Medicare plans in Bay County, FL
38 plans are approved for Bay County, and 23 of them have no monthly premium. 38 carry a CMS star rating.
43.2% of the 44,902 people eligible for Medicare in Bay County are already in a Medicare Advantage plan (September 2026).
All plans · Medicare Advantage · Special Needs Plans · Part D drug plans
| Plan | Premium a month | Most you can pay a year | Drug deductible | Stars | Enrolled here |
|---|---|---|---|---|---|
| Humana Total Complete H1036-143 (HMO) Humana · HMO |
$0 | $4,300 | $615 | 4.5/5 | 587 |
| Humana USAA Honor Giveback (HMO) Humana · HMO |
$0 | $6,700 | Not published | 4.5/5 | 34 |
| Humana Gold Plus SNP-DE H1036-314 (HMO D-SNP) Humana · HMO D-SNP |
$0 | $3,400 | $0 | 4.5/5 | 755 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · HMO C-SNP |
$0 | $3,300 | $615 | 4.5/5 | 400 |
| Humana Gold Plus Lung (HMO C-SNP) Humana · HMO C-SNP |
$0 | $3,300 | $615 | 4.5/5 | 84 |
| Humana Dual Integrated (HMO D-SNP) Humana · HMO D-SNP |
$0 | $9,250 | $0 | 4.5/5 | 156 |
| AARP Medicare Advantage from UHC FL-0008 (HMO-POS) UnitedHealthcare · HMO-POS |
$0 | $3,900 | $270 | 4.5/5 | 1,530 |
| Humana USAA Honor Giveback (PPO) Humana · PPO |
$0 | $6,750 | Not published | 4.5/5 | 439 |
| Humana Full Access Giveback H7617-111 (PPO) Humana · PPO |
$0 | $6,750 | $600 | 4.5/5 | 1,475 |
| BlueMedicare Classic (HMO) Florida Blue HMO · HMO |
$0 | $6,750 | $615 | 4.0/5 | 136 |
| AARP Medicare Advantage from UHC FL-0016 (PPO) UnitedHealthcare · PPO |
$0 | $6,700 | $600 | 4.0/5 | 2,188 |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) UnitedHealthcare · PPO |
$0 | $8,900 | Not published | 4.0/5 | 114 |
| UHC Dual Complete FL-D006 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP |
$0 | $9,250 | $544 | 3.5/5 | 755 |
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP |
$0 | $9,250 | $615 | 3.5/5 | 415 |
| Humana Value Choice H5216-070 (PPO) Humana · PPO |
$0 | $6,750 | $615 | 3.5/5 | 633 |
| Humana USAA Honor Giveback (PPO) Humana · PPO |
$0 | $6,000 | Not published | 3.5/5 | 140 |
| Humana Full Access Giveback H5216-393 (PPO) Humana · PPO |
$0 | $6,750 | $600 | 3.5/5 | 3,378 |
| Humana USAA Honor Giveback (PPO) Humana · PPO |
$0 | $6,750 | Not published | 3.5/5 | Fewer than 11 |
| HealthSpring Preferred (HMO) HealthSpring · HMO |
$0 | $4,750 | $0 | 3.5/5 | 320 |
| HealthSpring TotalCare Plus (HMO D-SNP) HealthSpring · HMO D-SNP |
$0 | $5,000 | $615 | 3.5/5 | Fewer than 11 |
| BlueMedicare Value (PPO) Florida Blue · PPO |
$0 | $9,250 | $615 | 3.5/5 | 1,755 |
| BlueMedicare Patriot (PPO) Florida Blue · PPO |
$0 | $6,750 | Not published | 3.5/5 | 52 |
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) UnitedHealthcare · Regional PPO |
$0 | $9,250 | Not published | 3.5/5 | 33 |
| Wellcare Dual Reserve (HMO D-SNP) Wellcare · HMO D-SNP |
$4.80 | $3,000 | $615 | 4.0/5 | 23 |
| Wellcare Dual Access Sync (HMO D-SNP) Wellcare · HMO D-SNP |
$4.80 | $9,250 | $615 | 4.0/5 | 55 |
| Wellcare Sunshine Health Dual Align (HMO D-SNP) Wellcare · HMO D-SNP |
$4.80 | $9,250 | $615 | 4.0/5 | 51 |
| UHC Dual Complete FL-D003 (PPO D-SNP) UnitedHealthcare · PPO D-SNP |
$4.80 | $9,250 | $615 | 4.0/5 | 733 |
| UHC Dual Complete FL-Y4 (PPO D-SNP) UnitedHealthcare · PPO D-SNP |
$4.80 | $9,250 | $615 | 4.0/5 | 218 |
| HumanaChoice Florida SNP-DE H5216-394 (PPO D-SNP) Humana · PPO D-SNP |
$4.80 | $4,900 | $615 | 3.5/5 | 381 |
| HealthSpring TotalCare (HMO D-SNP) HealthSpring · HMO D-SNP |
$4.80 | $5,950 | $615 | 3.5/5 | 28 |
| UHC Dual Complete FL-D005 (Regional PPO D-SNP) UnitedHealthcare · Regional PPO D-SNP |
$4.80 | $9,250 | $615 | 3.5/5 | Fewer than 11 |
| HumanaChoice Florida H7284-009 (PPO) Humana · PPO |
$39.00 | $6,750 | $615 | 3.5/5 | 329 |
| HumanaChoice R5826-074 (Regional PPO) Humana · Regional PPO |
$41.00 | $7,550 | $615 | 3.5/5 | 32 |
| HumanaChoice R5826-018 (Regional PPO) Humana · Regional PPO |
$42.00 | $7,550 | Not published | 3.5/5 | Fewer than 11 |
| HealthSpring Courage (HMO) HealthSpring · HMO |
$50.00 | $5,500 | Not published | 3.5/5 | 19 |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO) UnitedHealthcare · Regional PPO |
$62.00 | $9,250 | $600 | 3.5/5 | 93 |
| BlueMedicare Select (PPO) Florida Blue · PPO |
$153.70 | $6,750 | $615 | 3.5/5 | 26 |
| HumanaChoice R5826-005 (Regional PPO) Humana · Regional PPO |
$184.00 | $6,700 | $615 | 3.5/5 | Fewer than 11 |
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Plans arriving in or leaving Bay County, and premiums moving, when CMS republishes.
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Nearby and related
All Florida counties · What changed recently
Premiums, deductibles, maximum out-of-pocket amounts, star ratings and sanctions are reproduced from the Centers for Medicare & Medicaid Services landscape file as published in the September 2026 release. Enrolment counts are from the CMS monthly enrolment file; CMS suppresses any count of ten or fewer, which is why many plans show “fewer than 11” rather than a number. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: see Medicare.gov or call 1-800-MEDICARE.