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Medicare Advantage plans in Citrus County, FL for 2027
83 Medicare Advantage plans from 11 companies are available in Citrus County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 31. Lowest in-network out-of-pocket limit: $1,000.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (25)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Optimum Platinum Plan (HMO) Optimum HealthCare, Inc. | HMO | $0 | $0 | $1,000 | 4.5 |
| Optimum Gold Plus Plan (HMO) Optimum HealthCare, Inc. | HMO | $0 | $0 | $1,900 | 4.5 |
| Optimum Gold Rewards Plan (HMO) Optimum HealthCare, Inc. | HMO | $0 | $0 | $1,900 | 4.5 |
| Premier by Ultimate (HMO) Ultimate Health Plans | HMO | $0 | $0 | $1,900 | 4 |
| Freedom Platinum Plan Rx (HMO) Freedom Health, Inc. | HMO | $0 | $0 | $2,000 | 4.5 |
| Humana Gold Plus Giveback H1036-265 (HMO) Humana | HMO | $0 | $0 | $2,400 | 4.5 |
| Wellcare Simple (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $2,700 | 4 |
| Humana Gold Plus Giveback H1036-266 (HMO) Humana | HMO | $0 | $700 | $3,400 | 4.5 |
| Humana Gold Plus H1036-074 (HMO) Humana | HMO | $0 | $0 | $3,550 | 4.5 |
| DEVOTED CORE 092 FL (HMO) Devoted Health | HMO | $0 | $650 | $3,800 | 5 |
| Aetna Medicare Select (HMO) Aetna Medicare | HMO | $0 | $200 | $3,900 | 4.5 |
| AARP Medicare Advantage from UHC FL-0013 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $405 | $4,450 | 4.5 |
| Optimum Gold Plan (HMO) Optimum HealthCare, Inc. | HMO | $0 | $0 | $4,450 | 4.5 |
| DEVOTED GIVEBACK EXTRAS 112 FL (HMO) Devoted Health | HMO | $0 | $700 | $5,100 | 5 |
| Humana Value Choice (PPO) Humana | PPO | $0 | $700 | $5,600 | 3.5 |
| AARP Medicare Advantage from UHC FL-0023 (PPO) UnitedHealthcare | PPO | $0 | $685 | $6,700 | 4 |
| BlueMedicare Classic (HMO) Florida Blue HMO | HMO | $0 | $700 | $6,750 | 4 |
| BlueMedicare Value (PPO) Florida Blue | PPO | $0 | $597 | $6,750 | 3.5 |
| Aetna Medicare Signature (PPO) Aetna Medicare | PPO | $0 | $700 | $7,150 | 4.5 |
| DEVOTED GIVEBACK 093 FL (HMO) Devoted Health | HMO | $0 | $650 | $7,150 | 5 |
| Humana Essentials Plus Giveback (PPO) Humana | PPO | $0 | $700 | $7,150 | 4.5 |
| Wellcare Giveback (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $7,200 | 4 |
| HumanaChoice R5826-074 (Regional PPO) Humana | Regional PPO | $35 | $700 | $7,550 | 3.5 |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO) UnitedHealthcare | Regional PPO | $127 | $685 | $9,850 | 3.5 |
| HumanaChoice R5826-005 (Regional PPO) Humana | Regional PPO | $161 | $700 | $6,700 | 3.5 |
Plans without drug coverage (10)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| Humana USAA Honor Giveback (HMO) Humana | HMO | $0 | $3,900 | 4.5 |
| Freedom Savings Plan (HMO) Freedom Health, Inc. | HMO | $0 | $4,450 | 4.5 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $6,000 | 3.5 |
| BlueMedicare Patriot (PPO) Florida Blue | PPO | $0 | $6,750 | 3.5 |
| BlueMedicare Patriot Plus (PPO) Florida Blue | PPO | $0 | $6,750 | 3.5 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $6,750 | 4.5 |
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare | PPO | $0 | $7,150 | 4.5 |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) UnitedHealthcare | PPO | $0 | $8,900 | 4 |
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) UnitedHealthcare | Regional PPO | $0 | $9,250 | 3.5 |
| HumanaChoice R5826-018 (Regional PPO) Humana | Regional PPO | $9 | $7,550 | 3.5 |
Special needs plans (48)
Special needs plans are only for people who also have Medicaid (D-SNP), certain chronic conditions (C-SNP) or who live in an institution such as a nursing home (I-SNP).
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Advantage Plus by Ultimate (Full) (HMO D-SNP) Ultimate Health Plans | HMO D-SNP | $0 | $700 | $500 | 4 |
| Advantage Plus by Ultimate (Partial) (HMO D-SNP) Ultimate Health Plans | HMO D-SNP | $0 | $700 | $500 | 4 |
| Freedom Medi-Medi Partial (HMO D-SNP) Freedom Health, Inc. | HMO D-SNP | $0 | $105 | $500 | 4.5 |
| Optimum Emerald Partial (HMO D-SNP) Optimum HealthCare, Inc. | HMO D-SNP | $0 | $105 | $500 | 4.5 |
| Simply Complete Platinum (HMO D-SNP) Simply Healthcare Plans, Inc. | HMO D-SNP | $0 | $105 | $500 | 4.5 |
| Simply Integrated Platinum (HMO D-SNP) Simply Healthcare Plans, Inc. | HMO D-SNP | $0 | $105 | $500 | 4.5 |
| Freedom VIP Care (HMO C-SNP) Freedom Health, Inc. | HMO C-SNP | $0 | $0 | $1,000 | 4.5 |
| Optimum Diamond (HMO C-SNP) Optimum HealthCare, Inc. | HMO C-SNP | $0 | $0 | $1,000 | 4.5 |
| Humana Dual Select H1036-102 (HMO D-SNP) Humana | HMO D-SNP | $0 | $700 | $1,500 | 4.5 |
| Advantage Care by Ultimate (HMO C-SNP) Ultimate Health Plans | HMO C-SNP | $0 | $0 | $1,600 | 4 |
| Optimum Diamond Rewards (HMO C-SNP) Optimum HealthCare, Inc. | HMO C-SNP | $0 | $0 | $1,750 | 4.5 |
| Optimum Diamond Rewards COPD (HMO C-SNP) Optimum HealthCare, Inc. | HMO C-SNP | $0 | $0 | $1,750 | 4.5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana | HMO C-SNP | $0 | $700 | $2,000 | 4.5 |
| Humana Gold Plus Lung (HMO C-SNP) Humana | HMO C-SNP | $0 | $700 | $2,000 | 4.5 |
| Advantage Care COPD by Ultimate (HMO C-SNP) Ultimate Health Plans | HMO C-SNP | $0 | $0 | $2,600 | 4 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana | HMO C-SNP | $0 | $700 | $2,850 | 4.5 |
| Wellcare Sunshine Health Dual Reserve (HMO-POS D-SNP) Wellcare | HMO-POS D-SNP | $0 | $700 | $3,000 | 4 |
| Freedom VIP Rewards (HMO C-SNP) Freedom Health, Inc. | HMO C-SNP | $0 | $0 | $3,400 | 4.5 |
| Freedom VIP Savings (HMO C-SNP) Freedom Health, Inc. | HMO C-SNP | $0 | $0 | $3,400 | 4.5 |
| Freedom VIP Savings COPD (HMO C-SNP) Freedom Health, Inc. | HMO C-SNP | $0 | $0 | $3,400 | 4.5 |
| Humana Dual Select H1036-314 (HMO D-SNP) Humana | HMO D-SNP | $0 | $700 | $3,400 | 4.5 |
| Humana Fully Integrated H1036-280 (HMO D-SNP) Humana | HMO D-SNP | $0 | $700 | $3,400 | 4.5 |
| SECUR Edge (HMO I-SNP) SECUR Health Plan | HMO I-SNP | $0 | $700 | $3,400 | — |
| UHC Complete Care FL-14 (HMO-POS C-SNP) UnitedHealthcare | HMO-POS C-SNP | $0 | $405 | $3,400 | 4.5 |
| DEVOTED DUAL 024 FL (HMO D-SNP) Devoted Health | HMO D-SNP | $0 | $700 | $4,400 | 5 |
| Humana Dual Select H5216-394 (PPO D-SNP) Humana | PPO D-SNP | $0 | $50 | $4,900 | 3.5 |
| Optimum Diamond Savings (HMO C-SNP) Optimum HealthCare, Inc. | HMO C-SNP | $0 | $0 | $5,000 | 4.5 |
| Optimum Diamond Savings COPD (HMO C-SNP) Optimum HealthCare, Inc. | HMO C-SNP | $0 | $0 | $5,000 | 4.5 |
| Aetna Medicare Full Dual Select (HMO D-SNP) Aetna Medicare | HMO D-SNP | $0 | $700 | $9,850 | 4.5 |
| Aetna Medicare Partial Dual Select (HMO D-SNP) Aetna Medicare | HMO D-SNP | $0 | $700 | $9,850 | 4.5 |
| Aetna Medicare QMB Only Select (HMO D-SNP) Aetna Medicare | HMO D-SNP | $0 | $700 | $9,850 | 4.5 |
| DEVOTED DUAL FULL 103 FL (HMO D-SNP) Devoted Health | HMO D-SNP | $0 | $600 | $9,850 | 5 |
| DEVOTED DUAL QMB 052 FL (HMO D-SNP) Devoted Health | HMO D-SNP | $0 | $700 | $9,850 | 5 |
| Humana Dual Integrated (HMO D-SNP) Humana | HMO D-SNP | $0 | $700 | $9,850 | 4.5 |
| Humana Dual Integrated (PPO D-SNP) Humana | PPO D-SNP | $0 | $150 | $9,850 | 3.5 |
| UHC Dual Complete FL-Q1 (PPO D-SNP) UnitedHealthcare | PPO D-SNP | $0 | $700 | $9,850 | 4 |
| UHC Dual Complete FL-Q2 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $0 | $75 | $9,850 | 3.5 |
| UHC Dual Complete FL-Q3 (Regional PPO D-SNP) UnitedHealthcare | Regional PPO D-SNP | $0 | $700 | $9,850 | 3.5 |
| UHC Dual Complete FL-Y8 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $0 | $75 | $9,850 | 3.5 |
| UHC Dual Complete FL-YL (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $0 | $700 | $9,850 | 3.5 |
| Wellcare Sunshine Health Dual Access (HMO-POS D-SNP) Wellcare | HMO-POS D-SNP | $0 | $700 | $9,850 | 4 |
| Wellcare Sunshine Health Dual Align (HMO D-SNP) Wellcare | HMO D-SNP | $0 | $700 | $9,850 | 4 |
| UHC Nursing Home Plan FL-F001 (PPO I-SNP) UnitedHealthcare | PPO I-SNP | $6.10 | $700 | $9,850 | 4.5 |
| SECUR Enhanced (HMO I-SNP) SECUR Health Plan | HMO I-SNP | $7.30 | $700 | $2,500 | — |
| SECUR Advantage (HMO I-SNP) SECUR Health Plan | HMO I-SNP | $7.30 | $700 | $8,300 | — |
| American Health Advantage of Florida (HMO I-SNP) American Health Advantage of Florida | HMO I-SNP | $7.30 | $700 | $9,850 | — |
| Longevity Health Plan (HMO I-SNP) Longevity Health Plan | HMO I-SNP | $7.30 | $700 | $9,850 | — |
| UHC Dual Complete FL-Y7 (PPO D-SNP) UnitedHealthcare | PPO D-SNP | $7.30 | $700 | $9,850 | 4 |
Stand-alone Part D drug plans in Florida →
Star ratings for 2027 are published by CMS in October; the stars shown are the contract's 2026 overall rating. We are not connected with or endorsed by the U.S. government or the federal Medicare program, and we do not sell plans. We do not list plan benefits in full; confirm costs and coverage with the plan, Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048) before you enroll. Source: CMS Medicare Advantage and Part D Landscape, 2027 (2026-09 release).