Top Medicare Advantage Plans to Replace AvMed in Florida (2026)By Yahoska Perez | Licensed Medicare Insurance Broker | The Health Experts Insurance, Doral FL

Since your AvMed Medicare Advantage plan ended on January 1, 2026, you're probably asking the same question thousands of Florida seniors are asking right now:

"What's the best Medicare Advantage plan to replace AvMed?"

The good news is that Florida — especially Miami-Dade and Broward — has one of the most competitive Medicare markets in the country. There are strong options available, many with $0 premiums and benefits that are equal to or better than what AvMed offered.

The not-so-good news: with so many plans to choose from, it's easy to pick the wrong one — one that doesn't cover your doctors, doesn't include your medications, or costs more than you expect.

That's exactly why I'm writing this. As a licensed Medicare insurance broker based in Doral, I've been helping South Florida seniors compare and enroll in Medicare plans for years — including many former AvMed members going through this transition right now.

Here's what you need to know.

First: You Can Still Enroll Right Now

Before we get into the plans — if you haven't enrolled in a new plan yet, you are not too late.

Former AvMed members qualify for a Special Enrollment Period (SEP) because AvMed terminated its Medicare plans. You do not have to wait until the Annual Enrollment Period in October. You can enroll today, and coverage can begin quickly.

👉 Get a free plan comparison from a licensed Florida broker →

What to Look for in an AvMed Replacement Plan

AvMed members were used to certain benefits. Before comparing plans, it helps to know what mattered most to you:

• Your doctors — Does the new plan include your primary care physician and specialists?

• Your prescriptions — Is your medication list covered, and at what cost?

• Your monthly premium — Many plans in Florida offer $0 premiums, but costs vary

• Extra benefits — Dental, vision, hearing, OTC cards, grocery allowances, transportation

• Out-of-pocket maximum — How much you'd pay in a worst-case year

No single plan is best for everyone. The right plan depends on your personal situation. That said, here are the carriers with the strongest Medicare Advantage presence in Miami-Dade and Broward right now.

Medicare Advantage Plans in Miami-Dade & Broward for 2026

🏥 Humana Medicare Advantage

Humana is one of the largest Medicare Advantage carriers in Florida and consistently receives high star ratings. Their plans in South Florida often include:

• $0 monthly premiums on many plans

• Strong Part D (prescription drug) formularies

• Dental, vision, and hearing benefits

• OTC and grocery card allowances

• Broad networks covering major hospital systems in Miami-Dade and Broward

  
  

🏥 UnitedHealthcare (AARP Medicare Advantage)

UnitedHealthcare offers plans under the AARP brand and has one of the widest networks in South Florida. Highlights include:

• Access to major health systems including Baptist Health and Cleveland Clinic Florida

• Strong telehealth and virtual care options

• Comprehensive prescription drug coverage

• Fitness benefits (Renew Active)

• $0 premium options available in many ZIP codes

🏥 Aetna Medicare Advantage

Aetna (now part of CVS Health) has expanded significantly in South Florida and offers competitive plans with solid benefits:

• $0 or low-premium plans available

• CVS pharmacy integration for prescription savings

• SilverSneakers fitness program

• Dental, vision, and hearing coverage

• Strong star ratings in the Florida market

🏥 HealthSpring (formerly Cigna) Medicare Advantage

Cigna offers Medicare Advantage plans in South Florida with a focus on preventive care and chronic condition management:

• $0 premium plans available in Miami-Dade and Broward

• Strong chronic condition support programs

• Dental and vision included on most plans

• Healthy Today card for OTC purchases

• Good formulary coverage for specialty medications

.

🏥 Devoted Health

Devoted Health is a Florida-based Medicare Advantage carrier built specifically for seniors. They've grown rapidly in South Florida and have earned strong member satisfaction scores:

• $0 premium plans with comprehensive benefits

• Focused entirely on Medicare — not a side product of a larger insurer

• Personal Devoted Guide — a dedicated member advocate assigned to you

• Strong network in Miami-Dade and Broward

• Competitive prescription drug coverage

🏥 Molina Healthcare Medicare Advantage

Molina is a strong option for seniors in South Florida, particularly those who may also qualify for Medicaid (Dual Eligible Special Needs Plans):

• Competitive $0 premium plans

• Dual Special Needs Plans (D-SNP) for Medicare + Medicaid eligible seniors

• Strong presence in Miami-Dade and Broward

• Solid dental, vision, and transportation benefits

• Spanish-language support available

Medicare Advantage vs. Medicare Supplement: Which Is Right for You?

While Medicare Advantage is the most popular replacement for AvMed — since it's the closest comparison — it's worth knowing that Medicare Supplement (Medigap) is also an option.

Here's the key difference:

	Medicare Advantage	Medicare Supplement
Monthly premium	Often $0	Higher monthly cost
Network	Must use in-network doctors	Any doctor that accepts Medicare
Out-of-pocket max	Yes, capped	Very low with the right plan
Extra benefits	Dental, vision, OTC, etc.	Fewer extras
Best for	Seniors who want low premiums + extras	Seniors who want maximum flexibility

A licensed broker can run both options side by side for your specific doctors and budget so you can decide which structure makes more sense for you.

What I Tell Every Former AvMed Member

When an AvMed member calls me, the first thing I do is ask three questions:

1. Who are your doctors? I check every name against the new plan's network before we go any further.

2. What medications do you take? I pull the formulary for each plan we're considering and compare your drug list line by line.

3. What did you pay with AvMed and what do you want to pay now? I find plans that match your budget — including $0 premium options if that's what you want.

Only then do I make a recommendation. Because the best Medicare Advantage plan in Florida isn't the one with the flashiest TV commercial — it's the one that covers your doctors and your prescriptions at a cost that works for you.

How to Compare Plans — Your Options

Option 1: Use our free Medicare Plan Finder Enter your ZIP code and see what's available in your area in under 2 minutes. No obligation. 👉 Try the Medicare Plan Finder →

Option 2: Book a free consultation Talk to a licensed Florida broker (me or one of my team) who will personally compare plans for your doctors, prescriptions, and budget. Takes about 20 minutes. Always free. 👉 Book your free plan review →

Option 3: Call us directly 📞 1-800-380-6821 — we're available in English and Spanish.

Don't Go Another Day Without Coverage

If you lost your AvMed plan and still don't have a new one, every day without coverage is a risk. But with your Special Enrollment Period still active, you can get this resolved quickly.

The right plan is out there. Let's find it together — at no cost to you.

👉 See replacement plans for AvMed members →

To your health,

Yahoska Perez

Licensed Medicare Insurance Broker The Health Experts Insurance

| Doral, FL 1-800-380-6821 | www.healthexps.com

We do not offer every plan available in your area. Currently we represent organizations which offer products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.