Best Medicare Advantage Plans in Lee County, FL for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Lee 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.
Lee County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Freedom Platinum Rewards Plan Rx (HMO)Freedom Health, Inc. · HMO3 of 67 counties · drug deductible $0Part B giveback $105/mo · Dental · eyewear $150/yr · hearing aids $750/yr per ear · OTC items $420/yr | $0−$105 Part B giveback | $3,400 | $2,140 | 4★ |
| 2 | Freedom Platinum Plan Rx (HMO)Freedom Health, Inc. · HMO5 of 67 counties · drug deductible $0Dental · eyewear $400/yr · hearing aids $750/yr per ear · OTC items $480/yr | $0 | $2,750 | $2,750 | 4★ |
| 3 | 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★ |
| 4 | Humana Gold Plus Giveback H1036-278 (HMO)Humana · HMO4 of 67 counties · drug deductible $700Part B giveback $84.60/mo · Dental up to $1,000/yr · eyewear $200/yr | $0−$84.60 Part B giveback | $4,400 | $3,385 | 4.5★ |
| 5 | AARP Medicare Advantage from UHC FL-0010 (HMO-POS)UnitedHealthcare · HMO-POS7 of 67 counties · drug deductible $405Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $3,400 | $3,400 | 4★ |
| 6 | BlueMedicare Premier (HMO)Florida Blue HMO · HMO5 of 67 counties · drug deductible $350Dental up to $3,000/yr · eyewear $225/yr · OTC items $180/yr | $0 | $3,500 | $3,500 | 3.5★ |
| 7 | Humana Gold Plus H1036-217 (HMO)Humana · HMO4 of 67 counties · drug deductible $700Part B giveback $1/mo · Dental up to $1,500/yr · eyewear $50/yr | $0−$1 Part B giveback | $3,800 | $3,788 | 4.5★ |
| 8 | 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★ |
| 9 | 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★ |
| 10 | Freedom Medicare Plan Rx (HMO)Freedom Health, Inc. · HMO5 of 67 counties · drug deductible $0Dental · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $420/yr | $0 | $4,450 | $4,450 | 4★ |
| 11 | DEVOTED CHOICE GIVEBACK 016 FL (PPO)Devoted Health · PPO8 of 67 counties · drug deductible $650Part B giveback $166.70/mo · Dental up to $250/yr · eyewear $200/yr | $0−$166.70 Part B giveback | $7,150 | $5,150 | 4★ |
| 12 | 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★ |
| 13 | 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★ |
| 14 | 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★ |
| 15 | 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★ |
| 16 | BlueMedicare Value (PPO)Florida Blue · PPO2 of 67 counties · drug deductible $597Dental · eyewear $200/yr | $0 | $6,500 | $6,500 | 3★ |
| 17 | BlueMedicare Classic (HMO)Florida Blue HMO · HMO21 of 67 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 18 | AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS)UnitedHealthcare · HMO-POS11 of 67 counties · drug deductible $685Dental up to $1,500/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 19 | AARP Medicare Advantage from UHC FL-0017 (PPO)UnitedHealthcare · PPO7 of 67 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 20 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO7 of 67 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 21 | HumanaChoice R5826-074 (Regional PPO)Humana · Regional PPOAll 67 counties · drug deductible $700Dental · eyewear $100/yr | $35 | $7,550 | $7,970 | 4★ |
| 22 | 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★ |
| 23 | BlueMedicare Select (PPO)Florida Blue · PPO17 of 67 counties · drug deductible $700Dental · eyewear $100/yr | $173 | $7,500 | $9,576 | 3★ |
| 24 | 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: 41 in 2026, 34 in 2027.
- $0-premium plans: 36 in 2026, 29 in 2027.
- Median in-network out-of-pocket maximum: $6,700 in 2026, $6,725 in 2027.
- 71,565 people here were in a general-audience Advantage plan in October 2026; 17,813 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: Freedom Savings Plan (HMO), BlueMedicare Patriot Plus (PPO), Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (PPO), BlueMedicare Patriot (PPO), Humana USAA Honor Giveback (HMO), 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 Lee County for 2027?
24 general-audience plans with drug coverage, 20 of them with a $0 monthly premium, compared with 41 plans and 36 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Lee County?
Freedom Platinum Rewards Plan Rx (HMO) from Freedom Health, Inc.: $0 a month with an in-network out-of-pocket maximum of $3,400, so at most about $2,140 for the year in premiums and in-network costs.
Do any Lee County plans have a Part B giveback?
7 do. The largest is $166.70 a month off your Part B premium, from DEVOTED CHOICE GIVEBACK 016 FL (PPO).
How many Lee County plans have 4 or more stars?
19 of 24, 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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