Best Medicare Advantage Plans in Sumter County, FL for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Sumter 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.
Sumter County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | 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 $780/yr | $0−$202.90 Part B giveback | $3,200 | $765 | 3.5★ |
| 2 | Freedom Platinum Rewards Plan Rx (HMO)Freedom Health, Inc. · HMO3 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 | $3,400 | $965 | 4★ |
| 3 | CareFree Platinum Giveback (HMO)CarePlus Health Plans, Inc. · HMO6 of 67 counties · drug deductible $700Part B giveback $170/mo · Dental · eyewear $200/yr | $0−$170 Part B giveback | $3,300 | $1,260 | 4★ |
| 4 | Humana Gold Plus Giveback H1036-269 (HMO)Humana · HMO6 of 67 counties · drug deductible $0Part B giveback $156.30/mo · Dental up to $1,000/yr · eyewear $400/yr | $0−$156.30 Part B giveback | $3,200 | $1,324 | 4.5★ |
| 5 | CareOne Plus (HMO-POS)CarePlus Health Plans, Inc. · HMO-POS6 of 67 counties · drug deductible $700Part B giveback $5/mo · Dental · eyewear $100/yr | $0−$5 Part B giveback | $2,000 | $1,940 | 4★ |
| 6 | Freedom Platinum Plan Rx (HMO)Freedom Health, Inc. · HMO3 of 67 counties · drug deductible $0Dental · eyewear $300/yr · hearing aids $750/yr per ear · OTC items $480/yr | $0 | $2,000 | $2,000 | 4★ |
| 7 | 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★ |
| 8 | CareFree Giveback (HMO)CarePlus Health Plans, Inc. · HMO6 of 67 counties · drug deductible $700Part B giveback $124/mo · Dental · eyewear $150/yr | $0−$124 Part B giveback | $3,850 | $2,362 | 4★ |
| 9 | Humana Community (HMO)Humana · HMO3 of 67 counties · drug deductible $700Dental up to $4,000/yr · eyewear $400/yr | $0 | $2,400 | $2,400 | 4.5★ |
| 10 | Humana Gold Plus H1036-146 (HMO)Humana · HMO6 of 67 counties · drug deductible $700Dental up to $1,500/yr · eyewear $400/yr | $0 | $2,400 | $2,400 | 4.5★ |
| 11 | CareOne Plus Local (HMO-POS)CarePlus Health Plans, Inc. · HMO-POS3 of 67 counties · drug deductible $700Dental · eyewear $150/yr | $0 | $2,500 | $2,500 | 4★ |
| 12 | BlueMedicare Premier (HMO)Florida Blue HMO · HMO3 of 67 counties · drug deductible $350Dental up to $4,000/yr · eyewear $225/yr · hearing aids $1,000/yr per ear · OTC items $340/yr | $0 | $2,700 | $2,700 | 3.5★ |
| 13 | UHC The Villages Medicare Advantage FL-0004 (HMO-POS)UnitedHealthcare · HMO-POS3 of 67 counties · drug deductible $405Dental up to $1,250/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $2,700 | $2,700 | 4★ |
| 14 | UHC The Villages Medicare Advantage FL-004P (HMO-POS)UnitedHealthcare · HMO-POS3 of 67 counties · drug deductible $405Part B giveback $15/mo · Dental up to $5,000/yr · eyewear $100/yr · hearing aids $700/yr | $0−$15 Part B giveback | $2,900 | $2,720 | 4★ |
| 15 | Aetna Medicare Select Extra (HMO)Aetna Medicare · HMO3 of 67 counties · drug deductible $200Dental up to $4,000/yr · eyewear $300/yr · hearing aids $1,000/yr per ear · OTC items $240/yr | $0 | $2,900 | $2,900 | 4★ |
| 16 | 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★ |
| 17 | Aetna Medicare Select (HMO)Aetna Medicare · HMO5 of 67 counties · drug deductible $200Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr per ear · OTC items $120/yr | $0 | $3,900 | $3,900 | 4★ |
| 18 | DEVOTED CORE 060 FL (HMO)Devoted Health · HMO3 of 67 counties · drug deductible $650Dental up to $3,750/yr · eyewear $400/yr · OTC items $348/yr | $0 | $3,900 | $3,900 | 4.5★ |
| 19 | DEVOTED CORE 027 FL (HMO)Devoted Health · HMO3 of 67 counties · drug deductible $650Dental up to $1,500/yr · eyewear $350/yr | $0 | $3,950 | $3,950 | 4.5★ |
| 20 | DEVOTED PREMIUM 044 FL (HMO)Devoted Health · HMO3 of 67 counties · drug deductible $650Dental up to $1,500/yr · eyewear $150/yr · OTC items $140/yr | $7.30 | $3,900 | $3,988 | 4.5★ |
| 21 | CareAccess (HMO)CarePlus Health Plans, Inc. · HMO17 of 67 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $4,000 | $4,000 | 4★ |
| 22 | DEVOTED GIVEBACK EXTRAS 108 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★ |
| 23 | Optimum Gold Rewards Plan (HMO)Optimum HealthCare, Inc. · HMO3 of 67 counties · drug deductible $0Dental · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $444/yr | $0 | $4,450 | $4,450 | 4.5★ |
| 24 | DEVOTED GIVEBACK 035 FL (HMO)Devoted Health · HMO3 of 67 counties · drug deductible $650Part B giveback $202/mo · Dental up to $1,250/yr · eyewear $350/yr · OTC items $376/yr | $0−$202 Part B giveback | $7,150 | $4,726 | 4.5★ |
| 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 | AARP Medicare Advantage from UHC FL-0024 (PPO)UnitedHealthcare · PPO3 of 67 counties · drug deductible $685Dental up to $750/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 28 | Aetna Medicare Signature Legacy (PPO)Aetna Medicare · PPO3 of 67 counties · drug deductible $700Dental up to $1,500/yr · eyewear $150/yr · OTC items $180/yr | $0 | $5,900 | $5,900 | 4★ |
| 29 | BlueMedicare Value (PPO)Florida Blue · PPO3 of 67 counties · drug deductible $597Dental · eyewear $200/yr · OTC items $240/yr | $0 | $5,900 | $5,900 | 3★ |
| 30 | HumanaChoice Florida H5216-074 (PPO)Humana · PPO3 of 67 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $0 | $5,900 | $5,900 | 4★ |
| 31 | 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★ |
| 32 | 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★ |
| 33 | BlueMedicare Classic (HMO)Florida Blue HMO · HMO21 of 67 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 34 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO3 of 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 35 | HumanaChoice Florida H7284-009 (PPO)Humana · PPO34 of 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr | $38.90 | $6,750 | $7,217 | 3.5★ |
| 36 | HumanaChoice R5826-074 (Regional PPO)Humana · Regional PPOAll 67 counties · drug deductible $700Dental · eyewear $100/yr | $35 | $7,550 | $7,970 | 4★ |
| 37 | 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★ |
| 38 | 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: 52 in 2026, 48 in 2027.
- $0-premium plans: 46 in 2026, 42 in 2027.
- Median in-network out-of-pocket maximum: $4,850 in 2026, $4,800 in 2027.
- 36,396 people here were in a general-audience Advantage plan in October 2026; 2,213 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), Freedom Savings Plan (HMO), Humana USAA Honor Giveback (PPO), BlueMedicare Patriot (PPO), Humana USAA Honor Giveback (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 Sumter County for 2027?
38 general-audience plans with drug coverage, 33 of them with a $0 monthly premium, compared with 52 plans and 46 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Sumter County?
Premier by Ultimate (HMO) from Ultimate Health Plans: $0 a month with an in-network out-of-pocket maximum of $3,200, so at most about $765 for the year in premiums and in-network costs.
Do any Sumter County plans have a Part B giveback?
14 do. The largest is $202.90 a month off your Part B premium, from Premier by Ultimate (HMO).
How many Sumter County plans have 4 or more stars?
31 of 38, 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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