Palm Beach / Broward 2019 MAPD PLANS

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We were inspired to create this guide after seeing a similar (and much more beautifully designed) one that the Tampa Bay Times put out for the 2018 Medicare Advantage plan year. In the table below you will find a comprehensive list of the Medicare Advantage health plans with drug coverage available in the Palm Beach / Broward area for the 2019 plan year. Look below the chart for some helpful definitions and for information on what might not be included. If you want to learn more about any of these plans, give us a call, we’re happy to answer any questions you may have.


Plan Type Premium Part B Rebate Counties Drug Deductible Doctor Copay (Primary, Specialist) Hospital Copay Yearly Cost (Est.) Out-of-Pocket Cap Network Size Drug Costs (Initial Coverage)
MMM - Extra (H3293-003-0) HMO $0 $100 Broward, Palm Beach $0 $0, $30 $100 Days 1-5 $1,180 $3,400 501-1000 Tier 1: $0, Tier 2: $20, Tier 3: $47, Tier 4: $100, Tier 5: 33%
CarePlus CareFree HMO $0 $75 Broward, Palm Beach $100 $0, $25 $150 Days 1-8 $1,670 $3,400 2001-2500 Tier 1: $0, Tier 2: $0, Tier 3: $47, Tier 4: $97, Tier 5: 31%
Wellcare Dividend Prime (H1032-215-0) HMO $0 $95 Palm Beach $0 $0, $30 $225 Days 1-8 $1,780 $3,400 1001-1500 Tier 1: $0, Tier 2: $10, Tier 3: $45, Tier 4: $95, Tier 5: 33%
Humana Gold Plus (H1036-199-0) HMO $0 $75 Palm Beach $100 $0, $40 $225 Days 1-8 $1,900 $3,400 4001-4500 Tier 1: $6, Tier 2: $15, Tier 3: $47, Tier 4: $97, Tier 5: 31%
MMM - Elite (H3293-002-0) HMO $0 $0 Broward, Palm Beach $0 $0, $10 $0 $1,940 $3,400 501-1000 Tier 1: $0, Tier 2: $0, Tier 3: $20, Tier 4: $75, Tier 5: 33%
Simply More (H5471-083-0) HMO $0 $0 Palm Beach $0 $0, $10 $50 Days 1-8 $2,050 $6,700 11001-12000 Tier 1: $0, Tier 2: $0, Tier 3: $20, Tier 4: $75, Tier 5: 33%
CarePlus CareExtra (H1019-097-0) HMO $12 $0 Broward, Palm Beach $415 $0, $5 $50 Days 1-5 $2,100 $1,500 2001-2500 Tier 1: 24%, Tier 2: 24%, Tier 3: 24%, Tier 4: 24%, Tier 5: 25%
Devoted Health Prime Palm Beach (H190-008-0) HMO $30.30 $0 Palm Beach $415 $0, $0 $0 $2,190 $3,400 10001-11000 Tier 1: $0, Tier 2: $0, Tier 3: 25%, Tier 4: 25%, Tier 5: 25%
Humana Gold Plus (H1036-062-0) HMO $0 $0 Palm Beach $0 $0, $10 $50 Days 1-8 $2,230 $3,400 4001-4500 Tier 1: $0, Tier 2: $0, Tier 3: $20, Tier 4: $97, Tier 5: 33%
Simply Select (H5471-101-1) HMO $30.30 $0 Palm Beach $415 $0, $5 $0 $2,330 $6,700 11001-12000 Tier 1: $0, Tier 2: $0, Tier 3: 25%, Tier 4: 25%, Tier 5: 25%
Wellcare Dividend (H1032-187-2) HMO $0 $50 Broward, Palm Beach $0 $0, $30 $200 Days 1-5 $2,350 $6,700 13001-14000 Tier 1: $0, Tier 2: $0, Tier 3: $35, Tier 4: $75, Tier 5: 33%
Devoted Health Palm Beach (H1299-003-0) HMO $0 $0 Palm Beach $0 $0, $15 $150 Days 1-9 $2,390 $3,400 10001-11000 Tier 1: $0, Tier 2: $0, Tier 3: $47, Tier 4: $95, Tier 5: 33%
BlueMedicare Classic Plus HMO $0 $0 Palm Beach $0 $0, $20 $195 Days 1-8 $2,470 $3,400 10001-11000 Tier 1: $0, Tier 2: $3, Tier 3: $35, Tier 4: $93, Tier 5: 33%
Coventry Medicare Summit HMO $0 $0 Broward, Palm Beach $0 $0, $15 $150 Days 1-9 $2,470 $3,400 7001-7500 Tier 1: $0, Tier 2: $0, Tier 3: $47, Tier 4: $100, Tier 5: 33%
Wellcare Elite (H1032-216-0) HMO $0 $0 Palm Beach $0 $0, $15 $95 Days 1-7 $2,640 $3,400 1001-1500 Tier 1: $0, Tier 2: $0, Tier 3: $35, Tier 4: $75, Tier 5: 33%
Preferred Choice Palm Beach (H1045-037-0) HMO $0 $0 Palm Beach $0 $0, $20 $150 Days 1-9 $2,720 $6,700 2001-2500 Tier 1: $0, Tier 2: $10, Tier 3: $47, Tier 4: $100, Tier 5: 33%
Aetna Medicare Choice (H1609-028-0) HMO-POS $0 $0 Broward, Palm Beach $195 $0, $25 / $50 OON $350 Days 1-4 In Network / OON 50% per stay $2,820 $6,700 In Network / $10,000 OON 7501-8000 Tier 1: $0, Tier 2: $0, Tier 3: $47, Tier 4: $100, Tier 5: 29%
BlueMedicare Classic (H1035-018-0) HMO $0 $0 Palm Beach $0 $0, $40 $225 Days 1-8 $2,860 $5,500 20001+ Tier 1: $0, Tier 2: $3, Tier 3: $35, Tier 4: $93, Tier 5: 33%
Freedom Medicare Plan Rx (H5427-060-0) HMO $0 $0 Broward, Palm Beach $0 $0, $35 $50 Days 1-7 $2,920 $3,400 13001-14000 Tier 1: $0, Tier 2: $0, Tier 3: $35, Tier 4: $85, Tier 5: 33%
Allwell Medicare (H9276-021-0) HMO $0 $0 Palm Beach $0 $0, $40 $290 Days 1-7 $2,990 $6,700 20001+ Tier 1: $0, Tier 2: $0, Tier 3: $42, Tier 4: $100, Tier 5: 33%
Humana Choice Florida (H5216-068-0) PPO $0 $0 Broward, Palm Beach $150 $0, $35 / OON $65, $65 $250 Days 1-4 $3,010 $3,400 In Network / $5,100 OON 15001-16000 Tier 1: $2, Tier 2: $12, Tier 3: $47, Tier 4: $10, Tier 5: 30%
AARP Medicare Complete Choice PPO $0 $0 Broward, Palm Beach $150 $0, $35 / OON $45, $70 $295 Days 1-4 / OON 40% per stay $3,100 $6,700 In Network / $10,000 OON 20001+ Tier 1: $3, Tier 2: $12, Tier 3: $47, Tier 4: $100, Tier 5: 30%
Aetna Medicare Premier (H5521-033-0) PPO $0 $0 Broward, Palm Beach $295 $0, $50 / OON $50, $50 $395 Days 1-4 / OON 50% per stay $3,110 $6,700 In Network / $10,000 OON 9001-10000 Tier 1: $0, Tier 2: $0, Tier 3: $47, Tier 4: $100, Tier 5: 27%
Wellcare Premierc(H5199-012-0) PPO $0 $0 Palm Beach $100 $5, $35 / OON 40% per visit $300 Days 1-5 / OON 40% per stay $3,140 $6,000 In Network / OON $10,000 1001-1500 Tier 1: $0, Tier 2: $0, Tier 3: $47, Tier 4: $100, Tier 5: 31%
UnitedHealthcare Sync (H2406-020-0) PPO $14 $0 Palm Beach $150 $0, $35 / OON $45, $70 $295 Days 1-4 / OON 40% per stay $3,240 $6,700 In Network / $10,000 OON 20001+ Tier 1: $3, Tier 2: $12, Tier 3: $47, Tier 4: $100, Tier 5: 30%
AARP Medicare Complete Choice Plan 2 (R7444-003-0) PPO $0 $0 Broward, Palm Beach $395 $15, $50 / OOP $45, $70 $395 Days 1-4 / OON 40% per stay $3,480 $6,700 In Network / $10,000 OON 20001+ Tier 1: $3, Tier 2: $14, Tier 3: $47, Tier 4: $100, Tier 5: 25%
HumanaChoice (R5826-074-0) PPO $0 $0 Broward, Palm Beach $395 $15, $50 / OON $60, $60 $395 Days 1-4 / OON $495 Days 1-27 $3,530 $6,700 In Network / $10,000 OON 20001+ Tier 1: $6, Tier 2: $20, Tier 3: $47, Tier 4: $100, Tier 5: 25%
HumanaChoice (H5216-065-0) PPO $57 $0 Broward, Palm Beach $350 $0, $40 / OON $50, $50 $285 Days 1-7 / OON 50% per stay $3,540 $6,700 In Network / $10,000 OON 15001-16000 Tier 1: $5, Tier 2: $15, Tier 3: $47, Tier 4: $97, Tier 5: 26%
Wellcare Prime (H5199-010-0) PPO $40 $0 Palm Beach $0 $5, $35 / OON $5, $40-50 $275 Days 1-5 $3,560 $6,000 In Network / OON $10,000 1001-1500 Tier 1: $0, Tier 2: $5, Tier 3: $47, Tier 4: $100, Tier 5: 33%
BlueMedicare Choice (R3332-001-0) PPO $42 $0 Broward, Palm Beach $250 $10, $45 / OON 50% per visit $295 Days 1-5 / OON $495 Days 1-27 $3,880 $6,700 In Network / $10,000 OON 20001+ Tier 1: $0, Tier 2: $10, Tier 3: $47, Tier 4: $100, Tier 5: 28%
HumanaChoice (R5826-005-0) PPO $96 $0 Broward, Palm Beach $100 $5, $40 / OON $45, $45 $195 Days 1-7 / OON 40% per stay $4,120 $6,700 In Network / $10,000 OON 20001+ Tier 1: $5, Tier 2: $15, Tier 3: $45, Tier 4: $95, Tier 5: 31%
BlueMedicare Select (H5434-002-0) PPO $147.80 $0 Broward, Palm Beach $305 $5, $45 / OON 40% per visit $225 Days 1-7 / OON $200 Days 1-27 $4,640 $5,900 In Network / $10,000 OON 20001+ Tier 1: $3, Tier 2: $10, Tier 3: $47, Tier 4: $100, Tier 5: 27%
Humana Gold Choice (H8145-061-0) PFFS $117 $0 Broward, Palm Beach $200 $10, $40 / OON $10-40, $40 $290 Days 1-5 $5,030 $6,700 20001+ Tier 1: $7, Tier 2: $17, Tier 3: $47, Tier 4: $97, Tier 5: 29%

Definitions

HMO: Health Maintenance Organization. In these types of Medicare Advantage plans, you must receive healthcare through the plan network. If you seek treatment for anything other than emergency care out-of-network, you pay the full cost. You may need referrals to see specialists from your primary care physician, though some carriers do not require this.

PPO: Preferred Provider Organization. In these types of Medicare Advantage plans, you may seek treatment within your plans network or with out-of-network physicians. You usually pay a higher co-pay to see out-of-network physicians and the plan’s out-of-pocket maximum may be higher with out-of-network physicians, as well. Referrals are not needed to see a specialist.

Premium: This is the plan premium in addition to the $134 standard Medicare Part B premium. While most Medicare Advantage plans do not have an additional premium, a select few do.

Part B Rebate: Also known as a Part B Reduction, this is a portion of the $134 standard Medicare Part B premium that is reduced by enrolling in that plan. It is usually seen as an increase in your social security payments, as that is where most people have their Part B premium taken from.

Drug Deductible: This is the deductible that some plans require before they begin paying for prescription drugs. Some plans waive the deductible for prescription drugs in Tiers 1 and 2.

Doctor Co-Pay: The fee you will pay to see your primary care physician or a specialist.

Hospital Co-Pay: This is the fee you will pay when admitted into the hospital. The co-pay is charged during each individual hospital stay you may have during the year. For example, if you are in the hospital for 10 days in a plan where the hospital copay is $200 for days 1-5, you will be responsible for $1000. If you are admitted again for two days a few weeks after you are released, you would pay $400 for the additional stay.

Yearly Cost (Est.): This is the amount that CMS (Centers for Medicare and Medicaid Services) estimates the total cost associated with the plan and services you use during the calendar year. This figure does NOT include your prescription drug costs.

Out-of-Pocket Cap: This is the most money you will contribute towards your treatment during a plan year. This figure does NOT include your prescription drug costs.

Network Size: This is the number of physicians (primary care and specialists) that are contracted to provide service through the plan.

Drug Costs (Initial Coverage): Co-pays and co-insurance for different drug tiers within the plan during the initial coverage phase. Once both the plan and insured contribute $3,820 (in 2019) towards prescription drugs, the insured then enters the coverage gap (donut hole) and pays a higher co-insurance until payments reach $5,100. At this point, the insured enters the catastrophic coverage phase, and the plan contributes 95% of further drug costs.

What’s Not In This Chart?

Plenty. This chart serves to give a general overview of the Medicare Advantage plans with prescription drug coverage (MAPD) in the Tampa Bay Area. Special Needs Plans for Dual Eligibles (have both Medicare and Medicaid) and those with chronic illnesses are not included.

There are many co-pays that go beyond a visit to the doctor. This includes things like lab fees, urgent care, emergency care, ambulances, surgical benefits, etc.

Many plans also provide you with extras that Original Medicare does not provide, such as transportation, over-the-counter allowances, gym memberships (Silver Sneakers), dental/vision/hearing benefits, some even provide in-home cleaning and meals.


Medicare Advantage plans can be a great option for many Medicare beneficiaries who are looking to receive extra benefits that Original Medicare may not offer and don’t mind seeing physicians within a structured network. However, it is best to look at all of your options including Original Medicare with a Supplement (Medigap) or on its own.

Data Source: Centers for medicare and medicaid services (cms)


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