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  1. 🏠
  2. Medicare Advantage Plans
  3. Florida
  4. Madison County

2026 Medicare Advantage Plans in Madison County, FL

Last update: September 3, 2026.

Madison County, FL has 21 Medicare Advantage plans available in 2026. These include 14 plans with no monthly premium, and roughly 43% 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 Madison County, FL. Or explore all Medicare Options available in Madison County, FL.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

Average Monthly Premium: $24.49/mo
$0 Premium Plans: 14
Average MOOP: $6,714 ($9,250 max. in 2026)
Star Ratings (Plan Mix): 4+ Stars: 43% · 3 Stars: 57% · Below 3: 0%
Average Part D Deductible: $478.21
Total MA/MAPD Enrollment: 1,885
Plans with the Highest Enrollment
(as of September 8, 2026)
1. Humana Full Access Giveback H5216-393 (PPO) — 569 enrollees
2. AARP Medicare Advantage from UHC FL-0011 (HMO-POS) — 387 enrollees
3. AARP Medicare Advantage from UHC FL-0016 (PPO) — 347 enrollees

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 16
  • Average Monthly Premium $24.01/mo
  • Total PPO Enrollment 1,464
  • $0 Premium PPO Plans 11
  • Average MOOP $7,244
  • Top PPO by Enrollment Humana Full Access Giveback H5216-393 (PPO) — 569 enrollees
  • PPO Plans Without Drug Coverage 7

Comparison table of 2026 PPO Medicare Advantage Plans available in Madison County, Florida
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Full Access Giveback H7617-111
☆☆☆☆☆
$0 $6,750 $600 H7617-111-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A H7617-108-0
AARP Medicare Advantage from UHC FL-0016
☆☆☆☆☆
$0 $6,700 $600 H2406-008-0
AARP Medicare Advantage Patriot No Rx FL-MA2
☆☆☆☆☆
$0 $8,900 N/A H2406-130-0
AARP Medicare Advantage from UHC FL-0031
☆☆☆☆☆
$62 $9,250 $600 R0759-001-0
AARP Medicare Advantage Patriot No Rx FL-MA01
☆☆☆☆☆
$0 $9,250 N/A R0759-002-0
BlueMedicare Patriot
☆☆☆☆☆
$0 $6,750 N/A H5434-046-0
BlueMedicare Select
☆☆☆☆☆
$58 $6,750 $615 H5434-045-0
Humana Full Access Giveback H5216-393
☆☆☆☆☆
$0 $6,750 $600 H5216-393-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A H5216-467-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,000 N/A H5216-257-0
Humana Value Choice H5216-070
☆☆☆☆☆
$0 $6,750 $615 H5216-070-0
HumanaChoice Florida H7284-009
☆☆☆☆☆
$39 $6,750 $615 H7284-009-0
HumanaChoice R5826-005
☆☆☆☆☆
$184 $6,700 $615 R5826-005-0
HumanaChoice R5826-018
☆☆☆☆☆
$0 $7,550 N/A R5826-018-0
HumanaChoice R5826-074
☆☆☆☆☆
$41 $7,550 $615 R5826-074-0
What is the most popular PPO plan in Madison?

Humana Full Access Giveback H5216-393 (PPO) is the top PPO in Madison, with 569 enrollees.

What is the number of PPO plans without Part D coverage in Madison?

There are 7 PPO plans in Madison 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
4
Average Monthly Premium
$32.50/mo
Total HMO Enrollment
34
$0 Premium HMO Plans
2
Average MOOP
$5,300
Top HMO by Enrollment
Capital Health Plan Silver Advantage (HMO) — 20 enrollees
HMO Plans Without Drug Coverage
0

Comparison table of 2026 HMO Medicare Advantage Plans available in Madison County, Florida
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Capital Health Plan Advantage Plus
☆☆☆☆☆
$34 $4,500 $250 H5938-001-0
Capital Health Plan Giveback Advantage
☆☆☆☆☆
$0 $6,700 $250 H5938-009-0
Capital Health Plan Preferred Advantage
☆☆☆☆☆
$96 $4,500 $200 H5938-006-0
Capital Health Plan Silver Advantage
☆☆☆☆☆
$0 $5,500 $250 H5938-008-0

What is the typical premium for HMO plans in Madison?

HMO plans in Madison cost $32.50 per month on average.

Which HMO plan do most beneficiaries choose in Madison?

The most popular HMO plan in Madison is Capital Health Plan Silver Advantage (HMO), with 20 enrollees.

How many HMO options are offered without prescription drug coverage in Madison?

There are 0 HMO plans in Madison 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 387
  • $0 Premium HMO-POS Plans 1
  • Average MOOP $3,900
  • Top HMO-POS by Enrollment AARP Medicare Advantage from UHC FL-0011 (HMO-POS) — 387 enrollees
  • HMO-POS Plans Without Drug Coverage 0

Comparison table of 2026 HMO-POS Medicare Advantage Plans available in Madison County, Florida
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC FL-0011
☆☆☆☆☆
$0 $3,900 $270 H1045-041-0
What is the total number of HMO-POS plans in Madison?

In 2026, Madison has 1 HMO-POS plans with 387 enrollees.

How much do HMO-POS plans cost in Madison?

The typical HMO-POS premium in Madison is $0.00, and 1 plans have no monthly premium.

Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Madison County, FL for 2026.

CMS Star Ratings for Medicare Advantage Plans in Madison County, FL (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 9 43%
3 Stars 12 57%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.88

* 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.

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