Highlands County, Florida — 2026 Medicare Advantage plans
54 individual Medicare Advantage plan segments from 8 parent organizations are filed for Highlands County for 2026, per CMS public files. This page reports what was filed; it does not rank or recommend plans.
CMS public dataReported, not recommendedNo broker influenceNo paid placementDirect from CMS sources
54plans filed +12 vs prior year
46with a $0 premium +15 vs prior year
$5,950median in-network MOOP +$1,000 vs prior year
40on 4-star or better contracts
43report comprehensive dental
41report an OTC allowance
Quick filters:
| Plan | Type | Premium | In-network MOOP | Part D deductible | Star rating | OTC allowance | Supplemental benefits reported |
|---|---|---|---|---|---|---|---|
| AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) UnitedHealth Group, Inc. · H1045-058-000 · SoB ✓ | HMO-POS | $0 | $6,700 | $600 | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| AARP Medicare Advantage from UHC FL-0012 (HMO-POS) UnitedHealth Group, Inc. · H1045-042-000 · SoB ✓ | HMO-POS | $0 | $2,900 | $270 | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| AARP Medicare Advantage from UHC FL-0027 (PPO) UnitedHealth Group, Inc. · H2406-019-000 · SoB ✓ | PPO | $0 | $5,900 | $600 | 4.0out of 5 stars, Above average | — | Vision exam Eyewear Hearing aids Meals |
| Aetna Medicare Dual Select (HMO D-SNP) CVS Health Corporation · H1609-056-000 · SoB ✓ | HMO D-SNP | $0 | $9,250 | $615 | 4.5out of 5 stars, Above average | $192 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Aetna Medicare Full Dual Select (HMO D-SNP) CVS Health Corporation · H1609-078-000 · SoB ✓ | HMO D-SNP | $0 | $9,250 | $615 | 4.5out of 5 stars, Above average | $235 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Aetna Medicare Select (HMO) CVS Health Corporation · H1609-027-000 · SoB ✓ | HMO | $0 | $3,300 | $0 | 4.5out of 5 stars, Above average | $20 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Aetna Medicare Signature (PPO) CVS Health Corporation · H5521-272-000 · SoB ✓ | PPO | $0 | $5,500 | $615 | 4.5out of 5 stars, Above average | — | Comprehensive dental Vision exam Eyewear Hearing aids |
| Aetna Medicare Signature (PPO) CVS Health Corporation · H5521-033-000 · SoB ✓ | PPO | $0 | $6,750 | $615 | 4.5out of 5 stars, Above average | — | Comprehensive dental Vision exam Eyewear Hearing aids |
| Aetna Medicare Signature (PPO) CVS Health Corporation · H5521-710-000 · SoB ✓ | PPO | $0 | $6,750 | $615 | 4.5out of 5 stars, Above average | — | Vision exam Eyewear Hearing aids |
| BlueMedicare Value (PPO) Guidewell Mutual Holding Corporation · H5434-024-000 · SoB | PPO | $0 | $6,750 | $615 | 3.5out of 5 stars, Average | $30 | Vision exam Eyewear Hearing aids OTC allowance |
| Health First Emerald Plus H1099-028 (HMO) Health First Shared Services, Inc. · H1099-028-000 · SoB | HMO | $0 | $3,700 | $0 | 4.0out of 5 stars, Above average | $40 | Vision exam Eyewear Hearing aids Transportation OTC allowance |
| Health First Premier Access H1099-027 (HMO-POS) Health First Shared Services, Inc. · H1099-027-000 · SoB | HMO-POS | $0 | $4,700 | $200 | 4.0out of 5 stars, Above average | $125 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Health First SunSaver H1099-016 (HMO) Health First Shared Services, Inc. · H1099-016-000 · SoB | HMO | $0 | $3,500 | $0 | 4.0out of 5 stars, Above average | $130 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Humana Direct Choice Giveback (PPO) Humana Inc. · H7617-112-000 · SoB ✓ | PPO | $0 | $6,750 | $130 | 4.5out of 5 stars, Above average | — | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids |
| Humana Direct Choice Giveback (PPO) Humana Inc. · H5216-452-000 · SoB ✓ | PPO | $0 | $6,750 | $250 | 3.5out of 5 stars, Average | — | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Meals |
| Humana Dual Integrated (HMO D-SNP) Humana Inc. · H1036-340-000 · SoB ✓ | HMO D-SNP | $0 | $9,250 | $0 | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Humana Full Access Giveback H5216-393 (PPO) Humana Inc. · H5216-393-000 · SoB ✓ | PPO | $0 | $6,750 | $600 | 3.5out of 5 stars, Average | — | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Meals |
| Humana Full Access Giveback H7617-111 (PPO) Humana Inc. · H7617-111-000 · SoB ✓ | PPO | $0 | $6,750 | $600 | 4.5out of 5 stars, Above average | — | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Meals |
| Humana Fully Integrated H1036-280 (HMO D-SNP) Humana Inc. · H1036-280-000 · SoB ✓ | HMO D-SNP | $0 | $3,400 | $20 | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana Inc. · H1036-299-000 · SoB ✓ | HMO C-SNP | $0 | $2,000 | $615 | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana Inc. · H1036-338-000 · SoB ✓ | HMO C-SNP | $0 | $3,300 | $615 | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Humana Gold Plus Giveback H1036-265 (HMO) Humana Inc. · H1036-265-001 · SoB ✓ | HMO | $0 | $2,400 | $0 | 4.5out of 5 stars, Above average | — | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation |
| Humana Gold Plus Giveback H1036-266 (HMO) Humana Inc. · H1036-266-000 · SoB ✓ | HMO | $0 | $3,400 | $0 | 4.5out of 5 stars, Above average | — | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation |
| Humana Gold Plus H1036-230 (HMO) Humana Inc. · H1036-230-000 · SoB ✓ | HMO | $0 | $2,400 | $615 | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| Humana Gold Plus Lung (HMO C-SNP) Humana Inc. · H1036-312-000 · SoB ✓ | HMO C-SNP | $0 | $2,000 | $615 | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Humana Gold Plus SNP-DE H1036-102 (HMO D-SNP) Humana Inc. · H1036-102-000 · SoB ✓ | HMO D-SNP | $0 | $1,500 | $0 | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Humana Gold Plus SNP-DE H1036-314 (HMO D-SNP) Humana Inc. · H1036-314-000 · SoB ✓ | HMO D-SNP | $0 | $3,400 | $0 | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| HumanaChoice Florida H5216-072 (PPO) Humana Inc. · H5216-072-000 · SoB ✓ | PPO | $0 | $5,600 | $615 | 3.5out of 5 stars, Average | — | Vision exam Eyewear Hearing aids |
| HumanaChoice Florida H5216-304 (PPO) Humana Inc. · H5216-304-000 · SoB ✓ | PPO | $0 | $4,700 | $615 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| HumanaChoice Florida H7617-109 (PPO) Humana Inc. · H7617-109-000 · SoB ✓ | PPO | $0 | $4,700 | $615 | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Simply Complete Platinum (HMO D-SNP) Elevance Health, Inc. · H5471-142-000 · SoB ✓ | HMO D-SNP | $0 | $500 | $615 | 4.5out of 5 stars, Above average | $129 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Simply Integrated Platinum (HMO D-SNP) Elevance Health, Inc. · H5471-143-000 · SoB ✓ | HMO D-SNP | $0 | $500 | $615 | 4.5out of 5 stars, Above average | $125 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| UHC Complete Care FL-14 (HMO-POS C-SNP) UnitedHealth Group, Inc. · H1045-048-003 · SoB ✓ | HMO-POS C-SNP | $0 | $3,400 | $270 | 4.5out of 5 stars, Above average | Reported | Vision exam Eyewear Hearing aids OTC allowance Meals |
| UHC Dual Complete FL-D006 (HMO-POS D-SNP) UnitedHealth Group, Inc. · H2509-002-000 · SoB ✓ | HMO-POS D-SNP | $0 | $9,250 | $544 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| UHC Dual Complete FL-Y001 (HMO-POS D-SNP) UnitedHealth Group, Inc. · H2509-001-000 · SoB ✓ | HMO-POS D-SNP | $0 | $9,250 | $615 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP) UnitedHealth Group, Inc. · H2509-003-000 · SoB ✓ | HMO-POS D-SNP | $0 | $9,250 | $615 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Wellcare Giveback (HMO) Centene Corporation · H1032-198-000 · SoB ✓ | HMO | $0 | $7,200 | $615 | 4.0out of 5 stars, Above average | — | Vision exam Eyewear Hearing aids |
| Wellcare Simple (HMO) Centene Corporation · H1032-199-000 · SoB ✓ | HMO | $0 | $3,000 | $615 | 4.0out of 5 stars, Above average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| HumanaChoice Florida SNP-DE H5216-394 (PPO D-SNP) Humana Inc. · H5216-394-000 · SoB ✓ | PPO D-SNP | $4.80 | $4,900 | $615 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Longevity Health Plan (HMO I-SNP) Longevity Health Founders, LLC · H1644-001-000 · SoB | HMO I-SNP | $4.80 | $9,250 | $615 | Not rated | $135 | Vision exam Eyewear Hearing aids OTC allowance |
| UHC Dual Complete FL-D003 (PPO D-SNP) UnitedHealth Group, Inc. · H1889-002-001 · SoB ✓ | PPO D-SNP | $4.80 | $9,250 | $615 | 4.0out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| UHC Dual Complete FL-Y4 (PPO D-SNP) UnitedHealth Group, Inc. · H1889-026-000 · SoB ✓ | PPO D-SNP | $4.80 | $9,250 | $615 | 4.0out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Wellcare Dual Access Sync (HMO D-SNP) Centene Corporation · H1032-241-000 · SoB ✓ | HMO D-SNP | $4.80 | $9,250 | $615 | 4.0out of 5 stars, Above average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Wellcare Dual Reserve (HMO D-SNP) Centene Corporation · H1032-202-000 · SoB ✓ | HMO D-SNP | $4.80 | $3,000 | $615 | 4.0out of 5 stars, Above average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Wellcare Sunshine Health Dual Align (HMO D-SNP) Centene Corporation · H1032-243-000 · SoB ✓ | HMO D-SNP | $4.80 | $9,250 | $615 | 4.0out of 5 stars, Above average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| BlueMedicare Select (PPO) Guidewell Mutual Holding Corporation · H5434-002-000 · SoB ✓ | PPO | $153.70 | $6,750 | $615 | 3.5out of 5 stars, Average | — | Vision exam Eyewear Hearing aids |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) UnitedHealth Group, Inc. · H2406-130-000 · SoB ✓ | PPO | — | $8,900 | — | 4.0out of 5 stars, Above average | Reported | Vision exam Eyewear Hearing aids OTC allowance Meals |
| Aetna Medicare Eagle Giveback (PPO) CVS Health Corporation · H5521-306-000 · SoB ✓ | PPO | — | $6,750 | — | 4.5out of 5 stars, Above average | $30 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| BlueMedicare Patriot (PPO) Guidewell Mutual Holding Corporation · H5434-042-000 · SoB | PPO | — | $6,750 | — | 3.5out of 5 stars, Average | $50 | Vision exam Eyewear Hearing aids OTC allowance |
| Humana USAA Honor Giveback (HMO) Humana Inc. · H1036-119-000 · SoB ✓ | HMO | — | $3,900 | — | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Humana USAA Honor Giveback (PPO) Humana Inc. · H5216-257-000 · SoB ✓ | PPO | — | $6,000 | — | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Humana USAA Honor Giveback (PPO) Humana Inc. · H5216-467-000 · SoB ✓ | PPO | — | $6,750 | — | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Humana USAA Honor Giveback (PPO) Humana Inc. · H7617-108-000 · SoB ✓ | PPO | — | $6,750 | — | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Wellcare Patriot Giveback (HMO) Centene Corporation · H1032-239-000 · SoB ✓ | HMO | — | $5,000 | — | 4.0out of 5 stars, Above average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
What the star rating means. CMS rates every Medicare Advantage contract (the "H" number in the plan ID — all plans under it share the rating) on a 1-to-5 scale each October, from about 40 measures of care quality, member experience, complaints and appeals, customer service and, for plans with drug coverage, drug safety and pricing. The 2026 rating is largely based on performance measured in 2024.
5 Excellent4 Above average3 Average2 Below average1 Poor
Not rated means CMS published no overall rating — usually a contract too new to be measured or with too few members ("not enough data"); it is not a low score. A 5-star contract can be joined outside the normal enrollment windows (the 5-star Special Enrollment Period, Dec 8 – Nov 30). Medicare.gov flags contracts rated below 3 stars for three years running as low-performing. Stars describe the contract's past performance as CMS measured it; they are not a recommendation, and they do not tell you whether a plan's network, drugs or costs fit you.
How to read this table
Yes — the plan's approved bid reports the benefit. No — the bid reports it is not offered. — — CMS did not publish a value for this field; that is not the same as No. Reported under an allowance column means the benefit is offered but CMS published no dollar amount. Premium is the CMS consolidated monthly premium (Part C + Part D). MOOP is the in-network maximum out-of-pocket. Star rating is the contract's overall rating in the CMS file used for this build. SNP plans (D-SNP, C-SNP, I-SNP) are limited to people who meet the plan's eligibility rules. A plan's own Summary of Benefits and Evidence of Coverage govern the details.
Click a column header to sort. On small screens the Part D deductible and OTC columns are hidden; open a plan for the full record.
Is a drug covered by plans in Highlands County?
Before enrolling or making a coverage decision, confirm current details with the plan, Medicare.gov, your State Health Insurance Assistance Program (SHIP), or 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048). MedicareBenefits.care reports CMS-filed data and does not verify provider networks, pharmacy participation, or final plan terms.
Download all 54 Highlands County plans as CSVEvery column on this page plus the 14 benefit flags and published allowances — part of Pro, $99/month or $990/year.