Compare Medicare Advantage Plans in Florida with Local Help You Can Trust
Medicare Advantage Plans (also known as Part C) offer an alternative way to get your Medicare coverage—and they’re a popular choice for many Florida residents. At Living Tree Financial Group in Winter Park, we help you sort through the options and choose the Medicare Advantage plan that fits your needs, budget, and local healthcare preferences.
Not sure if Medicare Advantage is right for you? Start with our Medicare Insurance Overview to understand how Part C fits into the bigger picture.
Coverage Plus Extras
What Is Medicare Advantage (Part C)?
Medicare Advantage Plans are offered by private insurance companies and provide the same hospital and medical coverage as Original Medicare (Parts A and B)—often with extra benefits like dental, vision, hearing, over-the-counter allowances, and gym memberships. Many plans also include built-in drug coverage (Part D), making them a convenient all-in-one option.
Plans are available from trusted providers like Humana, UnitedHealthcare, Florida Blue, Aetna, and more. Every plan must cover what Original Medicare does, but additional benefits, provider networks, and costs vary depending on where you live.
Types of Medicare Advantage Plans
Florida residents can choose from a range of plan types. Here’s a quick breakdown:
01
HMO (Health Maintenance Organization)
Lower premiums and out-of-pocket costs, but you must use in-network providers and get referrals for specialists.
02
PPO (Preferred Provider Organization)
More flexibility—see doctors in or out of network (though out-of-network costs may be higher). No referrals required.
03
PFFS (Private Fee-for-Service)
Plans decide how much they’ll pay providers and how much you pay; not all doctors accept these.
04
SNP (Special Needs Plans)
Tailored plans for those with specific conditions (like diabetes or heart disease), or for individuals eligible for both Medicare and Medicaid.
We’ll help you understand the pros and cons of each type—and which ones are available in your ZIP code.
Personalized Help
What You Should Know About Medicare Advantage in Florida
Medicare Advantage plans and pricing can change based on your county, doctor network, and even your pharmacy. Central Florida, including Orange, Osceola, Polk, and Pasco counties, offers dozens of plans—each with different benefits and costs.
In 2025, many Florida residents will have access to 50+ Medicare Advantage options depending on where they live. That’s why working with a local Medicare broker is so important—we help you sort through the fine print so you can focus on what really matters: your health, your doctors, and your peace of mind.
Strategic Assessments
When Can You Enroll in Medicare Advantage?
Medicare Advantage has specific enrollment windows you’ll need to follow:
- Initial Enrollment Period (IEP): When you first become eligible for Medicare (typically 3 months before and after your 65th birthday).
- Annual Election Period (AEP): October 15 to December 7 each year. Switch, drop, or enroll in a Medicare Advantage or Part D plan.
- Medicare Advantage Open Enrollment: January 1 to March 31—for those already enrolled in a Medicare Advantage plan who want to make one change.
Missed your window? We’ll help you see if you qualify for a Special Enrollment Period based on your situation.
How to Choose the Right Medicare Advantage Plan
Here’s what to consider when comparing plans:
- Does it include your current doctors and preferred hospitals?
- Are your prescriptions on the plan’s drug formulary?
- What are the monthly premiums and maximum out-of-pocket costs?
- Do you need extra benefits like dental or vision?
- Is it an HMO, PPO, or something else—and how much flexibility do you want?
Our licensed Florida Medicare agents will compare the top plans in your area and help you narrow it down to the ones that truly match your needs.
Personalized Support
Personalized Medicare Advantage Help, Right Here in Central Florida
At Living Tree, we don’t work for just one company—we work for you. We’ll take the time to:
- Check your doctors and prescriptions against plan networks and formularies
- Compare local plans from multiple trusted insurers
- Walk you through each plan’s trade-offs
- Enroll you directly and provide follow-up support any time you need it
You won’t be stuck calling an 800 number. You’ll have a real, local Medicare expert available year-round—on the phone, in your home, or over Zoom.
Frequently asked questions
Frequently Asked Questions About Medicare Advantage Plans in Florida
What is a Medicare Advantage Plan (Part C)?
A Medicare Advantage plan is an all-in-one alternative to Original Medicare. These plans are offered by private insurance companies approved by Medicare. They cover everything Parts A and B do, and often include extra benefits like prescription drug coverage, dental, vision, hearing, gym memberships, and more.
What types of Medicare Advantage plans are available?
The most common options are:
- HMO (Health Maintenance Organization): Requires using a network of doctors; referrals usually needed.
- PPO (Preferred Provider Organization): More flexibility to see out-of-network providers (often at higher cost).
- PFFS (Private Fee-for-Service): May allow any provider who accepts the plan’s payment terms.
- SNP (Special Needs Plans): Tailored for people with certain health conditions or those who qualify for both Medicare and Medicaid.
How do I know which Medicare Advantage plan is best for me?
The right plan depends on your personal needs: prescription drugs, doctor preferences, travel habits, and budget. We compare multiple plans side by side—looking at star ratings, provider networks, copays, and extras—to help you make the best choice for your situation.
Can I keep my current doctors if I join a Medicare Advantage plan?
That depends on the plan’s provider network. Some plans have broad networks across Central Florida, while others are more limited. Before you enroll, we’ll check if your doctors and specialists are in-network so you don’t lose access to care you trust.
Does Medicare Advantage include drug coverage?
Most Medicare Advantage plans include Part D prescription drug coverage (often called MA-PD plans). However, not all do—some plans don’t bundle drug benefits, especially if you have other creditable coverage like VA benefits. We’ll make sure your medications are covered and explain your options.
Are Medicare Advantage plans free in Florida?
Some plans have a $0 monthly premium beyond your Part B premium, but that doesn’t mean there are no costs. You may have copays, coinsurance, and out-of-pocket maximums. We’ll help you understand what you’ll really pay and compare your options side by side.
Can I switch Medicare Advantage plans later?
Yes. You can enroll or change plans during the Annual Election Period (Oct 15–Dec 7) or during the Medicare Advantage Open Enrollment Period (Jan 1–Mar 31) if you’re already in an MA plan. Special Enrollment Periods may apply if you move or have certain life changes.
How many Medicare Advantage plans are available in my area?
Plan availability depends on your ZIP code. In Central Florida counties like Orange, Osceola, Polk, and Seminole, there are typically dozens of options from insurers like UnitedHealthcare, Humana, Florida Blue, and more. We’ll show you what’s available specifically in your area.
Do I need a referral to see a specialist with Medicare Advantage?
If you're in an HMO, yes—most require referrals for specialists. If you're in a PPO or PFFS plan, you may not need a referral. We’ll explain the differences clearly so you know what to expect before choosing.
How do I get started with Medicare Advantage?
Unlock Your Potential
Call (321) 214-4594 or contact us here to schedule your free Medicare Advantage consultation.
Not sure if Part C is the right fit? Compare it with Medicare Supplements to see which path works better for you.
