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  1. 🏠
  2. Medicare Advantage Plans
  3. Florida
  4. Saint Lucie County

2027 Medicare Advantage Plans in Saint Lucie County, FL

Last update: October 4, 2026.

In Saint Lucie County, FL, there are 35 Medicare Advantage plans available for 2027. Of these, 32 offer a $0 monthly premium, and about 83% are rated 4 stars or higher based on CMS quality ratings.

  • 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
$9.23/mo
Plans with $0 Premium
32
Average MOOP Limit
$5,939 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 83% · 3 Stars: 17% · Below 3: 0%
Average Part D Deductible
$521.89
Total MA/MAPD Enrollment
35,540
Plans with the Highest Enrollment
(as of October 5, 2026)
1. HumanaChoice Giveback H5216-311 (PPO) — 11,197 enrollees
2. AARP Medicare Advantage from UHC FL-0025 (PPO) — 4,017 enrollees
3. HumanaChoice Florida H5216-062 (PPO) — 3,738 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Saint Lucie County, FL. Or explore all Medicare Options available in Saint Lucie County, FL. To understand how local plans fit into the broader market, visit our Florida Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.

Total PPO Plans
18
Average Monthly Premium
$17.94/mo
Total PPO Enrollment
25,305
$0 Premium PPO Plans
15
Average MOOP
$7,331
Top PPO by Enrollment
HumanaChoice Giveback H5216-311 (PPO) — 11,197 enrollees
PPO Plans Without Drug Coverage
7

PPO Medicare Advantage plan comparison – Saint Lucie County, Florida, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A H7617-108-0
HumanaChoice Giveback H7617-110
☆☆☆☆☆
$0 $7,150 $700 H7617-110-0
HumanaChoice Giveback H7617-145
☆☆☆☆☆
$0 $7,150 $700 H7617-145-0
AARP Medicare Advantage from UHC FL-0025
☆☆☆☆☆
$0 $7,150 $685 H2406-017-0
AARP Medicare Advantage Patriot No Rx FL-MA2
☆☆☆☆☆
$0 $8,900 N/A H2406-130-0
Aetna Medicare Eagle Giveback
☆☆☆☆☆
$0 $7,150 N/A H5521-306-0
DEVOTED CHOICE GIVEBACK 008 FL
☆☆☆☆☆
$0 $9,850 $461 H9884-008-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,900 N/A H5216-256-0
HumanaChoice Florida H5216-062
☆☆☆☆☆
$0 $4,450 $700 H5216-062-0
HumanaChoice Florida H5216-472
☆☆☆☆☆
$0 $4,450 $700 H5216-472-0
HumanaChoice Giveback H5216-311
☆☆☆☆☆
$0 $7,150 $700 H5216-311-0
HumanaChoice R5826-005
☆☆☆☆☆
$161 $6,700 $700 R5826-005-0
HumanaChoice R5826-018
☆☆☆☆☆
$0 $7,550 N/A R5826-018-0
HumanaChoice R5826-074
☆☆☆☆☆
$35 $7,550 $700 R5826-074-0
AARP Medicare Advantage from UHC FL-0031
☆☆☆☆☆
$127 $9,850 $685 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 H5434-044-0
BlueMedicare Value
☆☆☆☆☆
$0 $9,250 $700 H5434-026-0
What is the total number of PPO plans offered in Saint Lucie?

Saint Lucie County has 18 PPO plans for 2027, with 25,305 enrolled.

How much do PPO plans cost in Saint Lucie?

The typical PPO premium in Saint Lucie is $17.94, and 15 plans have no monthly premium.

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
13
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
5,614
$0 Premium HMO Plans
13
Average MOOP
$4,492
Top HMO by Enrollment
Humana Gold Plus Reach H1036-229 (HMO) — 1,480 enrollees
HMO Plans Without Drug Coverage
1

HMO Medicare Advantage plan comparison – Saint Lucie County, Florida, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
DEVOTED CORE 046 FL
☆☆☆☆☆
$0 $4,950 $650 H1290-046-0
DEVOTED CORE 066 FL
☆☆☆☆☆
$0 $4,700 $650 H1290-066-0
DEVOTED GIVEBACK 045 FL
☆☆☆☆☆
$0 $7,700 $650 H1290-045-0
DEVOTED GIVEBACK EXTRAS 116 FL
☆☆☆☆☆
$0 $5,700 $700 H1290-116-0
Humana Gold Plus Reach Giveback H1036-286
☆☆☆☆☆
$0 $5,500 $0 H1036-286-0
Humana Gold Plus Reach H1036-229
☆☆☆☆☆
$0 $3,800 $700 H1036-229-0
Aetna Medicare Select
☆☆☆☆☆
$0 $3,900 $200 H1609-021-0
Aetna Medicare Select
☆☆☆☆☆
$0 $3,900 $200 H1609-063-0
Freedom Platinum Plan Rx
☆☆☆☆☆
$0 $1,750 $0 H5427-088-0
Freedom Platinum Rewards Plan Rx
☆☆☆☆☆
$0 $3,400 $0 H5427-106-0
Freedom Savings Plan
☆☆☆☆☆
$0 $4,450 N/A H5427-052-0
BlueMedicare Classic
☆☆☆☆☆
$0 $6,750 $700 H1035-019-0
Premier by Ultimate
☆☆☆☆☆
$0 $1,900 $0 H2962-001-0
What is the average monthly premium for HMO plans?
HMO plans in Saint Lucie cost $0.00 per month on average.
Which HMO plan is most popular in Saint Lucie?
The most popular HMO plan in Saint Lucie is Humana Gold Plus Reach H1036-229 (HMO), with 1,480 enrollees.
How many HMO plans in Saint Lucie do not include drug coverage?
There are 1 HMO plans in Saint Lucie 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 4
  • Average Monthly Premium $0.00/mo
  • Total HMO-POS Enrollment 4,621
  • $0 Premium HMO-POS Plans 4
  • Average MOOP $4,375
  • Top HMO-POS by Enrollment AARP Medicare Advantage from UHC FL-0006 (HMO-POS) — 2,067 enrollees
  • HMO-POS Plans Without Drug Coverage 0

HMO-POS Medicare Advantage plan comparison – Saint Lucie County, Florida, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC FL-0006
☆☆☆☆☆
$0 $3,800 $405 H1045-028-0
AARP Medicare Advantage from UHC FL-001P
☆☆☆☆☆
$0 $3,500 $405 H1045-036-0
Wellcare Giveback
☆☆☆☆☆
$0 $7,200 $700 H1032-210-0
Wellcare Simple
☆☆☆☆☆
$0 $3,000 $700 H1032-211-0
What is the total number of HMO-POS plans in Saint Lucie?

There are 4 HMO-POS plans in 2027, covering 4,621 enrollees.

How much do HMO-POS plans cost in Saint Lucie?

The average HMO-POS premium in Saint Lucie is $0.00 per month, with 4 plans offering $0 premiums.

What is the leading HMO-POS plan in Saint Lucie?

AARP Medicare Advantage from UHC FL-0006 (HMO-POS) is the top HMO-POS in Saint Lucie, with 2,067 enrollees.

What is the number of HMO-POS plans without Part D coverage in Saint Lucie?

0 HMO-POS plans in Saint Lucie do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Saint Lucie County, FL for 2027.

CMS Star Ratings for Medicare Advantage Plans in Saint Lucie County, FL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 29 83%
3 Stars 6 17%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 4.01

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Saint Lucie County, Florida, including communities such as Fort Pierce, Port Saint Lucie, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202609
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-09

This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.

Data sources and methodology documentation .

  • Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
  • AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — 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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