Florida Blue, affiliated with Blue Cross Blue Shield, offers Medicare Advantage plans across all 67 counties in Florida. Their plans include HMO and PPO options, catering to diverse healthcare needs.
Key Benefits:
- $0 Monthly Premiums: Many plans come with no monthly premium, making them cost-effective for beneficiaries.
- Prescription Drug Coverage: Most plans include Part D coverage, simplifying medication management.
- Additional Benefits: Dental, vision, and hearing services are included in many plans.
- Fitness Programs: Access to SilverSneakers® fitness programs promotes active lifestyles.
- Transportation Services: Some plans offer transportation to medical appointments at no extra cost.
- Caregiver Support: Resources and tools are available to assist caregivers in managing their loved ones’ health needs.
Considerations:
- Star Ratings: Florida Blue’s Medicare Advantage plans have an average rating of 3.5 out of 5 stars, which is below the national average of 3.95.
- Plan Availability: Certain plans, like the Medicare Choice Plan (Regional PPO), will no longer be available in 2025 due to service area reductions.
Humana Medicare Advantage (2025)
Overview: Humana is a leading provider of Medicare Advantage plans in Florida, offering a variety of HMO and PPO options to suit different preferences and healthcare requirements.
Key Benefits:
- Extensive Network: Humana’s PPO plans allow members to see any Medicare-approved doctor who accepts Humana’s terms, providing flexibility in choosing healthcare providers.
- Unlimited PCP Visits: Most HMO plans offer unlimited visits to primary care providers, facilitating continuous care.
- Additional Benefits: Plans often include dental, vision, and hearing services, as well as wellness programs.
- Healthy Options Allowance: Eligible members receive allowances for approved expenses like groceries, over-the-counter products, and utilities.
- Medication Therapy Management: Members have access to personalized medication reviews with healthcare professionals.
Considerations:
- Plan Adjustments: Humana has announced the discontinuation of certain Medicare Advantage plans in specific counties for 2025, affecting some beneficiaries.
- Star Ratings: While Humana has received high ratings in the past, some plans have experienced downgrades, impacting future reimbursement rates.
Comparative Summary
| Feature | Florida Blue | Humana |
| Plan Types | HMO, PPO | HMO, PPO |
| Monthly Premiums | Many $0 premium plans | Many $0 premium plans |
| Prescription Coverage | Included in most plans | Included in most plans |
| Additional Benefits | Dental, vision, hearing, fitness, transportation | Dental, vision, hearing, wellness programs |
| Caregiver Support | Available | Not specified |
| Healthy Options Allowance | Not specified | Available for eligible members |
| Star Ratings | Average 3.5 stars | Varies by plan; some downgrades reported |
| Plan Availability Changes | Some plans discontinued in 2025 | Some plans discontinued in specific counties |
Both Florida Blue and Humana offer comprehensive Medicare Advantage plans in Florida for 2025. Your choice may depend on specific healthcare needs, preferred providers, and the availability of plans in your area. It’s essential to review each plan’s details, including coverage, bens, and any recent changes, to determine the best fit for your situation.