Medicare Plans in
Palm Beach County, FL

85 Medicare Advantage Plans Found in Palm Beach County. See Plans

Palm Beach County, FL
Medicare Information

For Palm Beach County’s Medicare beneficiaries, private plans like Medicare Advantage plans offer an alternative to Original Medicare and Part D plans (PDP) can work alongside your Original Medicare benefits.

Currently, 85 private Medicare plans are available in Palm Beach County, and coverage is provided through Medicare-approved private companies, following rules set by Medicare.

HelpAdvisor Editorial Team analysis of data from the 2024 MA Landscape Source Files and carrier-provided plan data supplied by SunFire, Inc., a private company that creates software solutions for agents and brokers to compare Medicare plans. For more information, visit www.sunfireinc.com.

For Palm Beach County’s Medicare beneficiaries, private plans like Medicare Advantage plans offer an alternative to Original Medicare, and Part D plans (PDP) can work alongside your Original Medicare benefits.

Currently, 85 private Medicare plans are available in Palm Beach County, and coverage is provided through Medicare-approved private companies, following rules set by Medicare.

MA plans, which are also referred to as Medicare Part C, may offer additional benefits that aren't available through Original Medicare.

Part D plans, also referred to as PDPs, cover retail prescription drugs.

Some Medicare Part C plans include coverage for prescription medications. Known as Medicare Advantage Prescription Drug plans, or MAPDs, these plans offer comprehensive coverage for seniors who want to minimize their out-of-pocket costs.

Learn more about some of the Medicare plans in Palm Beach County, Florida, including average costs, out-of-pocket expenses and what’s involved in obtaining prescription drug coverage.

The following is HelpAdvisor Editorial Team analysis of data from the 2024 MA Landscape Source Files as well as carrier-provided plan data supplied by SunFire Inc.

Average Cost of Medicare
Plans in Palm Beach County

Average Cost of Medicare Advantage Plans in Palm Beach County, Florida
Average Monthly Premium $49.41
Average in-network out-of-pocket spending limit $3,793.54
Average drug deductible in 2024 (weighted) $297.40
Percentage of plans rated 4 stars or higher 70.6%
Average Cost of Medicare Advantage Plans in Palm Beach County, Florida
Average Monthly Premium
$49.41
Average in-network out-of-pocket spending limit
$3,793.54
Average drug deductible in 2021 (weighted)
$297.40
Percentage of plans rated 4 stars or higher
70.6%

Learn More About Medicare
Prescription Drug Plans

Palm Beach County Medicare beneficiaries who are interested in a private Medicare policy may choose among the following types of plans, depending on their needs and circumstances:
Plan Type Description
HMO HMO enrollees typically receive services through in-network providers and must obtain referrals for visits to specialists. However, most plans permit out-of-network care in emergencies or out-of-area dialysis. HMO plans often include prescription drug coverage.
PPO Members of PPO plans can typically go in or out of network for care, including hospitalization, although visits to non-network providers may cost considerably more. Referrals are usually not needed for visits to specialists, and many PPO plans include prescription drug coverage.
PFFS Private fee-for-service plans determine how much a doctor or facility will be paid for services, and members may seek care from any in or out-of-network provider that agrees to the plan's terms. Some PFFS plans include prescription drug coverage. Otherwise, members may seek coverage for medications through standalone Medicare drug plans, which are also known as Part D plans.
SNP Special Needs Plans are designed for individuals with specific conditions or medical characteristics. Benefits such as providers and drug formularies are tailored to members' unique needs, and most care is provided by in-network physicians and facilities. SNPs are required to provide prescription drug coverage.
Plan Type and Description
HMO enrollees typically receive services through in-network providers and must obtain referrals for visits to specialists. However, most plans permit out-of-network care in emergencies or out-of-area dialysis. HMO plans often include prescription drug coverage.
Members of PPO plans can typically go in or out of network for care, including hospitalization, although visits to non-network providers may cost considerably more. Referrals are usually not needed for visits to specialists, and many PPO plans include prescription drug coverage.
Private fee-for-service plans determine how much a doctor or facility will be paid for services, and members may seek care from any in or out-of-network provider that agrees to the plan's terms. Some PFFS plans include prescription drug coverage. Otherwise, members may seek coverage for medications through standalone Medicare drug plans, which are also known as Part D plans.
Special Needs Plans are designed for individuals with specific conditions or medical characteristics. Benefits such as providers and drug formularies are tailored to members' unique needs, and most care is provided by in-network physicians and facilities. SNPs are required to provide prescription drug coverage.

Some beneficiaries may be eligible for standalone prescription drug plans. Otherwise known as a PDP or Part D plan, a standalone prescription drug plan adds coverage for prescription medications to Original Medicare and some PFFS plans. It’s important to note that some MA plans, such as HMOs, may disenroll members who sign up for a separate drug plan.

Medicare Advantage Plans

Aetna Inc.

Aetna Inc. Medicare Plans in Palm Beach County, FL

The following table includes cost information and other plan details for Aetna Inc. private Medicare plans available in Florida in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Aetna Medicare Premier (PPO) H5521: 033 $0 $300 $6,700 Yes
4 out of 5
Aetna Medicare Explorer Premier (PPO) H5521: 432 $0 $0 $3,900 Yes
4 out of 5
Aetna Medicare Eagle (PPO) H5521: 347 $0 N/A $5,000 No
4 out of 5
Aetna Medicare Choice (HMO-POS) H1609: 028 $0 $150 $5,700 Yes
3.5 out of 5
Aetna Medicare Premier (PPO) H5521: 273 $0 $150 $4,700 Yes
4 out of 5
Aetna Medicare Select (HMO) H1609: 020 $0 $0 $1,000 Yes
3.5 out of 5
Aetna Medicare Assure Plus (HMO D-SNP) H1609: 048 $38 $0 $3,850 Yes
3.5 out of 5
Aetna Medicare Assure (HMO D-SNP) H1609: 019 $38 $0 $3,850 Yes
3.5 out of 5
Cigna

Cigna Medicare Plans in Palm Beach County, FL

The following table includes cost information and other plan details for Cigna private Medicare plans available in Florida in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Cigna Courage Medicare (HMO) H5410: 058 $0 N/A $3,400 No
4.5 out of 5
Cigna True Choice Medicare (PPO) H7849: 101 $0 $0 $3,200 Yes
3 out of 5
Cigna TotalCare Plus (HMO D-SNP) H5410: 049 $0 $0 $1,500 Yes
4.5 out of 5
Cigna Preferred Medicare (HMO) H5410: 053 $0 $0 $3,100 Yes
4.5 out of 5
Cigna TotalCare (HMO D-SNP) H5410: 056 $0 $0 $3,500 Yes
4.5 out of 5
Cigna True Choice Courage Medicare (PPO) H7787: 002 $0 N/A $5,700 No
3 out of 5
Cigna Preferred Savings Medicare (HMO) H5410: 054 $0 $0 $3,100 Yes
4.5 out of 5

Devoted Health

Devoted Health Medicare Plans in Palm Beach County, FL

The following table includes cost information and other plan details for Devoted Health private Medicare plans available in Florida in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Devoted CHOICE South Florida (PPO) H9884: 001 $0 $150 $3,700 Yes
Not enough data available
Devoted DUAL PLUS Palm Beach (HMO D-SNP) H1290: 021 $0 $0 $3,400 Yes
5 out of 5
Devoted CORE Palm Beach (HMO) H1290: 003 $0 $0 $3,400 Yes
5 out of 5
Devoted ESSENTIALS Palm Beach (HMO) H1290: 015 $0 $150 $4,900 Yes
5 out of 5
Devoted PREMIUM Florida (HMO) H1290: 037 $22 $545 $3,400 Yes
5 out of 5

Florida Blue

Florida Blue Medicare Plans in Palm Beach County, FL

The following table includes cost information and other plan details for Florida Blue private Medicare plans available in Florida in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
BlueMedicare Classic (HMO) H1035: 018 $0 $0 $4,500 Yes
4 out of 5
BlueMedicare Premier (HMO) H1035: 022 $0 $0 $2,900 Yes
4 out of 5
BlueMedicare Patriot (PPO) H5434: 044 $0 N/A $5,500 No
3.5 out of 5
BlueMedicare Value (PPO) H5434: 026 $0 $150 $3,851 Yes
3.5 out of 5
BlueMedicare Complete (HMO D-SNP) H1035: 028 $0 $0 $3,200 Yes
4 out of 5
BlueMedicare Choice (Regional PPO) R3332: 001 $67 $250 $6,500 Yes
3.5 out of 5
BlueMedicare Select (PPO) H5434: 002 $98 $305 $5,900 Yes
3.5 out of 5

Freedom Health Inc.

Freedom Health Inc. Medicare Plans in Palm Beach County, FL

The following table includes cost information and other plan details for Freedom Health Inc. private Medicare plans available in Florida in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Freedom VIP Savings COPD (HMO C-SNP) H5427: 077 $0 $0 $3,400 Yes
4.5 out of 5
Freedom Medicare Plan Rx (HMO) H5427: 060 $0 $0 $2,750 Yes
4.5 out of 5
Freedom VIP Care (HMO C-SNP) H5427: 070 $0 $0 $1,500 Yes
4.5 out of 5
Freedom VIP Savings (HMO C-SNP) H5427: 072 $0 $0 $3,400 Yes
4.5 out of 5
Freedom Savings Plan (HMO) H5427: 052 $0 N/A $3,400 No
4.5 out of 5
Freedom Medi-Medi Full (HMO D-SNP) H5427: 087 $17 $545 $500 Yes
4.5 out of 5
Freedom Medi-Medi Partial (HMO D-SNP) H5427: 078 $26 $545 $500 Yes
4.5 out of 5
Humana Inc.

Humana Inc. Medicare Plans in Palm Beach County, FL

The following table includes cost information and other plan details for Humana Inc. private Medicare plans available in Florida in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
CareComplete Platinum (HMO C-SNP) H1019: 130 $0 $0 $3,400 Yes
4 out of 5
Humana USAA Honor (HMO) H1036: 279 $0 N/A $3,400 No
5 out of 5
CareBreeze Platinum (HMO C-SNP) H1019: 124 $0 $0 $3,400 Yes
4 out of 5
Humana Gold Plus H1036-062C (HMO) H1036: 062 $0 $0 $1,000 Yes
5 out of 5
HumanaChoice Florida H5216-311 (PPO) H5216: 311 $0 $350 $4,850 Yes
4.5 out of 5
CareOne Plus (HMO) H1019: 102 $0 $0 $2,000 Yes
4 out of 5
Humana Gold Plus SNP-DE H1036-077A (HMO D-SNP) H1036: 077 $0 $0 $3,400 Yes
5 out of 5
Humana Gold Plus Lung (HMO C-SNP) H1036: 297 $0 $0 $1,450 Yes
5 out of 5
CareFree Platinum (HMO) H1019: 135 $0 $0 $3,400 Yes
4 out of 5
CareSalute (HMO) H1019: 119 $0 N/A $3,400 No
4 out of 5
CareNeeds Platinum (HMO D-SNP) H1019: 145 $0 $0 $3,400 Yes
4 out of 5
HumanaChoice Florida H7284-008 (PPO) H7284: 008 $0 $150 $3,200 Yes
4 out of 5
Humana Gold Plus SNP-DE H1036-304 (HMO D-SNP) H1036: 304 $0 $0 $3,400 Yes
5 out of 5
HumanaChoice Florida H5216-068 (PPO) H5216: 068 $0 $150 $3,850 Yes
4.5 out of 5
HumanaChoice Florida SNP-DE H7284-010 (PPO D-SNP) H7284: 010 $0 $0 $5,000 Yes
4 out of 5
CareNeeds Plus (HMO D-SNP) H1019: 023 $0 $0 $3,400 Yes
4 out of 5
CareFree (HMO) H1019: 065 $0 $0 $3,400 Yes
4 out of 5
Humana Gold Plus - Diabetes and Heart (HMO C-SNP) H1036: 121 $0 $0 $1,450 Yes
5 out of 5
Humana Gold Plus H1036-305 (HMO) H1036: 305 $0 $0 $3,200 Yes
5 out of 5
HumanaChoice Florida H7284-007 (PPO) H7284: 007 $25 $150 $3,400 Yes
4 out of 5
HumanaChoice R5826-074 (Regional PPO) R5826: 074 $31 $395 $7,550 Yes
3.5 out of 5
HumanaChoice R5826-018 (Regional PPO) R5826: 018 $59 N/A $7,550 No
3.5 out of 5
HumanaChoice R5826-005 (Regional PPO) R5826: 005 $173 $100 $6,700 Yes
3.5 out of 5

Optimum HealthCare Inc.

Optimum HealthCare Inc. Medicare Plans in Palm Beach County, FL

The following table includes cost information and other plan details for Optimum HealthCare Inc. private Medicare plans available in Florida in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Optimum Emerald Partial (HMO D-SNP) H5594: 016 $24 $545 $500 Yes
5 out of 5
Optimum Emerald Full (HMO D-SNP) H5594: 017 $25 $545 $500 Yes
5 out of 5

Simply Healthcare

Simply Healthcare Medicare Plans in Palm Beach County, FL

The following table includes cost information and other plan details for Simply Healthcare private Medicare plans available in Florida in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Simply Complete (HMO D-SNP) H5471: 084 $0 $0 $500 Yes
5 out of 5
Simply More (HMO) H5471: 083 $0 $0 $3,450 Yes
5 out of 5
Simply Complete Platinum (HMO D-SNP) H5471: 125 $0 $0 $500 Yes
5 out of 5
Simply Level (HMO C-SNP) H5471: 085 $0 $0 $3,450 Yes
5 out of 5
Simply Level Platinum (HMO C-SNP) H5471: 126 $0 $0 $3,200 Yes
5 out of 5
Simply Extra Platinum (HMO) H5471: 123 $0 $0 $3,200 Yes
5 out of 5
Simply Extra (HMO) H5471: 105 $0 $100 $3,450 Yes
5 out of 5
Simply More Platinum (HMO) H5471: 124 $0 $0 $3,200 Yes
5 out of 5
Simply Freedom (PPO) H9469: 001 $0 $125 $3,600 Yes
Plan too new to be measured
UnitedHealthcare

UnitedHealthcare Medicare Plans in Palm Beach County, FL

The following table includes cost information and other plan details for UnitedHealthcare private Medicare plans available in Florida in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
UHC Dual Complete FL-D003 (PPO D-SNP) H1889: 002 $0 $0 $8,850 Yes
4.5 out of 5
UHC Preferred Dual Complete FL-D01P (HMO D-SNP) H1045: 038 $0 $0 $8,850 Yes
4.5 out of 5
AARP Medicare Advantage from UHC FL-0031 (Regional PPO) R0759: 001 $0 $395 $7,900 Yes
3.5 out of 5
AARP Medicare Advantage from UHC FL-0015 (HMO-POS) H1045: 055 $0 $0 $3,400 Yes
4.5 out of 5
UHC Preferred Medicare Advantage FL-002P (HMO) H1045: 037 $0 $0 $3,400 Yes
4.5 out of 5
AARP Medicare Advantage from UHC FL-0026 (PPO) H2406: 018 $0 $0 $3,400 Yes
4 out of 5
AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) R0759: 002 $0 N/A $7,500 No
3.5 out of 5
UHC Nursing Home Plan FL-F001 (PPO I-SNP) H0710: 010 $32 $545 $1,000 Yes
5 out of 5
UHC Care Advantage FL-E001 (PPO I-SNP) H0710: 012 $38 $0 $1,500 Yes
5 out of 5
Wellcare Health Plans, Inc.

Wellcare Health Plans, Inc. Medicare Plans in Palm Beach County, FL

The following table includes cost information and other plan details for Wellcare Health Plans, Inc. private Medicare plans available in Florida in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Wellcare Dual Reserve (HMO D-SNP) H1032: 202 $0 $0 $1,500 Yes
3.5 out of 5
Wellcare Dual Access Open (PPO D-SNP) H5199: 016 $0 $0 $8,850 Yes
3 out of 5
Wellcare Dual Liberty (HMO D-SNP) H1032: 175 $0 $0 $8,850 Yes
3.5 out of 5
Wellcare No Premium (HMO) H1032: 196 $0 $0 $1,700 Yes
3.5 out of 5
Wellcare Giveback (HMO) H1032: 195 $0 $545 $5,000 Yes
3.5 out of 5
Wellcare No Premium Open (PPO) H5199: 012 $0 $100 $3,400 Yes
3 out of 5
Wellcare All Dual (HMO D-SNP) H1032: 124 $34 $0 $8,300 Yes
3.5 out of 5
Wellcare Premium Enhanced Open (PPO) H5199: 010 $93 $0 $3,500 Yes
3 out of 5