Yes, Aetna and Humana both offer Medicare Advantage plans in Florida for 2025

Both Aetna and Humana are active Medicare Advantage insurers in Florida, and both companies offer multiple plan options across the state. However, the specific plans available to you depend on your ZIP code — not every plan is offered everywhere in Florida, and coverage areas can shift year to year. The plans each company offers, their costs, and their networks of doctors and hospitals all vary by location.

To find out which Aetna or Humana Medicare Advantage plans are actually available where you live, you will need to enter your ZIP code into Medicare.gov's plan finder tool or contact the companies directly. This is the only way to see your real options and compare them side by side.

Key Takeaways

  • Both Aetna and Humana operate Medicare Advantage plans throughout Florida, but availability depends entirely on your ZIP code.
  • Each company typically offers multiple plan types — HMO, PPO, and PFFS — with different costs, deductibles, and doctor networks.
  • Plan details change every year, so you should check your options during the annual enrollment period (October 15 to December 7) even if you already have a plan.
  • Medicare.gov's plan finder is the official source for seeing which plans are available in your area and comparing their premiums, copays, and covered services.
  • You can also call Aetna (1-800-MEDICARE) or Humana (1-800-MEDICARE) directly to ask about plans in your ZIP code.

How to check what Aetna and Humana plans are available in your area

The fastest way is to go to Medicare.gov and use the "Find Care Providers and Suppliers" or "Compare Plans" tool. Enter your ZIP code, and the tool will show you every Medicare Advantage plan available in your area, including all Aetna and Humana options. You will see the monthly premium, annual deductible, copays for doctor visits and prescriptions, and whether your current doctors are in the plan's network.

If you prefer to talk to someone, call 1-800-MEDICARE (1-800-633-4227). Medicare representatives can tell you which Aetna and Humana plans serve your ZIP code and answer questions about specific coverage. You can also contact Aetna and Humana directly — both have customer service lines that can walk you through their Florida plans.

What to compare between Aetna and Humana plans

Monthly premium is usually the first number people look at, but it is not the only cost. A plan with a low or zero premium might have high copays for doctor visits or prescriptions, or a high deductible you have to meet before coverage kicks in. Write down the monthly cost, the annual deductible, the copay for a primary care visit, the copay for a specialist, and the copay for a 30-day supply of your regular medications.

Network matters just as much. If your current doctor does not take the plan, you will have to switch or pay out of pocket. Use the plan's provider directory (usually on the company's website) to search for your doctor by name, or call the plan and ask whether your doctor is in network. Some Aetna and Humana plans are HMOs, which require you to pick a primary care doctor and get referrals to see specialists. Others are PPOs, which let you see any doctor in the network without a referral.

Prescription drug coverage varies significantly between plans. If you take medications regularly, check the plan's formulary — the list of covered drugs — to make sure your prescriptions are covered and at what tier (tier 1 is usually cheapest, tier 5 most expensive).

The difference between Aetna and Humana Medicare Advantage plans

Both companies operate similarly: they contract with Medicare to offer coverage, they use networks of doctors and hospitals, and they charge premiums and copays. The main differences are in which specific plans they offer, which doctors and hospitals are in their networks, and how they handle prescription drugs and extra benefits.

Aetna Medicare Advantage plans in Florida typically include HMO and PPO options, and some include dental, vision, and hearing coverage as add-ons. Humana also offers HMO and PPO plans in Florida, and many of their plans include supplemental benefits like fitness programs or over-the-counter allowances.

The best way to know which company's plans are right for you is to compare the actual plans available in your ZIP code. A plan from one company might be a better fit than a plan from the other, depending on your doctors, your medications, and what extra benefits matter to you.

When to review and change your plan

Medicare's annual enrollment period runs from October 15 to December 7 each year. During this window, you can switch from one Medicare Advantage plan to another, or from Medicare Advantage to Original Medicare. Changes take effect January 1 of the following year.

Even if you are happy with your current plan, it is worth checking your options every year. Aetna and Humana may add or drop plans, change their networks, adjust copays, or modify their prescription drug coverage. A plan that was a good fit last year might not be this year, or a new plan might offer better coverage for your situation.

If you miss the October 15 to December 7 window, you generally cannot switch plans until the next enrollment period. There are a few exceptions — if you move, lose your current coverage, or have a may have access to life event — but these are limited. Mark your calendar and review your options during the official enrollment period.

What happens if you cannot find an Aetna or Humana plan in your area

Some rural parts of Florida may have limited Medicare Advantage options, or Aetna and Humana may not serve your specific ZIP code. If that is the case, you have other choices. Other insurers offer Medicare Advantage plans in Florida, including UnitedHealthcare, Cigna, and regional plans. You can also stay on Original Medicare (the federal program run by Medicare itself) and add a Medigap supplemental policy and a separate prescription drug plan if you want.

If you live in an area where Medicare Advantage options are very limited, Original Medicare plus Medigap may actually give you more flexibility to see any doctor you want. Talk through the trade-offs with a Medicare counselor — many are free through your State Health Insurance information Program (SHIP).

Frequently Asked Questions

Can I switch from an Aetna plan to a Humana plan mid-year?

No, not unless you have a may have access to event like moving, losing coverage, or getting married. Otherwise, you can only switch during the annual enrollment period from October 15 to December 7. If you want to change plans, mark your calendar and make the switch during that window.

Do Aetna and Humana Medicare Advantage plans cover prescription drugs?

Most do, but not all. Some plans include prescription drug coverage built in; others require you to add a separate prescription drug plan. Check the plan details on Medicare.gov or call the company to confirm what drugs are covered and at what cost for your specific medications.

What if my doctor is not in the Aetna or Humana network?

If your doctor is not in the network, you would have to pay out of pocket to see them, or switch to a plan that includes your doctor. Before you choose a plan, always check the provider directory to make sure your current doctors are covered. If they are not, consider a different plan or Original Medicare.

Are there extra benefits like dental or vision with Aetna and Humana plans?

Many Aetna and Humana Medicare Advantage plans in Florida include supplemental benefits like dental, vision, hearing, or fitness programs, but not all do. Check the specific plan details on Medicare.gov to see what extra benefits are included and whether there are any costs or limits.

How do I know if a plan is available in my ZIP code?

Use the plan finder tool on Medicare.gov and enter your ZIP code, or call 1-800-MEDICARE. These are the only reliable ways to see which Aetna, Humana, and other plans actually serve your area. Availability changes by location and year.