Best Medicare Advantage Plans in Highlands County, FL for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Highlands 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.
Highlands County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | 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★ |
| 2 | Humana Gold Plus Giveback H1036-266 (HMO)Humana · HMO4 of 67 counties · drug deductible $700Part B giveback $133.80/mo · Dental up to $1,000/yr · eyewear $200/yr | $0−$133.80 Part B giveback | $3,400 | $1,794 | 4.5★ |
| 3 | Humana Gold Plus H1036-230 (HMO)Humana · HMO3 of 67 counties · drug deductible $700Dental up to $1,500/yr · eyewear $300/yr | $0 | $2,400 | $2,400 | 4.5★ |
| 4 | AARP Medicare Advantage from UHC FL-0012 (HMO-POS)UnitedHealthcare · HMO-POS3 of 67 counties · drug deductible $405Dental up to $3,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $2,900 | $2,900 | 4★ |
| 5 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS11 of 67 counties · drug deductible $700Dental up to $5,000/yr · eyewear $100/yr · hearing aids $350/yr per ear | $0 | $3,000 | $3,000 | 4★ |
| 6 | Aetna Medicare Select (HMO)Aetna Medicare · HMO4 of 67 counties · drug deductible $0Dental up to $2,500/yr · eyewear $150/yr · hearing aids $1,000/yr per ear · OTC items $120/yr | $0 | $3,900 | $3,900 | 4★ |
| 7 | Aetna Medicare Signature Legacy (PPO)Aetna Medicare · PPO7 of 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $5,500 | $5,500 | 4★ |
| 8 | 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★ |
| 9 | BlueMedicare Value (PPO)Florida Blue · PPO3 of 67 counties · drug deductible $597Dental · eyewear $200/yr · OTC items $200/yr | $0 | $5,900 | $5,900 | 3★ |
| 10 | 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★ |
| 11 | Wellcare Giveback (HMO-POS)Wellcare · HMO-POS9 of 67 counties · drug deductible $700Part B giveback $79.50/mo · Dental · hearing aids $350/yr per ear | $0−$79.50 Part B giveback | $7,200 | $6,246 | 4★ |
| 12 | AARP Medicare Advantage from UHC FL-0027 (PPO)UnitedHealthcare · PPO3 of 67 counties · drug deductible $685Preventive dental · eyewear $75/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 13 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO7 of 67 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 14 | HumanaChoice R5826-074 (Regional PPO)Humana · Regional PPOAll 67 counties · drug deductible $700Dental · eyewear $100/yr | $35 | $7,550 | $7,970 | 4★ |
| 15 | 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★ |
| 16 | BlueMedicare Select (PPO)Florida Blue · PPO17 of 67 counties · drug deductible $700Dental · eyewear $100/yr | $173 | $7,500 | $9,576 | 3★ |
| 17 | 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: 37 in 2026, 25 in 2027.
- $0-premium plans: 32 in 2026, 20 in 2027.
- Median in-network out-of-pocket maximum: $6,700 in 2026, $6,750 in 2027.
- 14,412 people here were in a general-audience Advantage plan in October 2026; 3,683 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), 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 Highlands County for 2027?
17 general-audience plans with drug coverage, 13 of them with a $0 monthly premium, compared with 37 plans and 32 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Highlands County?
Humana Gold Plus Giveback H1036-265 (HMO) from Humana: $0 a month with an in-network out-of-pocket maximum of $2,400, so at most about $398 for the year in premiums and in-network costs.
Do any Highlands County plans have a Part B giveback?
5 do. The largest is $166.80 a month off your Part B premium, from Humana Gold Plus Giveback H1036-265 (HMO).
How many Highlands County plans have 4 or more stars?
14 of 17, 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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