2027 Medicare plans in Lee County, FL
The Medicare Advantage and Part D drug plans sold in Lee County, Florida for 2027 in CMS's plan data, with each plan's premium, out-of-pocket maximum and star rating. Open enrollment for 2027 runs October 15 to December 7, 2026.
At a glance
- 78 plans from 14 insurance companies
- Medicare Advantage plans with drug coverage: 24, premiums $0 to $173 a month; 20 have a $0 premium
- Part D drug plans: 11, premiums $5.30 to $326 a month
- Plans with a CMS star rating of 4 or more: 53
Compare these plans for your prescriptions
Enter your ZIP code and add your prescriptions to see each plan's estimated yearly cost, including your drugs, next to Cost Plus Drugs prices.
Compare plans with my prescriptionsMedicare Advantage plans with drug coverage (24)
| Plan | Premium per month | Out-of-pocket max | Stars |
|---|---|---|---|
| AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS)UnitedHealthcare · HMO-POS · drug deductible $685 | $0 | $7,150 | ★ 4.0 |
| AARP Medicare Advantage from UHC FL-0006 (HMO-POS)UnitedHealthcare · HMO-POS · drug deductible $405 | $0 | $3,800 | ★ 4.0 |
| AARP Medicare Advantage from UHC FL-0010 (HMO-POS)UnitedHealthcare · HMO-POS · drug deductible $405 | $0 | $3,400 | ★ 4.0 |
| AARP Medicare Advantage from UHC FL-0017 (PPO)UnitedHealthcare · PPO · drug deductible $685 | $0 | $7,150 | ★ 4.0 |
| Aetna Medicare Select (HMO)Aetna Medicare · HMO · drug deductible $0 | $0 | $3,900 | ★ 4.0 |
| Aetna Medicare Signature (PPO)Aetna Medicare · PPO · drug deductible $700 | $0 | $7,150 | ★ 4.0 |
| Aetna Medicare Signature Legacy (PPO)Aetna Medicare · PPO · drug deductible $700 | $0 | $5,500 | ★ 4.0 |
| BlueMedicare Classic (HMO)Florida Blue HMO · HMO · drug deductible $700 | $0 | $6,750 | ★ 3.5 |
| BlueMedicare Premier (HMO)Florida Blue HMO · HMO · drug deductible $350 | $0 | $3,500 | ★ 3.5 |
| BlueMedicare Value (PPO)Florida Blue · PPO · drug deductible $597 | $0 | $6,500 | ★ 3.0 |
| DEVOTED CHOICE GIVEBACK 016 FL (PPO)Devoted Health · PPO · drug deductible $650 | $0 | $7,150 | ★ 4.0 |
| Freedom Medicare Plan Rx (HMO)Freedom Health, Inc. · HMO · drug deductible $0 | $0 | $4,450 | ★ 4.0 |
| Freedom Platinum Plan Rx (HMO)Freedom Health, Inc. · HMO · drug deductible $0 | $0 | $2,750 | ★ 4.0 |
| Freedom Platinum Rewards Plan Rx (HMO)Freedom Health, Inc. · HMO · drug deductible $0 | $0 | $3,400 | ★ 4.0 |
| Humana Essentials Plus Giveback (PPO)Humana · PPO · drug deductible $700 | $0 | $7,150 | ★ 4.5 |
| Humana Gold Plus Giveback H1036-278 (HMO)Humana · HMO · drug deductible $700 | $0 | $4,400 | ★ 4.5 |
| Humana Gold Plus H1036-217 (HMO)Humana · HMO · drug deductible $700 | $0 | $3,800 | ★ 4.5 |
| Humana Value Choice (PPO)Humana · PPO · drug deductible $700 | $0 | $5,600 | ★ 4.0 |
| Wellcare Giveback (HMO-POS)Wellcare · HMO-POS · drug deductible $700 | $0 | $7,200 | ★ 4.0 |
| Wellcare Simple (HMO-POS)Wellcare · HMO-POS · drug deductible $700 | $0 | $3,000 | ★ 4.0 |
| HumanaChoice R5826-074 (Regional PPO)Humana · PPO · drug deductible $700 | $35 | $7,550 | ★ 4.0 |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO)UnitedHealthcare · PPO · drug deductible $685 | $127 | $9,850 | ★ 3.5 |
| HumanaChoice R5826-005 (Regional PPO)Humana · PPO · drug deductible $700 | $161 | $6,700 | ★ 4.0 |
| BlueMedicare Select (PPO)Florida Blue · PPO · drug deductible $700 | $173 | $7,500 | ★ 3.0 |
Medicare Advantage plans without drug coverage (10)
| Plan | Premium per month | Out-of-pocket max | Stars |
|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO)UnitedHealthcare · PPO | $0 | $9,250 | ★ 3.5 |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO)UnitedHealthcare · PPO | $0 | $8,900 | ★ 4.0 |
| Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · PPO | $0 | $7,150 | ★ 4.0 |
| BlueMedicare Patriot (PPO)Florida Blue · PPO | $0 | $6,750 | ★ 3.0 |
| BlueMedicare Patriot Plus (PPO)Florida Blue · PPO | $0 | $6,750 | ★ 3.0 |
| Freedom Savings Plan (HMO)Freedom Health, Inc. · HMO | $0 | $4,450 | ★ 4.0 |
| Humana USAA Honor Giveback (HMO)Humana · HMO | $0 | $6,700 | ★ 4.5 |
| Humana USAA Honor Giveback (PPO)Humana · PPO | $0 | $6,000 | ★ 4.0 |
| Humana USAA Honor Giveback (PPO)Humana · PPO | $0 | $6,750 | ★ 4.5 |
| HumanaChoice R5826-018 (Regional PPO)Humana · PPO | $9 | $7,550 | ★ 4.0 |
Special Needs Plans (only for people who qualify) (33)
| Plan | Premium per month | Out-of-pocket max | Stars |
|---|---|---|---|
| Aetna Medicare Chronic Care (HMO C-SNP)Aetna Medicare · HMO · drug deductible $300 | $0 | $3,900 | ★ 4.0 |
| Aetna Medicare Full Dual Select (HMO D-SNP)Aetna Medicare · HMO · drug deductible $700 | $0 | $9,850 | ★ 4.0 |
| Aetna Medicare Partial Dual Select (HMO D-SNP)Aetna Medicare · HMO · drug deductible $700 | $0 | $9,850 | ★ 4.0 |
| BlueMedicare Focus (HMO C-SNP)Florida Blue HMO · HMO · drug deductible $700 | $0 | $3,400 | ★ 3.5 |
| Florida Complete Care (HMO I-SNP)Florida Complete Care · HMO · drug deductible $260 | $0 | $3,400 | ★ 3.0 |
| Florida Complete Care- In The Community (HMO-POS I-SNP)Florida Complete Care · HMO-POS · drug deductible $260 | $0 | $3,400 | ★ 3.0 |
| Florida Complete Care-Duals VIP (HMO-POS D-SNP)Florida Complete Care · HMO-POS · drug deductible $260 | $0 | $3,400 | ★ 3.0 |
| Freedom Medi-Medi Partial (HMO D-SNP)Freedom Health, Inc. · HMO · drug deductible $105 | $0 | $500 | ★ 4.0 |
| Freedom VIP Savings (HMO C-SNP)Freedom Health, Inc. · HMO · drug deductible $0 | $0 | $3,400 | ★ 4.0 |
| Freedom VIP Savings COPD (HMO C-SNP)Freedom Health, Inc. · HMO · drug deductible $0 | $0 | $3,400 | ★ 4.0 |
| Humana Dual Integrated (HMO D-SNP)Humana · HMO · drug deductible $700 | $0 | $9,850 | ★ 4.5 |
| Humana Dual Integrated (PPO D-SNP)Humana · PPO · drug deductible $150 | $0 | $9,850 | ★ 4.0 |
| Humana Dual Select H1036-285 (HMO D-SNP)Humana · HMO · drug deductible $700 | $0 | $3,400 | ★ 4.5 |
| Humana Dual Select H1036-314 (HMO D-SNP)Humana · HMO · drug deductible $700 | $0 | $3,400 | ★ 4.5 |
| Humana Dual Select H5216-394 (PPO D-SNP)Humana · PPO · drug deductible $50 | $0 | $4,900 | ★ 4.0 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP)Humana · HMO · drug deductible $0 | $0 | $3,300 | ★ 4.5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP)Humana · HMO · drug deductible $700 | $0 | $2,850 | ★ 4.5 |
| Humana Gold Plus Lung (HMO C-SNP)Humana · HMO · drug deductible $100 | $0 | $3,300 | ★ 4.5 |
| Optimum Diamond Savings (HMO C-SNP)Optimum HealthCare, Inc. · HMO · drug deductible $0 | $0 | $5,000 | ★ 4.5 |
| Optimum Diamond Savings COPD (HMO C-SNP)Optimum HealthCare, Inc. · HMO · drug deductible $0 | $0 | $5,000 | ★ 4.5 |
| Optimum Emerald Partial (HMO D-SNP)Optimum HealthCare, Inc. · HMO · drug deductible $105 | $0 | $500 | ★ 4.5 |
| Premier Care (HMO I-SNP)Align Senior Care · HMO · drug deductible $450 | $0 | $2,200 | Not rated |
| Simply Complete Platinum (HMO D-SNP)Simply Healthcare Plans, Inc. · HMO · drug deductible $105 | $0 | $500 | ★ 4.0 |
| Simply Integrated Platinum (HMO D-SNP)Simply Healthcare Plans, Inc. · HMO · drug deductible $105 | $0 | $500 | ★ 4.0 |
| UHC Complete Care FL-14 (HMO-POS C-SNP)UnitedHealthcare · HMO-POS · drug deductible $405 | $0 | $3,400 | ★ 4.0 |
| UHC Dual Complete FL-Q1 (PPO D-SNP)UnitedHealthcare · PPO · drug deductible $700 | $0 | $9,850 | ★ 3.5 |
| UHC Dual Complete FL-Q3 (Regional PPO D-SNP)UnitedHealthcare · PPO · drug deductible $700 | $0 | $9,850 | ★ 3.5 |
| UHC Dual Complete FL-QV2 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS · drug deductible $75 | $0 | $9,850 | ★ 4.0 |
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS · drug deductible $75 | $0 | $9,850 | ★ 4.0 |
| Senior Care (HMO I-SNP)Align Senior Care · HMO · drug deductible $700 | $2.10 | $9,850 | Not rated |
| UHC Nursing Home Plan FL-F001 (PPO I-SNP)UnitedHealthcare · PPO · drug deductible $700 | $6.10 | $9,850 | ★ 5.0 |
| Longevity Health Plan (HMO I-SNP)Longevity Health Plan · HMO · drug deductible $700 | $7.30 | $9,850 | ★ 5.0 |
| UHC Dual Complete FL-Y7 (PPO D-SNP)UnitedHealthcare · PPO · drug deductible $700 | $7.30 | $9,850 | ★ 3.5 |
Part D drug plans (to add to Original Medicare) (11)
| Plan | Premium per month | Drug deductible | Stars |
|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · PDP | $5.30 | $700 | ★ 3.0 |
| Wellcare Classic (PDP)Wellcare · PDP | $7.30 | $700 | ★ 3.0 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · PDP | $9.30 | $700 | ★ 2.5 |
| Humana Value Rx Plan (PDP)Humana · PDP | $45.20 | $687 | ★ 4.5 |
| Humana Basic Rx Plan (PDP)Humana · PDP | $90.30 | $700 | ★ 4.5 |
| SilverScript Choice (PDP)Aetna Medicare · PDP | $126 | $700 | ★ 2.5 |
| Humana Premier Rx Plan (PDP)Humana · PDP | $135.20 | $350 | ★ 4.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · PDP | $149.20 | $700 | ★ 3.0 |
| BlueMedicare Premier Rx (PDP)Florida Blue · PDP | $164.60 | $700 | ★ 2.5 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · PDP | $184.10 | $300 | ★ 3.0 |
| BlueMedicare Complete Rx (PDP)Florida Blue · PDP | $326 | $700 | ★ 2.5 |
Sorted by monthly premium. The lowest premium isn't always the lowest total cost: drug costs, copays and the out-of-pocket maximum matter too.
Plan costs and benefits are from CMS's 2027 Medicare plan data (data as of October 27, 2026). Star ratings are CMS's 2027 Star Ratings. Every year, Medicare evaluates plans based on a 5-star rating system. Benefits, premiums and copays can change from year to year; check the plan's Evidence of Coverage, call the plan, or use Medicare.gov before you enroll.