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

2026 Medicare Advantage Plans in Saint Lucie County, FL

Last update: September 2, 2026.

For 2026, Saint Lucie County, FL includes 44 Medicare Advantage plans. Enrollment across these plans totals approximately 38,067, with 39 $0 premium options and 70% rated 4 stars or higher.

Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Saint Lucie County, FL are provided separately. Or you can discover all Medicare Options in Saint Lucie 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: $11.70/mo
  • $0 Premium Plans: 39
  • Average MOOP: $5,922 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 70% · 3 Stars: 30% · Below 3: 0%
  • Average Part D Deductible: $474.71
  • Total MA/MAPD Enrollment: 38,067
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. Humana Full Access Giveback H5216-311 (PPO) — 11,294 enrollees
    2. AARP Medicare Advantage from UHC FL-0025 (PPO) — 4,002 enrollees
    3. HumanaChoice Florida H5216-062 (PPO) — 3,750 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.

Total PPO Plans
23
Average Monthly Premium
$22.38/mo
Total PPO Enrollment
27,406
$0 Premium PPO Plans
18
Average MOOP
$7,057
Top PPO by Enrollment
Humana Full Access Giveback H5216-311 (PPO) — 11,294 enrollees
PPO Plans Without Drug Coverage
8

2026 PPO Medicare Advantage plans in Saint Lucie County, Florida (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Aetna Medicare Eagle Giveback
☆☆☆☆☆
$0 $6,750 N/A H5521-306-0
Aetna Medicare Premier
☆☆☆☆☆
$74 $6,750 $615 H5521-688-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $5,900 $615 H5521-432-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $615 H5521-033-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,350 $615 H5521-273-0
Aetna Medicare Signature Extra
☆☆☆☆☆
$0 $6,750 $615 H5521-704-0
DEVOTED CHOICE GIVEBACK 008 FL
☆☆☆☆☆
$0 $9,250 $605 H9884-008-0
Humana Full Access Giveback H7617-110
☆☆☆☆☆
$0 $6,700 $600 H7617-110-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A H7617-108-0
AARP Medicare Advantage from UHC FL-0025
☆☆☆☆☆
$0 $5,900 $520 H2406-017-0
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 H5434-044-0
BlueMedicare Select
☆☆☆☆☆
$154 $6,750 $615 H5434-002-0
BlueMedicare Value
☆☆☆☆☆
$0 $9,250 $615 H5434-026-0
Humana Full Access Giveback H5216-311
☆☆☆☆☆
$0 $6,700 $600 H5216-311-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A H5216-467-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,900 N/A H5216-256-0
HumanaChoice Florida H5216-062
☆☆☆☆☆
$0 $4,150 $615 H5216-062-0
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 typical premium for PPO plans available in Saint Lucie?

PPO plans in Saint Lucie cost $22.38 per month on average.

Which PPO plan do most beneficiaries choose in Saint Lucie?

The most popular PPO plan in Saint Lucie is Humana Full Access Giveback H5216-311 (PPO), with 11,294 enrollees.

How many PPO options are offered without drug coverage in Saint Lucie?

8 PPO plans in Saint Lucie do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.

  • Total HMO Plans 17
  • Average Monthly Premium $0.00/mo
  • Total HMO Enrollment 7,200
  • $0 Premium HMO Plans 17
  • Average MOOP $4,535
  • Top HMO by Enrollment Humana Gold Plus H1036-229 (HMO) — 1,492 enrollees
  • HMO Plans Without Drug Coverage 2

2026 HMO Medicare Advantage plans in Saint Lucie County, Florida (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
DEVOTED CORE 046 FL
☆☆☆☆☆
$0 $4,900 $615 H1290-046-0
DEVOTED CORE 066 FL
☆☆☆☆☆
$0 $4,900 $0 H1290-066-0
DEVOTED GIVEBACK 045 FL
☆☆☆☆☆
$0 $6,750 $605 H1290-045-0
Aetna Medicare Select
☆☆☆☆☆
$0 $3,300 $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 $4,200 N/A H5427-052-0
Humana Gold Plus Giveback H1036-286
☆☆☆☆☆
$0 $5,500 $0 H1036-286-0
Humana Gold Plus H1036-229
☆☆☆☆☆
$0 $3,800 $615 H1036-229-0
BlueMedicare Classic
☆☆☆☆☆
$0 $6,750 $615 H1035-019-0
BlueMedicare Premier
☆☆☆☆☆
$0 $4,200 $615 H1035-048-0
Premier by Ultimate
☆☆☆☆☆
$0 $1,900 $0 H2962-001-0
Wellcare Giveback
☆☆☆☆☆
$0 $7,200 $615 H1032-210-0
Wellcare Patriot Giveback
☆☆☆☆☆
$0 $5,000 N/A H1032-239-0
Wellcare Simple
☆☆☆☆☆
$0 $2,900 $615 H1032-211-0
HealthSpring Preferred
☆☆☆☆☆
$0 $6,750 $615 H5410-060-0
What is the total number of HMO plans offered in Saint Lucie?

In 2026, Saint Lucie County has 17 HMO plans with 7,200 enrollees.

How much do HMO plans cost in Saint Lucie?

The typical HMO premium in Saint Lucie is $0.00, and 17 plans have no monthly premium.

Medicare Advantage HMO-POS Plans

HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.

Total HMO-POS Plans
4
Average Monthly Premium
$0.00/mo
Total HMO-POS Enrollment
3,461
$0 Premium HMO-POS Plans
4
Average MOOP
$5,288
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC FL-0006 (HMO-POS) — 2,058 enrollees
HMO-POS Plans Without Drug Coverage
0

2026 HMO-POS Medicare Advantage plans in Saint Lucie County, Florida (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. 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 average monthly premium for HMO-POS plans?
HMO-POS plans in Saint Lucie cost $0.00 per month on average.
Which HMO-POS plan is most popular in Saint Lucie?
The most popular HMO-POS plan in Saint Lucie is AARP Medicare Advantage from UHC FL-0006 (HMO-POS), with 2,058 enrollees.
How many HMO-POS plans in Saint Lucie do not include drug coverage?
There are 0 HMO-POS plans in Saint Lucie without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Saint Lucie County, FL (2026) are summarized below.

Quality Ratings for Medicare Advantage Plans in Saint Lucie County, FL (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

* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.

  • 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

All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.

Data sources and methodology documentation .

  • Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
  • NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — 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 is documented in accordance 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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