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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, vision, and hearing benefits

earn reward dollars23 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 dental, vision, 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
•    Earn reward dollars2 when you complete certain preventive screenings and healthy activities between January 1 and December 31

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.

Your Medicare Advantage (Part C) costs may include:

  • 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 health expenses go toward this maximum. 
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FBM PRODUCT NF
Last Updated: 01.28.2025
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