Palm Beach County Medicare Advantage Plans 2025: West Palm Beach MA Plans & Star Ratings
Palm Beach: 218,000 Medicare Advantage Enrollees, 48% MA Penetration, 4.2★ Average Rating
Serving Palm Beach County from West Palm Beach to Boca Raton with comprehensive Medicare Advantage (Part C) plans. Choose from 85+ $0 premium plans, 42 plans with Part B giveback up to $174.70/month, and comprehensive dental, vision, and hearing coverage. Work with local specialists who understand Palm Beach's premium healthcare networks including Cleveland Clinic, JFK Medical Center, and Boca Raton Regional Hospital. Annual Enrollment Period runs October 15 - December 7 with coverage starting January 1, 2026. Compare 4.5★ and 5★ rated plans for the best benefits and lowest out-of-pocket costs.
2025 Medicare Advantage Annual Enrollment Period (AEP)
📅 Enrollment Period:
October 15 - December 7, 2025
Coverage starts: January 1, 2026
⚡ Why Switch to Medicare Advantage:
$0 premiums + dental/vision + Part B giveback
All-in-one coverage vs. Original Medicare
🏥 Palm Beach County Medicare Advantage Plans & Benefits
⭐ Top Medicare Advantage Providers
- •Humana - 4.5★ average, extensive dental/vision benefits, nationwide PPO networks
- •UnitedHealthcare - 4.2★ average, Part B giveback up to $174.70/month
- •Aetna (CVS Health) - 4.3★ average, integrated pharmacy benefits, SilverSneakers fitness
- •Devoted Health - 4.6★ average, concierge-style care, $0 copays on primary care
- •Cigna - 4.0★ average, health rewards programs, telehealth included
- •WellCare (Centene) - 3.9★ average, competitive pricing, comprehensive Rx coverage
💰 Medicare Advantage Extra Benefits
98% of Palm Beach MA plans include dental, vision, and hearing coverage at no extra cost. Additional benefits include:
- ✓ Dental: Preventive, basic, major services (up to $3,000/year)
- ✓ Vision: Annual eye exams, $200-$400 eyewear allowance
- ✓ Hearing: Exams + hearing aids (up to $2,500/year)
- ✓ Fitness: SilverSneakers or Renew Active gym memberships
- ✓ OTC allowance: $50-$200/month for over-the-counter items
- ✓ Transportation: Rides to medical appointments
- ✓ Meals: Post-discharge meal delivery
- ✓ Telehealth: $0 virtual doctor visits
💡 Medicare Advantage vs. Original Medicare + Medigap
With 218,000 Palm Beach County enrollees (48% penetration), Medicare Advantage offers all-in-one coverage including Part A (hospital), Part B (medical), and usually Part D (prescription drugs) in a single plan. Compare with Medicare Supplement (Medigap) which requires separate Part D prescription coverage and typically doesn't include dental/vision/hearing. See full comparison.
Compare Palm Beach Medicare Options:
🏙️ Medicare Advantage Coverage Across Palm Beach County
🏢 West Palm Beach Medicare Advantage
West Palm Beach leads with 78,000+ Medicare Advantage enrollees. Downtown seniors, Norton Museum district retirees, and CityPlace residents access premium MA plans with 4.3★ average ratings.
- • St. Mary's Medical Center - in-network for 92 MA plans
- • Good Samaritan Medical Center - 88 MA plans
- • Palm Beach Gardens Medical Center - 85 MA plans
- • Cleveland Clinic Florida (Weston) - 78 MA plans
- • 32 plans with Part B giveback ($80-$174.70/month)
- • Local specialists offering in-home consultations
🏖️ Boca Raton Medicare Advantage
Boca Raton's 68,000+ MA enrollees enjoy premium healthcare access. Affluent retirees prioritize 4.5★ and 5★ rated plans with comprehensive benefits.
- • Boca Raton Regional Hospital - in-network for 95 MA plans
- • West Boca Medical Center - 90 MA plans
- • Highest concentration of premium dental/vision benefits ($3,500+ value)
- • 28 plans with concierge care coordination
- • Average OTC allowance: $175/month (highest in county)
- • SilverSneakers access at LA Fitness, Equinox, Lifestyle Family Fitness
🌴 Delray Beach Medicare Advantage
Delray Beach serves 32,000+ MA enrollees with beach lifestyle focus. Atlantic Avenue businesses and seasonal residents (snowbirds) access flexible nationwide PPO plans.
- • Delray Medical Center - in-network for 88 MA plans
- • Bethesda Hospital East - 82 MA plans
- • 48 PPO plans for snowbirds traveling between FL/Northeast
- • Special Enrollment Periods for permanent relocation
- • Plans with expanded out-of-network coverage
🐴 Wellington, Boynton Beach & Jupiter
Combined 40,000+ MA enrollees across Wellington (equestrian community seniors), Boynton Beach (family-oriented retirees), and Jupiter/Palm Beach Gardens (coastal affluent).
- • Wellington: Wellington Regional Medical Center (75 MA plans)
- • Boynton Beach: Bethesda Hospital East (82 MA plans)
- • Jupiter/PBG: Jupiter Medical Center (85 MA plans)
- • All cities: 85+ $0 premium plans available
- • Active adult communities: specialized fitness/wellness programs
🏥 Major Hospital Networks in Palm Beach Medicare Advantage Plans
All Palm Beach County Medicare Advantage plans include access to 8 major hospital systems: Cleveland Clinic Florida, JFK Medical Center, Boca Raton Regional Hospital,St. Mary's Medical Center, Palm Beach Gardens Medical Center, Wellington Regional Medical Center,Delray Medical Center, and Bethesda Hospital East/West. Network sizes vary by plan type (HMO vs PPO).
Compare hospital networks, star ratings, and out-of-pocket costs with our MA plan comparison tool or schedule a free consultation with our specialists.
📋 Medicare Advantage Plan Types in Palm Beach County
🏥 HMO Medicare Advantage Plans
Health Maintenance Organization (HMO) plans require you to use in-network providers and choose a primary care physician (PCP). Popular for $0 premiums and comprehensive benefits.
- ✓ $0 monthly premiums on 72 HMO plans
- ✓ PCP coordinates all care and specialist referrals
- ✓ Lower copays: $0-$10 PCP, $25-$45 specialists
- ✓ Best for: West Palm Beach, Boca Raton residents staying local
- ✓ Coverage: In-network only (except emergencies)
- ✓ Average star rating: 4.3★ in Palm Beach County
🌎 PPO Medicare Advantage Plans
Preferred Provider Organization (PPO) plans allow out-of-network care without referrals. Ideal for snowbirds and nationwide travelers.
- ✓ Flexibility: See any doctor, no referrals needed
- ✓ Nationwide coverage: Great for snowbirds (FL ↔ Northeast)
- ✓ Out-of-network: Higher copays but still covered
- ✓ Best for: Delray Beach snowbirds, frequent travelers
- ✓ Premiums: $0-$85/month (higher than HMO)
- ✓ Average star rating: 4.0★ in Palm Beach County
🩺 HMO-POS Medicare Advantage Plans
HMO Point-of-Service (HMO-POS) plans combine HMO's low costs with limited out-of-network coverage for specialists.
- ✓ $0 premiums on 15 HMO-POS plans
- ✓ PCP required, but some out-of-network care allowed
- ✓ Best of both: HMO pricing + PPO flexibility
- ✓ Best for: Boca Raton residents wanting specialist choice
- ✓ Limited availability: 18 plans in Palm Beach County
💊 Medicare Advantage-Prescription Drug (MA-PD) Plans
95% of Palm Beach MA plans include Part D prescription drug coverage (MA-PD). No need for separate Part D plan.
- ✓ All-in-one: Medical + hospital + prescription coverage
- ✓ Formulary tiers: $0-$47 copays on most drugs
- ✓ Coverage gap protection: Many plans cover donut hole
- ✓ Preferred pharmacies: CVS, Walgreens, Publix, Winn-Dixie
- ✓ Mail-order options: 90-day supply, lower copays
💰 Part B Premium Giveback Plans (42 available)
Part B giveback plans reduce or eliminate your $174.70/month Part B premium. Available from Humana, UnitedHealthcare, Aetna, and WellCare. Giveback amounts: $80-$174.70/month ($960-$2,096/year savings). See all giveback plans.
Note: Giveback is credited to your Social Security check. Not available on all plans. Compare with local specialists to maximize savings.
📅 Medicare Advantage Enrollment Periods in Palm Beach County
📋 Annual Enrollment Period (AEP)
October 15 - December 7, 2025 - Switch Medicare Advantage plans, change from Original Medicare to MA, or drop MA for Medicare Supplement.
- ✓ Coverage starts: January 1, 2026
- ✓ Compare star ratings (look for 4.5★ and 5★ plans)
- ✓ Review Part B giveback options (42 plans available)
- ✓ Check dental/vision/hearing benefits (98% of plans include)
- ✓ Verify hospital networks: Cleveland Clinic, Boca Regional, JFK Medical
- ✓ Schedule consultation with local specialists by early November
🔄 Medicare Advantage Open Enrollment Period (OEP)
January 1 - March 31, 2026 - Already enrolled in Medicare Advantage? You get one chance to switch to a different MA plan or return to Original Medicare + Medigap.
- ✓ One switch allowed during this period
- ✓ Great for trying MA plans without long-term commitment
- ✓ Add or drop Part D prescription drug coverage
- ✓ Switch from HMO to PPO (or vice versa) for better fit
- ✓ New enrollees: If you enrolled Oct 15 - Dec 7, you get another chance to switch Jan 1 - Mar 31
⚡ Special Enrollment Periods (SEP)
Special circumstances allow enrollment outside AEP. Common SEPs for Palm Beach County:
- ✓ Moving to/from Palm Beach County - Change plans within 2 months
- ✓ Losing employer/union coverage - 2 months before/after loss
- ✓ Snowbirds: Moving between FL and another state (permanent residence change)
- ✓ Medicaid eligibility change - Losing Extra Help/LIS
- ✓ Chronic condition SEP - Certain chronic conditions qualify for quarterly enrollment
- ✓ 5-star plan enrollment - Switch to 5★ rated plans anytime (Dec 8 - Nov 30)
🆕 Initial Enrollment Period (IEP)
Turning 65 or new to Medicare? Your 7-month Initial Enrollment Period starts 3 months before your 65th birthday month.
- ✓ Best time to enroll: 3 months before 65th birthday
- ✓ Avoid late enrollment penalties for Part D
- ✓ Compare Medicare Advantage vs. Medicare Supplement
- ✓ Palm Beach options: 85+ $0 premium MA plans or Medigap Plan G ($165/month avg)
- ✓ Work with local specialists for personalized guidance
⏰ Important Deadlines for Palm Beach County Seniors
Mark your calendar: AEP (Oct 15 - Dec 7) is the most important enrollment period for Medicare Advantage. This is your annual opportunity to review and switch plans. With 218,000 Palm Beach County MA enrollees, popular plans fill up quickly. Schedule your consultation in early October to ensure you have time to compare star ratings, Part B giveback options, and extra benefits before enrollment deadlines.
Snowbird tip: If you split time between Palm Beach and another state, choose a nationwide PPO plan with coverage in both locations. Delray Beach offers 48 PPO plans for snowbirds.
📚 Palm Beach County Medicare Advantage Resources
Medicare Advantage Resources
Palm Beach County Medicare Services
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🏥 Get Expert Medicare Advantage Help in Palm Beach County
Compare 2025 Medicare Advantage plans for West Palm Beach, Boca Raton, Delray Beach, and all Palm Beach cities. 85+ $0 premium plans with dental/vision/hearing. 42 plans with Part B giveback up to $174.70/month. Enroll with local specialists.
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