# Medicare Advantage & Part D plans in Bay County, Florida (2026)

CMS lists 48 Medicare plans for Bay County, Florida in 2026: 14 MA-PD, 9 MA, 15 SNP, and 10 stand-alone Part D plans available statewide.

According to the CMS CY2026 Landscape file (March 2026 refresh), retrieved 2026-07-18.

These lists are strictly descriptive — no recommendations. To compare plans and enroll, use Medicare.gov's Plan Finder: https://www.medicare.gov/plan-compare/

## Medicare Advantage, SNP, and Cost plans (38)

| Plan | Organization | Type | Monthly premium | Drug deductible | MOOP (in-network) | Overall stars |
|---|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC FL-0008 (HMO-POS) | UnitedHealth Group, Inc. | HMO-POS | $0.00 | $270.00 | $3900.00 | 4.5 |
| AARP Medicare Advantage from UHC FL-0016 (PPO) | UnitedHealth Group, Inc. | PPO | $0.00 | $600.00 | $6700.00 | 4.0 |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO) | UnitedHealth Group, Inc. | Regional PPO | $62.00 | $600.00 | $9250.00 | 3.5 |
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) | UnitedHealth Group, Inc. | Regional PPO | $0.00 | — | $9250.00 | 3.5 |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) | UnitedHealth Group, Inc. | PPO | $0.00 | — | $8900.00 | 4.0 |
| BlueMedicare Classic (HMO) | Guidewell Mutual Holding Corporation | HMO | $0.00 | $615.00 | $6750.00 | 4.0 |
| BlueMedicare Patriot (PPO) | Guidewell Mutual Holding Corporation | PPO | $0.00 | — | $6750.00 | 3.5 |
| BlueMedicare Select (PPO) | Guidewell Mutual Holding Corporation | PPO | $153.70 | $615.00 | $6750.00 | 3.5 |
| BlueMedicare Value (PPO) | Guidewell Mutual Holding Corporation | PPO | $0.00 | $615.00 | $9250.00 | 3.5 |
| HealthSpring Courage (HMO) | Health Care Service Corporation | HMO | $50.00 | — | $5500.00 | 3.5 |
| HealthSpring Preferred (HMO) | Health Care Service Corporation | HMO | $0.00 | $0.00 | $4750.00 | 3.5 |
| HealthSpring TotalCare (HMO D-SNP) | Health Care Service Corporation | HMO D-SNP | $4.80 | $615.00 | $5950.00 | 3.5 |
| HealthSpring TotalCare Plus (HMO D-SNP) | Health Care Service Corporation | HMO D-SNP | $0.00 | $615.00 | $5000.00 | 3.5 |
| Humana Dual Integrated (HMO D-SNP) | Humana Inc. | HMO D-SNP | $0.00 | $0.00 | $9250.00 | 4.5 |
| Humana Full Access Giveback H5216-393 (PPO) | Humana Inc. | PPO | $0.00 | $600.00 | $6750.00 | 3.5 |
| Humana Full Access Giveback H7617-111 (PPO) | Humana Inc. | PPO | $0.00 | $600.00 | $6750.00 | 4.5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | Humana Inc. | HMO C-SNP | $0.00 | $615.00 | $3300.00 | 4.5 |
| Humana Gold Plus Lung (HMO C-SNP) | Humana Inc. | HMO C-SNP | $0.00 | $615.00 | $3300.00 | 4.5 |
| Humana Gold Plus SNP-DE H1036-314 (HMO D-SNP) | Humana Inc. | HMO D-SNP | $0.00 | $0.00 | $3400.00 | 4.5 |
| Humana Total Complete H1036-143 (HMO) | Humana Inc. | HMO | $0.00 | $615.00 | $4300.00 | 4.5 |
| Humana USAA Honor Giveback (HMO) | Humana Inc. | HMO | $0.00 | — | $6700.00 | 4.5 |
| Humana USAA Honor Giveback (PPO) | Humana Inc. | PPO | $0.00 | — | $6000.00 | 3.5 |
| Humana USAA Honor Giveback (PPO) | Humana Inc. | PPO | $0.00 | — | $6750.00 | 4.5 |
| Humana USAA Honor Giveback (PPO) | Humana Inc. | PPO | $0.00 | — | $6750.00 | 3.5 |
| Humana Value Choice H5216-070 (PPO) | Humana Inc. | PPO | $0.00 | $615.00 | $6750.00 | 3.5 |
| HumanaChoice Florida H7284-009 (PPO) | Humana Inc. | PPO | $39.00 | $615.00 | $6750.00 | 3.5 |
| HumanaChoice Florida SNP-DE H5216-394 (PPO D-SNP) | Humana Inc. | PPO D-SNP | $4.80 | $615.00 | $4900.00 | 3.5 |
| HumanaChoice R5826-005 (Regional PPO) | Humana Inc. | Regional PPO | $184.00 | $615.00 | $6700.00 | 3.5 |
| HumanaChoice R5826-018 (Regional PPO) | Humana Inc. | Regional PPO | $42.00 | — | $7550.00 | 3.5 |
| HumanaChoice R5826-074 (Regional PPO) | Humana Inc. | Regional PPO | $41.00 | $615.00 | $7550.00 | 3.5 |
| UHC Dual Complete FL-D003 (PPO D-SNP) | UnitedHealth Group, Inc. | PPO D-SNP | $4.80 | $615.00 | $9250.00 | 4.0 |
| UHC Dual Complete FL-D005 (Regional PPO D-SNP) | UnitedHealth Group, Inc. | Regional PPO D-SNP | $4.80 | $615.00 | $9250.00 | 3.5 |
| UHC Dual Complete FL-D006 (HMO-POS D-SNP) | UnitedHealth Group, Inc. | HMO-POS D-SNP | $0.00 | $544.00 | $9250.00 | 3.5 |
| UHC Dual Complete FL-Y4 (PPO D-SNP) | UnitedHealth Group, Inc. | PPO D-SNP | $4.80 | $615.00 | $9250.00 | 4.0 |
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP) | UnitedHealth Group, Inc. | HMO-POS D-SNP | $0.00 | $615.00 | $9250.00 | 3.5 |
| Wellcare Dual Access Sync (HMO D-SNP) | Centene Corporation | HMO D-SNP | $4.80 | $615.00 | $9250.00 | 4.0 |
| Wellcare Dual Reserve (HMO D-SNP) | Centene Corporation | HMO D-SNP | $4.80 | $615.00 | $3000.00 | 4.0 |
| Wellcare Sunshine Health Dual Align (HMO D-SNP) | Centene Corporation | HMO D-SNP | $4.80 | $615.00 | $9250.00 | 4.0 |

## Stand-alone Part D plans (statewide, 10)

| Plan | Organization | Basic premium | Total premium | Drug deductible | Overall stars |
|---|---|---|---|---|---|
| AARP Medicare Rx Preferred from UHC (PDP) | UnitedHealth Group, Inc. | $86.20 | $119.10 | $130.00 | — |
| AARP Medicare Rx Saver from UHC (PDP) | UnitedHealth Group, Inc. | $98.70 | $98.70 | $615.00 | — |
| BlueMedicare Complete Rx (PDP) | Guidewell Mutual Holding Corporation | $197.70 | $217.00 | $615.00 | — |
| BlueMedicare Premier Rx (PDP) | Guidewell Mutual Holding Corporation | $98.60 | $98.60 | $615.00 | — |
| Humana Basic Rx Plan (PDP) | Humana Inc. | $92.70 | $92.70 | $615.00 | — |
| Humana Premier Rx Plan (PDP) | Humana Inc. | $62.90 | $115.90 | $0.00 | — |
| Humana Value Rx Plan (PDP) | Humana Inc. | $6.50 | $25.90 | $601.00 | — |
| SilverScript Choice (PDP) | CVS Health Corporation | $98.30 | $98.30 | $615.00 | — |
| Wellcare Classic (PDP) | Centene Corporation | $0.00 | $0.00 | $615.00 | — |
| Wellcare Value Script (PDP) | Centene Corporation | $21.50 | $0.00 | $615.00 | — |

## Sources

- CMS, CY2026 Medicare Advantage & Part D Landscape file (March 2026): https://www.cms.gov/files/zip/cy2026-landscape-202603.zip
- Medicare.gov Plan Finder: https://www.medicare.gov/plan-compare/

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