Best Medicare Advantage Plans in Hernando County, FL for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Hernando County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
Hernando County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Optimum Gold Plus Plan (HMO)Optimum HealthCare, Inc. · HMO2 of 67 counties · drug deductible $0Part B giveback $202.90/mo · Dental · eyewear $400/yr · hearing aids $750/yr per ear · OTC items $540/yr | $0−$202.90 Part B giveback | $1,900 | −$535 | 4.5★ |
| 2 | Optimum Gold Rewards Plan (HMO)Optimum HealthCare, Inc. · HMO6 of 67 counties · drug deductible $0Part B giveback $202.90/mo · Dental · eyewear $400/yr · hearing aids $750/yr per ear · OTC items $480/yr | $0−$202.90 Part B giveback | $1,900 | −$535 | 4.5★ |
| 3 | Premier by Ultimate (HMO)Ultimate Health Plans · HMO5 of 67 counties · drug deductible $0Part B giveback $202.90/mo · Dental up to $2,500/yr · eyewear $300/yr · hearing aids $1,000/yr per ear · OTC items $900/yr | $0−$202.90 Part B giveback | $1,900 | −$535 | 3.5★ |
| 4 | Humana Gold Plus Giveback H1036-265 (HMO)Humana · HMO7 of 67 counties · drug deductible $0Part B giveback $166.80/mo · Dental up to $1,250/yr · eyewear $300/yr | $0−$166.80 Part B giveback | $2,400 | $398 | 4.5★ |
| 5 | Optimum Platinum Plan (HMO)Optimum HealthCare, Inc. · HMO6 of 67 counties · drug deductible $0Dental · eyewear $400/yr · hearing aids $750/yr per ear · OTC items $540/yr | $0 | $1,000 | $1,000 | 4.5★ |
| 6 | Humana Gold Plus H1036-025 (HMO)Humana · HMO4 of 67 counties · drug deductible $0Part B giveback $8.90/mo · Dental up to $3,000/yr · eyewear $300/yr | $0−$8.90 Part B giveback | $2,000 | $1,893 | 4.5★ |
| 7 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS6 of 67 counties · drug deductible $700Part B giveback $2/mo · Dental · eyewear $400/yr · hearing aids $1,000/yr per ear | $0−$2 Part B giveback | $2,700 | $2,676 | 4★ |
| 8 | BlueMedicare Premier Plus (HMO)Florida Blue HMO · HMO3 of 67 counties · drug deductible $350Dental · eyewear $225/yr | $0 | $2,700 | $2,700 | 3.5★ |
| 9 | AARP Medicare Advantage from UHC FL-0006 (HMO-POS)UnitedHealthcare · HMO-POS13 of 67 counties · drug deductible $405Dental up to $4,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $3,800 | $3,800 | 4★ |
| 10 | Aetna Medicare Select (HMO)Aetna Medicare · HMO6 of 67 counties · drug deductible $200Dental up to $2,000/yr · eyewear $300/yr · hearing aids $1,000/yr per ear · OTC items $160/yr | $0 | $3,900 | $3,900 | 4★ |
| 11 | DEVOTED CORE 037 FL (HMO)Devoted Health · HMO5 of 67 counties · drug deductible $650Dental up to $1,500/yr · eyewear $150/yr | $0 | $3,900 | $3,900 | 4.5★ |
| 12 | DEVOTED CORE 058 FL (HMO)Devoted Health · HMO3 of 67 counties · drug deductible $650Dental up to $3,750/yr · eyewear $400/yr · OTC items $340/yr | $0 | $3,900 | $3,900 | 4.5★ |
| 13 | DEVOTED CORE 036 FL (HMO)Devoted Health · HMO3 of 67 counties · drug deductible $650Dental up to $1,500/yr · eyewear $150/yr | $0 | $3,950 | $3,950 | 4.5★ |
| 14 | DEVOTED GIVEBACK EXTRAS 106 FL (HMO)Devoted Health · HMO3 of 67 counties · drug deductible $700Part B giveback $70/mo · Dental up to $4,000/yr · eyewear $400/yr · OTC items $608/yr | $0−$70 Part B giveback | $5,150 | $4,310 | 4.5★ |
| 15 | AARP Medicare Advantage from UHC FL-0013 (HMO-POS)UnitedHealthcare · HMO-POS3 of 67 counties · drug deductible $405Part B giveback $5/mo · Dental up to $3,000/yr · eyewear $125/yr · hearing aids $700/yr | $0−$5 Part B giveback | $4,450 | $4,390 | 4★ |
| 16 | DEVOTED GIVEBACK 051 FL (HMO)Devoted Health · HMO3 of 67 counties · drug deductible $650Part B giveback $202/mo · Dental up to $1,250/yr · eyewear $350/yr | $0−$202 Part B giveback | $7,150 | $4,726 | 4.5★ |
| 17 | Wellcare Giveback (HMO-POS)Wellcare · HMO-POS6 of 67 counties · drug deductible $700Part B giveback $175/mo · Dental · eyewear $200/yr | $0−$175 Part B giveback | $7,200 | $5,100 | 4★ |
| 18 | BlueMedicare Premier (HMO)Florida Blue HMO · HMO2 of 67 counties · drug deductible $615Dental · eyewear $225/yr | $0 | $5,500 | $5,500 | 3.5★ |
| 19 | Humana Value Choice (PPO)Humana · PPO20 of 67 counties · drug deductible $700Part B giveback $3.40/mo · Dental up to $500/yr · eyewear $200/yr | $0−$3.40 Part B giveback | $5,600 | $5,559 | 4★ |
| 20 | Humana Essentials Plus Giveback (PPO)Humana · PPO37 of 67 counties · drug deductible $700Part B giveback $92/mo · Dental up to $500/yr · eyewear $100/yr | $0−$92 Part B giveback | $7,150 | $6,046 | 4.5★ |
| 21 | BlueMedicare Classic (HMO)Florida Blue HMO · HMO4 of 67 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 22 | BlueMedicare Value (PPO)Florida Blue · PPO2 of 67 counties · drug deductible $597Dental · eyewear $200/yr · OTC items $120/yr | $0 | $6,750 | $6,750 | 3★ |
| 23 | HealthSpring Preferred (HMO)HealthSpring · HMO8 of 67 counties · drug deductible $400Dental up to $1,900/yr · eyewear $200/yr | $0 | $7,100 | $7,100 | 3★ |
| 24 | AARP Medicare Advantage from UHC FL-0019 (PPO)UnitedHealthcare · PPO5 of 67 counties · drug deductible $685Preventive dental · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 25 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO5 of 67 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 26 | Aetna Medicare Signature Legacy (PPO)Aetna Medicare · PPO5 of 67 counties · drug deductible $700Dental up to $750/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 27 | DEVOTED CHOICE GIVEBACK 008 FL (PPO)Devoted Health · PPO9 of 67 counties · drug deductible $461Part B giveback $174.70/mo · Dental up to $1,250/yr · eyewear $350/yr | $0−$174.70 Part B giveback | $9,850 | $7,754 | 4★ |
| 28 | HumanaChoice R5826-074 (Regional PPO)Humana · Regional PPOAll 67 counties · drug deductible $700Dental · eyewear $100/yr | $35 | $7,550 | $7,970 | 4★ |
| 29 | HumanaChoice R5826-005 (Regional PPO)Humana · Regional PPOAll 67 counties · drug deductible $700Dental up to $750/yr · eyewear $100/yr | $161 | $6,700 | $8,632 | 4★ |
| 30 | AARP Medicare Advantage from UHC FL-0031 (Regional PPO)UnitedHealthcare · Regional PPOAll 67 counties · drug deductible $685eyewear $100/yr · hearing aids $700/yr | $127 | $9,850 | $11,374 | 3.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 51 in 2026, 40 in 2027.
- $0-premium plans: 46 in 2026, 36 in 2027.
- Median in-network out-of-pocket maximum: $5,900 in 2026, $6,350 in 2027.
- 20,773 people here were in a general-audience Advantage plan in October 2026; 3,456 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: Humana USAA Honor Giveback (HMO), Freedom Savings Plan (HMO), BlueMedicare Patriot Plus (PPO), Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (PPO), BlueMedicare Patriot (PPO), Aetna Medicare Eagle Giveback (PPO), HumanaChoice R5826-018 (Regional PPO), AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO), AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO).
Questions
How many Medicare Advantage plans are in Hernando County for 2027?
30 general-audience plans with drug coverage, 27 of them with a $0 monthly premium, compared with 51 plans and 46 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Hernando County?
Optimum Gold Plus Plan (HMO) from Optimum HealthCare, Inc.: $0 a month with an in-network out-of-pocket maximum of $1,900, so at most about −$535 for the year in premiums and in-network costs.
Do any Hernando County plans have a Part B giveback?
13 do. The largest is $202.90 a month off your Part B premium, from Optimum Gold Plus Plan (HMO).
How many Hernando County plans have 4 or more stars?
23 of 30, based on CMS's 2027 ratings of the contract behind each plan.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. · Advertiser disclosure
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