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Medicare Advantage (Part C) plans PPO and HMO

Let’s go beyond health insurance to give you what you really deserve: health solutions. See how Florida Blue Medicare Advantage plans are solving for your health care needs and budget. 

plans with $0 monthly premiums

all the benefits of Original Medicare (Parts A and B)

most plans include Part D prescription drug coverage

extra dental, hearing, and vision benefits

earn reward dollars2 when you complete certain preventive screenings and healthy activities between January 1 and December 31

low or no copay to see a primary care doctor

SilverSneakers®1 Fitness program

comprehensive network of providers

personalized service and expert guidance

Choose the right Medicare Advantage plan

You have options when it comes to Medicare Advantage (Part C) plans. Many of our Medicare Advantage plans can give you vision, dental, and hearing coverage, and low or no copays to see doctors and specialists. Most plans even have a $0 monthly plan premium.

Part C PPO plans

Do you want the freedom to choose any doctor who accepts Medicare and a network of lower cost providers when you travel? If you don't like to wait for a primary care doctor referral to go to a specialist, one of our Medicare Advantage PPO plans may be  better for you. 


•    Choose any doctor who accepts Medicare.
•    Save with lower out-of-pocket costs when you use in-network providers
•    Have the option to use health care providers out-of-network
•    See a specialist visits without needing a referral
•    Earn reward dollars2 when you complete certain preventive screenings and healthy activities between January 1 and December 31

Part C HMO plans

Like to save money? Prefer having one doctor to coordinate your care with specialists and other health care providers? Then one of our Medicare Advantage HMO plans could be a great choice for you.


•    You choose a trusted primary care physician to coordinate your medical needs
•    With most plans, you need to use in-network doctors, specialists, or hospitals, with a few exceptions, like medical emergencies
•    You can benefit from our rewards program2

What does a Medicare Advantage plan cost?

Like Original Medicare, Medicare Advantage (Part C) plans share the cost of care through deductibles, copayments (copays), and coinsurance. These costs vary by plan.

  • Deductible – The amount you pay before Florida Blue Medicare begins to pay its share of the cost. Some Medicare Advantage plans have a separate drug deductible before they start to pay for your prescriptions.
  • Copay – A flat dollar amount (for example, $10) you pay each time you receive care or fill a prescription
  • Coinsurance – A percentage (for example, 10%) you pay for your care or prescription drugs after you meet your deductible
  • Premium – A fixed, monthly amount you pay for your Medicare Advantage plan coverage. Many Florida Blue Part C plans have a $0 premium.
  • Out-of-pocket maximum – The most you pay for covered health care services during your plan’s calendar year. All of your Medicare-covered expenses go toward this maximum. 

Compare 2025 Medicare Advantage plan benefits and features

  HMO PPO

Monthly plan premiums

$0

in select plans

Medical deductible

(not available)

in select plans

Limited out-of-pocket costs for care each year

Hospital, ER, and urgent care coverage

Preventive care

Non-emergency/non-urgent coverage outside of Florida

(not available)

Dental coverage

in select plans

Vision, hearing, and prescription drug (Rx) coverage

in select plans

Mental health and substance abuse services

Skilled nursing facility and home health agency coverage

Able to see specialists without a referral and not have a primary care physician

(not available)

Able to see providers out-of-network

(not available)

Rx mail-order benefit

Over-the-counter (OTC) medication allowance

in select plans

in select plans

Transportation benefit

in select plans

(not available)

Meals home delivery

in select plans

(not available)

Healthy Food Allowance*+

in select plans

(not available)

Fitness benefit – SilverSneakers®1

Member Rewards program2

Online member portal

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Disclaimers:

SilverSneakers®:
1SilverSneakers® is a registered trademark of Tivity Health, Inc. © 2024 Tivity Health, Inc. All rights reserved.

HealthyBlue Rewards:
2HealthyBlue Rewards Program (HealthyBlue) restrictions and limitations may apply. Eligible members who opt in to participate in HealthyBlue Rewards must complete the activity and redeem rewards no later than December 31 of the benefit year. Unredeemed rewards earned in 2024 will not carry over to 2025 and will expire if you disenroll from the plan. Participation in HealthyBlue is voluntary and offered at no additional cost to you.

Blue Dollars card: 
Allowance amounts vary by plan. Any unused amounts do not rollover to the next period. Consult the Evidence of Coverage for details. Eligible allowance and rewards amounts cannot be combined. Additional limitations or restrictions may apply. Subscription-type services like Walmart+, Instacart, Shipt, and Amazon are not eligible. The Benefits Mastercard® Prepaid Card, is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to license by Mastercard® International Incorporated. Mastercard® and the circles design are registered trademarks of Mastercard® International Incorporated. Card can be used for eligible expenses wherever Mastercard is accepted. Valid only in the U.S. No cash access.

Special Supplemental Benefits for the Chronically Ill (SSBCI):
+This benefit is part of special supplemental benefits and not all members will qualify. See Special Supplemental Benefits for the Chronically Ill (SSBCI) in your Plan’s Evidence of Coverage for full eligibility requirements.

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FBM PRODUCT NF
Last Updated: 10.01.2024
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