Medicare Advantage Plans in Citrus County, FL:
Your Complete 2027 Guide
For 2027, residents of Citrus County, FL can choose from 35 Medicare Advantage plan options. Of these, 32 cost nothing beyond the Part B premium. Enrollment in the County stands at approximately 15,824, with 80% of plans achieving 4 stars or better. The totals and data on this page do not cover Special Needs Plans. View SNPs available in Citrus County, FL. You can also review all Medicare coverage options available in Citrus County.
- Page Updated
- CMS Quality Ratings
- * CMS reviews Medicare Advantage plans annually with a 5-star rating program. Data sources
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. While using out-of-network doctors or hospitals usually means higher costs, PPOs may appeal to people who want more flexibility in how they access their healthcare.
- Total PPO Plans
- 16
- Average Premium
- $20.19/mo
- Beneficiaries Enrolled
- 5,865
- $0 Premium PPOs
- 13
- Average MOOP
- $7,284
- Most Popular PPO
- AARP Medicare Advantage from UHC FL-0023 (PPO) with 3,523 enrollees
- PPOs Without Drug Coverage
- 8
What is the typical premium for PPO plans available in Citrus?
On average, PPO plans in Citrus cost $20.19 per month.
Which PPO plan do most beneficiaries choose in Citrus?
The most popular PPO in Citrus is AARP Medicare Advantage from UHC FL-0023 (PPO), covering 3,523 beneficiaries.
How many PPO options are offered without drug coverage in Citrus?
8 PPO plans available in Citrus do not include Part D benefits.
Medicare Advantage HMO Plans
Health Maintenance Organization (HMO) plans generally require members to use doctors, hospitals, and other providers within the plan’s network, except in emergencies. Because of this structure, HMOs often come with lower premiums and out-of-pocket costs compared with other plan types.
- Total HMO Plans 16
- Average Premium $0.00/mo
- Beneficiaries Enrolled 7,777
- $0 Premium HMOs 16
- Average MOOP $3,597
- Most Popular HMO Humana Gold Plus Giveback H1036-265 (HMO) with 3,123 enrollees
- HMOs Without Drug Coverage 2
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| DEVOTED CORE 092 FL | $0 | $3,800 | $650 | H1290 092 0 | |
| DEVOTED GIVEBACK 093 FL | $0 | $7,150 | $650 | H1290 093 0 | |
| DEVOTED GIVEBACK EXTRAS 112 FL | $0 | $5,100 | $700 | H1290 112 0 | |
| Humana Gold Plus Giveback H1036-265 | $0 | $2,400 | $0 | H1036 265 1 | |
| Humana Gold Plus Giveback H1036-266 | $0 | $3,400 | $700 | H1036 266 0 | |
| Humana Gold Plus H1036-074 | $0 | $3,550 | $0 | H1036 074 0 | |
| Humana USAA Honor Giveback | $0 | $3,900 | N/A | H1036 119 0 | |
| Optimum Gold Plan | $0 | $4,450 | $0 | H5594 019 0 | |
| Optimum Gold Plus Plan | $0 | $1,900 | $0 | H5594 032 0 | |
| Optimum Gold Rewards Plan | $0 | $1,900 | $0 | H5594 001 0 | |
| Optimum Platinum Plan | $0 | $1,000 | $0 | H5594 002 0 | |
| Aetna Medicare Select | $0 | $3,900 | $200 | H1609 087 0 | |
| Freedom Platinum Plan Rx | $0 | $2,000 | $0 | H5427 093 0 | |
| Freedom Savings Plan | $0 | $4,450 | N/A | H5427 052 0 | |
| BlueMedicare Classic | $0 | $6,750 | $700 | H1035 019 0 | |
| Premier by Ultimate | $0 | $1,900 | $0 | H2962 001 0 |
What is the total number of HMO plans offered in Citrus?
In 2027, Citrus County has 16 HMO plans with 7,777 members.
How much do HMO plans cost on average in Citrus?
The mean monthly HMO premium is $0.00, and 16 have no premium.
Medicare Advantage HMO-POS Plans
HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, but they also permit some use of out-of-network doctors and hospitals. Those services are generally more expensive, but the added access can be valuable for people who don’t want to be fully limited to a single network.
- Total HMO-POS Plans
- 3
- Average Premium
- $0.00/mo
- Beneficiaries Enrolled
- 2,182
- $0 Premium HMO-POS
- 3
- Average MOOP
- $4,783
- Most Popular HMO-POS
- AARP Medicare Advantage from UHC FL-0013 (HMO-POS) with 1,751 enrollees
- HMO-POS Without Drug Coverage
- 0
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC FL-0013 | $0 | $4,450 | $405 | H1045 043 0 | |
| Wellcare Giveback | $0 | $7,200 | $700 | H1032 200 0 | |
| Wellcare Simple | $0 | $2,700 | $700 | H1032 201 0 |
- What is the average monthly premium for HMO-POS plans?
- On average, HMO-POS plans in Citrus cost $0.00 per month.
- Which HMO-POS plan is most popular in Citrus?
- The leading HMO-POS in Citrus is AARP Medicare Advantage from UHC FL-0013 (HMO-POS), with 1,751 members.
- How many HMO-POS plans in Citrus do not include drug coverage?
- There are 0 HMO-POS plans in Citrus without Part D benefits.
The table below shows the quality ratings for Medicare Advantage plans offered in Citrus County, FL for 2027.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 28 | 80% |
| 3 Stars | 7 | 20% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 4.04 | |
Medicare Advantage comes with strict enrollment windows. By knowing when and how to sign up, you’ll avoid missed deadlines and keep your healthcare coverage aligned with your needs.
Understanding Enrollment Windows
- Initial Enrollment Period (IEP): Beginning three months before you turn 65 and lasting until three months after, this is the initial chance to join Medicare. You may also select a Medicare Advantage plan if it fits your needs. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Running from January 1 to March 31 each year, this period allows one change to your current Medicare Advantage coverage or a move back to Original Medicare. Learn more
- Annual Enrollment Period (AEP): This yearly window, running October 15 to December 7, gives you the opportunity to join, switch, or drop Medicare Advantage and Part D plans. Learn more
- Special Enrollment Periods (SEPs): Certain qualifying events, such as a change in residence or loss of existing coverage, may allow you to enroll in or change Medicare Advantage plans outside of the usual enrollment windows. Learn more
Enrollment Options Explained
- Talk with a Licensed Agent: Licensed agents at HealthCompare can explain your Medicare Advantage choices. Reach them at 1-833-748-3201 (TTY 711), Mon-Fri 8AM-10PM, Sat 9AM-8PM EST.
- Contact the Plan Provider Directly: Enrollment can also be completed by calling the plan provider’s customer service line or visiting their official website.
- Use Medicare.gov: The official Medicare website, Medicare.gov, lets you review available plans and complete enrollment online.
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Crystal River, Dunnellon, Floral City, Hernando, Homosassa, Inverness, Lecanto, Beverly Hills, and all other areas of Citrus County, Florida. For a broader view of coverage choices across the state, see Medicare plan options in Florida.
Plans Offered through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpring℠, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare®, Wellcare, WellPoint
- CMS.gov, Landscape Source Files — Version: CY2027 Landscape (202609.1)
- CMS.gov, Medicare Part C & D Performance — Version: 2027 Star Ratings Data Tables
- CMS.gov, Plan Benefits Package — Version: PBP Benefits-2027
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Version: 2026-09
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Landscape file, Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data. Enrollment counts and rankings (such as Top 3 plans by enrollment) are derived from CMS monthly enrollment files and aggregated at the county level.
Medicare.org separates Medicare Advantage (MA/MAPD) plans and Special Needs Plans (SNPs) into different pages for clarity. As a result, plan counts, percentages, and other calculations shown here may differ from the aggregate totals published in the CMS Landscape files. All plan availability and benefit details originate from CMS.
Learn more about how we use CMS data.
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data.
To explore how 2027 Medicare Advantage plans available in Citrus County compare with plans offered elsewhere, you can search the Medicare Advantage plan directory to review options nationwide using the same authoritative data sources.
Medicare.org is owned and operated by Health Network Group, LLC, an Allstate company. Medicare.org provides information only and is not connected with or endorsed by the U.S. Government or the federal Medicare program.
Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard.
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate Medicare coverage interpretation and resolution.