Medicare Plans in
Indian River County, FL

74 Medicare Advantage Plans Found in Indian River County. See Plans

Indian River County, FL
Medicare Information

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For Indian River 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, 74 private Medicare plans are available in Indian River County, and coverage is provided through Medicare-approved private companies, following rules set by Medicare.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.


For Indian River 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, 74 private Medicare plans are available in Indian River 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 Indian River County, Florida, including average costs, out-of-pocket expenses and what’s involved in obtaining prescription drug coverage.

Average Cost of Medicare
Plans in Indian River County

Average Cost of Medicare Advantage Plans in Indian River County, Florida
Average Monthly Premium $48.19
Average in-network out-of-pocket spending limit $4,333.12
Average drug deductible in 2024 (weighted) $338.00
Percentage of plans rated 4 stars or higher 70.3%
Average Cost of Medicare Advantage Plans in Indian River County, Florida
Average Monthly Premium
$48.19
Average in-network out-of-pocket spending limit
$4,333.12
Average drug deductible in 2021 (weighted)
$338.00
Percentage of plans rated 4 stars or higher
70.3%

Learn More About Medicare
Prescription Drug Plans

Indian River 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.

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Talk to a licensed agent today to find a plan that fits your needs.

Medicare Advantage Plans

Aetna Inc.

Aetna Inc. Medicare Plans in Indian River 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 Premier (PPO) H5521: 273 $0 $150 $4,700 Yes
4 out of 5
Aetna Medicare Select (HMO) H1609: 063 $0 $0 $2,800 Yes
3.5 out of 5
Aetna Medicare Assure Plus (HMO D-SNP) H1609: 062 $35 $0 $3,850 Yes
3.5 out of 5
Cigna

Cigna Medicare Plans in Indian River 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 Preferred Medicare (HMO) H5410: 037 $0 $0 $3,250 Yes
4.5 out of 5
Cigna TotalCare (HMO D-SNP) H5410: 055 $0 $0 $4,500 Yes
4.5 out of 5
Cigna TotalCare Plus (HMO D-SNP) H5410: 047 $0 $0 $1,500 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: 040 $0 $0 $3,800 Yes
4.5 out of 5
Cigna True Choice Medicare (PPO) H7849: 014 $0 $0 $4,400 Yes
3 out of 5

Devoted Health

Devoted Health Medicare Plans in Indian River 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 CORE East Coast Florida (HMO) H1290: 046 $0 $0 $3,400 Yes
5 out of 5
Devoted DUAL PLUS Florida (HMO D-SNP) H1290: 052 $0 $0 $3,400 Yes
5 out of 5
Devoted CHOICE GIVEBACK East Coast Florida (PPO) H9884: 008 $0 $350 $4,850 Yes
Not enough data available
Devoted ESSENTIALS East Coast Florida (HMO) H1290: 045 $0 $150 $4,900 Yes
5 out of 5
Devoted DUAL East Coast Florida (HMO D-SNP) H1290: 039 $0 $0 $3,400 Yes
5 out of 5

Florida Blue

Florida Blue Medicare Plans in Indian River 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 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 Choice (Regional PPO) R3332: 001 $67 $250 $6,500 Yes
3.5 out of 5

Freedom Health Inc.

Freedom Health Inc. Medicare Plans in Indian River 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 Rewards (HMO C-SNP) H5427: 108 $0 $0 $3,400 Yes
4.5 out of 5
Freedom VIP Savings (HMO C-SNP) H5427: 082 $0 $0 $3,400 Yes
4.5 out of 5
Freedom VIP Savings COPD (HMO C-SNP) H5427: 083 $0 $0 $3,400 Yes
4.5 out of 5
Freedom Platinum Rewards Plan Rx (HMO) H5427: 106 $0 $0 $3,400 Yes
4.5 out of 5
Freedom Platinum Plan Rx (HMO) H5427: 088 $0 $0 $1,750 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
Freedom Platinum Plus Plan Rx (HMO) H5427: 109 $43 $0 $1,500 Yes
4.5 out of 5
Humana Inc.

Humana Inc. Medicare Plans in Indian River 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
Humana USAA Honor (PPO) H5216: 256 $0 N/A $4,900 No
4.5 out of 5
CareSalute (HMO-POS) H1019: 143 $0 N/A $4,900 No
4 out of 5
HumanaChoice Florida H5216-311 (PPO) H5216: 311 $0 $350 $4,850 Yes
4.5 out of 5
CareComplete Platinum (HMO C-SNP) H1019: 108 $0 $0 $3,800 Yes
4 out of 5
HumanaChoice Florida H5216-062 (PPO) H5216: 062 $0 $150 $3,350 Yes
4.5 out of 5
CareBreeze Platinum (HMO C-SNP) H1019: 117 $0 $0 $3,900 Yes
4 out of 5
CareFree (HMO) H1019: 134 $0 $0 $3,850 Yes
4 out of 5
Humana Gold Plus H1036-286 (HMO) H1036: 286 $0 $0 $6,500 Yes
5 out of 5
Humana Gold Plus SNP-DE H1036-226 (HMO D-SNP) H1036: 226 $0 $0 $6,700 Yes
5 out of 5
CareFree Platinum (HMO) H1019: 139 $0 $0 $4,000 Yes
4 out of 5
HumanaChoice Florida SNP-DE H7284-010 (PPO D-SNP) H7284: 010 $0 $0 $5,000 Yes
4 out of 5
CareOne Platinum (HMO-POS) H1019: 110 $0 $0 $3,750 Yes
4 out of 5
Humana Gold Plus - Diabetes and Heart (HMO C-SNP) H1036: 292 $0 $0 $3,350 Yes
5 out of 5
CareNeeds Plus (HMO D-SNP) H1019: 073 $0 $0 $3,400 Yes
4 out of 5
CareNeeds Platinum (HMO D-SNP) H1019: 146 $0 $0 $3,400 Yes
4 out of 5
Humana Gold Plus H1036-229 (HMO) H1036: 229 $0 $0 $2,500 Yes
5 out of 5
CareOne Plus (HMO) H1019: 043 $0 $0 $3,400 Yes
4 out of 5
Humana Gold Plus Lung (HMO C-SNP) H1036: 298 $0 $0 $3,350 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 Indian River 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 Diamond Rewards (HMO C-SNP) H5594: 034 $0 $0 $6,700 Yes
5 out of 5
Optimum Diamond Rewards COPD (HMO C-SNP) H5594: 035 $0 $0 $6,700 Yes
5 out of 5
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 Indian River 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 Freedom (PPO) H9469: 002 $0 $150 $4,500 Yes
Plan too new to be measured
UnitedHealthcare

UnitedHealthcare Medicare Plans in Indian River 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
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-001P (HMO-POS) H1045: 036 $0 $0 $2,900 Yes
4.5 out of 5
AARP Medicare Advantage from UHC FL-0006 (HMO-POS) H1045: 028 $0 $0 $3,800 Yes
4.5 out of 5
UHC Dual Complete FL-D002 (HMO-POS D-SNP) H1045: 039 $0 $0 $8,850 Yes
4.5 out of 5
UHC Dual Complete FL-D003 (PPO D-SNP) H1889: 002 $0 $0 $8,850 Yes
4.5 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
AARP Medicare Advantage from UHC FL-0025 (PPO) H2406: 017 $0 $0 $4,400 Yes
4 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 Indian River 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 No Premium (HMO) H1032: 194 $0 $0 $2,900 Yes
3.5 out of 5
Wellcare Dual Liberty (HMO D-SNP) H1032: 175 $0 $0 $8,850 Yes
3.5 out of 5
Wellcare Giveback (HMO) H1032: 193 $0 $545 $5,000 Yes
3.5 out of 5
Wellcare No Premium Open (PPO) H5199: 008 $0 $450 $5,500 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