare.govIts page is set for Miami-Dade County, FL | $0 plan + Part B $209.50 (the plan pays back $10.50 of Part B) | $2,250 in network | 4 of 5 | 24 services | $2,408 | $4,145 | $7,038 |
| Aetna Medicare Select (HMO)HMO from Aetna Medicare · Plan ID H1609-020 · Medicare.gov | $0 plan + Part B $209.50 | $3,400 in network | 4 of 5 | 19 services | $2,524 | $4,269 | $7,329 |
| Freedom Medicare Plan Rx (HMO)HMO from Freedom Health, Inc. · Plan ID H5427-060 · Medicare.gov | $0 plan + Part B $209.50 | $4,450 in network | 4 of 5 | 22 services | $2,559 | $4,363 | $9,232 |
| HumanaChoice Giveback H7617-110 (PPO)PPO from Humana · Plan ID H7617-110 · Medicare.govIts page is set for Miami-Dade County, FL | $0 plan + Part B $209.50 (the plan pays back $161.50 of Part B) | $7,150 in network; $10,750 in and out of network | 4.5 of 5 | 24 services | $1,291 | $4,459 | $9,770 |
| HumanaChoice Giveback H5216-311 (PPO)PPO from Humana · Plan ID H5216-311 · Medicare.govIts page is set for Miami-Dade County, FL | $0 plan + Part B $209.50 (the plan pays back $155 of Part B) | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $1,369 | $4,537 | $9,848 |
| UHC Preferred Medicare Advantage FL-002P (HMO)HMO from UnitedHealthcare · Plan ID H1045-037 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $14 of Part B) | $3,400 in network | 4 of 5 | 24 services | $2,346 | $4,874 | $8,146 |
| Prominence Extra Help (HMO)HMO from Prominence Health Plan · Plan ID H7239-003 · Medicare.gov | $0 plan + Part B $209.50 | $2,500 in network | 4.5 of 5 | 24 services | $2,519 | $4,894 | $6,389 |
| HumanaChoice Giveback H7617-145 (PPO)PPO from Humana · Plan ID H7617-145 · Medicare.govIts page is set for Miami-Dade 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 | $5,123 | $10,960 |
| BlueMedicare Premier (HMO)HMO from Florida Blue HMO · Plan ID H1035-022 · Medicare.gov | $0 plan + Part B $209.50 | $2,900 in network | 3.5 of 5 | 20 services | $2,589 | $5,127 | $7,814 |
| DEVOTED CORE 064 FL (HMO)HMO from Devoted Health · Plan ID H1290-064 · Medicare.gov | $0 plan + Part B $209.50 | $3,900 in network | 4.5 of 5 | 24 services | $2,519 | $5,150 | $8,504 |
| AARP Medicare Advantage from UHC FL-0015 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H1045-055 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $9 of Part B) | $4,450 in network | 4 of 5 | 24 services | $2,406 | $5,257 | $9,186 |
| Wellcare Simple (HMO-POS)HMO-POS from Wellcare · Plan ID H1032-196 · Medicare.govIts page is set for Miami-Dade County, FL | $0 plan + Part B $209.50 | $2,700 in network | 4 of 5 | 20 services | $2,519 | $5,289 | $7,544 |
| 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 network | 4 of 5 | 24 services | $3,649 | $5,361 | $10,083 |
| DEVOTED CORE 037 FL (HMO)HMO from Devoted Health · Plan ID H1290-037 · Medicare.gov | $0 plan + Part B $209.50 | $3,900 in network | 4.5 of 5 | 24 services | $2,514 | $5,522 | $8,804 |
| DEVOTED GIVEBACK EXTRAS 114 FL (HMO)HMO from Devoted Health · Plan ID H1290-114 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $70 of Part B) | $5,150 in network | 4.5 of 5 | 24 services | $2,042 | $5,596 | $9,224 |
| DEVOTED CORE 003 FL (HMO)HMO from Devoted Health · Plan ID H1290-003 · Medicare.gov | $0 plan + Part B $209.50 | $3,950 in network | 4.5 of 5 | 24 services | $2,519 | $5,617 | $8,864 |
| HumanaChoice Florida H5216-068 (PPO)PPO from Humana · Plan ID H5216-068 · Medicare.govIts page is set for Miami-Dade County, FL | $0 plan + Part B $209.50 | $3,900 in network; $6,100 in and out of network | 4 of 5 | 24 services | $2,569 | $5,732 | $8,814 |
| HumanaChoice Florida H7617-107 (PPO)PPO from Humana · Plan ID H7617-107 · Medicare.govIts page is set for Miami-Dade County, FL | $0 plan + Part B $209.50 | $3,900 in network; $6,100 in and out of network | 4.5 of 5 | 24 services | $2,569 | $5,732 | $8,814 |
| HumanaChoice Florida H7284-008 (PPO)PPO from Humana · Plan ID H7284-008 · Medicare.govIts page is set for Miami-Dade County, FL | $52 plan + Part B $209.50 | $4,150 in network; $6,200 in and out of network | 3.5 of 5 | 24 services | $3,188 | $6,091 | $9,688 |
| Aetna Medicare Signature (PPO)PPO from Aetna Medicare · Plan ID H5521-033 · Medicare.gov | $0 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4 of 5 | 19 services | $3,229 | $6,128 | $11,558 |
| BlueMedicare Value (PPO)PPO from Florida Blue · Plan ID H5434-026 · Medicare.govIts page is set for Broward County, FL | $0 plan + Part B $209.50 | $9,250 in network; $13,900 in and out of network | 3 of 5 | 20 services | $3,229 | $6,463 | $11,677 |
| AARP Medicare Advantage from UHC FL-0026 (PPO)PPO from UnitedHealthcare · Plan ID H2406-018 · Medicare.gov | $0 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $3,229 | $7,030 | $12,064 |
| Prominence Meridian (HMO-POS)HMO-POS from Prominence Health Plan · Plan ID H7239-006 · Medicare.gov | $159 plan + Part B $209.50 | $3,000 in network | 4.5 of 5 | 24 services | $4,927 | $7,248 | $9,822 |
| 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 network | 3.5 of 5 | 24 services | $4,753 | $8,254 | $14,160 |
| BlueMedicare Patriot Plus (PPO)PPO from Florida Blue · Plan ID H5434-048 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $200 of Part B) | $6,750 in network; $10,100 in and out of network | 3 of 5 | 20 services | $507 | $8,356 | $27,340 |
| 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 network | 4 of 5 | 24 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 network | 3 of 5 | 20 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 network | 4.5 of 5 | 24 services | $673 | $8,857 | $28,086 |
| BlueMedicare Patriot (PPO)PPO from Florida Blue · Plan ID H5434-044 · No drug coverage · Medicare.govIts page is set for Miami-Dade County, FL | $0 plan + Part B $209.50 (the plan pays back $135 of Part B) | $6,750 in network; $10,100 in and out of network | 3 of 5 | 20 services | $1,287 | $9,136 | $28,120 |
| 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 network | 4 of 5 | 24 services | $1,397 | $9,326 | $26,740 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5216-256 · No drug coverage · Medicare.govIts page is set for Miami-Dade County, FL | $0 plan + Part B $209.50 (the plan pays back $140.50 of Part B) | $4,900 in network; $6,700 in and out of network | 4 of 5 | 24 services | $1,171 | $9,355 | $27,304 |
| 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 |
| Humana USAA Honor Giveback (HMO)HMO from Humana · Plan ID H1036-279 · No drug coverage · Medicare.govIts page is set for Miami-Dade County, FL | $0 plan + Part B $209.50 (the plan pays back $117 of Part B) | $3,400 in network | 4.5 of 5 | 24 services | $1,453 | $9,577 | $26,086 |
| Freedom Savings Plan (HMO)HMO from Freedom Health, Inc. · Plan ID H5427-052 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $75 of Part B) | $4,450 in network | 4 of 5 | 22 services | $1,952 | $9,866 | $27,640 |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO)PPO from UnitedHealthcare · Plan ID H2406-130 · No drug coverage · Medicare.gov | $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 |
| 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 network | 3.5 of 5 | 24 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 network | 4 of 5 | 24 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, $252 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 33493. 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.