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.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 $252 + a drug plan from $5.30$292 Part B deductible, then Plan G paysNot ratedShort 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 network4.5 of 522 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 network4.5 of 522 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 network4.5 of 524 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 network4.5 of 524 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 network4 of 524 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 network4.5 of 518 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 network4 of 524 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 network4.5 of 524 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 network4.5 of 524 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 network4 of 520 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 network4.5 of 524 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 network4 of 524 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 network4 of 524 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 network4 of 519 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 network4 of 522 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 network4.5 of 524 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 network4 of 524 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 network4 of 524 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 network4.5 of 524 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 network4.5 of 524 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 network3.5 of 520 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 network4.5 of 524 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 network4 of 524 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 network4 of 520 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 network4 of 524 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 network4.5 of 524 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 network4.5 of 524 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 network4.5 of 524 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 network4 of 524 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 network4.5 of 524 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 network3.5 of 524 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 network4 of 519 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 network3 of 520 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 network4 of 524 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 network4.5 of 524 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 network3.5 of 524 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 network3 of 520 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 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 H5434-044 · 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 network3 of 520 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 network4 of 524 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 network4 of 524 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 network4 of 519 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 network4.5 of 524 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 network4 of 522 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 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, $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.

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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