Medicare Part D Florida: Your Guide to Drug Plans in 2025
Finding the perfect Medicare Part D plan in Florida can be a tough slog. You've got premiums, deductibles, and formularies to sort through, but don't worry, we've got your back. With 21 Medicare Part D Florida plans available in 2025, we'll help you narrow it down to the one that fits your health needs and budget.
We'll walk you through everything you need to know so you can make a confident, informed decision about your Medicare Part D Florida coverage options.
Medicare Part D Florida: The Complete List
Plan Name | Premium | Deduct. | Benefit | LIS | Gap | Rating |
---|---|---|---|---|---|---|
AARP Medicare Rx Preferred from UHC | $103.50 | $0 | Enhanced | No | No | |
AARP Medicare Rx Saver from UHC | $80.60 | $545 | Basic | No | No | |
AARP Medicare Rx Walgreens from UHC | $57.20 | $410 | Enhanced | No | Yes | |
BlueMedicare Complete Rx | $181.60 | $0 | Enhanced | No | Yes | |
BlueMedicare Premier Rx | $76.70 | $545 | Basic | No | No | |
Cigna Extra Rx | $94.80 | $145 | Enhanced | No | Yes | |
Cigna Saver Rx | $16.80 | $545 | Enhanced | No | No | |
Cigna Secure Rx | $59.70 | $545 | Basic | No | No | |
Clear Spring Health Value Rx | $25.30 | $545 | Basic | Yes | No | |
Humana Basic Rx Plan | $81.70 | $545 | Basic | No | No | |
Humana Premier Rx Plan | $115.10 | $0 | Enhanced | No | Yes | |
Humana Walmart Value Rx Plan | $46.00 | $545 | Enhanced | No | Yes | |
Mutual of Omaha Rx Essential | $24.20 | $545 | Enhanced | No | No | |
Mutual of Omaha Rx Plus | $103.80 | $545 | Basic | No | No | |
Mutual of Omaha Rx Premier | $118.60 | $349 | Enhanced | No | No | |
SilverScript Choice | $52.50 | $545 | Basic | No | No | |
SilverScript Plus | $101.80 | $200 | Enhanced | No | Yes | |
SilverScript SmartSaver | $13.30 | $280 | Enhanced | No | No | |
Wellcare Classic | $37.40 | $545 | Basic | Yes | No | |
Wellcare Medicare Rx Value Plus | $78.90 | $0 | Enhanced | No | No | |
Wellcare Value Script | $0.00 | $545 | Enhanced | No | No |
Essential Facts About Medicare Part D Florida
Medicare Part D Florida plans are all about helping you afford your prescription medications. It's a separate program from Original Medicare, and private insurers call the shots. But don't worry, the Medicare program sets the rules.
In Florida, the average Part D deductible this year is $377. But here's the silver lining: 4 plans offer a zero-dollar deductible, which could save you a good amount upfront, depending on your prescriptions.
A Closer Look at How Medicare Part D Plans Work
Every Medicare Part D plan covers a wide array of medications through a list known as a formulary. A formulary is essentially a catalog of all the drugs that a particular plan covers. Since formularies can vary from plan to plan, it’s important to review yours to ensure it includes the prescriptions you rely on.
Each formulary is also divided into different "tiers," which categorize medications by cost. Typically, drugs in lower tiers come with lower copayments, while those in higher tiers will have higher out-of-pocket expenses.
For instance, Tier 1 might include generic drugs with the lowest copayments, while Tier 2 could feature preferred brand-name medications at a slightly higher cost. Tiers 3, 4, and 5 usually encompass specialty drugs that come with even steeper price points.
What you pay out-of-pocket costs can fluctuate based on several factors, including the plan you select, the tier your medications fall under, and which phase of coverage you’re in—such as the deductible phase or initial coverage phase.
What to Consider When Choosing a Medicare Part D Florida Plan
Finding a Medicare Part D Florida plan that aligns with your individual needs requires careful review of various factors. This ensures that your plan provides the right coverage while minimizing your out-of-pocket costs.
Monthly Premium
The monthly premium is what you pay each month to keep your Medicare Part D plan active, similar to a subscription. While it may be tempting to choose the plan with the lowest premium, it’s crucial to also consider deductibles, copayments, and the extent of coverage.
Lower premiums often come with higher deductibles or more limited coverage, so it's important to find a plan that balances affordable premiums with the coverage you need, helping you avoid surprises later on.
Annual Deductible
The annual deductible is the amount you must pay out of pocket for your prescriptions before your Medicare Part D plan starts contributing.
If you take regular medications, selecting a plan with a lower deductible can save you money over time. However, if you rarely need prescriptions, a higher deductible plan could be more economical.
Drug Formulary
Carefully check the plan’s formulary (list of covered medications) to make sure the drugs you take are on it. Since plans often change their formularies throughout the year, it’s a good practice to review it during the Annual Enrollment Period to confirm your medications are still covered.
Pay special attention to your drug’s tier placement because this directly impacts how much you'll have to pay.
Pharmacy Network
Most plans have preferred pharmacy networks offering reduced medication prices, potentially saving you significant money. Check that the pharmacies you prefer are in the plan’s network and explore if mail-order pharmacy services are an option. This can be particularly beneficial for maintenance medications.
How Florida Part D Plans Work with Other Parts of Medicare
Medicare Part D provides prescription drug coverage, but you may wonder, "How does this fit with my other Medicare benefits?" Let's break it down for you:
Medicare Part A and Part B (Original Medicare)
With Original Medicare, Part A takes care of hospital stays, and Part B covers doctor visits and other medical services, including medications administered during your visit. Part D is designed to step in and cover the cost of prescription drugs you take at home, rounding out your overall coverage and ensuring you're protected on both fronts.
Medicare Supplement Plans
Medicare Supplement plans, or Medigap, help fill in the gaps left by Original Medicare, covering things like copayments, coinsurance, and deductibles. However, they don’t cover everything.
One notable exclusion is prescription drugs. If you want coverage for your medications, you'll need to enroll in a stand-alone Part D plan.
Combining a Medicare Supplement plan with a Part D plan can be especially beneficial if you take multiple prescriptions. Though you’ll pay separate monthly premiums for both, the combined coverage can help provide peace of mind, ensuring that both your medical and drug costs are well-covered.
Medicare Advantage Plans
If you have a Medicare Advantage plan, also known as Part C, Part D works a little differently. Most Medicare Advantage plans include prescription drug coverage, which means your medical and drug coverage are combined under one plan.
However, some Medicare Advantage plans don’t include drug coverage, allowing you to pair the plan with a separate Part D plan.
Whether you choose Original Medicare with a standalone Part D plan or opt for a Medicare Advantage plan with built-in drug coverage, the key is to find the best fit for your needs. Consider your current prescriptions and budget to help guide your decision, ensuring you have the right coverage for your health.
Key Dates for Enrolling in a Medicare Part D Plan
Medicare has specific enrollment periods for signing up or making changes. Here are the key ones to know:
- Initial Enrollment Period (IEP) – Starts three months before your 65th birthday and continues for seven months.
- Annual Enrollment Period (AEP) – From October 15th to December 7th, annually, for making changes to coverage.
- Medicare Advantage Open Enrollment Period – Runs annually from January 1st to March 31st for those with Medicare Advantage.
To learn more, read our Medicare Enrollment Periods Guide
.Getting Assistance With Medicare Part D Florida Enrollment
Navigating and comparing Medicare Part D California plans can be overwhelming at times, but help is just a phone call away. Our team of experienced, licensed insurance agents is here to assist you by phone at 1-877-388-0596, available Monday through Sunday from 8 a.m. to 11 p.m. Eastern Standard Time.
We’re ready to answer your questions, compare plans, and guide you through the enrollment process step by step.
Plans Offered Through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna Healthcare, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, UnitedHealthcare(R), and Wellcare.
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