Medicare plans by county · CY2026
91 Medicare Plans in St. Lucie, Florida
Contract year 2026 · CMS Medicare Landscape Files
91 Medicare plans are available in St. Lucie for 2026
Base monthly premiums range from $0.00 to $184.00. 67 plans have a $0.00 base premium.
Average CMS star rating: 4.2 stars (86 of 91 plans rated).
Premiums shown are the plan's base premium — your actual cost includes the Part B premium and may vary by income. To compare plans with your specific drugs and providers and to enroll, use the official Medicare Plan Finder: medicare.gov/plan-compare . Free help: 1-800-MEDICARE or your state's SHIP.
SNP (47 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| UHC Nursing Home Plan FL-F001 (PPO I-SNP) H0710_010 | PPO I-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $4.80 | 4.5 ★ |
| Wellcare Dual Reserve (HMO D-SNP) H1032_202 | HMO D-SNP | Wellcare Centene Corporation | $4.80 | 4 ★ |
| Wellcare Dual Access Sync (HMO D-SNP) H1032_244 | HMO D-SNP | Wellcare Centene Corporation | $4.80 | 4 ★ |
| Wellcare Sunshine Health Dual Align (HMO D-SNP) H1032_245 | HMO D-SNP | Wellcare Centene Corporation | $4.80 | 4 ★ |
| Humana Gold Plus SNP-DE H1036-226 (HMO D-SNP) H1036_226 | HMO D-SNP | Humana Humana Inc. | $0.10 | 4.5 ★ |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) H1036_292 | HMO C-SNP | Humana Humana Inc. | $0.00 | 4.5 ★ |
| Humana Gold Plus Lung (HMO C-SNP) H1036_298 | HMO C-SNP | Humana Humana Inc. | $0.00 | 4.5 ★ |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) H1036_338 | HMO C-SNP | Humana Humana Inc. | $0.00 | 4.5 ★ |
| Humana Dual Integrated (HMO D-SNP) H1036_339 | HMO D-SNP | Humana Humana Inc. | $0.00 | 4.5 ★ |
| UHC Dual Complete FL-D002 (HMO-POS D-SNP) H1045_039 | HMO-POS D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 4.5 ★ |
| UHC Complete Care FL-14 (HMO-POS C-SNP) H1045_048 | HMO-POS C-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 4.5 ★ |
| DEVOTED DUAL 039 FL (HMO D-SNP) H1290_039 | HMO D-SNP | Devoted Health Devoted Health, Inc. | $3.90 | 5 ★ |
| DEVOTED DUAL PLUS 052 FL (HMO D-SNP) H1290_052 | HMO D-SNP | Devoted Health Devoted Health, Inc. | $0.00 | 5 ★ |
| Gold Heart & Diabetes (HMO-POS C-SNP) H1526_001 | HMO-POS C-SNP | Gold Kidney Health Plan | $0.00 | — |
| Gold Heart & Diabetes Complete (HMO-POS C-SNP) H1526_002 | HMO-POS C-SNP | Gold Kidney Health Plan | $0.00 | — |
| Gold Dialysis & Kidney (HMO-POS C-SNP) H1526_003 | HMO-POS C-SNP | Gold Kidney Health Plan | $0.00 | — |
| Gold Dialysis & Kidney Complete (HMO-POS C-SNP) H1526_004 | HMO-POS C-SNP | Gold Kidney Health Plan | $4.80 | — |
| Aetna Medicare Dual Select (HMO D-SNP) H1609_019 | HMO D-SNP | Aetna Medicare CVS Health Corporation | $0.00 | 4.5 ★ |
| Aetna Medicare Dual Select (HMO D-SNP) H1609_062 | HMO D-SNP | Aetna Medicare CVS Health Corporation | $0.00 | 4.5 ★ |
| Aetna Medicare Full Dual Select (HMO D-SNP) H1609_092 | HMO D-SNP | Aetna Medicare CVS Health Corporation | $0.00 | 4.5 ★ |
| Longevity Health Plan (HMO I-SNP) H1644_001 | HMO I-SNP | Longevity Health Plan Longevity Health Founders, LLC | $4.80 | — |
| UHC Dual Complete FL-D003 (PPO D-SNP) H1889_002 | PPO D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $4.80 | 4 ★ |
| UHC Dual Complete FL-Y4 (PPO D-SNP) H1889_026 | PPO D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $4.80 | 4 ★ |
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP) H2509_003 | HMO-POS D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 3.5 ★ |
| Advantage Care COPD by Ultimate (HMO C-SNP) H2962_023 | HMO C-SNP | Ultimate Health Plans Ultimate Healthcare Holdings, LLC | $0.00 | 4 ★ |
| Advantage Care by Ultimate (HMO C-SNP) H2962_033 | HMO C-SNP | Ultimate Health Plans Ultimate Healthcare Holdings, LLC | $0.00 | 4 ★ |
| Advantage Plus by Ultimate (Full) (HMO D-SNP) H2962_035 | HMO D-SNP | Ultimate Health Plans Ultimate Healthcare Holdings, LLC | $4.80 | 4 ★ |
| Advantage Plus by Ultimate (Partial) (HMO D-SNP) H2962_036 | HMO D-SNP | Ultimate Health Plans Ultimate Healthcare Holdings, LLC | $0.00 | 4 ★ |
| HealthSpring TotalCare Plus (HMO D-SNP) H5410_047 | HMO D-SNP | HealthSpring Health Care Service Corporation | $4.80 | 3.5 ★ |
| HealthSpring TotalCare (HMO D-SNP) H5410_055 | HMO D-SNP | HealthSpring Health Care Service Corporation | $4.80 | 3.5 ★ |
| Freedom Medi-Medi Partial (HMO D-SNP) H5427_078 | HMO D-SNP | Freedom Health, Inc. Elevance Health, Inc. | $0.00 | 4.5 ★ |
| Freedom VIP Savings (HMO C-SNP) H5427_082 | HMO C-SNP | Freedom Health, Inc. Elevance Health, Inc. | $0.00 | 4.5 ★ |
| Freedom VIP Savings COPD (HMO C-SNP) H5427_083 | HMO C-SNP | Freedom Health, Inc. Elevance Health, Inc. | $0.00 | 4.5 ★ |
| Freedom Medi-Medi Full (HMO D-SNP) H5427_087 | HMO D-SNP | Freedom Health, Inc. Elevance Health, Inc. | $0.00 | 4.5 ★ |
| Freedom VIP Rewards (HMO C-SNP) H5427_108 | HMO C-SNP | Freedom Health, Inc. Elevance Health, Inc. | $0.00 | 4.5 ★ |
| Simply Complete Platinum (HMO D-SNP) H5471_142 | HMO D-SNP | Simply Healthcare Plans, Inc. Elevance Health, Inc. | $0.00 | 4.5 ★ |
| Simply Integrated Platinum (HMO D-SNP) H5471_143 | HMO D-SNP | Simply Healthcare Plans, Inc. Elevance Health, Inc. | $0.00 | 4.5 ★ |
| Optimum Emerald Partial (HMO D-SNP) H5594_016 | HMO D-SNP | Optimum HealthCare, Inc. Elevance Health, Inc. | $0.00 | 4.5 ★ |
| Optimum Emerald Full (HMO D-SNP) H5594_017 | HMO D-SNP | Optimum HealthCare, Inc. Elevance Health, Inc. | $0.00 | 4.5 ★ |
| Optimum Diamond Rewards (HMO C-SNP) H5594_034 | HMO C-SNP | Optimum HealthCare, Inc. Elevance Health, Inc. | $0.00 | 4.5 ★ |
| Optimum Diamond Rewards COPD (HMO C-SNP) H5594_035 | HMO C-SNP | Optimum HealthCare, Inc. Elevance Health, Inc. | $0.00 | 4.5 ★ |
| HumanaChoice Florida SNP-DE H7284-010 (PPO D-SNP) H7284_010 | PPO D-SNP | Humana Humana Inc. | $4.80 | 3.5 ★ |
| HumanaChoice Florida SNP-DE H7617-113 (PPO D-SNP) H7617_113 | PPO D-SNP | Humana Humana Inc. | $0.00 | 4.5 ★ |
| Florida Complete Care (HMO I-SNP) H9986_001 | HMO I-SNP | Florida Complete Care Independent Living Systems, LLC | $4.80 | 3 ★ |
| Florida Complete Care- In The Community (HMO-POS I-SNP) H9986_002 | HMO-POS I-SNP | Florida Complete Care Independent Living Systems, LLC | $4.80 | 3 ★ |
| Florida Complete Care-Duals VIP (HMO-POS D-SNP) H9986_004 | HMO-POS D-SNP | Florida Complete Care Independent Living Systems, LLC | $4.80 | 3 ★ |
| UHC Dual Complete FL-D005 (Regional PPO D-SNP) R0759_003 | Regional PPO D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $4.80 | 3.5 ★ |
MA-PD (34 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| Wellcare Giveback (HMO) H1032_210 | HMO | Wellcare Centene Corporation | $0.00 | 4 ★ |
| Wellcare Simple (HMO) H1032_211 | HMO | Wellcare Centene Corporation | $0.00 | 4 ★ |
| BlueMedicare Classic (HMO) H1035_019 | HMO | Florida Blue HMO Guidewell Mutual Holding Corporation | $0.00 | 4 ★ |
| BlueMedicare Premier (HMO) H1035_048 | HMO | Florida Blue HMO Guidewell Mutual Holding Corporation | $0.00 | 4 ★ |
| Humana Gold Plus H1036-229 (HMO) H1036_229 | HMO | Humana Humana Inc. | $0.00 | 4.5 ★ |
| Humana Gold Plus Giveback H1036-286 (HMO) H1036_286 | HMO | Humana Humana Inc. | $0.00 | 4.5 ★ |
| AARP Medicare Advantage from UHC FL-0006 (HMO-POS) H1045_028 | HMO-POS | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 4.5 ★ |
| AARP Medicare Advantage from UHC FL-001P (HMO-POS) H1045_036 | HMO-POS | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 4.5 ★ |
| AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) H1045_060 | HMO-POS | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 4.5 ★ |
| DEVOTED GIVEBACK 045 FL (HMO) H1290_045 | HMO | Devoted Health Devoted Health, Inc. | $0.00 | 5 ★ |
| DEVOTED CORE 046 FL (HMO) H1290_046 | HMO | Devoted Health Devoted Health, Inc. | $0.00 | 5 ★ |
| DEVOTED CORE 066 FL (HMO) H1290_066 | HMO | Devoted Health Devoted Health, Inc. | $0.00 | 5 ★ |
| Aetna Medicare Select (HMO) H1609_021 | HMO | Aetna Medicare CVS Health Corporation | $0.00 | 4.5 ★ |
| Aetna Medicare Select Extra (HMO-POS) H1609_028 | HMO-POS | Aetna Medicare CVS Health Corporation | $0.00 | 4.5 ★ |
| Aetna Medicare Select (HMO) H1609_063 | HMO | Aetna Medicare CVS Health Corporation | $0.00 | 4.5 ★ |
| AARP Medicare Advantage from UHC FL-0025 (PPO) H2406_017 | PPO | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 4 ★ |
| Premier by Ultimate (HMO) H2962_001 | HMO | Ultimate Health Plans Ultimate Healthcare Holdings, LLC | $0.00 | 4 ★ |
| HumanaChoice Florida H5216-062 (PPO) H5216_062 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| Humana Full Access Giveback H5216-311 (PPO) H5216_311 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| HealthSpring Preferred (HMO) H5410_060 | HMO | HealthSpring Health Care Service Corporation | $0.00 | 3.5 ★ |
| Freedom Platinum Plan Rx (HMO) H5427_088 | HMO | Freedom Health, Inc. Elevance Health, Inc. | $0.00 | 4.5 ★ |
| Freedom Platinum Rewards Plan Rx (HMO) H5427_106 | HMO | Freedom Health, Inc. Elevance Health, Inc. | $0.00 | 4.5 ★ |
| BlueMedicare Select (PPO) H5434_002 | PPO | Florida Blue Guidewell Mutual Holding Corporation | $153.70 | 3.5 ★ |
| BlueMedicare Value (PPO) H5434_026 | PPO | Florida Blue Guidewell Mutual Holding Corporation | $0.00 | 3.5 ★ |
| Aetna Medicare Signature (PPO) H5521_033 | PPO | Aetna Medicare CVS Health Corporation | $0.00 | 4.5 ★ |
| Aetna Medicare Signature (PPO) H5521_273 | PPO | Aetna Medicare CVS Health Corporation | $0.00 | 4.5 ★ |
| Aetna Medicare Signature (PPO) H5521_432 | PPO | Aetna Medicare CVS Health Corporation | $0.00 | 4.5 ★ |
| Aetna Medicare Premier (PPO) H5521_688 | PPO | Aetna Medicare CVS Health Corporation | $74.00 | 4.5 ★ |
| Aetna Medicare Signature Extra (PPO) H5521_704 | PPO | Aetna Medicare CVS Health Corporation | $0.00 | 4.5 ★ |
| Humana Full Access Giveback H7617-110 (PPO) H7617_110 | PPO | Humana Humana Inc. | $0.00 | 4.5 ★ |
| DEVOTED CHOICE GIVEBACK 008 FL (PPO) H9884_008 | PPO | Devoted Health Devoted Health, Inc. | $0.00 | 4.5 ★ |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO) R0759_001 | Regional PPO | UnitedHealthcare UnitedHealth Group, Inc. | $62.00 | 3.5 ★ |
| HumanaChoice R5826-005 (Regional PPO) R5826_005 | Regional PPO | Humana Humana Inc. | $184.00 | 3.5 ★ |
| HumanaChoice R5826-074 (Regional PPO) R5826_074 | Regional PPO | Humana Humana Inc. | $41.00 | 3.5 ★ |
MA (10 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| Wellcare Patriot Giveback (HMO) H1032_239 | HMO | Wellcare Centene Corporation | $0.00 | 4 ★ |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) H2406_130 | PPO | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 4 ★ |
| Humana USAA Honor Giveback (PPO) H5216_256 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| Humana USAA Honor Giveback (PPO) H5216_467 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| Freedom Savings Plan (HMO) H5427_052 | HMO | Freedom Health, Inc. Elevance Health, Inc. | $0.00 | 4.5 ★ |
| BlueMedicare Patriot (PPO) H5434_044 | PPO | Florida Blue Guidewell Mutual Holding Corporation | $0.00 | 3.5 ★ |
| Aetna Medicare Eagle Giveback (PPO) H5521_306 | PPO | Aetna Medicare CVS Health Corporation | $0.00 | 4.5 ★ |
| Humana USAA Honor Giveback (PPO) H7617_108 | PPO | Humana Humana Inc. | $0.00 | 4.5 ★ |
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) R0759_002 | Regional PPO | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 3.5 ★ |
| HumanaChoice R5826-018 (Regional PPO) R5826_018 | Regional PPO | Humana Humana Inc. | $42.00 | 3.5 ★ |
What these figures mean
Base premium: The amount shown is the plan's monthly base premium. Most Medicare enrollees also pay the standard Medicare Part B premium (generally deducted from your Social Security benefit). Higher-income enrollees pay an additional Income-Related Monthly Adjustment Amount (IRMAA). Low-income enrollees may qualify for the Extra Help (LIS) program, which can reduce or eliminate plan premiums and cost-sharing. A $0.00 plan premium does not mean $0 total monthly cost.
CMS star rating: CMS rates Medicare Advantage and Part D plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and drug plan performance. A higher rating is generally better, but the best plan for you also depends on your specific prescriptions, preferred doctors and hospitals, and total cost-sharing. Star ratings reflect the contract's performance across its full service area — not St. Lucie specifically.
MOOP (Maximum Out-of-Pocket): For MA plans, the Maximum Out-of-Pocket limit caps your annual in-network cost-sharing. Not shown in the table above; visible at medicare.gov/plan-compare for each specific plan.
How to compare these plans
Compare plans on the figures shown — base premium, plan type, organization, and CMS star rating. These are sourced from the CMS CY2026 Medicare Landscape Files (RECORDED figures). Atlas Commons does not rank a "best" plan — the right choice depends on your specific doctors, prescriptions, and budget. Use medicare.gov/plan-compare to enter your specific drugs and providers for a complete comparison.
Frequently asked questions
How many Medicare plans are available in St. Lucie, Florida?
For contract year 2026, the CMS Medicare Landscape Files record 91 Medicare Advantage and Part D plans available in St. Lucie, Florida. This count covers all contract types: SNP (47), MA-PD (34), MA (10).
What do Medicare plans cost in St. Lucie, Florida?
Base monthly premiums for plans in St. Lucie range from $0.00 to $184.00 — 67 plans have a $0.00 base premium. These are the plan's base premium only. Your actual monthly cost also includes the Medicare Part B premium (most people pay $174.70/mo in 2026, deducted from Social Security), and may include income-related adjustments (IRMAA) or Low Income Subsidy credits. A $0.00 plan premium does not mean $0 total cost.
How are Medicare plans in St. Lucie, Florida rated?
CMS has assigned Overall star ratings (1–5 stars) to 86 of 91 plans in St. Lucie. The unweighted average overall star rating is 4.2 stars. Star ratings are CMS's quality score — a higher rating generally reflects better performance across quality measures, but the best plan for you depends on your specific prescriptions, preferred providers, and budget. 5 plans in this county do not have an overall CMS rating (typically PDP-only or newly contracted plans).
How do I enroll in a Medicare plan in St. Lucie, Florida?
Use the official Medicare Plan Finder at medicare.gov/plan-compare. Enter your ZIP code to see plans with exact premiums, copays, drug coverage, and provider networks — customized to your situation and drugs. Enrollment periods apply (Annual Enrollment: Oct 15–Dec 7; Special Enrollment Periods for qualifying events). This page shows which plans exist and their base premiums; to enroll, use Medicare's official tool.
Where can I get free, unbiased help choosing a Medicare plan?
Contact your State Health Insurance Assistance Program (SHIP) — a free, unbiased Medicare counseling service available in every state. Call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, 7 days a week. SHIP counselors help you compare plans, understand costs, and make enrollment decisions at no cost.
What to do next
- Compare and enroll: medicare.gov/plan-compare — the official Medicare Plan Finder. Enter your ZIP code, drugs, and providers to compare all plans with exact costs and coverage.
- Free unbiased help: Contact your State Health Insurance Assistance Program (SHIP) — free Medicare counseling in every state — or call 1-800-MEDICARE (1-800-633-4227), 24/7.
- Official source: CMS Medicare Landscape Files — the source of this data.
RECORDED premiums · DETERMINATION star ratings · AGGREGATED plan count. Plan list for St. Lucie, Florida, CY2026. Data generated June 24, 2026.
Machine-readable: JSON-LD · Markdown · Source: CMS Medicare Landscape Files