Florida Blue Medicare Advantage Plans 2027: Costs, Coverage and Star Ratings

A defined network with a primary care doctor coordinating your care and providing specialist referrals. Lowest premiums and copays of the three, and the plan type where Florida Blue’s ratings are strongest — its HMO earned 4 stars for 2026.

Florida only, and county by county within that. Florida Blue does not sell Medicare Advantage outside the state, and availability varies between Florida counties. Being a Florida resident is necessary but not sufficient — check your own ZIP code. If you are comparing every option available where you live, start with our guide to Medicare Advantage plans in Florida.

1Which plan type is it? HMO, PPO or HMO-POS changes your referral rules, your out-of-network access and your costs. Two plans can both say BlueMedicare and work completely differently.

2The star rating on that specific contract. Not the carrier average. Given a 3.72 weighted average and a 4-star HMO, the spread between Florida Blue’s best and worst plans is wide enough to matter.

3Your doctors and your hospital. Look each one up against the 2027 directory for the plan you are considering, then confirm with the practice directly. Networks are renegotiated every year even on plans that otherwise continue unchanged.

4Your medications. Run every prescription against the plan’s 2027 formulary, noting the tier and whether it requires prior authorization. Part D out-of-pocket costs are capped at $2,400 in 2027 either way, but which tier your drugs land on decides how fast you get there.

5The out-of-pocket maximum, not the premium. On a PPO check both limits — the in-network ceiling and the combined one that counts out-of-network care. The second is the number that decides what a genuinely bad year costs you, and it is the one most people never look at.

Whichever way you lean, the timing matters as much as the plan. Annual Enrollment runs October 15 through December 7, 2026, and if you are already in a Medicare Advantage plan you have a second window in the new year — our guide to the Medicare Advantage Open Enrollment Period covers every window and what each one allows. For the wider comparison across carriers, start with Medicare Advantage plans for 2027.

➤  What is Florida Blue Medicare Advantage?

Florida Blue is Blue Cross and Blue Shield of Florida, and it sells Medicare Advantage plans under the BlueMedicare brand. It covers about 111,000 Medicare Advantage members, all within Florida, across HMO, PPO and HMO-POS plan structures. It does not sell Medicare Advantage in any other state.

➤  Is Florida Blue the same as Blue Cross Blue Shield?

Florida Blue is the licensed Blue Cross and Blue Shield plan for Florida. Blue Cross Blue Shield is a federation of independent local companies rather than a single national insurer, so Florida Blue is a different organisation from the Blues plans in Texas, New York or anywhere else — with its own plans, networks and star ratings.

➤  What is BlueMedicare?

BlueMedicare is Florida Blue’s brand name for its Medicare Advantage plans. It is not one plan — the name covers HMO, PPO and HMO-POS plans with different networks, referral rules, costs and star ratings. Check which structure the specific BlueMedicare plan in front of you actually uses.

➤  What star rating does Florida Blue have?

Its enrollment-weighted average is 3.72 out of 5 under the 2026 star ratings, against an industry average of 4.02, with 44% of members in plans rated 4 stars or higher. Its HMO plan earned 4 stars for 2026. Ratings attach to the contract rather than the carrier, so check the rating on the specific plan you are considering. CMS publishes the 2027 ratings in October 2026.

➤  Does Florida Blue offer Medicare Advantage outside Florida?

No. Florida Blue sells Medicare Advantage in Florida only, and availability varies by county within the state. If you move out of its service area you would need to change plans, which opens a Special Enrollment Period of its own.

➤  What is the difference between BlueMedicare HMO and PPO?

The HMO uses a defined network with a primary care doctor coordinating referrals, and carries lower premiums and copays. The PPO allows out-of-network care at a higher cost share and generally does not require referrals, but costs more each month and has two annual spending limits — an in-network ceiling and a higher combined one covering out-of-network care.

➤  What is an HMO-POS plan?

An HMO with a point-of-service option, meaning it covers certain specified services outside the network rather than out-of-network care generally. It sits between an HMO and a PPO on both flexibility and cost. Read which services the POS benefit actually applies to before assuming it gives you broad out-of-network access, because it usually does not.

➤  Are Florida Blue plans good compared to other carriers?

On quality scores it sits mid-pack — better than Humana or Centene, below Aetna and UnitedHealthcare, with 44% of members in 4-plus star plans. Its advantages are local: an established Florida network and long-standing provider relationships. Whether that outweighs a higher-rated national carrier depends on which plans are actually available in your county and whether your doctors are in each network.

➤  Do Florida Blue Medicare Advantage plans include prescription drug coverage?

Most do, and Florida Blue also offers Medicare Advantage plans without drug coverage for people who have creditable coverage elsewhere. Confirm on the specific plan before enrolling. Part D out-of-pocket drug costs are capped at $2,400 in 2027, up from $2,100 in 2026.

➤  When can I enroll in a Florida Blue Medicare Advantage plan?

Annual Enrollment runs October 15 through December 7, 2026, for coverage beginning January 1, 2027. You can also enroll when you first become eligible for Medicare, during the Medicare Advantage Open Enrollment Period from January 1 to March 31 if you are already in an Advantage plan, or through a Special Enrollment Period if you qualify — including if you move into Florida Blue’s service area or your current plan is discontinued.