Medicare plans in Charlotte County, FL
74 plans are approved for Charlotte County, and 57 of them have no monthly premium. 72 carry a CMS star rating.
53.0% of the 81,731 people eligible for Medicare in Charlotte 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 Gold Plus H1036-217 (HMO) Humana · HMO |
$0 | $3,800 | $615 | 4.5/5 | 1,499 |
| Humana Gold Plus Giveback H1036-278 (HMO) Humana · HMO |
$0 | $4,400 | $0 | 4.5/5 | 1,019 |
| Humana Gold Plus SNP-DE H1036-285 (HMO D-SNP) Humana · HMO D-SNP |
$0 | $3,400 | $530 | 4.5/5 | 124 |
| Humana USAA Honor Giveback (HMO) Humana · HMO |
$0 | $6,700 | Not published | 4.5/5 | 60 |
| Humana Gold Plus Lung (HMO C-SNP) Humana · HMO C-SNP |
$0 | $3,300 | $615 | 4.5/5 | 316 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · HMO C-SNP |
$0 | $3,300 | $615 | 4.5/5 | 964 |
| Humana Gold Plus SNP-DE H1036-314 (HMO D-SNP) Humana · HMO D-SNP |
$0 | $3,400 | $0 | 4.5/5 | 736 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · HMO C-SNP |
$0 | $3,300 | $615 | 4.5/5 | 414 |
| Humana Dual Integrated (HMO D-SNP) Humana · HMO D-SNP |
$0 | $9,250 | $0 | 4.5/5 | 136 |
| AARP Medicare Advantage from UHC FL-0006 (HMO-POS) UnitedHealthcare · HMO-POS |
$0 | $3,800 | $270 | 4.5/5 | 2,166 |
| AARP Medicare Advantage from UHC FL-0010 (HMO-POS) UnitedHealthcare · HMO-POS |
$0 | $3,400 | $270 | 4.5/5 | 1,919 |
| UHC Dual Complete FL-D002 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP |
$0 | $9,250 | $442 | 4.5/5 | 1,085 |
| UHC Complete Care FL-14 (HMO-POS C-SNP) UnitedHealthcare · HMO-POS C-SNP |
$0 | $3,400 | $270 | 4.5/5 | 808 |
| AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) UnitedHealthcare · HMO-POS |
$0 | $6,700 | $600 | 4.5/5 | 104 |
| Aetna Medicare Select (HMO) Aetna Medicare · HMO |
$0 | $3,300 | $0 | 4.5/5 | 1,180 |
| Aetna Medicare Select Extra (HMO-POS) Aetna Medicare · HMO-POS |
$0 | $6,750 | $615 | 4.5/5 | 87 |
| Aetna Medicare Dual Select (HMO D-SNP) Aetna Medicare · HMO D-SNP |
$0 | $9,250 | $615 | 4.5/5 | 276 |
| Aetna Medicare Full Dual Select (HMO D-SNP) Aetna Medicare · HMO D-SNP |
$0 | $9,250 | $615 | 4.5/5 | 23 |
| Freedom Medicare Plan Rx (HMO) Freedom Health, Inc. · HMO |
$0 | $4,200 | $0 | 4.5/5 | 32 |
| Freedom Medi-Medi Partial (HMO D-SNP) Freedom Health, Inc. · HMO D-SNP |
$0 | $500 | $615 | 4.5/5 | 90 |
| Freedom VIP Savings (HMO C-SNP) Freedom Health, Inc. · HMO C-SNP |
$0 | $3,400 | $0 | 4.5/5 | 331 |
| Freedom VIP Savings COPD (HMO C-SNP) Freedom Health, Inc. · HMO C-SNP |
$0 | $3,400 | $0 | 4.5/5 | 61 |
| Freedom Medi-Medi Full (HMO D-SNP) Freedom Health, Inc. · HMO D-SNP |
$0 | $500 | $615 | 4.5/5 | 13 |
| Freedom Platinum Plan Rx (HMO) Freedom Health, Inc. · HMO |
$0 | $2,750 | $0 | 4.5/5 | 95 |
| Freedom Platinum Rewards Plan Rx (HMO) Freedom Health, Inc. · HMO |
$0 | $3,400 | $0 | 4.5/5 | 399 |
| Simply Complete Platinum (HMO D-SNP) Simply Healthcare Plans, Inc. · HMO D-SNP |
$0 | $500 | $615 | 4.5/5 | Fewer than 11 |
| Simply Integrated Platinum (HMO D-SNP) Simply Healthcare Plans, Inc. · HMO D-SNP |
$0 | $500 | $615 | 4.5/5 | Fewer than 11 |
| Aetna Medicare Signature (PPO) Aetna Medicare · PPO |
$0 | $6,750 | $615 | 4.5/5 | 171 |
| Aetna Medicare Signature (PPO) Aetna Medicare · PPO |
$0 | $5,500 | $615 | 4.5/5 | 4,914 |
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare · PPO |
$0 | $6,750 | Not published | 4.5/5 | 125 |
| Aetna Medicare Signature (PPO) Aetna Medicare · PPO |
$0 | $6,750 | $615 | 4.5/5 | 313 |
| Optimum Emerald Partial (HMO D-SNP) Optimum HealthCare, Inc. · HMO D-SNP |
$0 | $500 | $615 | 4.5/5 | 14 |
| Optimum Emerald Full (HMO D-SNP) Optimum HealthCare, Inc. · HMO D-SNP |
$0 | $500 | $615 | 4.5/5 | Fewer than 11 |
| Optimum Diamond Rewards (HMO C-SNP) Optimum HealthCare, Inc. · HMO C-SNP |
$0 | $6,800 | $0 | 4.5/5 | Fewer than 11 |
| Optimum Diamond Rewards COPD (HMO C-SNP) Optimum HealthCare, Inc. · HMO C-SNP |
$0 | $6,800 | $0 | 4.5/5 | Fewer than 11 |
| Humana USAA Honor Giveback (PPO) Humana · PPO |
$0 | $6,750 | Not published | 4.5/5 | 328 |
| HumanaChoice Florida H7617-109 (PPO) Humana · PPO |
$0 | $4,700 | $615 | 4.5/5 | 573 |
| Humana Full Access Giveback H7617-111 (PPO) Humana · PPO |
$0 | $6,750 | $600 | 4.5/5 | 2,086 |
| Humana Direct Choice Giveback (PPO) Humana · PPO |
$0 | $6,750 | $130 | 4.5/5 | 296 |
| Wellcare Giveback (HMO) Wellcare · HMO |
$0 | $7,200 | $615 | 4.0/5 | 81 |
| Wellcare Simple (HMO) Wellcare · HMO |
$0 | $3,000 | $615 | 4.0/5 | 126 |
| Wellcare Patriot Giveback (HMO) Wellcare · HMO |
$0 | $5,000 | Not published | 4.0/5 | 16 |
| BlueMedicare Classic (HMO) Florida Blue HMO · HMO |
$0 | $6,750 | $615 | 4.0/5 | 261 |
| BlueMedicare Premier (HMO) Florida Blue HMO · HMO |
$0 | $4,200 | $615 | 4.0/5 | 777 |
| AARP Medicare Advantage from UHC FL-0017 (PPO) UnitedHealthcare · PPO |
$0 | $6,700 | $600 | 4.0/5 | 3,738 |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) UnitedHealthcare · PPO |
$0 | $8,900 | Not published | 4.0/5 | 100 |
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP |
$0 | $9,250 | $615 | 3.5/5 | 551 |
| HumanaChoice Florida H5216-072 (PPO) Humana · PPO |
$0 | $5,600 | $615 | 3.5/5 | 596 |
| Humana USAA Honor Giveback (PPO) Humana · PPO |
$0 | $6,000 | Not published | 3.5/5 | 60 |
| HumanaChoice Florida H5216-304 (PPO) Humana · PPO |
$0 | $4,700 | $615 | 3.5/5 | 1,052 |
| Humana Full Access Giveback H5216-393 (PPO) Humana · PPO |
$0 | $6,750 | $600 | 3.5/5 | 3,658 |
| Humana Direct Choice Giveback (PPO) Humana · PPO |
$0 | $6,750 | $250 | 3.5/5 | 223 |
| Humana USAA Honor Giveback (PPO) Humana · PPO |
$0 | $6,750 | Not published | 3.5/5 | Fewer than 11 |
| HealthSpring Preferred (HMO) HealthSpring · HMO |
$0 | $6,750 | $615 | 3.5/5 | 17 |
| BlueMedicare Value (PPO) Florida Blue · PPO |
$0 | $6,750 | $615 | 3.5/5 | 638 |
| BlueMedicare Patriot (PPO) Florida Blue · PPO |
$0 | $6,750 | Not published | 3.5/5 | Fewer than 11 |
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) UnitedHealthcare · Regional PPO |
$0 | $9,250 | Not published | 3.5/5 | 45 |
| UHC Nursing Home Plan FL-F001 (PPO I-SNP) UnitedHealthcare · PPO I-SNP |
$4.80 | $9,250 | $615 | 4.5/5 | 120 |
| Wellcare Dual Reserve (HMO D-SNP) Wellcare · HMO D-SNP |
$4.80 | $3,000 | $615 | 4.0/5 | 12 |
| Wellcare Dual Access Sync (HMO D-SNP) Wellcare · HMO D-SNP |
$4.80 | $9,250 | $615 | 4.0/5 | 13 |
| Wellcare Sunshine Health Dual Align (HMO D-SNP) Wellcare · HMO D-SNP |
$4.80 | $9,250 | $615 | 4.0/5 | 20 |
| UHC Dual Complete FL-D003 (PPO D-SNP) UnitedHealthcare · PPO D-SNP |
$4.80 | $9,250 | $615 | 4.0/5 | 448 |
| UHC Dual Complete FL-Y4 (PPO D-SNP) UnitedHealthcare · PPO D-SNP |
$4.80 | $9,250 | $615 | 4.0/5 | 226 |
| HumanaChoice Florida SNP-DE H5216-394 (PPO D-SNP) Humana · PPO D-SNP |
$4.80 | $4,900 | $615 | 3.5/5 | 146 |
| HealthSpring TotalCare Plus (HMO D-SNP) HealthSpring · HMO D-SNP |
$4.80 | $1,500 | $615 | 3.5/5 | Fewer than 11 |
| HealthSpring TotalCare (HMO D-SNP) HealthSpring · HMO D-SNP |
$4.80 | $4,500 | $615 | 3.5/5 | Fewer than 11 |
| UHC Dual Complete FL-D005 (Regional PPO D-SNP) UnitedHealthcare · Regional PPO D-SNP |
$4.80 | $9,250 | $615 | 3.5/5 | 14 |
| Longevity Health Plan (HMO I-SNP) Longevity Health Plan · HMO I-SNP |
$4.80 | $9,250 | $615 | Not enough data to rate | Fewer than 11 |
| American Health Advantage of Florida (HMO I-SNP) American Health Advantage of Florida · HMO I-SNP |
$4.80 | $9,250 | $615 | Not enough data to rate | Fewer than 11 |
| HumanaChoice R5826-074 (Regional PPO) Humana · Regional PPO |
$41.00 | $7,550 | $615 | 3.5/5 | 40 |
| HumanaChoice R5826-018 (Regional PPO) Humana · Regional PPO |
$42.00 | $7,550 | Not published | 3.5/5 | 11 |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO) UnitedHealthcare · Regional PPO |
$62.00 | $9,250 | $600 | 3.5/5 | 161 |
| BlueMedicare Select (PPO) Florida Blue · PPO |
$153.70 | $6,750 | $615 | 3.5/5 | 19 |
| HumanaChoice R5826-005 (Regional PPO) Humana · Regional PPO |
$184.00 | $6,700 | $615 | 3.5/5 | 15 |
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Plans arriving in or leaving Charlotte 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.