Best Medicare Advantage Plans in Indian River County, FL for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Indian River 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.
Indian River County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | 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★ |
| 2 | Freedom Platinum Rewards Plan Rx (HMO)Freedom Health, Inc. · HMO4 of 67 counties · drug deductible $0Part B giveback $150/mo · Dental · eyewear $150/yr · hearing aids $750/yr per ear · OTC items $480/yr | $0−$150 Part B giveback | $3,400 | $1,600 | 4★ |
| 3 | Freedom Platinum Plan Rx (HMO)Freedom Health, Inc. · HMO4 of 67 counties · drug deductible $0Dental · eyewear $150/yr · hearing aids $750/yr per ear · OTC items $480/yr | $0 | $1,750 | $1,750 | 4★ |
| 4 | CareFree Platinum Giveback (HMO)CarePlus Health Plans, Inc. · HMO2 of 67 counties · drug deductible $700Part B giveback $133/mo · Dental · eyewear $100/yr | $0−$133 Part B giveback | $4,200 | $2,604 | 4★ |
| 5 | Health First Emerald Plus H1099-026 (HMO)Health First Health Plans, Inc. · HMO1 of 67 counties · drug deductible $700Part B giveback $143/mo · Dental up to $1,000/yr · eyewear $150/yr | $0−$143 Part B giveback | $4,700 | $2,984 | 4★ |
| 6 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS6 of 67 counties · drug deductible $700Dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $3,000 | $3,000 | 4★ |
| 7 | CareFree Giveback (HMO)CarePlus Health Plans, Inc. · HMO2 of 67 counties · drug deductible $700Part B giveback $92.50/mo · Dental · eyewear $100/yr | $0−$92.50 Part B giveback | $4,200 | $3,090 | 4★ |
| 8 | AARP Medicare Advantage from UHC FL-001P (HMO-POS)UnitedHealthcare · HMO-POS4 of 67 counties · drug deductible $405Preventive dental · eyewear $125/yr · hearing aids $1,000/yr | $0 | $3,500 | $3,500 | 4★ |
| 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 | Humana Gold Plus Reach H1036-229 (HMO)Humana · HMO5 of 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $350/yr | $0 | $3,800 | $3,800 | 4.5★ |
| 11 | Aetna Medicare Select (HMO)Aetna Medicare · HMO3 of 67 counties · drug deductible $200Dental up to $2,500/yr · eyewear $300/yr · hearing aids $1,250/yr per ear · OTC items $200/yr | $0 | $3,900 | $3,900 | 4★ |
| 12 | CareAccess (HMO)CarePlus Health Plans, Inc. · HMO17 of 67 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $4,000 | $4,000 | 4★ |
| 13 | CareOne Plus (HMO-POS)CarePlus Health Plans, Inc. · HMO-POS2 of 67 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $4,000 | $4,000 | 4★ |
| 14 | Health First Rewards H1099-014 (HMO)Health First Health Plans, Inc. · HMO2 of 67 counties · drug deductible $700Dental up to $1,250/yr · eyewear $300/yr · OTC items $280/yr | $0 | $4,100 | $4,100 | 4★ |
| 15 | Humana Gold Plus Reach Giveback H1036-286 (HMO)Humana · HMO4 of 67 counties · drug deductible $0Part B giveback $113/mo · Dental up to $2,500/yr · eyewear $200/yr | $0−$113 Part B giveback | $5,500 | $4,144 | 4.5★ |
| 16 | Health First Value H1099-006 (HMO)Health First Health Plans, Inc. · HMO2 of 67 counties · drug deductible $600Dental up to $750/yr · eyewear $300/yr · OTC items $320/yr | $25 | $3,900 | $4,200 | 4★ |
| 17 | HumanaChoice Florida H5216-062 (PPO)Humana · PPO6 of 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr | $0 | $4,450 | $4,450 | 4★ |
| 18 | HumanaChoice Florida H5216-472 (PPO)Humana · PPO6 of 67 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | 4★ |
| 19 | Health First Classic H1099-001 (HMO-POS)Health First Health Plans, Inc. · HMO-POS2 of 67 counties · drug deductible $600Dental up to $1,000/yr · eyewear $300/yr · OTC items $360/yr | $90 | $3,600 | $4,680 | 4★ |
| 20 | DEVOTED CORE 066 FL (HMO)Devoted Health · HMO5 of 67 counties · drug deductible $650Dental up to $3,500/yr · eyewear $400/yr · OTC items $400/yr | $0 | $4,700 | $4,700 | 4.5★ |
| 21 | DEVOTED GIVEBACK EXTRAS 116 FL (HMO)Devoted Health · HMO5 of 67 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,750/yr · eyewear $400/yr · OTC items $788/yr | $0−$70 Part B giveback | $5,700 | $4,860 | 4.5★ |
| 22 | DEVOTED CORE 046 FL (HMO)Devoted Health · HMO5 of 67 counties · drug deductible $650Dental up to $1,500/yr · eyewear $150/yr | $0 | $4,950 | $4,950 | 4.5★ |
| 23 | HumanaChoice Giveback H7617-110 (PPO)Humana · PPO9 of 67 counties · drug deductible $700Part B giveback $161.50/mo · Dental · eyewear $100/yr | $0−$161.50 Part B giveback | $7,150 | $5,212 | 4.5★ |
| 24 | DEVOTED GIVEBACK 045 FL (HMO)Devoted Health · HMO5 of 67 counties · drug deductible $650Part B giveback $202/mo · Dental up to $1,250/yr · eyewear $350/yr · OTC items $256/yr | $0−$202 Part B giveback | $7,700 | $5,276 | 4.5★ |
| 25 | HumanaChoice Giveback H5216-311 (PPO)Humana · PPO9 of 67 counties · drug deductible $700Part B giveback $155/mo · Dental · eyewear $100/yr | $0−$155 Part B giveback | $7,150 | $5,290 | 4★ |
| 26 | HumanaChoice Giveback H7617-145 (PPO)Humana · PPO9 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★ |
| 27 | Wellcare Giveback (HMO-POS)Wellcare · HMO-POS6 of 67 counties · drug deductible $700Part B giveback $94/mo · Dental | $0−$94 Part B giveback | $7,200 | $6,072 | 4★ |
| 28 | AARP Medicare Advantage from UHC FL-0025 (PPO)UnitedHealthcare · PPO4 of 67 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 29 | 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★ |
| 30 | HumanaChoice R5826-074 (Regional PPO)Humana · Regional PPOAll 67 counties · drug deductible $700Dental · eyewear $100/yr | $35 | $7,550 | $7,970 | 4★ |
| 31 | 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★ |
| 32 | BlueMedicare Value (PPO)Florida Blue · PPO5 of 67 counties · drug deductible $700Dental · eyewear $200/yr | $0 | $9,250 | $9,250 | 3★ |
| 33 | 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: 44 in 2026, 43 in 2027.
- $0-premium plans: 38 in 2026, 37 in 2027.
- Median in-network out-of-pocket maximum: $4,900 in 2026, $4,700 in 2027.
- 17,750 people here were in a general-audience Advantage plan in October 2026; 58 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: CareSalute (HMO), Humana USAA Honor Giveback (PPO), Freedom Savings Plan (HMO), Health First Secure H1099-009 (HMO), 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 Indian River County for 2027?
33 general-audience plans with drug coverage, 28 of them with a $0 monthly premium, compared with 44 plans and 38 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Indian River County?
Premier by Ultimate (HMO) from Ultimate Health Plans: $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 Indian River County plans have a Part B giveback?
13 do. The largest is $202.90 a month off your Part B premium, from Premier by Ultimate (HMO).
How many Indian River County plans have 4 or more stars?
30 of 33, 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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