Best Medicare Companies in Palm Bay, Florida (2025)
Finding the right Medicare company in Palm Bay, Florida is crucial. Our unbiased resource provides comprehensive information, empowering you to choose wisely and confidently. Discover top-rated plans, compare coverage options, and make informed decisions for your health coverage needs. Trust our expert guidance to navigate the complexities of Medicare and find the perfect fit for you.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Written by
Brandon Frady
Brandon Frady
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Reviewed by
Michelle Robbins
Michelle Robbins
Updated January 2025
Welcome to our comprehensive guide on the best Medicare companies in Palm Bay, Florida. Choosing the right Medicare provider is a crucial decision that can significantly impact your healthcare coverage. We will explore the top Medicare companies operating in Palm Bay, Florida. Provide valuable insights to help you make an informed choice.
We’ll discuss key topics such as coverage options, plan benefits, customer satisfaction, and more. Our goal is to equip you with the knowledge necessary to navigate the Medicare landscape confidently. Are you ready to find the perfect Medicare plan for your needs? Enter your ZIP code now and compare rates from the best insurance providers in Palm Bay, Florida. Let’s ensure you have the coverage you deserve.
Medicare Advantage by Company in Palm Bay, Florida
There are Medicare Advantage companies in Palm Bay, FL, offering a range of options including HMO and PPO plans. There are even some plans available at no additional cost beyond your Palm Bay Medicare Part B premium. Take a look at the Medicare Advantage companies in Palm Bay, Florida, to compare plans and coverage.
Medicare Advantage Companies in Palm Bay, Florida
| Plan Name | Monthly Prem. (Parts C & D) | Deductible | Additional Gap Coverage | Preferred Pharmacy Copay/ Coinsurance 30-Day Supply | MOOP for Part A & B Benefits |
|---|---|---|---|---|---|
| AARP Medicare Advantage (HMO-POS) – H1045-030-0 | $0.00 | $0 | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $3.00, Generic: $10.00, Preferred Brand: $45.00, Non-Preferred Drug: $95.00, Specialty Tier: 33% | $3,900 |
| AARP Medicare Advantage Choice (PPO) – H2406-010-0 | $0.00 | $150 . Tier 1 and 2 exempt | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $3.00, Generic: $10.00, Preferred Brand: $45.00, Non-Preferred Drug: $95.00, Specialty Tier: 30% | $5,900 |
| AARP Medicare Advantage Choice Plan 2 (Regional PPO) – R0759-001-0 | $0.00 | $395 . Tier 1 and 2 exempt | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $3.00, Generic: $14.00, Preferred Brand: $47.00, Non-Preferred Drug: $100.00, Specialty Tier: 25% | $6,700 |
| AARP Medicare Advantage Patriot (Regional PPO) – R0759-002-0 | $0.00 | No Rx Coverage | No Rx Coverage | This Plan does NOT include Prescription Drug coverage. | $6,700 |
| BlueMedicare Choice (Regional PPO) – R3332-001-0 | $47.90 | $250 . Tier 1 and 2 exempt | Yes, some additional gap coverage. | Preferred Generic: $0.00, Generic: $10.00, Preferred Brand: $40.00, Non-Preferred Drug: $93.00, Specialty Tier: 28%, Select Care Drugs: $0.00 | $6,500 |
| BlueMedicare Classic (HMO) – H1035-019-0 | $0.00 | $0 | Yes, some additional gap coverage. | Preferred Generic: $0.00, Generic: $10.00, Preferred Brand: $40.00, Non-Preferred Drug: $93.00, Specialty Tier: 33%, Select Care Drugs: $0.00 | $4,900 |
| BlueMedicare Complete (HMO D-SNP) – H1035-029-0 | $0.00 for people who qualify for both Medicare and Medicaid. | $0 for people who qualify for both Medicare and Medicaid. | Yes, some additional gap coverage. | Preferred Generic: $0.00, Generic: $0.00, Preferred Brand: $40.00, Non-Preferred Drug: $92.00, Specialty Tier: 25% | n/a |
| BlueMedicare Value (PPO) – H5434-033-0 | $0.00 | $150 . Tier 1 and 2 exempt | Yes, some additional gap coverage. | Preferred Generic: $3.00, Generic: $12.00, Preferred Brand: $47.00, Non-Preferred Drug: $100.00, Specialty Tier: 30%, Select Care Drugs: $0.00 | $4,500 |
| CareComplete (HMO C-SNP) – H1019-108-0 | $0.00 | $0 | Yes, some additional gap coverage. | Preferred Generic: $0.00, Generic: $15.00, Preferred Brand: $45.00, Non-Preferred Drug: $85.00, Specialty Tier: 33% | n/a |
| CareNeeds PLUS (HMO D-SNP) – H1019-073-0 | $0.00 for people who qualify for both Medicare and Medicaid. | $0 for people who qualify for both Medicare and Medicaid. | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $0.00, Generic: $4.00, Preferred Brand: $47.00, Non-Preferred Drug: $100.00, Specialty Tier: 26% | n/a |
| CareOne (HMO) – H1019-043-0 | $0.00 | $0 | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $0.00, Generic: $5.00, Preferred Brand: $25.00, Non-Preferred Drug: $75.00, Specialty Tier: 33% | $3,400 |
| CareOne PLATINUM (HMO-POS) – H1019-110-0 | $0.00 | $0 | Yes, some additional gap coverage. | Preferred Generic: $0.00, Generic: $10.00, Preferred Brand: $30.00, Non-Preferred Drug: $95.00, Specialty Tier: 33% | $3,750 |
| Cigna Preferred Medicare (HMO) – H5410-027-0 | $0.00 | $0 | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $0.00, Generic: $0.00, Preferred Brand: $35.00, Non-Preferred Drug: $95.00, Specialty Tier: 33% | $3,600 |
| Cigna Preferred Savings Medicare (HMO) – H5410-028-0 | $0.00 | $0 | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $0.00, Generic: $4.00, Preferred Brand: $42.00, Non-Preferred Drug: $95.00, Specialty Tier: 33% | $5,050 |
| Cigna Primary Medicare (HMO) – H5410-034-0 | $18.40 | $445 . Tier 1 and 2 exempt | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $2.00, Generic: $15.00, Preferred Brand: 18%, Non-Preferred Drug: 39%, Specialty Tier: 25% | $3,500 |
| Cigna TotalCare (HMO D-SNP) – H5410-031-0 | $0.00 for people who qualify for both Medicare and Medicaid. | $0 for people who qualify for both Medicare and Medicaid. | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $2.00, Generic: $15.00, Preferred Brand: 18%, Non-Preferred Drug: 39%, Specialty Tier: 25% | n/a |
| FHCP Medicare Premier Advantage (HMO) – H1035-040-0 | $20.00 | $0 | Yes, some additional gap coverage. | Preferred Generic: $0.00, Generic: $5.00, Preferred Brand: $44.00, Non-Preferred Brand: $95.00, Specialty Tier: 33% | $3,400 |
| FHCP Medicare Premier Plus (HMO) – H1035-011-0 | $0.00 | $0 | Yes, some additional gap coverage. | Preferred Generic: $0.00, Generic: $7.00, Preferred Brand: $45.00, Non-Preferred Brand: $98.00, Specialty Tier: 33% | $4,900 |
| Freedom Medi-Medi Full (HMO D-SNP) – H5427-087-0 | $0.00 for people who qualify for both Medicare and Medicaid. | $0 for people who qualify for both Medicare and Medicaid. | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $0.00, Preferred Brand: $45.00, Non-Preferred Drug: $95.00, Specialty Tier: 25% | n/a |
| Freedom Medi-Medi Partial (HMO D-SNP) – H5427-078-0 | $0.00 for people who qualify for both Medicare and Medicaid. | $0 for people who qualify for both Medicare and Medicaid. | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $0.00, Preferred Brand: $45.00, Non-Preferred Drug: $95.00, Specialty Tier: 25% | n/a |
| Freedom Medicare Plan Rx (HMO) – H5427-059-0 | $0.00 | $0 | Yes, some additional gap coverage. | Preferred Generic: $0.00, Preferred Brand: $35.00, Non-Preferred Drug: $85.00, Specialty Tier: 33% | $3,400 |
| Freedom Savings Plan (HMO) – H5427-052-0 | $0.00 | No Rx Coverage | No Rx Coverage | This Plan does NOT include Prescription Drug coverage. | $3,400 |
| Freedom VIP Savings (HMO C-SNP) – H5427-082-0 | $0.00 | $0 | Yes, some additional gap coverage. | Preferred Generic: $0.00, Preferred Brand: $35.00, Non-Preferred Drug: $85.00, Specialty Tier: 33%, Select Diabetic Drugs: $10.00 | n/a |
| Health First Classic Plan (HMO-POS) – H1099-001-0 | $97.00 | $0 | Yes, some additional gap coverage. | Preferred Generic: $3.00, Generic: $10.00, Preferred Brand: $40.00, Non-Preferred Drug: $80.00, Specialty Tier: 33%, Select Care Drugs: $0.00 | $3,750 |
| Health First Rewards Plan (HMO) – H1099-014-0 | $0.00 | $0 | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $5.00, Generic: $15.00, Preferred Brand: $45.00, Non-Preferred Drug: $90.00, Specialty Tier: 33%, Select Care Drugs: $0.00 | $5,500 |
| Health First Secure Plan (HMO) – H1099-009-0 | $0.00 | No Rx Coverage | No Rx Coverage | This Plan does NOT include Prescription Drug coverage. | $3,000 |
| Health First Value Plan (HMO) – H1099-006-0 | $33.00 | $0 | Yes, some additional gap coverage. | Preferred Generic: $3.00, Generic: $10.00, Preferred Brand: $40.00, Non-Preferred Drug: $80.00, Specialty Tier: 33%, Select Care Drugs: $0.00 | $4,950 |
| Humana Gold Choice H8145-061 (PFFS) – H8145-061-0 | $101.00 | $200 . Tier 1, 2 and 3 exempt | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $7.00, Generic: $17.00, Preferred Brand: $47.00, Non-Preferred Drug: $97.00, Specialty Tier: 29% | n/a |
| Humana Honor (PPO) – H5216-256-0 | $0.00 | No Rx Coverage | No Rx Coverage | This Plan does NOT include Prescription Drug coverage. | $4,900 |
| HumanaChoice Florida H5216-062 (PPO) – H5216-062-0 | $0.00 | $150 . Tier 1, 2 and 3 exempt | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $0.00, Generic: $12.00, Preferred Brand: $47.00, Non-Preferred Drug: $100.00, Specialty Tier: 30% | $4,900 |
| HumanaChoice R5826-005 (Regional PPO) – R5826-005-0 | $105.00 | $100 . Tier 1 and 2 exempt | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $5.00, Generic: $15.00, Preferred Brand: $45.00, Non-Preferred Drug: $95.00, Specialty Tier: 31% | $6,700 |
| HumanaChoice R5826-018 (Regional PPO) – R5826-018-0 | $0.00 | No Rx Coverage | No Rx Coverage | This Plan does NOT include Prescription Drug coverage. | $7,550 |
| HumanaChoice R5826-074 (Regional PPO) – R5826-074-0 | $0.00 | $395 . Tier 1 and 2 exempt | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $6.00, Generic: $20.00, Preferred Brand: $47.00, Non-Preferred Drug: $100.00, Specialty Tier: 25% | $7,550 |
| Lasso Healthcare Growth (MSA) – H1924-001-0 | $0.00 | No Rx Coverage | No Rx Coverage | This Plan does NOT include Prescription Drug coverage. | n/a |
| Lasso Healthcare Growth Plus (MSA) – H1924-004-0 | $0.00 | No Rx Coverage | No Rx Coverage | This Plan does NOT include Prescription Drug coverage. | n/a |
| Optimum Diamond Rewards (HMO C-SNP) – H5594-034-0 | $0.00 | $0 | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $0.00, Preferred Brand: $35.00, Non-Preferred Drug: $85.00, Specialty Tier: 33% | n/a |
| Optimum Emerald Full (HMO D-SNP) – H5594-017-0 | $0.00 for people who qualify for both Medicare and Medicaid. | $0 for people who qualify for both Medicare and Medicaid. | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $0.00, Preferred Brand: $45.00, Non-Preferred Drug: $95.00, Specialty Tier: 25% | n/a |
| Optimum Emerald Partial (HMO D-SNP) – H5594-016-0 | $0.00 for people who qualify for both Medicare and Medicaid. | $0 for people who qualify for both Medicare and Medicaid. | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $0.00, Preferred Brand: $45.00, Non-Preferred Drug: $95.00, Specialty Tier: 25% | n/a |
| UnitedHealthcare Assisted Living Plan (PPO I-SNP) – H0710-012-0 | $30.80 | $200 . Tier 1, 2 and 3 exempt | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $2.00, Generic: $12.00, Preferred Brand: $47.00, Non-Preferred Drug: $100.00, Specialty Tier: 29% | n/a |
| UnitedHealthcare Dual Complete Choice (PPO D-SNP) – H1889-002-1 | $0.00 for people who qualify for both Medicare and Medicaid. | $0 for people who qualify for both Medicare and Medicaid. | No additional gap coverage, only the Donut Hole Discount | Tier 1: 15%, Tier 2: 15%, Tier 3: 15%, Tier 4: 15%, Tier 5: 15% | n/a |
| UnitedHealthcare Dual Complete LP (HMO D-SNP) – H1045-039-0 | $0.00 for people who qualify for both Medicare and Medicaid. | $0 for people who qualify for both Medicare and Medicaid. | No additional gap coverage, only the Donut Hole Discount | Tier 1: 15%, Tier 2: 15%, Tier 3: 15%, Tier 4: 15%, Tier 5: 15% | n/a |
| UnitedHealthcare Dual Complete RP (Regional PPO D-SNP) – R0759-003-0 | $0.00 for people who qualify for both Medicare and Medicaid. | $0 for people who qualify for both Medicare and Medicaid. | No additional gap coverage, only the Donut Hole Discount | Tier 1: 15%, Tier 2: 15%, Tier 3: 15%, Tier 4: 15%, Tier 5: 15% | n/a |
| UnitedHealthcare Medicare Advantage Walgreens (HMO C-SNP) – H1045-048-1 | $0.00 | $150 . Tier 1, 2 and 3 exempt | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $0.00, Generic: $0.00, Preferred Brand: $47.00, Non-Preferred Drug: $100.00, Specialty Tier: 30% | n/a |
| UnitedHealthcare Nursing Home Plan (PPO I-SNP) – H0710-010-0 | $30.80 | $445 | No additional gap coverage, only the Donut Hole Discount | Tier 1: 25%, Tier 2: 25%, Tier 3: 25%, Tier 4: 25%, Tier 5: 25% | n/a |
| WellCare Access (HMO D-SNP) – H1032-124-0 | $0.00 for people who qualify for both Medicare and Medicaid. | $0 for people who qualify for both Medicare and Medicaid. | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $0.00, Generic: $0.00, Preferred Brand: $47.00, Non-Preferred Drug: 50%, Specialty Tier: 25% | n/a |
| WellCare Dividend Prime (HMO) – H1032-193-0 | $0.00 | $0 | Yes, some additional gap coverage. | Preferred Generic: $0.00, Generic: $5.00, Preferred Brand: $40.00, Non-Preferred Drug: $90.00, Specialty Tier: 33% | $3,400 |
| WellCare Elite (HMO) – H1032-194-0 | $0.00 | $0 | Yes, some additional gap coverage. | Preferred Generic: $0.00, Generic: $0.00, Preferred Brand: $35.00, Non-Preferred Drug: $75.00, Specialty Tier: 33% | $2,900 |
| WellCare Liberty (HMO D-SNP) – H1032-175-0 | $0.00 for people who qualify for both Medicare and Medicaid. | $0 for people who qualify for both Medicare and Medicaid. | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $0.00, Generic: $0.00, Preferred Brand: $47.00, Non-Preferred Drug: 50%, Specialty Tier: 25% | n/a |
| WellCare Premier (PPO) – H5199-008-0 | $0.00 | $150 . Tier 1 and 2 exempt | Yes, some additional gap coverage. | Preferred Generic: $0.00, Generic: $5.00, Preferred Brand: $47.00, Non-Preferred Drug: $100.00, Specialty Tier: 30% | $4,500 |
| WellCare Prime (PPO) – H5199-013-0 | $90.00 | $0 | Yes, some additional gap coverage. | Preferred Generic: $0.00, Generic: $5.00, Preferred Brand: $47.00, Non-Preferred Drug: $100.00, Specialty Tier: 33% | $1,700 |
| WellCare Select (HMO D-SNP) – H1032-182-0 | $0.00 for people who qualify for both Medicare and Medicaid. | $0 for people who qualify for both Medicare and Medicaid. | No additional gap coverage, only the Donut Hole Discount | Preferred Generic: $0.00, Generic: $0.00, Preferred Brand: $47.00, Non-Preferred Drug: 47%, Specialty Tier: 25% | n/a |
Medicare Part D by Company in Palm Bay, Florida
Palm Bay Medicare Part D companies offer plans that cover prescription medications, with deductible and copay options that vary along with the monthly cost. Whether you have original Medicare or a Palm Bay, Florida, Medicare Advantage plan, you can buy standalone Part D coverage from a local company.
Standalone Medicare Part D Plans in Palm Bay, Florida
| Plan | Details | Tiers |
|---|---|---|
| SilverScript SmartRx (PDP) S5601 – 186 – 0 by Aetna Medicare |
Monthly Premium: $7.30 Annual Deductible: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $19.00 Tier 3: $46.00 Tier 4: 48% Tier 5: 25% |
| Clear Spring Health Premier Rx (PDP) S6946 – 037 – 0 by Clear Spring Health |
Monthly Premium: $13.50 Annual Deductible: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $1.00 Tier 2: $3.00 Tier 3: $40.00 Tier 4: 38% Tier 5: 25% |
| WellCare Wellness Rx (PDP) S4802 – 180 – 0 by WellCare |
Monthly Premium: $14.70 Annual Deductible: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $6.00 Tier 3: $42.00 Tier 4: 46% Tier 5: 25% |
| WellCare Value Script (PDP) S4802 – 146 – 0 by WellCare |
Monthly Premium: $15.60 Annual Deductible: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $7.00 Tier 3: $43.00 Tier 4: 47% Tier 5: 25% |
| Humana Walmart Value Rx Plan (PDP) S5884 – 190 – 0 by Humana |
Monthly Premium: $17.20 Annual Deductible: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $1.00 Tier 2: $4.00 Tier 3: 16% Tier 4: 34% Tier 5: 25% |
| Cigna Secure-Essential Rx (PDP) S5617 – 290 – 0 by Cigna |
Monthly Premium: $24.00 Annual Deductible: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $2.00 Tier 3: 18% Tier 4: 46% Tier 5: 25% |
| SilverScript Choice (PDP) S5601 – 022 – 0 by Aetna Medicare |
Monthly Premium: $24.80 Annual Deductible: $305 Zero Premium If Full LIS Benefits: Yes ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $5.00 Tier 3: $35.00 Tier 4: 40% Tier 5: 27% |
| Mutual of Omaha Rx Premier (PDP) S7126 – 080 – 0 by Mutual of Omaha Rx |
Monthly Premium: $25.90 Annual Deductible: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $2.00 Tier 3: 23% Tier 4: 44% Tier 5: 25% |
| WellCare Medicare Rx Select (PDP) S5810 – 285 – 0 by WellCare |
Monthly Premium: $26.40 Annual Deductible: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $3.00 Tier 3: $47.00 Tier 4: 42% Tier 5: 25% |
| WellCare Classic (PDP) S4802 – 083 – 0 by WellCare |
Monthly Premium: $26.60 Annual Deductible: $445 Zero Premium If Full LIS Benefits: Yes ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $2.00 Tier 3: $28.00 Tier 4: 33% Tier 5: 25% |
| Express Scripts Medicare – Value (PDP) S5660 – 113 – 0 by Express Scripts Medicare |
Monthly Premium: $26.80 Annual Deductible: $445 Zero Premium If Full LIS Benefits: Yes ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $1.00 Tier 2: $3.00 Tier 3: $30.00 Tier 4: 50% Tier 5: 25% |
| Clear Spring Health Value Rx (PDP) S6946 – 008 – 0 by Clear Spring Health |
Monthly Premium: $26.90 Annual Deductible: $445 Zero Premium If Full LIS Benefits: Yes ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $1.00 Tier 2: $3.00 Tier 3: $42.00 Tier 4: 33% Tier 5: 25% |
| Express Scripts Medicare – Saver (PDP) S5660 – 227 – 0 by Express Scripts Medicare |
Monthly Premium: $27.20 Annual Deductible: $285 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $2.00 Tier 2: $7.00 Tier 3: $35.00 Tier 4: 50% Tier 5: 28% |
| Cigna Secure Rx (PDP) S5617 – 053 – 0 by Cigna |
Monthly Premium: $30.50 Annual Deductible: $445 Zero Premium If Full LIS Benefits: Yes ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $1.00 Tier 2: $2.00 Tier 3: $42.00 Tier 4: 50% Tier 5: 25% |
| AARP MedicareRx Walgreens (PDP) S5921 – 383 – 0 by UnitedHealthcare |
Monthly Premium: $35.40 Annual Deductible: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $6.00 Tier 3: $40.00 Tier 4: 40% Tier 5: 25% |
| Humana Basic Rx Plan (PDP) S5884 – 105 – 0 by Humana |
Monthly Premium: $45.00 Annual Deductible: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $1.00 Tier 3: 20% Tier 4: 33% Tier 5: 25% |
| WellCare Medicare Rx Saver (PDP) S5810 – 045 – 0 by WellCare |
Monthly Premium: $49.80 Annual Deductible: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $2.00 Tier 3: $30.00 Tier 4: 43% Tier 5: 25% |
| AARP MedicareRx Saver Plus (PDP) S5921 – 356 – 0 by UnitedHealthcare |
Monthly Premium: $54.20 Annual Deductible: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $1.00 Tier 2: $8.00 Tier 3: $39.00 Tier 4: 40% Tier 5: 25% |
| Cigna Secure-Extra Rx (PDP) S5617 – 256 – 0 by Cigna |
Monthly Premium: $58.80 Annual Deductible: $100 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: Yes |
Tier 1: $4.00 Tier 2: $10.00 Tier 3: $42.00 Tier 4: 50% Tier 5: 31% |
| Elixir RxPlus (PDP) S7694 – 011 – 0 by Elixir Insurance |
Monthly Premium: $61.90 Annual Deductible: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $1.00 Tier 2: $7.00 Tier 3: 15% Tier 4: 28% Tier 5: 25% |
| SilverScript Plus (PDP) S5601 – 023 – 0 by Aetna Medicare |
Monthly Premium: $62.70 Annual Deductible: $0 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: Yes |
Tier 1: $0.00 Tier 2: $2.00 Tier 3: $47.00 Tier 4: 49% Tier 5: 33% |
| Humana Premier Rx Plan (PDP) S5884 – 157 – 0 by Humana |
Monthly Premium: $66.10 Annual Deductible: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $1.00 Tier 2: $4.00 Tier 3: $45.00 Tier 4: 49% Tier 5: 25% |
| BlueMedicare Premier Rx (PDP) S5904 – 001 – 0 by Florida Blue |
Monthly Premium: $73.70 Annual Deductible: $405 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $11.00 Tier 3: $47.00 Tier 4: 50% Tier 5: 25% |
| WellCare Medicare Rx Value Plus (PDP) S5768 – 134 – 0 by WellCare |
Monthly Premium: $77.80 Annual Deductible: $0 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $1.00 Tier 2: $4.00 Tier 3: $47.00 Tier 4: 47% Tier 5: 33% |
| Express Scripts Medicare – Choice (PDP) S5660 – 181 – 0 by Express Scripts Medicare |
Monthly Premium: $84.30 Annual Deductible: $100 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: Yes |
Tier 1: $2.00 Tier 2: $7.00 Tier 3: $42.00 Tier 4: 50% Tier 5: 31% |
| Mutual of Omaha Rx Plus (PDP) S7126 – 010 – 0 by Mutual of Omaha Rx |
Monthly Premium: $86.00 Annual Deductible: $445 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $0.00 Tier 2: $2.00 Tier 3: 20% Tier 4: 35% Tier 5: 25% |
| AARP MedicareRx Preferred (PDP) S5820 – 010 – 0 by UnitedHealthcare |
Monthly Premium: $88.70 Annual Deductible: $0 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: No |
Tier 1: $5.00 Tier 2: $10.00 Tier 3: $45.00 Tier 4: 40% Tier 5: 33% |
| BlueMedicare Complete Rx (PDP) S5904 – 002 – 0 by Florida Blue |
Monthly Premium: $172.00 Annual Deductible: $0 Zero Premium If Full LIS Benefits: No ICL: $4,130 Additional Gap Coverage: Yes |
Tier 1: $3.00 Tier 2: $10.00 Tier 3: $40.00 Tier 4: $93.00 Tier 5: 33% |
Medicare Supplement By Company in Palm Bay, Florida
Palm Bay, Florida, Medicare supplement plans are designed to fill in the gaps left by original Medicare. That’s why they’re also known as Medigap plans. Compare Palm Bay, FL, Medigap companies, and the plans they offer here.
Medicare Supplement Companies in Palm Bay, Florida
| Company | Plans |
|---|---|
| AARP – UnitedHealthcare Insurance Company (Standard) | Medigap Plan A, Medigap Plan B, Medigap Plan C, Medigap Plan F, Medigap Plan G, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| Accendo Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| American Benefit Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Atlantic Coast Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Atlantic Coast Life Insurance Company (Household) | Medigap Plan A, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Capitol Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Central States Health and Life Co. of Omaha | Medigap Plan A, Medigap Plan C, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Cigna Health & Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan N |
| Colonial Penn Life Insurance Company | Medigap Plan A, Medigap Plan B, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan K, Medigap Plan L, Medigap Plan M, Medigap Plan N |
| Combined Insurance Company of America | Medigap Plan A, Medigap Plan F, Medigap Plan G |
| Continental Life Insurance Company of Brentwood, Tennessee (Aetna) | Medigap Plan A, Medigap Plan B, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Everence Association Inc. | Medigap Plan A, Medigap Plan F, Medigap Plan G, Medigap Plan L |
| Federal Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Florida Blue | Medigap Plan A, Medigap Plan B, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan K, Medigap Plan L, Medigap Plan M, Medigap Plan N |
| Globe Life and Accident Insurance Company (Direct to Consumer) | Medigap Plan A, Medigap Plan B, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Great Southern Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan N |
| Humana (Humana Insurance Company) | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan G-high deductible, Medigap Plan N |
| Independence American Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Lumico Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| National Guardian Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| National Health Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan N |
| National Health Insurance Company (Household) | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan N |
| New Era Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan N |
| Pan-American Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan N |
| Prosperity Life Group | Medigap Plan A, Medigap Plan C, Medigap Plan G |
| State Farm Mutual Automobile Insurance Company | Medigap Plan A, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| USAA Life Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Union Security Insurance Company | Medigap Plan A, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| United American Insurance Company | Medigap Plan A, Medigap Plan B, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan G-high deductible, Medigap Plan N |
| United of Omaha Life Insurance | Medigap Plan A, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan G-high deductible, Medigap Plan N |
| Wisconsin Physicians Service Insurance Corporation | Medigap Plan A, Medigap Plan C, Medigap Plan F, Medigap Plan G, Medigap Plan K, Medigap Plan L, Medigap Plan N |
Medicare Supplement Coverage by Plan in Palm Bay, Florida
Medicare supplement plans in Palm Bay, FL, are standardized, so you’ll get the same coverage regardless of which company you choose. Find out what the standard Medigap plans in Florida cover here.
Palm Bay, Florida Standard Medicare Plan Coverage
| Plan Name | Monthly Cost | Copays Coinsurance | Deductibles | Plan Benefits |
|---|---|---|---|---|
| Medigap Plan A | Premiums range from $134-$1,091 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $1,484 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: No
Part A deductible: No Part B deductible: No Part B excess charges: No Foreign travel emergency: No |
| Medigap Plan B | Premiums range from $168-$952 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $0 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: No
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: No |
| Medigap Plan C | Premiums range from $182-$1,110 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $0 Hospital (Part A) deductible, $0 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: Yes Part B excess charges: No Foreign travel emergency: Yes |
| Medigap Plan D | Premiums range from $185-$988 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $0 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: Yes |
| Medigap Plan F | Premiums range from $182-$1,172 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $0 Hospital (Part A) deductible, $0 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: Yes Part B excess charges: Yes Foreign travel emergency: Yes |
| Medigap Plan F-high deductible | Premiums range from $51-$723 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services after you pay $2,370 deductible | $2,370 total plan deductible. After, you pay: $0 Hospital (Part A) deductible, $0 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: Yes Part B excess charges: Yes Foreign travel emergency: Yes |
| Medigap Plan G | Premiums range from $166-$1,104 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $0 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: Yes Foreign travel emergency: Yes |
| Medigap Plan G-high deductible | Premiums range from $51-$723 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services after you pay $2,370 deductible | $2,370 total plan deductible. After, you pay: $0 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: Yes Foreign travel emergency: Yes |
| Medigap Plan K | Premiums range from $57-$373 depending on your age, sex, health status, and when you buy. | 10% Generally your cost for approved Part B services up to $6,220. Then, you’ll pay $0 for the rest of the year. | $742 (50% of Part A deductible) Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: No |
| Medigap Plan L | Premiums range from $116-$552 depending on your age, sex, health status, and when you buy. | 5% Generally your cost for approved Part B services up to $3,110. Then, you’ll pay $0 for the rest of the year. | $371 (25% of Part A deductible) Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: No |
| Medigap Plan M | Premiums range from $171-$637 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $742 (50% of Part A deductible) Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: Yes |
| Medigap Plan N | Premiums range from $124-$819 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services with some $20 and $50 copays | $0 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: Yes |
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Shop for Medicare Coverage in Palm Bay, Florida
Finding the right coverage for Medicare in Palm Bay, Florida, is a matter of looking at your choices and narrowing down the best fits for your needs and budget. Whether you want a PPO Medicare Advantage plan in Palm Bay, FL, or you prefer to bolster original Medicare with a Palm Bay Medicare supplement plan, shopping around is your best bet.
To compare Palm Bay, Florida, Medicare rates, enter your ZIP code here for fast, free quotes.
Frequently Asked Questions
What is the Medicare Advantage Open Enrollment Period?
The Medicare Advantage Open Enrollment Period (OEP) is a period of time each year when you can make changes to your Medicare Advantage plan. It runs from January 1 to March 31, and during this time you can switch to a different Medicare Advantage plan or switch back to Original Medicare.
What is the Medicare Annual Enrollment Period?
The Medicare Annual Enrollment Period (AEP) is a period of time each year when you can make changes to your Medicare coverage. It runs from October 15 to December 7, and during this time you can enroll in, change, or disenroll from Medicare Advantage or Medicare prescription drug coverage.
Can I enroll in a Medicare Advantage plan in Palm Bay, Florida?
Yes, you can enroll in a Medicare Advantage plan in Palm Bay, Florida if you are eligible for Medicare and the plan is offered in your area. You can compare plans and enroll on the Medicare website or consult with a licensed insurance agent.
What is a Medicare Advantage plan?
A Medicare Advantage plan, also known as Part C, is a type of Medicare plan offered by private insurance companies. These plans often include additional benefits like vision, dental, and prescription drug coverage.
Can I change my Medicare company in Palm Bay, Florida?
Yes, you can change your Medicare company in Palm Bay, Florida during the Annual Enrollment Period (AEP), which runs from October 15 to December 7 each year. You can also make changes during the Medicare Advantage Open Enrollment Period (OEP), which runs from January 1 to March 31.
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