Medicare Advantage new 2026 PPO Plans for Southwest Florida
How PPO Plans Work
A Medicare PPO Plan is a type of Medicare Advantage Plan (Part C)offered by a private insurance company. In a PPO Plan, you pay less if you use doctors, hospitals, and other health care providers that belong to the plan's network . You pay more if you use doctors, hospitals, and providers outside of the network.
Click on any plan to view the Summary of Benefits for each plan.
HumanaChoice Florida (PPO)
Monthly premium $0.00
This plan features a low Maximum out-of-pocket limit of $4,700 in-network, Inpatient hospital coverage $425 copay per day for days 1-4, a $0 Rx deductible for Tier 1, Tier 2 and Tier 3 otherswise a $615 Rx deductible for Tier 4 and Tier 5.
A $1,000 dental allowance every year for non-Medicare covered preventive and comprehensive dental services. PPO discounts available using the Humana Florida GoldPlus dental network. A $0 copay for an annual routine eye exam up to $75 with a $150 annual eyewear allowance with in-network providers otherwise a $75 maximum benefit. An over-the-counter (OTC) mail order $50 quarterly allowance. Unused amount rolls over to the next quarter and expires at the end of the year.
Humana Full Access Giveback
Monthly premium $0.00
This plan features a $170.00 reduction of your Medicare Part B premium, up to a $1,000 dental allowance every year for non-Medicare covered preventive dental services. PPO discounts available using the Humana Florida GoldPlus dental network. A $0 copay annual routine eye exam up to $75 with a $100 annual eyewear allowance with in-network PLUS providers otherwise a $50 maximum benefit.
Monthly premium $0.00
Humana USAA honor Giveback (No Rx coverage)
This plan features a $185.00 reduction of your Medicare Part B premium, up to a $4,000 dental combined maximum benefit coverage per year for all diagnosic/preventive and comprehensive benefits.
Aetna Medicare Signature PPO H5521-710-000
Monthly premium $0.00
This plan features an out-of-pocket limit in-network of $6,750, $0 copay for your in-network primary care physician, a $0 copay for preventive dental serivces in-network. Out-of-network dental charges covered at 50% coinsurance, you may have to pay your cost share at the time of service and submit a request for reimbursement. An annual routine eye exam with a $0 copay and a $170 eyewear reimbursement using iCare in-network providers. Hearing aids must be purchased through NationsHearing. The copay amount is based on the level of hearing aid selected and will need to be paid at the time of purchase.
AARP Medicare Advantage from UHC FL-0017 (PPO)
Monthly premium $0.00
This plan features a maximum out-of-pocket limit in-network of $6,700, hearing exam in-network for $0 with a hearing aid copay of $199 to $1,249 for a broad selection of OTC and brand-name hearing aids. $0 copay for In-network covered Routine preventive Dental services, out-of-network covered at 40% . An eye exam with a $0 copay using network providers. The plan pays up to $300 every 2 years toward your purchase of 1 pair of frames or contact lenses from UnitedHealthcare Vision network.
Health Maintenance Organization (HMO) Plan
In most HMO Plans, you can only go to doctors, other health care providers, or hospitals on the plan's list except in an emergency. You may also need to get a referral from your primary care doctor. Find and compare HMO Plans in your area.
How Medicare SNPs work
Medicare SNPs are a type of Medicare Advantage Plan (like an HMO or PPO). Medicare SNPs limit membership to people with specific diseases or characteristics, and tailor their benefits, provider choices, and drug formularies to best meet the specific needs of the groups they serve.
UHC Dual Complete FL-Y4 (PPO D-SNP)
Special eligibility requirement Special eligibility requirement4
Must be eligible for Medicare and have Full or Partial Medicaid coverage in one of the following categories in FL: FBDE, QDWI, QI, QMB, QMB PLUS, SLMB, SLMB PLUS.
This plan features $0 copays for in-network health care providers. A $2,000 dental allowance for preventive and comprehensive services, Routine eyewear $0 copay, $250 credit every year for lenses and frames or contacts.
Food, over-the-counter (OTC) and utility bill credit. $222 credit every month to pay for covered healthy food, OTC products and utility bills from network utility companies.
"This list is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult www.medicare.gov (TTY users should call 1-877-486-2048). Hours of operation are 24 hours a day, 7 days a week."
How PFFS Plans Work
A Medicare PFFS Plan is a type of Medicare Advantage Plan (Part C) offered by a private insurance company. PFFS plans aren’t the same as Original Medicare or Medigap. The plan determines how much it will pay doctors, other health care providers, and hospitals, and how much you must pay when you get care.
These definitions are directly from www.medicare.gov
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