Medicare Plans in Florida
Compare Options for 2026
As an independent Florida Medicare advisor, I compare plans from Aetna, Humana, UnitedHealthcare, WellCare, Simply Healthcare, Cigna, Florida Blue, and 15+ more carriers — so you get the right coverage for your doctors, prescriptions, and budget.
Medicare in Florida: What You Need to Know for 2026
Florida has the highest Medicare Advantage penetration rate in the nation — nearly 65% of Florida's 5+ million Medicare beneficiaries are enrolled in an MA plan. With massive retirement communities like The Villages, Boca Raton, Naples, and Sarasota, competition among carriers is fierce, often resulting in rich benefit packages at low or zero premiums. Knowing which plan fits your specific health needs and preferred providers is essential in such a crowded market.
Medicare Advantage
Florida offers some of the richest MA benefit packages in the country — $0 premiums, dental, vision, hearing, fitness benefits, and even grocery allowances. Top carriers: Aetna, Humana, UHC, WellCare, Simply Healthcare, Florida Blue.
Best for: Those wanting maximum benefits at lowest cost
Medicare Supplement (Medigap)
Florida Medigap plans follow federal standardization. Plans G and N are most popular. Excellent choice for snowbirds who spend part of the year in other states, as Medigap works nationwide with any Medicare-accepting provider.
Best for: Snowbirds & those wanting nationwide coverage
Part D Drug Plans
Stand-alone Part D plans available statewide. Florida's Extra Help program provides significant savings for qualifying low-income beneficiaries. Formularies vary widely — compare before you enroll.
Best for: Those on Original Medicare needing drug coverage
Florida Cities & Service Areas
Rodney Cummings serves Medicare beneficiaries across all of Florida, including:
Florida Medicare Key Dates for 2026
- 📅 Open Enrollment: Oct 15 – Dec 7, 2025 (for 2026 coverage)
- 🎂 Turning 65? Your Initial Enrollment Period begins 3 months before your birthday month
- ⚠️ Late enrollment penalty: 10% per year on Part B if you don't enroll on time
- 🌴 Snowbird tip: If you split time between Florida and another state, Medigap travels with you — MA plans typically do not
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