Compare Your Florida Medicare Advantage
In Minutes
Trusted Carriers. Expert Guidance. Local Agents.
Medicare Advantage plans in Florida offer an all-in-one alternative to Original Medicare, often including prescription drug coverage, dental, vision, and hearing benefits. As independent Florida insurance agents, we compare Medicare Advantage plans from multiple carriers to find the right fit for your healthcare needs. Our service is 100% free—you pay the same premium whether you enroll direct or through us.
What Florida Residents Say About Landel Insurance
"Sean at Landel Insurance made the Medicare process so simple. He explained all my options clearly and found me a plan that saved me over $200 a month. Highly recommend!"
"After struggling with my homeowners insurance for years, Landel Insurance found me better coverage at a lower price. Their customer service is outstanding."
"Finally, an insurance agent who actually picks up the phone! Sean took the time to answer all my questions about health insurance options. No pressure, just helpful advice."
🎉 Thank you!
Here are your personalized 2026 Medicare options:
What Happens Next?
Your local licensed agent will contact you within 24 hours to review your personalized Medicare options and help you find the best plan for your needs and budget.
📞 Call (772) 874-3224 NowSpeak with a licensed Medicare specialist today
How We Help You Choose the Right Medicare Advantage Plan in Florida
Our licensed agents make finding the perfect Medicare Advantage plan simple and stress-free.
Compare Plans from Multiple Carriers
Shop Medicare Advantage plans from top Florida carriers side-by-side to find the best fit.
Check Doctors, Specialists & Prescriptions
Verify your doctors and medications are covered before you enroll.
Review Costs, Benefits & Networks
Understand premiums, copays, and out-of-pocket maximums so there are no surprises.
Assist with Enrollment & Paperwork
We handle the enrollment process and make sure everything is submitted correctly.
Provide Annual Plan Reviews
Each year we review your plan to ensure it still meets your healthcare needs.
What Is a Medicare Advantage Plan?
A Medicare Advantage plan (also known as "Part C") is a private health insurance option approved by Medicare that provides Original Medicare benefits and often includes additional coverage like prescription drugs, vision, dental, and wellness programs.
These plans may offer lower out-of-pocket costs and come in different types to meet your specific healthcare needs.
Types of Medicare Advantage Plans
Health Maintenance Organization (HMO)
Network-based plans that require you to stay within the plan's network of doctors and hospitals.
Preferred Provider Organization (PPO)
More flexibility to see out-of-network providers, though at higher costs.
Private Fee-for-Service (PFFS)
Plans that determine how much they'll pay providers and how much you'll pay when you get care.
Special Needs Plans (SNPs)
Specialized plans for people with chronic conditions or specific healthcare needs.
Dual Eligible Special Needs Plans (D-SNPs)
Plans for individuals eligible for both Medicare and Medicaid.
What Medicare Advantage Covers
Hospital & Medical Services
- Inpatient hospital stays
- Doctor visits
- Outpatient care
- Preventive services
Value-Added Benefits
- Dental care
- Vision services
- Hearing services
- Prescription drug coverage
- Care coordination
Key Benefits
- Lower costs
- Built-in prescription drug coverage
- Extra services not covered by Original Medicare
- Annual out-of-pocket limit
Participating Insurance Carriers
We work with top-rated insurance carriers to provide you with the best Medicare Advantage options in Florida.
Aetna
Cigna
Humana
United Healthcare
WellCare
Blue Cross Blue Shield
Can You Enroll in Medicare Advantage Now?
Find out instantly if you qualify for a Special Enrollment Period
Can You Enroll in Medicare Right Now?
Answer 3 quick questions to find out instantly
1. How old are you?
Eligibility Requirements
To be eligible for Medicare Advantage, you must:
- Be enrolled in Medicare Part A and Part B
- Live in the plan's service area
- Be 65 or older, or under 65 with a qualifying disability
Florida Medicare Advantage FAQs for 2026
Common questions about Medicare Advantage plans in Florida - updated for 2026
How do Medicare Advantage plans differ from Original Medicare?
Medicare Advantage plans are offered by private companies approved by Medicare and often include additional benefits like prescription drugs, dental, and vision coverage that Original Medicare doesn't cover.
Key Difference: Medicare Advantage replaces Original Medicare, while Medicare Supplement works alongside it.
Can I see any doctor with a Medicare Advantage plan?
Most Medicare Advantage plans have provider networks. You'll typically pay less when you use doctors and hospitals in your plan's network. Some plans allow out-of-network care at higher costs.
✅ In-Network
Lower costs, covered services
⚠️ Out-of-Network
Higher costs, limited coverage
What additional benefits might be included?
Many Medicare Advantage plans include prescription drug coverage, dental, vision, hearing aids, wellness programs, transportation to medical appointments, and care coordination services.
Prescription Drugs
Often included
Dental & Vision
Extra benefits
Transportation
To appointments
When can I enroll in Medicare Advantage?
You can enroll during several periods throughout the year, with the main enrollment period being October 15 - December 7 annually.
Annual Open Enrollment: October 15 - December 7 for coverage starting January 1st.
How much do Florida Medicare Advantage plans cost in 2026?
Florida has some of the most competitive Medicare Advantage pricing in the nation. Here's what to expect:
| Plan Type | Avg Premium | Max Out-of-Pocket |
|---|---|---|
| HMO Plans | $0-$25/mo | $3,500-$5,500 |
| PPO Plans | $20-$75/mo | $5,000-$7,550 |
| Special Needs (SNP) | $0/mo | $3,000-$5,000 |
💡 Florida Tip: Many $0 premium plans include prescription drug coverage, dental, vision, and hearing benefits!
Which insurance companies offer Medicare Advantage in Florida?
Florida has over 600 Medicare Advantage plans available from these major carriers:
#1 in Florida
AARP Plans
CVS Network
National
FL Focused
Local
🎯 We Compare All Carriers: Our licensed agents compare plans from every carrier to find the best fit for your doctors, medications, and budget.
What types of Medicare Advantage plans are available in Florida?
Florida offers several Medicare Advantage plan types, each with different network structures:
HMO Plans
- Lowest premiums
- Must use network doctors
- Need PCP referrals
- Best for: Budget-conscious
PPO Plans
- More flexibility
- Out-of-network coverage
- No referrals needed
- Best for: Travelers
SNP Plans
- For chronic conditions
- Dual-eligible (Medicare + Medicaid)
- Extra benefits
- Best for: Special needs
What extra benefits do Florida Medicare Advantage plans include?
Many 2026 Florida Medicare Advantage plans include these valuable extras at no additional cost:
Cleanings, X-rays, dentures
Exams, glasses, contacts
Tests, hearing aids
SilverSneakers gym
Rides to doctors
$50-$200+/quarter
✨ 2026 Bonus: Many Florida plans now include meal delivery after hospital stays, grocery allowances, and telehealth services!
Should I choose Medicare Advantage or Medicare Supplement (Medigap)?
This is one of the most important decisions Florida Medicare beneficiaries face. Here's a side-by-side comparison:
| Feature | Medicare Advantage | Medicare Supplement |
|---|---|---|
| Monthly Premium | $0-$75 | $100-$300+ |
| Doctor Network | Network required | Any Medicare doctor |
| Drug Coverage | Usually included | Separate Part D needed |
| Dental/Vision/Hearing | Often included | Not included |
| Out-of-Pocket Maximum | Yes ($3,500-$7,550) | No cap (Plan G/N) |
| Referrals Required | HMO: Yes, PPO: No | No |
| Best For | Budget-conscious, healthy | Frequent travelers, complex care |
You want lower premiums and extra benefits like dental/vision
You want freedom to see any doctor nationwide
What is the out-of-pocket maximum and why does it matter?
The out-of-pocket maximum (MOOP) is one of the biggest advantages of Medicare Advantage. It's the most you'll pay for covered services in a calendar year.
⚠️ Original Medicare has NO out-of-pocket maximum. If you have a serious illness, costs could be unlimited. Medicare Advantage protects you with a cap.
What happens to my Medicare Advantage plan if I travel or move?
Understanding coverage outside your plan's service area is crucial for Florida snowbirds and travelers:
Short Trips (Under 6 months)
- Emergency care covered nationwide
- PPO plans: routine care covered
- HMO plans: emergencies only
Moving Permanently
- Special Enrollment Period
- Must switch to local plan
- 60 days to choose new plan
Snowbirds (6+ months away)
- Consider PPO for flexibility
- Or Medigap + Part D instead
- Plan carefully before leaving
🎯 Florida Snowbird Tip: If you spend 6+ months outside Florida, a PPO plan or Medicare Supplement may be better choices than an HMO.
What do Medicare Advantage star ratings mean?
Medicare assigns 1-5 star ratings to help you compare plans. Higher stars mean better quality and service:
Top-tier quality, highest customer satisfaction, best outcomes
Quality care, good customer service, recommended
Meets minimum standards, room for improvement
Quality concerns, consider other options
💡 Pro Tip: Plans with 5 stars offer a special enrollment period year-round, and may have lower costs for members with Extra Help.
How does prescription drug coverage work in Medicare Advantage?
Most Medicare Advantage plans include Part D drug coverage with a tiered formulary system. Understanding tiers helps predict your costs:
Lowest cost, most common generics
Other generic medications
Preferred brand-name drugs
Higher-cost brand medications
High-cost specialty medications
🎯 Important: We check ALL your medications against plan formularies to find the plan with the lowest total drug costs for you.
Can I switch Medicare Advantage plans if I'm not happy?
Yes! You have multiple opportunities to change your Medicare Advantage plan throughout the year:
Switch to any Medicare Advantage or Part D plan. Changes effective January 1.
Switch to another MA plan or drop back to Original Medicare + Part D.
Moving, losing coverage, Medicaid eligibility, or other qualifying events.
Switch to a 5-star rated plan anytime during the year.
✅ Free Help: Not sure if you can switch? Call us and we'll check your eligibility for a Special Enrollment Period.
Ready to Compare Medicare Advantage Plans?
Our licensed Medicare specialists will help you find the right plan at the best price.
