Medicare in The Villages, Florida 2024
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Find the right Medicare plan for you
- 2024 Medicare Facts for The Villages
- What is Medicare?
- Medicare Plans in The Villages
- Top Medicare Insurance Companies in The Villages
- Most Popular Medicare Plans in The Villages
- When to Enroll in a Medicare Plan in The Villages
- Doctors Near Me Accepting Medicare: The Villages, Florida
- Frequently Asked Questions
Want to discover how to sign up for Medicare in The Villages, Florida or what plans are available? You’ve come to the right place. Connie Health gathered the vital details you need to sign up for Medicare, your plan options in The Villages, Lake County, and Medicare providers in your area.
2024 Medicare Facts for The Villages
Original Medicare (Parts A & B)
- There are 118,505 Medicare-eligible people living in Lake County, Florida.
- Most Medicare beneficiaries pay $0 for their Medicare Part A premium. For those that pay a premium, it's $0 or $505 each month, depending on how long you or your spouse worked and paid Medicare taxes.
- The Medicare Part A deductible is $1,632 before Original Medicare starts to pay for inpatient hospital stays, plus copayments.
- The majority of Medicare beneficiaries pay for their Medicare Part B coverage. The standard Part B premium is $174.70 per month. Your Part B premium could be higher because of your income (IRMAA).
- The Medicare Part B deductible is $240 annually before Original Medicare starts to pay, plus 20% coinsurance for all Medicare-approved services.
Medicare Part C (Medicare Advantage)
- Of the 118,505 Medicare beneficiaries, there are 65,757 enrolled in a Medicare Advantage plan in The Villages. That’s 55.49% of those enrolled in Medicare in The Villages.
- All Medicare eligibles have access to a $0 premium Medicare Advantage plan, and there are 43 $0 premium plans in The Villages.
- If you pay a premium for a Medicare Advantage plan, the average cost is $53.88 per month. And the average out-of-pocket max is $4,140 per year.
Medicare Part D (Prescription drug coverage)
- You have 21 Medicare Part D prescription drug plans to choose from in The Villages.
- Medicare Part D premiums range from $0.00 to $181.60 per month in The Villages. The price depends on whether you enroll in a basic or enhanced benefit plan, and your prescription drug needs.
- The average monthly stand-alone Part D premium in The Villages is $69.98.
- There are 14 plans available in The Villages that Medicare rated three stars or higher.
- 26% of Medicare eligibles with a stand-alone Part D plan get extra help.
Medicare Supplement (Medigap)
- There are 12 Medicare Supplement plan types to choose from in The Villages. These include Medicare Supplement Plan A, Plan B, Plan C, Plan D, Plan F, Plan F high-deductible, Plan G, Plan G high-deductible, Plan K, Plan L, Plan M, and Plan N
- The cost of a Medicare Supplement plan in The Villages ranges from $61 to $2,472 depending on the Plan Type you choose, your age, sex, whether you smoke, and when you enroll.
- The annual prescription drug deductible ranges between $0 - $545 in The Villages, Florida.
What is Medicare?
Medicare is a health insurance program created by the government. There are 27.85 million people who have Medicare in the United States. And there are 118,505 Medicare-eligible people in The Villages. If you're eligible for Medicare, this means that you're in good company.
People who are 65 years old or older, certain younger people with disabilities, and individuals with End-Stage Renal Disease (ESRD) or other qualified illnesses can get help from Medicare to pay for medical costs like doctor visits, hospital stays, and other treatments.
Medicare Plans in The Villages
Original Medicare (Part A and B) is the most basic coverage offered by the government for people who are eligible for Medicare. You enroll in Medicare Part A and Medicare Part B when you first become eligible for Medicare.
There are also plan options that expand Original Medicare coverage. These options include Medicare Advantage (Part C), stand-alone Medicare Prescription Drug Coverage (Part D), and Medicare Supplement (Medigap) plans.
Most people enrolled in Medicare expand their coverage because Original Medicare doesn’t have an out-of-pocket maximum. Without expanded coverage, you could expose yourself to high out-of-pocket costs, a financial risk.
By enrolling in a Medicare Supplement and/or a Medicare Part D stand-alone prescription drug plan, you get help with some or all of your Medicare out-of-pocket costs, plus prescription drug coverage.
With a Medicare Advantage plan, you receive your coverage in a single plan: Medicare Parts A and B, and comprehensive dental, vision, and hearing coverage. Plus, most plans include prescription drug coverage. 55.49% of Medicare beneficiaries in The Villages are enrolled in a Medicare Advantage plan.
Top Medicare Insurance Companies in The Villages
Top 5 Medicare Advantage Insurance Companies in The Villages
| # | Insurance Company |
|---|---|
| 1 | Preferred Care Partners, Inc. |
| 2 | Careplus Health Plans, Inc. |
| 3 | Freedom Health, Inc. |
| 4 | Humana Medical Plan, Inc. |
| 5 | Humana Insurance Company |
Most Popular The Villages Medicare Supplement Insurance Companies
| # | Insurance Company |
|---|---|
| 1 | Blue Cross Blue Shield of Florida (Florida Blue) |
| 2 | United American Insurance Company |
| 3 | USAA Life Insurance Company |
| 4 | AARP - UnitedHealthcare |
| 5 | Humana |
Most Popular Medicare Plans in The Villages
Top 25 Medicare Advantage Plans with the Highest Star Ratings in The Villages
The Centers for Medicare and Medicaid Services (CMS) rates all Medicare Advantage plans on a scale of 1 to 5 stars. Plans with one star are considered “poor,” while those with five stars are considered “excellent.” Any plan that is four stars and higher is a “top-rated” plan. These are the plans with the highest star ratings in The Villages.
| Medicare Advantage Plan Name | Plan Type | Monthly Plan Premium | Maximum Out-of-Pocket | Rx Deductible | Medicare Star Rating |
|---|---|---|---|---|---|
| Optimum Gold Rewards Plan (HMO) | Local HMO | $0.00 | $3,400 | $0 | 5 |
| Cigna Preferred Medicare (HMO) | Local HMO | $0.00 | $2,700 | $0 | 4.5 |
| Cigna Preferred Savings Medicare (HMO) | Local HMO | $0.00 | $3,700 | $0 | 4.5 |
| Cigna Primary Medicare (HMO) | Local HMO | $17.20 | $3,500 | $505 | 4.5 |
| Devoted CORE North Florida (HMO) | Local HMO | $0.00 | $2,750 | $0 | 4.5 |
| Devoted ESSENTIALS North Florida (HMO) | Local HMO | $0.00 | $3,400 | $0 | 4.5 |
| Devoted PREMIUM (HMO) | Local HMO | $35.90 | $2,750 | $0 | 4.5 |
| Freedom Platinum Plan Rx (HMO) | Local HMO | $0.00 | $2,000 | $0 | 4.5 |
| Freedom Platinum Plus Plan Rx (HMO) | Local HMO | $30.00 | $1,500 | $0 | 4.5 |
| Freedom Platinum Rewards Plan Rx (HMO) | Local HMO | $0.00 | $3,400 | $0 | 4.5 |
| Freedom Savings Plan (HMO) | Local HMO | $0.00 | $3,400 | - | 4.5 |
| HumanaChoice Florida H5216-074 (PPO) | Local PPO | $0.00 | $5,800 | $0 | 4.5 |
| HumanaChoice Florida H5216-304 (PPO) | Local PPO | $0.00 | $4,700 | $0 | 4.5 |
| Humana Community (HMO) | Local HMO | $0.00 | $2,500 | $0 | 4.5 |
| Humana Gold Plus H1036-146 (HMO) | Local HMO | $0.00 | $2,600 | $0 | 4.5 |
| Humana Gold Plus H1036-269 (HMO) | Local HMO | $0.00 | $3,200 | $0 | 4.5 |
| Humana Honor (HMO) | Local HMO | $0.00 | $6,700 | - | 4.5 |
| Humana Honor (PPO) | Local PPO | $0.00 | $5,100 | - | 4.5 |
| Aetna Medicare Select (HMO) | Local HMO | $0.00 | $2,750 | $0 | 4 |
| CareFree (HMO) | Local HMO | $0.00 | $3,200 | $0 | 4 |
| CareFree Platinum (HMO) | Local HMO | $0.00 | $4,000 | $0 | 4 |
| CareOne Platinum (HMO) | Local HMO | $0.00 | $3,000 | $0 | 4 |
| CareOne Plus (HMO-POS) | Local HMO | $0.00 | $2,750 | $0 | 4 |
| CareSalute (HMO) | Local HMO | $0.00 | $6,700 | - | 4 |
| HumanaChoice Florida H7284-001 (PPO) | Local PPO | $84.00 | $2,500 | $0 | 4 |
5 Most Popular Medicare Supplement Plan Types in The Villages
These are the 5 most popular Medicare Supplement plans in The Villages, by enrollment. Monthly premiums depend on your age, sex, whether you smoke, and if you sign up during your Medigap Open Enrollment Period.
| # | % of Florida Medicare Supplement Enrollees by Plan | Medicare Supplement Plan Type | Monthly Plan Premium Range (Not Including Part B Premium) | Part A Deductible (Hospital Coverage) | Part B Deductible (Medical Coverage) | Part B Copays/Coinsurance |
|---|---|---|---|---|---|---|
| 1 | 57.1% | Plan F | $273 - $2,472 | $0 | $0 | $0 |
| 2 | 14.5% | Plan G | $228 - $1,820 | $0 | $226 | $0 |
| 3 | 9.7% | Plan N | $176 - $1,460 | $0 | $226 | $0 |
| 4 | 4.1% | Plan C | $276 - $1,488 | $0 | $0 | $0 |
| 5 | 3.6% | Plan D | $268 - $1,307 | $0 | $226 | $0 |
According to Medicare beneficiary enrollment in The Villages, Florida, the best Medicare Supplement plan types are:
- Plan G
- Plan N
- Plan D
- Plan F
- Plan C
Not all insurance companies offer each plan. The best Medicare Supplement plans in The Villages, Florida are offered by these top insurance providers:
- BlueCross BlueShield of Florida (Florida Blue) Plan C, D, F, G or Plan N.
- United American Insurance Company Plan C, D, F, G, or Plan N.
- USAA Life Insurance Company Plan F, G, or N.
- AARP - UnitedHealthcare Plan C, F, G or Plan N.
- Humana Plan Plan F, G, or N.
Find the right Medicare plan for you
Veteran Benefits & Medicare
If you or your spouse are veterans, you likely have VA benefits. However, the U.S. Department of Veteran Affairs encourages you to sign up for Medicare as soon as you are eligible. Here are three reasons you should speak to a local licensed agent about how VA benefits and Medicare work together:
- Having Medicare means you’re covered when you need care from a non-VA hospital or doctor, which also offers you greater health options.
- VA benefits and health care could change in the future, so you should enroll in every health care benefit that you are eligible for.
- If you lose VA benefits and aren’t enrolled in Medicare, you could face Medicare Part B and Part D lifetime late enrollment penalties.
When to Enroll in a Medicare Advantage Plan in The Villages
Knowing when to enroll or make plan changes can help you save money.
Enrolling in Medicare for the first time, or are you interested in making a plan change? Skip to the section that applies to you - and mark the dates in your calendar.
Enroll for the First Time
If you’re new to Medicare, the best time to enroll in Medicare is during your Initial Enrollment Period. If you miss that, you can still enroll during the General Enrollment Period (January 1 - March 31) or Special Enrollment Period, but likely with penalties.
Make A Plan Change
The best time to make a plan change is during the Medicare Annual Enrollment Period (October 15 - December 7). During this time, anyone enrolled in Medicare can review their plan options for the coming year and ensure that their plan choice meets their health and budget needs.
If you need to make a plan change because you moved to a new service area or lost coverage, among other reasons, you could qualify for a Special Enrollment Period.
Whether you’re enrolling for the first time or making a plan change, Medicare in Florida can be confusing. You don’t have to sift through your options alone. A local licensed agent can help.
Doctors Near Me Accepting Medicare: The Villages, Florida
Having trouble finding doctors that accept your plan? The search for a trustworthy physician can feel overwhelming, but no need to worry. Say goodbye to endless phone calls and time-consuming online searches.
We’ve modernized the process with our convenient online platform. Enter your address and plan information, and let Connie Health do the heavy lifting. We'll locate Medicare doctors near you.
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Sources
“2021 Medicare Supplement Loss Ratios.” National Association of Insurance Commissioners.
“Find a Medigap policy that works for you.” Medicare.gov.
“MA State/County Penetration.” CMS.gov.
“Monthly PDP Enrollment by State/County/Contract.” Medicare.gov.
“Prescription Drug Coverage - General Information.” CMS.gov.
“Social Security Office Locator.” The Official Website of the U.S. Social Security Administration.
“The State of Medicare Supplement Coverage.” AHIP.
“Fact sheet - Medicare Open Enrollment, 2024” CMS.gov.
Last updated: May 09, 2024