Best Medicare Advantage Plans in Polk County, FL for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Polk 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.
Polk County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Freedom Máximo (HMO-POS)Freedom Health, Inc. · HMO-POS2 of 67 counties · drug deductible $0Part B giveback $202.90/mo · Dental · eyewear $300/yr · hearing aids $750/yr per ear · OTC items $480/yr | $0−$202.90 Part B giveback | $1,900 | −$535 | 4★ |
| 2 | Premier by Ultimate (HMO)Ultimate Health Plans · HMO3 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★ |
| 3 | CareFree Platinum Giveback (HMO)CarePlus Health Plans, Inc. · HMO1 of 67 counties · drug deductible $0Part B giveback $174/mo · Dental · eyewear $450/yr | $0−$174 Part B giveback | $3,000 | $912 | 4★ |
| 4 | Freedom Platinum Rewards Plan Rx (HMO)Freedom Health, Inc. · HMO1 of 67 counties · drug deductible $0Part B giveback $202.90/mo · Dental · eyewear $150/yr · hearing aids $750/yr per ear · OTC items $480/yr | $0−$202.90 Part B giveback | $3,400 | $965 | 4★ |
| 5 | CareOne Plus (HMO-POS)CarePlus Health Plans, Inc. · HMO-POS1 of 67 counties · drug deductible $700Dental · eyewear $500/yr | $0 | $1,250 | $1,250 | 4★ |
| 6 | 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★ |
| 7 | BayCarePlus Complete (HMO)BayCare Health Plans · HMO4 of 67 counties · drug deductible $250Dental up to $3,000/yr · OTC items $200/yr | $0 | $2,000 | $2,000 | 4★ |
| 8 | HealthSpring Preferred (HMO)HealthSpring · HMO7 of 67 counties · drug deductible $400Part B giveback $5/mo · Dental up to $3,000/yr · eyewear $225/yr · OTC items $400/yr | $0−$5 Part B giveback | $2,250 | $2,190 | 3★ |
| 9 | BayCarePlus Rewards (HMO)BayCare Health Plans · HMO4 of 67 counties · drug deductible $700Part B giveback $120/mo · Dental up to $2,000/yr | $0−$120 Part B giveback | $3,700 | $2,260 | 4★ |
| 10 | 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★ |
| 11 | 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★ |
| 12 | Solis Healthy Living Plan (HMO)Solis Health Plans · HMO4 of 67 counties · drug deductible $597Part B giveback $1.10/mo · Dental up to $3,000/yr · eyewear $250/yr · hearing aids $1,000/yr · OTC items $1,344/yr | $0−$1.10 Part B giveback | $2,900 | $2,887 | 4.5★ |
| 13 | BlueMedicare Preferred (HMO)Florida Blue HMO · HMO2 of 67 counties · drug deductible $350Dental up to $3,000/yr · eyewear $225/yr · OTC items $320/yr | $0 | $2,900 | $2,900 | 3.5★ |
| 14 | AARP Medicare Advantage from UHC FL-003P (HMO-POS)UnitedHealthcare · HMO-POS4 of 67 counties · drug deductible $405Dental up to $2,500/yr · eyewear $125/yr · hearing aids $700/yr | $0 | $3,500 | $3,500 | 4★ |
| 15 | DrSelect-CFL (HMO)Doctors HealthCare Plans, Inc. · HMO6 of 67 counties · drug deductible $0Dental · eyewear $350/yr · hearing aids $750/yr · OTC items $300/yr | $0 | $3,500 | $3,500 | 4.5★ |
| 16 | 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★ |
| 17 | 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★ |
| 18 | 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★ |
| 19 | DEVOTED CORE 065 FL (HMO)Devoted Health · HMO2 of 67 counties · drug deductible $650Dental up to $3,500/yr · eyewear $400/yr · OTC items $332/yr | $0 | $3,900 | $3,900 | 4.5★ |
| 20 | CareAccess (HMO)CarePlus Health Plans, Inc. · HMO17 of 67 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $4,000 | $4,000 | 4★ |
| 21 | DEVOTED GIVEBACK EXTRAS 115 FL (HMO)Devoted Health · HMO2 of 67 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,750/yr · eyewear $400/yr · OTC items $608/yr | $0−$70 Part B giveback | $5,150 | $4,310 | 4.5★ |
| 22 | Optimum Gold Plan (HMO)Optimum HealthCare, Inc. · HMO3 of 67 counties · drug deductible $0Dental · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $480/yr | $0 | $4,450 | $4,450 | 4.5★ |
| 23 | DEVOTED GIVEBACK 051 FL (HMO)Devoted Health · HMO2 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★ |
| 24 | 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★ |
| 25 | AARP Medicare Advantage Giveback from UHC FL-40 (HMO-POS)UnitedHealthcare · HMO-POS19 of 67 counties · drug deductible $685Part B giveback $150/mo · Preventive dental · hearing aids $1,000/yr | $0−$150 Part B giveback | $7,150 | $5,350 | 4★ |
| 26 | 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★ |
| 27 | BlueMedicare Value (PPO)Florida Blue · PPO2 of 67 counties · drug deductible $597Dental · eyewear $200/yr · OTC items $180/yr | $0 | $5,900 | $5,900 | 3★ |
| 28 | 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★ |
| 29 | Aetna Medicare Select Extra (HMO-POS)Aetna Medicare · HMO-POS11 of 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr per ear · OTC items $140/yr | $0 | $6,750 | $6,750 | 4★ |
| 30 | BlueMedicare Classic (HMO)Florida Blue HMO · HMO4 of 67 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 31 | DEVOTED CORE 036 FL (HMO)Devoted Health · HMO2 of 67 counties · drug deductible $650Dental up to $1,500/yr · eyewear $150/yr | $0 | $6,750 | $6,750 | 4.5★ |
| 32 | 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★ |
| 33 | 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★ |
| 34 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO3 of 67 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 35 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO5 of 67 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 36 | 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★ |
| 37 | HumanaChoice R5826-074 (Regional PPO)Humana · Regional PPOAll 67 counties · drug deductible $700Dental · eyewear $100/yr | $35 | $7,550 | $7,970 | 4★ |
| 38 | 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★ |
| 39 | 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: 61 in 2026, 50 in 2027.
- $0-premium plans: 55 in 2026, 46 in 2027.
- Median in-network out-of-pocket maximum: $4,700 in 2026, $5,375 in 2027.
- 70,054 people here were in a general-audience Advantage plan in October 2026; 14,032 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), CareSalute (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 Polk County for 2027?
39 general-audience plans with drug coverage, 36 of them with a $0 monthly premium, compared with 61 plans and 55 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Polk County?
Freedom Máximo (HMO-POS) from Freedom Health, 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 Polk County plans have a Part B giveback?
15 do. The largest is $202.90 a month off your Part B premium, from Freedom Máximo (HMO-POS).
How many Polk County plans have 4 or more stars?
33 of 39, 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
Keep going
- All Florida Medicare Advantage plans →
- Best Part D plans in Florida →
- HMO vs. PPO and star ratings →
Other Florida counties
Alachua County · Bay County · Brevard County · Broward County · Charlotte County · Citrus County · Clay County · Collier County · Duval County · Escambia County · Flagler County · Hernando County · Highlands County · Hillsborough · Indian River County · Lake County · Lee County · Leon County · Manatee County · Marion County · Martin County · Miami-Dade County · Okaloosa County · Orange County · Osceola County · Palm Beach County · Pasco County · Pinellas County · Santa Rosa County · Sarasota County · Seminole County · St. Johns County · St. Lucie County · Sumter County · Volusia County