2026 Medicare Advantage Plans in Saint Lucie County, FL
Last update: . Enrollment data updated: June 13, 2026
In Saint Lucie County, FL, there are 44 Medicare Advantage plans available for 2026. Of these, 39 offer a $0 monthly premium, and about 70% are rated 4 stars or higher based on CMS quality ratings.
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.
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 23
- Average Monthly Premium $22.38/mo
- Total PPO Enrollment 27,606
- $0 Premium PPO Plans 18
- Average MOOP $7,057
- Top PPO by Enrollment Humana Full Access Giveback H5216-311 (PPO) — 11,552 enrollees
- PPO Plans Without Drug Coverage 8
What is the total number of PPO plans offered in Saint Lucie?
There are 23 PPO plans in 2026, covering 27,606 beneficiaries.
How much do PPO plans cost in Saint Lucie?
The average PPO premium in Saint Lucie is $22.38 per month, with 18 plans offering $0 premiums.
What is the most popular PPO plan in Saint Lucie?
Humana Full Access Giveback H5216-311 (PPO) is the top PPO in Saint Lucie, with 11,552 enrollees.
What is the number of PPO plans without Part D coverage in Saint Lucie?
There are 8 PPO plans in Saint Lucie 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
- 17
- Average Monthly Premium
- $0.00/mo
- Total HMO Enrollment
- 7,102
- $0 Premium HMO Plans
- 17
- Average MOOP
- $4,535
- Top HMO by Enrollment
- Humana Gold Plus H1036-229 (HMO) — 1,533 enrollees
- HMO Plans Without Drug Coverage
- 2
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 H1036-229 (HMO), with 1,533 enrollees.
How many HMO plans in Saint Lucie do not include drug coverage?
There are 2 HMO plans in Saint Lucie without prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans combine HMO network rules with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage CareFlex from UHC FL-35 | $0 | $6,700 | $600 | H1045-060-0 | |
| AARP Medicare Advantage from UHC FL-0006 | $0 | $3,800 | $270 | H1045-028-0 | |
| AARP Medicare Advantage from UHC FL-001P | $0 | $3,900 | $270 | H1045-036-0 | |
| Aetna Medicare Select Extra | $0 | $6,750 | $615 | H1609-028-0 |
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 2,026 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 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | 3 | 7% |
| 4 Stars (includes 5 Stars) | 31 | 70% |
| 3 Stars | 13 | 30% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 4.15 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed June 13, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed June 13, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed June 13, 2026
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 .
- Medicare.gov, "Compare types of Medicare Advantage Plans" — 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
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