Navigating the Medicare Advantage landscape can be challenging but understanding the plans available and the companies offering them can simplify the process. For 2025, Miami-Dade County has a wide variety of plans grouped by company, each with unique attributes and benefits. Here’s a breakdown by company, including the plans offered, their features, and some historical context about each provider.
1. Leon Health
Leon Health is a Miami-based Medicare Advantage provider known for its tailored plans that cater to the diverse needs of South Florida residents. The company has consistently prioritized low premiums and comprehensive benefits.
Plans Offered:
- Leon MediExtra (HMO)
- 5 out of 5-star rating for 2025.
- $0 monthly premium.
- $0 copays for primary care and specialist visits.
- $1,000 out-of-pocket maximum.
- Additional benefits: dental, vision, hearing, transportation for non-emergency medical appointments, fitness programs, worldwide emergency coverage, and telehealth services.
- Leon MediMore (HMO)
- $0 monthly premium.
- Offers comprehensive coverage with a focus on affordability.
- Leon MediPlus (HMO)
- $0 monthly premium.
- Enhanced benefits for those seeking expanded coverage.
2. AvMed
AvMed has been serving Florida residents for over 50 years, offering a range of health plans designed to meet various needs. They’re known for their member-focused approach and commitment to local communities.
Plans Offered:
- AvMed Medicare One (HMO)
- $0 monthly premium.
- $0 copays for primary care and specialist visits.
- $1,000 annual out-of-pocket maximum.
- Additional benefits: $450 eyewear allowance and no referrals required for specialists.
- AvMed Medicare Circle (HMO)
- $0 monthly premium.
- Comprehensive coverage with extra perks.
- AvMed Medicare Choice (HMO)
- Competitive premiums with expanded coverage options.
- AvMed Medicare Access (HMO)
- Premium options that balance affordability and benefits.
3. Aetna
Aetna, a subsidiary of CVS Health, has a long history of providing health insurance since 1853. Known for innovation and member satisfaction, Aetna continues to offer a variety of plans that cater to individual needs.
Plans Offered:
- Multiple Medicare Advantage plans with both HMO and PPO options.
- Plans typically include:
- Prescription drug coverage.
- Dental, vision, and hearing services.
- $0 premium options for select plans.
4. Preferred Care Partners
Preferred Care Partners, a UnitedHealthcare company, specializes in Medicare Advantage plans that combine robust benefits with local expertise.
Plans Offered:
- Comprehensive Medicare Advantage plans with prescription drug coverage.
- Additional benefits: dental, vision, and hearing services.
- Competitive premiums, including $0 premium options.
5. Humana
Founded in 1961, Humana has grown into one of the largest health insurance providers in the United States. With a mission to improve community health, Humana’s Medicare Advantage plans emphasize accessibility and value.
Plans Offered:
- Various HMO and PPO plans.
- Star Ratings: Plans range from 3.5 to 4 stars.
- Features include:
- $0 premium options.
- Prescription drug coverage.
- Dental, vision, and hearing benefits.
Note: Humana’s largest Medicare Advantage plan has been downgraded from a 4.5-star to a 3.5-star rating for 2025. This is a significant change and underscores the importance of reviewing updated ratings before making a decision.
6. Devoted Health
Devoted Health, established in 2017, is a newer Medicare Advantage provider focused on simplifying healthcare for seniors. Their plans aim to combine affordability with high-quality care.
Plans Offered:
- Multiple HMO plans with 4.5-star ratings.
- Features include:
- $0 monthly premiums.
- Comprehensive benefits, including dental, vision, and hearing services.
7. UnitedHealthcare (UHC)
UnitedHealthcare, part of UnitedHealth Group, is a leader in the health insurance industry with decades of experience. UHC’s plans are known for their wide provider networks and strong member support.
Plans Offered:
- A variety of HMO and PPO plans.
- Star Ratings: Plans range from 3.5 to 4.5 stars.
- Features include:
- $0 premium options.
- Prescription drug coverage.
- Extensive additional benefits: dental, vision, hearing, and fitness programs.
8. Wellcare
Wellcare, part of Centene Corporation, has been serving Medicare beneficiaries for over 30 years. The company focuses on delivering quality care and affordable plans.
Plans Offered:
- Multiple HMO plans.
- Star Ratings: Plans have received 3.5 stars.
- Features include:
- $0 monthly premiums.
- Comprehensive benefits, including dental, vision, and hearing coverage.
Additional Changes for 2025
Medicare beneficiaries in 2025 will also see a $2,000 annual cap on out-of-pocket drug costs. This change aims to provide greater financial predictability and ease the burden of high prescription costs. Beneficiaries should consider this significant enhancement when evaluating their options.
Conclusion
With such a diverse range of Medicare Advantage plans available for 2025, Miami-Dade residents can find options tailored to their healthcare needs and budgets. Companies like Leon Health and AvMed emphasize localized care, while national players such as Humana and UnitedHealthcare offer extensive networks and robust benefits. By reviewing plan attributes and understanding the historical context of these providers, beneficiaries can make informed decisions for their healthcare in the upcoming year.
Call our licensed Medicare agent today at 305-878-4154, and one of our agents will reach out to you as soon as possible.