- Entity
- county:florida-bay-12005
- Digest
- 2026-county-ma-aggregate
- Population Scope
- Standard Medicare Advantage plans only; Special Needs Plans (SNPs) excluded
- Source URL
- https://www.medicareplans.com/medicare-advantage/florida/bay/
- Glossary Scope
- cms_landscape
- Fragment Scope
- semantic-digest
- Method
- https://webmem.com/protocol/serialization/html/
- fragment-county-plan-index
- Total Standard Medicare Advantage Plans
- 23
- PPO Plans
- 17
- HMO Plans
- 5
- HMO-POS Plans
- 1
- PFFS Plans
- 0
- Average Monthly Premium
- 20.86
- Average MOOP
- 6828.26
- Average Part D Deductible
- 542.14
- $0 Premium Plans
- 18
- Plans Without Part D Coverage
- 9
- Average CMS Star Rating
- 3.78
- $0 Premium Plan Share
- 78.26
- 5-Star Plan Share
- 0
- 4+ Star Plan Share
- 35
- 3-Star Plan Share
- 65
- Below 3-Star Plan Share
- 0
- Not-Rated Plan Share
- 0
- PPO Average Monthly Premium
- 28.22
- PPO Average MOOP
- 7361.76
- PPO Enrollment
- 10701
- PPO $0 Premium Plans
- 12
- PPO Plans Without Part D Coverage
- 7
- HMO Average Monthly Premium
- 0
- HMO Average MOOP
- 5600
- HMO Enrollment
- 1075
- HMO $0 Premium Plans
- 5
- HMO Plans Without Part D Coverage
- 2
- HMO-POS Average Monthly Premium
- 0
- HMO-POS Average MOOP
- 3900
- HMO-POS Enrollment
- 1507
- HMO-POS $0 Premium Plans
- 1
- HMO-POS Plans Without Part D Coverage
- 0
- Entity
- county:florida-bay-12005
- Digest
- 2026-county-ma-aggregate
- Population Scope
- Standard Medicare Advantage plans only; Special Needs Plans (SNPs) excluded
- Source URL
- https://www.medicareplans.com/medicare-advantage/florida/bay/
- Glossary Scope
- cms_landscape
- Fragment Scope
- semantic-digest
- Method
- https://webmem.com/protocol/serialization/html/
- fragment-florida-bay-12005-landscape-stats
- Plans Indexed
- 23
- Standard Medicare Advantage Plans
-
-
AARP Medicare Advantage from UHC FL-0008
H1045-031-0 -
Humana Full Access Giveback H7617-111
H7617-111-0 -
Humana Total Complete H1036-143
H1036-143-0 -
Humana USAA Honor Giveback
H7617-108-0 -
Humana USAA Honor Giveback
H1036-290-0 -
AARP Medicare Advantage from UHC FL-0016
H2406-008-0 -
AARP Medicare Advantage Patriot No Rx FL-MA2
H2406-130-0 -
BlueMedicare Classic
H1035-019-0 -
AARP Medicare Advantage from UHC FL-0031
R0759-001-0 -
AARP Medicare Advantage Patriot No Rx FL-MA01
R0759-002-0 -
BlueMedicare Patriot
H5434-040-0 -
BlueMedicare Select
H5434-002-0 -
BlueMedicare Value
H5434-025-0 -
HealthSpring Courage
H5410-004-0 -
HealthSpring Preferred
H5410-018-0 -
Humana Full Access Giveback H5216-393
H5216-393-0 -
Humana USAA Honor Giveback
H5216-467-0 -
Humana USAA Honor Giveback
H5216-257-0 -
Humana Value Choice H5216-070
H5216-070-0 -
HumanaChoice Florida H7284-009
H7284-009-0 -
HumanaChoice R5826-005
R5826-005-0 -
HumanaChoice R5826-018
R5826-018-0 -
HumanaChoice R5826-074
R5826-074-0
-
AARP Medicare Advantage from UHC FL-0008
- Total Standard Medicare Advantage Enrollment
- 13283
2026 Medicare Advantage Plans in Bay County, FL
Last update: .
Bay County, FL has 23 Medicare Advantage plans available in 2026. These include 18 plans with no monthly premium, and roughly 35% are rated at least 4 stars based on CMS data.
Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Bay County, FL. Or explore all Medicare Options available in Bay County, FL.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.
- Total PPO Plans 17
- Average Monthly Premium $28.22/mo
- Total PPO Enrollment 10,701
- $0 Premium PPO Plans 12
- Average MOOP $7,362
- Top PPO by Enrollment Humana Full Access Giveback H5216-393 (PPO) — 3,398 enrollees
- PPO Plans Without Drug Coverage 7
What is the most popular PPO plan in Bay?
Humana Full Access Giveback H5216-393 (PPO) is the top PPO in Bay, with 3,398 enrollees.
What is the number of PPO plans without Part D coverage in Bay?
There are 7 PPO plans in Bay without prescription drug coverage.
Medicare Advantage HMO Plans
HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.
- Total HMO Plans
- 5
- Average Monthly Premium
- $0.00/mo
- Total HMO Enrollment
- 1,075
- $0 Premium HMO Plans
- 5
- Average MOOP
- $5,600
- Top HMO by Enrollment
- Humana Total Complete H1036-143 (HMO) — 569 enrollees
- HMO Plans Without Drug Coverage
- 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Humana Total Complete H1036-143 | $0 | $4,300 | $615 | H1036-143-0 | |
| Humana USAA Honor Giveback | $0 | $6,700 | N/A | H1036-290-0 | |
| BlueMedicare Classic | $0 | $6,750 | $615 | H1035-019-0 | |
| HealthSpring Courage | $0 | $5,500 | N/A | H5410-004-0 | |
| HealthSpring Preferred | $0 | $4,750 | $0 | H5410-018-0 |
What is the typical premium for HMO plans in Bay?
HMO plans in Bay cost $0.00 per month on average.
Which HMO plan do most beneficiaries choose in Bay?
The most popular HMO plan in Bay is Humana Total Complete H1036-143 (HMO), with 569 enrollees.
How many HMO options are offered without prescription drug coverage in Bay?
There are 2 HMO plans in Bay without prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.
- Total HMO-POS Plans 1
- Average Monthly Premium $0.00/mo
- Total HMO-POS Enrollment 1,507
- $0 Premium HMO-POS Plans 1
- Average MOOP $3,900
- Top HMO-POS by Enrollment AARP Medicare Advantage from UHC FL-0008 (HMO-POS) — 1,507 enrollees
- HMO-POS Plans Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC FL-0008 | $0 | $3,900 | $270 | H1045-031-0 |
What is the total number of HMO-POS plans in Bay?
In 2026, Bay has 1 HMO-POS plans with 1,507 enrollees.
How much do HMO-POS plans cost in Bay?
The typical HMO-POS premium in Bay is $0.00, and 1 plans have no monthly premium.
Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Bay County, FL for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 8 | 35% |
| 3 Stars | 15 | 65% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.78 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
- CMS.gov, Medicare Part C & D Performance Data — Version: 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08
County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.
Data sources and methodology documentation .
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025
MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.
Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.