Florida › Sarasota County
Medicare plans in Sarasota County, Florida
2027 plans. Other years: 2026 · 2027
Where to start
This page lists every Medicare plan sold in Sarasota County for 2027, sorted from the lowest cost each month. They're in four tables below, by the kind of coverage. Jump to the one that fits you. Under each table, Compare these plans opens the same plans in our plan list, where you can add your prescriptions, narrow the list and compare plans side by side.
- Medicare Advantage with drug coverage (31 plans)
- Part D drug plans (11 plans)
- Special needs plans (48 plans)
- Medicare Advantage without drug coverage (10 plans)
- Medigap (Medicare Supplement) prices
Not sure which you need? Most people choose either a Medicare Advantage plan, which usually includes drug coverage, or Original Medicare with a Part D drug plan and often a Medigap policy to pay what Medicare leaves.
What would these plans cost you? Try the calculator → It's set to Sarasota County. Add your age, health and drugs to see what each kind of plan would cost you next year and over the years ahead.
The best plan here for…
- A low monthly premium
- Money back on your Part B premium
- The lowest cost in a bad year
- Dental coverage
- A high star rating
- Seeing doctors outside a network
- The lowest-priced Medigap Plan G
No plan is best for everyone, so we pick one for each of these and explain why. All our picks in Sarasota County
At a glance
- 41 Medicare Advantage plans are open to anyone with Medicare here; 37 charge no monthly premium.
- 19 give back part of your Part B premium, up to $202.90 a month.
- The lowest yearly limit on what you pay for in-network care is $2,750.
- 11 Part D drug plans, from $5.30 to $326 a month.
Medicare Advantage plans with drug coverage 31
Medical and drug coverage in one plan, open to anyone with Medicare who lives here. This is what most people mean by a Medicare Advantage plan.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| Premier by Ultimate (HMO) Ultimate Health Plans · H2962-047-000 | HMO | $0/moGives back $202.90/mo of your Part B premium | $3,200 | 3.5★ |
| DEVOTED GIVEBACK 032 FL (HMO) Devoted Health · H1290-032-000 | HMO | $0/moGives back $202/mo of your Part B premium | $7,150 | 4.5★ |
| DEVOTED CHOICE GIVEBACK 016 FL (PPO) Devoted Health · H9884-016-000 | PPO | $0/moGives back $166.70/mo of your Part B premium | $7,150 | 4.0★ |
| Freedom Platinum Rewards Plan Rx (HMO) Freedom Health, Inc. · H5427-103-000 | HMO | $0/moGives back $150/mo of your Part B premium | $3,400 | 4.0★ |
| Humana Gold Plus Giveback H1036-265 (HMO) Humana · H1036-265-002 | HMO | $0/moGives back $129.30/mo of your Part B premium | $3,300 | 4.5★ |
| Humana Essentials Plus Giveback (PPO) Humana · H7617-126-000 | PPO | $0/moGives back $92/mo of your Part B premium | $7,150 | 4.5★ |
| DEVOTED GIVEBACK EXTRAS 109 FL (HMO) Devoted Health · H1290-109-000 | HMO | $0/moGives back $90/mo of your Part B premium | $5,400 | 4.5★ |
| Wellcare Giveback (HMO-POS) Wellcare · H1032-198-000 | HMO-POS | $0/moGives back $79.50/mo of your Part B premium | $7,200 | 4.0★ |
| Humana Gold Plus H1036-074 (HMO) Humana · H1036-074-000 | HMO | $0/moGives back $5.10/mo of your Part B premium | $3,550 | 4.5★ |
| Humana Value Choice (PPO) Humana · H5216-072-000 | PPO | $0/moGives back $3.40/mo of your Part B premium | $5,600 | 4.0★ |
| Wellcare Simple (HMO-POS) Wellcare · H1032-199-000 | HMO-POS | $0/mo | $3,000 | 4.0★ |
| BlueMedicare Classic (HMO) Florida Blue HMO · H1035-019-000 | HMO | $0/mo | $6,750 | 3.5★ |
| BlueMedicare Premier (HMO) Florida Blue HMO · H1035-045-000 | HMO | $0/mo | $3,500 | 3.5★ |
| AARP Medicare Advantage from UHC FL-0006 (HMO-POS) UnitedHealthcare · H1045-028-000 | HMO-POS | $0/mo | $3,800 | 4.0★ |
| AARP Medicare Advantage from UHC FL-0010 (HMO-POS) UnitedHealthcare · H1045-034-000 | HMO-POS | $0/mo | $3,400 | 4.0★ |
| AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) UnitedHealthcare · H1045-059-000 | HMO-POS | $0/mo | $7,150 | 4.0★ |
| DEVOTED CORE 025 FL (HMO) Devoted Health · H1290-025-000 | HMO | $0/mo | $3,950 | 4.5★ |
| DEVOTED CORE 061 FL (HMO) Devoted Health · H1290-061-000 | HMO | $0/mo | $3,900 | 4.5★ |
| Aetna Medicare Select (HMO) Aetna Medicare · H1609-025-000 | HMO | $0/mo | $3,400 | 4.0★ |
| Aetna Medicare Select Extra (HMO-POS) Aetna Medicare · H1609-028-000 | HMO-POS | $0/mo | $6,750 | 4.0★ |
| AARP Medicare Advantage from UHC FL-0017 (PPO) UnitedHealthcare · H2406-009-000 | PPO | $0/mo | $7,150 | 4.0★ |
| HealthSpring Preferred (HMO) HealthSpring · H5410-059-000 | HMO | $0/mo | $7,100 | 3.0★ |
| Freedom Medicare Plan Rx (HMO) Freedom Health, Inc. · H5427-060-000 | HMO | $0/mo | $4,450 | 4.0★ |
| Freedom Platinum Plan Rx (HMO) Freedom Health, Inc. · H5427-091-000 | HMO | $0/mo | $2,750 | 4.0★ |
| BlueMedicare Value (PPO) Florida Blue · H5434-024-000 | PPO | $0/mo | $5,900 | 3.0★ |
| Aetna Medicare Signature Legacy (PPO) Aetna Medicare · H5521-272-000 | PPO | $0/mo | $5,500 | 4.0★ |
| Aetna Medicare Signature (PPO) Aetna Medicare · H5521-710-000 | PPO | $0/mo | $7,150 | 4.0★ |
| Optimum Gold Plan (HMO) Optimum HealthCare, Inc. · H5594-019-000 | HMO | $0/mo | $4,450 | 4.5★ |
| HumanaChoice R5826-074 (Regional PPO) Humana · R5826-074-000 | Regional PPO | $35/mo | $7,550 | 4.0★ |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO) UnitedHealthcare · R0759-001-000 | Regional PPO | $127/mo | $9,850 | 3.5★ |
| HumanaChoice R5826-005 (Regional PPO) Humana · R5826-005-000 | Regional PPO | $161/mo | $6,700 | 4.0★ |
Part D drug plans 11
Standalone drug coverage, for people who keep Original Medicare (often with a Medigap policy). Drug plans are sold for a whole region, so the same plans are sold throughout Florida.
| Plan | Premium | Drug deductible | Stars |
|---|---|---|---|
| Wellcare Value Script (PDP) Wellcare · S4802-146-000 | $5.30/mo | $700 | 3★ |
| Wellcare Classic (PDP) Wellcare · S4802-083-000 | $7.30/mo | $700 | 3★ |
| HealthSpring Assurance Rx (PDP) Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-032-000 | $9.30/mo | $700 | 2.5★ |
| Humana Value Rx Plan (PDP) Humana · S5884-190-000 | $45.20/mo | $687 | 4.5★ |
| Humana Basic Rx Plan (PDP) Humana · S5884-105-000 | $90.30/mo | $700 | 4.5★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-022-000 | $126/mo | $700 | 2.5★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-157-000 | $135.20/mo | $350 | 4.5★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-356-000 | $149.20/mo | $700 | 3★ |
| BlueMedicare Premier Rx (PDP) Florida Blue · S5904-001-000 | $164.60/mo | $700 | 2.5★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-383-000 | $184.10/mo | $300 | 3★ |
| BlueMedicare Complete Rx (PDP) Florida Blue · S5904-002-000 | $326/mo | $700 | 2.5★ |
Special needs plans 48
Medicare Advantage plans built for people with particular needs, and open only to people who have them. If one of the three below describes you, these are often worth a look before a general plan. Each row says who can join.
Who special needs plans are for
- D-SNP: you have Medicaid as well as Medicare (sometimes called "dual eligible" or "Medi-Medi").
- C-SNP: you have a chronic condition the plan is built around, such as diabetes, heart failure, chronic lung disease or dementia. The plan checks with your doctor.
- I-SNP: you live in a nursing home or similar facility, or need that level of care at home.
Why people choose them
- Care built around you. Most assign a care coordinator, and many run clinical programs for the condition they serve: diabetes education and supplies, heart or lung monitoring, medication reviews, or doctors who visit you in a facility.
- Often more generous extras. Many offer larger allowances than general plans for groceries, over-the-counter items, transportation, meals or utilities. Compare the figures; they vary widely from plan to plan.
- Lower costs for many members. With full Medicaid, a D-SNP member usually pays nothing for care Medicare covers.
The catch: you have to qualify, and the plan will check, for example your Medicaid status or a doctor's confirmation of your condition. If you're not sure, your State Health Insurance Assistance Program (SHIP) gives free, unbiased advice.
| Plan | Network | Who can join | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|---|
| Advantage Care COPD by Ultimate (HMO C-SNP) Ultimate Health Plans · H2962-023-000 | HMO | Only for people with certain chronic conditionsLung | $0/moGives back $202.90/mo of your Part B premium | $2,600 | 3.5★ |
| Advantage Care by Ultimate (HMO C-SNP) Ultimate Health Plans · H2962-052-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $202.90/mo of your Part B premium | $3,400 | 3.5★ |
| Freedom VIP Savings (HMO C-SNP) Freedom Health, Inc. · H5427-072-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $202.90/mo of your Part B premium | $3,400 | 4.0★ |
| Freedom VIP Savings COPD (HMO C-SNP) Freedom Health, Inc. · H5427-077-000 | HMO | Only for people with certain chronic conditionsLung | $0/moGives back $202.90/mo of your Part B premium | $3,400 | 4.0★ |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · H1036-299-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $177/mo of your Part B premium | $2,000 | 4.5★ |
| Humana Gold Plus Lung (HMO C-SNP) Humana · H1036-312-000 | HMO | Only for people with certain chronic conditionsLung | $0/moGives back $175.30/mo of your Part B premium | $2,000 | 4.5★ |
| Gold Heart & Diabetes (HMO-POS C-SNP) Gold Kidney Health Plan · H1526-001-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $133/mo of your Part B premium | $2,700 | 2.5★ |
| BlueMedicare Focus (HMO C-SNP) Florida Blue HMO · H1035-056-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $130/mo of your Part B premium | $3,400 | 3.5★ |
| Optimum Diamond Savings (HMO C-SNP) Optimum HealthCare, Inc. · H5594-030-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $65/mo of your Part B premium | $5,000 | 4.5★ |
| UHC Complete Care FL-14 (HMO-POS C-SNP) UnitedHealthcare · H1045-048-002 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $30/mo of your Part B premium | $3,400 | 4.0★ |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · H1036-338-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $0.70/mo of your Part B premium | $2,850 | 4.5★ |
| Humana Dual Select H1036-102 (HMO D-SNP) Humana · H1036-102-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $1,500 | 4.5★ |
| Humana Fully Integrated H1036-280 (HMO D-SNP) Humana · H1036-280-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $3,400 | 4.5★ |
| Humana Dual Select H1036-314 (HMO D-SNP) Humana · H1036-314-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $3,400 | 4.5★ |
| Humana Dual Integrated (HMO D-SNP) Humana · H1036-340-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.5★ |
| UHC Dual Complete FL-QV2 (HMO-POS D-SNP) UnitedHealthcare · H1045-039-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.0★ |
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP) UnitedHealthcare · H1045-073-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.0★ |
| DEVOTED DUAL 034 FL (HMO D-SNP) Devoted Health · H1290-034-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $4,400 | 4.5★ |
| DEVOTED DUAL QMB 052 FL (HMO D-SNP) Devoted Health · H1290-052-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.5★ |
| DEVOTED DUAL FULL 100 FL (HMO D-SNP) Devoted Health · H1290-100-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.5★ |
| Gold Dialysis & Kidney (HMO-POS C-SNP) Gold Kidney Health Plan · H1526-003-000 | HMO-POS | Only for people with certain chronic conditionsKidney | $0/mo | $3,400 | 2.5★ |
| Gold Dialysis Premier (HMO-POS C-SNP) Gold Kidney Health Plan · H1526-010-000 | HMO-POS | Only for people with certain chronic conditionsKidney | $0/mo | $2,400 | 2.5★ |
| Gold Heart & Diabetes Plus (HMO-POS C-SNP) Gold Kidney Health Plan · H1526-012-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $4,100 | 2.5★ |
| Aetna Medicare Partial Dual Select (HMO D-SNP) Aetna Medicare · H1609-047-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.0★ |
| Aetna Medicare Full Dual Select (HMO D-SNP) Aetna Medicare · H1609-075-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.0★ |
| Aetna Medicare Chronic Care (HMO C-SNP) Aetna Medicare · H1609-098-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $3,600 | 4.0★ |
| UHC Dual Complete FL-Q1 (PPO D-SNP) UnitedHealthcare · H1889-002-002 | PPO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| Advantage Plus by Ultimate (Full) (HMO D-SNP) Ultimate Health Plans · H2962-035-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $500 | 3.5★ |
| Advantage Plus by Ultimate (Partial) (HMO D-SNP) Ultimate Health Plans · H2962-036-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $500 | 3.5★ |
| Humana Dual Select H5216-394 (PPO D-SNP) Humana · H5216-394-000 | PPO | Only for people who have Medicaid as well as Medicare | $0/mo | $4,900 | 4.0★ |
| Humana Dual Integrated (PPO D-SNP) Humana · H5216-480-000 | PPO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.0★ |
| Freedom VIP Care (HMO C-SNP) Freedom Health, Inc. · H5427-070-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $1,000 | 4.0★ |
| Freedom Medi-Medi Partial (HMO D-SNP) Freedom Health, Inc. · H5427-078-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $500 | 4.0★ |
| Simply Complete Platinum (HMO D-SNP) Simply Healthcare Plans, Inc. · H5471-118-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $500 | 4.0★ |
| Simply Integrated Platinum (HMO D-SNP) Simply Healthcare Plans, Inc. · H5471-135-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $500 | 4.0★ |
| Optimum Emerald Partial (HMO D-SNP) Optimum HealthCare, Inc. · H5594-016-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $500 | 4.5★ |
| Florida Complete Care (HMO I-SNP) Florida Complete Care · H9986-001-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $0/mo | $3,400 | 3.0★ |
| Florida Complete Care- In The Community (HMO-POS I-SNP) Florida Complete Care · H9986-002-000 | HMO-POS | Only for people who live in a nursing home, or need that level of care at home | $0/mo | $3,400 | 3.0★ |
| Florida Complete Care-Duals VIP (HMO-POS D-SNP) Florida Complete Care · H9986-004-003 | HMO-POS | Only for people who have Medicaid as well as Medicare | $0/mo | $3,400 | 3.0★ |
| UHC Dual Complete FL-Q3 (Regional PPO D-SNP) UnitedHealthcare · R0759-003-000 | Regional PPO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| UHC Nursing Home Plan FL-F001 (PPO I-SNP) UnitedHealthcare · H0710-010-000 | PPO | Only for people who live in a nursing home, or need that level of care at home | $6.10/mo | $9,850 | 5.0★ |
| Gold Heart & Diabetes Complete (HMO-POS C-SNP) Gold Kidney Health Plan · H1526-002-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $7.30/mo | $9,750 | 2.5★ |
| Gold Dialysis & Kidney Complete (HMO-POS C-SNP) Gold Kidney Health Plan · H1526-004-000 | HMO-POS | Only for people with certain chronic conditionsKidney | $7.30/mo | $9,250 | 2.5★ |
| Longevity Health Plan (HMO I-SNP) Longevity Health Plan · H1644-001-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $7.30/mo | $9,850 | 5.0★ |
| UHC Dual Complete FL-Y7 (PPO D-SNP) UnitedHealthcare · H1889-026-000 | PPO | Only for people who have Medicaid as well as Medicare | $7.30/mo | $9,850 | 3.5★ |
| HealthSpring TotalCare Plus (HMO D-SNP) HealthSpring · H5410-032-000 | HMO | Only for people who have Medicaid as well as Medicare | $7.30/mo | $9,850 | 3.0★ |
| HealthSpring TotalCare (HMO D-SNP) HealthSpring · H5410-046-000 | HMO | Only for people who have Medicaid as well as Medicare | $7.30/mo | $9,850 | 3.0★ |
| American Health Advantage of Florida (HMO I-SNP) American Health Advantage of Florida · H6652-001-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $7.30/mo | $9,850 | Not yet rated |
PACE
PACE isn't a special needs plan, but it isn't open to everyone either: it is for people 55 and older who need a nursing-home level of care and can live safely at home with its help. Sold here: Stratum LIFE, LLC (PACE), Stratum LIFE, LLC (PACE).
Medicare Advantage plans without drug coverage 10
Medical coverage only. These suit people who get their drugs elsewhere, such as from the VA or an employer, since you generally can't add a separate Part D plan to them.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| BlueMedicare Patriot Plus (PPO) Florida Blue · H5434-048-000 | PPO | $0/moGives back $200/mo of your Part B premium | $6,750 | 3.0★ |
| Humana USAA Honor Giveback (PPO) Humana · H7617-108-000 | PPO | $0/moGives back $182/mo of your Part B premium | $6,750 | 4.5★ |
| Humana USAA Honor Giveback (HMO) Humana · H1036-119-000 | HMO | $0/moGives back $151/mo of your Part B premium | $3,900 | 4.5★ |
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare · H5521-306-000 | PPO | $0/moGives back $120/mo of your Part B premium | $7,150 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) UnitedHealthcare · H2406-130-000 | PPO | $0/moGives back $100/mo of your Part B premium | $8,900 | 4.0★ |
| BlueMedicare Patriot (PPO) Florida Blue · H5434-042-000 | PPO | $0/moGives back $100/mo of your Part B premium | $6,750 | 3.0★ |
| Freedom Savings Plan (HMO) Freedom Health, Inc. · H5427-052-000 | HMO | $0/moGives back $75/mo of your Part B premium | $4,450 | 4.0★ |
| Humana USAA Honor Giveback (PPO) Humana · H5216-257-000 | PPO | $0/moGives back $60/mo of your Part B premium | $6,000 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) UnitedHealthcare · R0759-002-000 | Regional PPO | $0/moGives back $27/mo of your Part B premium | $9,250 | 3.5★ |
| HumanaChoice R5826-018 (Regional PPO) Humana · R5826-018-000 | Regional PPO | $9/mo | $7,550 | 4.0★ |
Medigap (Medicare Supplement)
A Medigap policy pays some or all of what Original Medicare leaves you owing, and works with any doctor who takes Medicare. The coverage of each plan letter is the same whichever company sells it; only the price differs.
- Plan G: $261–$575/mo from 25 companies, at age 65.
- Plan N: $230–$439/mo from 24 companies, at age 65.
Discussion
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