Compare & Enroll — Part C & Part D

Compare & Enroll in Medicare Plans in 32901, FL

With 77 Medicare Advantage options from 14 insurers, 32901, FL has significantly more plan choices than the national average, suggesting a highly competitive market where insurers often lower premiums to attract members. Approximately 94% of local MA plans charge $0 beyond the standard Part B premium, reflecting strong price competition. The 8 hospitals within 25.0 miles provide reasonable inpatient access for most plan networks. We've organized the CMS data below to help you cross-reference plan costs, quality ratings, and local provider access. Compare plans below, and when you're ready, enroll directly at Medicare.gov.

📊 Direct from CMS 🚫 No agents or commissions ✓ Just the data, no sales pitch
Compare Plans at Medicare.gov →

Data freshness: CMS data as of February 2026 • ACS data as of 2023 • CDC PLACES data as of 2025 • Reviewed & approved on 2026-02-16 • Page last updated May 2026
Reviewed by: Wes Ward, Founder & Data Lead • View our methodology

Important: We are not affiliated with Medicare or any government agency. This site displays publicly available CMS data to help you compare plans. We do not sell insurance or represent any insurance company. For official enrollment and complete plan information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).

Important: Plan availability, benefits, and CMS Star Ratings shown here come directly from CMS public files. Plan details can change—always verify with the insurer and at Medicare.gov.
Part C Plans
77
Part D Plans
10
Top MA Star
5.0
Top Drug Star
3.5
Happy senior couple reviewing Medicare plan options together

Medicare Eligibility in 32901, FL

Approximately 8,424 residents (26.2% of the population) in 32901, FL are 65 or older and likely Medicare-eligible. Whether you're approaching 65, already enrolled, or a caregiver comparing options, the plan data below is organized to help you evaluate Part C (Medicare Advantage) and Part D (prescription drug) coverage side by side.

The median household income in 32901, FL is $56,377 (25.0% below the National Average), which may affect eligibility for Extra Help with Part D drug costs.

Part C: Medicare Advantage Plans

Medicare Advantage (Part C) replaces Original Medicare through private insurers who bundle hospital, medical, and often drug coverage into a single plan. 32901, FL's 77 Medicare Advantage plans are predominantly HMO-based (54 HMO vs. 23 PPO), meaning most require referrals and in-network care. 72 plans offer $0 monthly premiums. Quality is strong—the average local star rating is 4.2 out of 5, with the top plan earning 5.0 ★.

Top Medicare Advantage Plans in 32901, FL

We organize CMS plan data into separate leaderboards so you can compare based on what matters most to you. Part C premiums in 32901, FL range from $0 to $54/month. Among rated plans, 56 plans rated 4+ stars, including 5 with perfect 5-star ratings.

Highest CMS Star Ratings

Star Ratings are assigned by CMS based on quality measures including customer service, preventive care, and managing chronic conditions.

Plan NameInsurerStar RatingPremiumType
Freedom Vip Rewards (HMO C-SNP)Freedom Health, Inc.5.0 ★$0.00/moHMO C-SNPEnroll
Freedom Platinum Rewards Plan Rx (HMO)Freedom Health, Inc.5.0 ★$0.00/moHMOEnroll
Devoted Giveback 045 Fl (HMO)Devoted Health5.0 ★$0.00/moHMOEnroll
Freedom Medi-Medi Partial (HMO D-SNP)Freedom Health, Inc.5.0 ★$0.00/moHMO D-SNPEnroll
Devoted Dual Plus 052 Fl (HMO D-SNP)Devoted Health5.0 ★$0.00/moHMO D-SNPEnroll

Lowest Monthly Premium

Lower premiums can save money, but check total costs including deductibles, copays, and MOOP.

Plan NameInsurerMonthly PremiumMOOPStar Rating
Health First Rewards H1099-014 (HMO)Health First Health Plans, Inc.$0.00/mo$3,4004.5 ★
Humana Full Access Giveback H5216-311 (PPO)Humana$0.00/mo$6,7003.5 ★
Aarp Medicare Advantage From Uhc Fl-0007 (HMO-POS)Unitedhealthcare$0.00/mo$3,4004.5 ★
Aarp Medicare Advantage From Uhc Fl-0018 (PPO)Unitedhealthcare$0.00/mo$6,7004.0 ★
Uhc Dual Complete Fl-D002 (HMO-POS D-SNP)Unitedhealthcare$0.00/mo$9,2504.5 ★

Lowest Maximum Out-of-Pocket (MOOP)

MOOP caps your financial risk. Once you hit this limit, the plan covers 100% of covered services for the rest of the year.

Plan NameInsurerMOOP (In-Network)PremiumStar Rating
Freedom Medi-Medi Partial (HMO D-SNP)Freedom Health, Inc.$500$0.00/mo5.0 ★
Freedom Medi-Medi Full (HMO D-SNP)Freedom Health, Inc.$500$0.00/mo5.0 ★
Optimum Emerald Partial (HMO D-SNP)Optimum Healthcare, Inc.$500$0.00/mo4.5 ★
Optimum Emerald Full (HMO D-SNP)Optimum Healthcare, Inc.$500$0.00/mo4.5 ★
Healthspring Totalcare Plus (HMO D-SNP)Healthspring$1,500$0.00/mo3.5 ★

Plan Type Mix in 32901, FL

HMO plans require referrals and in-network care. PPO plans offer more flexibility. SNP (Special Needs Plans) serve specific populations. MAPD plans include drug coverage.

Plan TypeCountPercentageDescription
HMO2127.3%Requires referrals; in-network only
HMO D-SNP1418.2%Medicare Advantage plan
PPO1215.6%No referrals; in and out-of-network
HMO C-SNP79.1%Medicare Advantage plan
Regional PPO56.5%Medicare Advantage plan
HMO-POS56.5%HMO with some out-of-network options
PPO D-SNP45.2%Medicare Advantage plan
HMO-POS D-SNP33.9%Medicare Advantage plan
HMO I-SNP22.6%Medicare Advantage plan
Regional PPO D-SNP11.3%Medicare Advantage plan
HMO-POS I-SNP11.3%Medicare Advantage plan
PPO I-SNP11.3%Medicare Advantage plan
HMO-POS C-SNP11.3%Medicare Advantage plan

Choosing the Right Medicare Advantage Plan

The best Part C plan depends on your doctors, medications, and budget. Key factors to evaluate:

  • Provider network: Verify your doctors and hospitals near 32901, FL are in-network before enrolling
  • Total cost: A $0 premium may have higher copays—calculate your annual cost
  • Star Ratings: 4+ stars indicate above-average quality and member satisfaction

Read our full guide on choosing Medicare Advantage → · Print our enrollment checklist →
Medicare Glossary: HMO, PPO, MOOP & more →

Medicare Advantage Insurers in 32901, FL

14 insurance companies offer Medicare Advantage plans in 32901, FL. Below, we group plans by insurer so you can compare options from each company. More insurers generally means more competition and better benefits for consumers.

Freedom Health, Inc.
Avg Star Rating
5.0 ★
8 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Freedom Savings Plan (HMO)
$0.00/mo
$4,200
5.0 ★
HMO
Freedom Medi-Medi Partial (HMO D-SNP)
$0.00/mo
$500
5.0 ★
HMO D-SNP
Freedom Medicare Plan Rx (HMO)
$0.00/mo
$4,200
5.0 ★
HMO
Freedom Vip Savings (HMO C-SNP)
$0.00/mo
$3,400
5.0 ★
HMO C-SNP
Freedom Medi-Medi Full (HMO D-SNP)
$0.00/mo
$500
5.0 ★
HMO D-SNP
Freedom Platinum Plan Rx (HMO)
$0.00/mo
$1,750
5.0 ★
HMO
Freedom Platinum Rewards Plan Rx (HMO)
$0.00/mo
$3,400
5.0 ★
HMO
Freedom Vip Rewards (HMO C-SNP)
$0.00/mo
$3,400
5.0 ★
HMO C-SNP
Devoted Health
Avg Star Rating
4.9 ★
6 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Devoted Dual 039 Fl (HMO D-SNP)
$0.00/mo
$4,900
5.0 ★
HMO D-SNP
Devoted Giveback 045 Fl (HMO)
$0.00/mo
$6,750
5.0 ★
HMO
Devoted Core 046 Fl (HMO)
$0.00/mo
$4,900
5.0 ★
HMO
Devoted Core 066 Fl (HMO)
$0.00/mo
$4,900
5.0 ★
HMO
Devoted Choice Giveback 008 Fl (PPO)
$0.00/mo
$9,250
4.5 ★
PPO
Devoted Dual Plus 052 Fl (HMO D-SNP)
$0.00/mo
$9,250
5.0 ★
HMO D-SNP
Careplus Health Plans, Inc.
Avg Star Rating
4.5 ★
12 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Careone Plus (HMO-POS)
$0.00/mo
$3,500
4.5 ★
HMO-POS
Careneeds Plus (HMO D-SNP)
$0.00/mo
$3,400
4.5 ★
HMO D-SNP
Carecomplete Platinum (HMO C-SNP)
$0.00/mo
$3,800
4.5 ★
HMO C-SNP
Carebreeze Platinum (HMO C-SNP)
$0.00/mo
$3,800
4.5 ★
HMO C-SNP
Caresalute (HMO)
$0.00/mo
$3,900
4.5 ★
HMO
Carefree Giveback (HMO)
$0.00/mo
$3,850
4.5 ★
HMO
Careaccess (HMO)
$0.00/mo
$3,750
4.5 ★
HMO
Careneeds Platinum (HMO D-SNP)
$0.00/mo
$3,400
4.5 ★
HMO D-SNP
Carecomplete (HMO C-SNP)
$0.00/mo
$2,000
4.5 ★
HMO C-SNP
Careneeds Extra (HMO D-SNP)
$0.00/mo
$9,250
4.5 ★
HMO D-SNP
Carebreeze (HMO C-SNP)
$0.00/mo
$2,000
4.5 ★
HMO C-SNP
Carefree Platinum Giveback (HMO)
$0.00/mo
$4,000
4.5 ★
HMO
Health First Health Plans, Inc.
Avg Star Rating
4.5 ★
4 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Health First Secure H1099-009 (HMO)
$0.00/mo
$3,000
4.5 ★
HMO
Health First Rewards H1099-014 (HMO)
$0.00/mo
$3,400
4.5 ★
HMO
Health First Value H1099-006 (HMO)
$10.00/mo
$3,400
4.5 ★
HMO
Health First Classic H1099-001 (HMO-POS)
$40.60/mo
$3,250
4.5 ★
HMO-POS
Optimum Healthcare, Inc.
Avg Star Rating
4.5 ★
3 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Optimum Diamond Rewards (HMO C-SNP)
$0.00/mo
$6,800
4.5 ★
HMO C-SNP
Optimum Emerald Full (HMO D-SNP)
$0.00/mo
$500
4.5 ★
HMO D-SNP
Optimum Emerald Partial (HMO D-SNP)
$0.00/mo
$500
4.5 ★
HMO D-SNP
Aetna Medicare
Avg Star Rating
4.5 ★
1 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Aetna Medicare Signature (PPO)
$0.00/mo
$5,900
4.5 ★
PPO
Unitedhealthcare
Avg Star Rating
4.0 ★
13 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Uhc Dual Complete Fl-Y5 (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Aarp Medicare Advantage Patriot No Rx Fl-Ma2 (PPO)
$0.00/mo
$8,900
4.0 ★
PPO
Aarp Medicare Advantage From Uhc Fl-0018 (PPO)
$0.00/mo
$6,700
4.0 ★
PPO
Aarp Medicare Advantage Careflex From Uhc Fl-39 (HMO-POS)
$0.00/mo
$6,700
4.5 ★
HMO-POS
Uhc Dual Complete Fl-Y4 (PPO D-SNP)
$0.00/mo
$9,250
4.0 ★
PPO D-SNP
Uhc Dual Complete Fl-D003 (PPO D-SNP)
$0.00/mo
$9,250
4.0 ★
PPO D-SNP
Uhc Nursing Home Plan Fl-F001 (PPO I-SNP)
$0.00/mo
$9,250
4.0 ★
PPO I-SNP
Uhc Dual Complete Fl-D005 (REGIONAL PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
Regional PPO D-SNP
Aarp Medicare Advantage Patriot No Rx Fl-Ma01 (REGIONAL PPO)
$0.00/mo
$9,250
3.5 ★
Regional PPO
Uhc Complete Care Fl-14 (HMO-POS C-SNP)
$0.00/mo
$3,400
4.5 ★
HMO-POS C-SNP
Aarp Medicare Advantage From Uhc Fl-0031 (REGIONAL PPO)
$0.00/mo
$9,250
3.5 ★
Regional PPO
Aarp Medicare Advantage From Uhc Fl-0007 (HMO-POS)
$0.00/mo
$3,400
4.5 ★
HMO-POS
Uhc Dual Complete Fl-D002 (HMO-POS D-SNP)
$0.00/mo
$9,250
4.5 ★
HMO-POS D-SNP
Wellcare
Avg Star Rating
4.0 ★
6 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Wellcare Simple (HMO)
$0.00/mo
$3,500
4.0 ★
HMO
Wellcare Sunshine Health Dual Align (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Wellcare Dual Access Sync (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Wellcare Patriot Giveback (HMO)
$0.00/mo
$5,000
4.0 ★
HMO
Wellcare Dual Reserve (HMO D-SNP)
$0.00/mo
$3,000
4.0 ★
HMO D-SNP
Wellcare Giveback (HMO)
$0.00/mo
$7,200
4.0 ★
HMO
Florida Blue Hmo
Avg Star Rating
4.0 ★
4 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Fhcp Medicare Classic (HMO)
$0.00/mo
$9,250
4.0 ★
HMO
Bluemedicare Premier (HMO)
$0.00/mo
$4,200
4.0 ★
HMO
Fhcp Medicare Rx Plus (HMO-POS)
$0.00/mo
$6,750
4.0 ★
HMO-POS
Bluemedicare Classic (HMO)
$0.00/mo
$6,750
4.0 ★
HMO
Humana
Avg Star Rating
3.8 ★
11 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Humana Full Access Giveback H7617-110 (PPO)
$0.00/mo
$6,700
4.5 ★
PPO
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$6,750
4.5 ★
PPO
Humanachoice Florida H5216-062 (PPO)
$0.00/mo
$4,150
3.5 ★
PPO
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$4,900
3.5 ★
PPO
Humana Full Access Giveback H5216-311 (PPO)
$0.00/mo
$6,700
3.5 ★
PPO
Humanachoice Florida Snp-De H7284-010 (PPO D-SNP)
$0.00/mo
$4,900
3.5 ★
PPO D-SNP
Humanachoice Florida Snp-De H7617-113 (PPO D-SNP)
$0.00/mo
$4,900
4.5 ★
PPO D-SNP
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$6,750
3.5 ★
PPO
Humanachoice R5826-074 (REGIONAL PPO)
$6.20/mo
$7,550
3.5 ★
Regional PPO
Humanachoice R5826-018 (REGIONAL PPO)
$42.00/mo
$7,550
3.5 ★
Regional PPO
Humanachoice R5826-005 (REGIONAL PPO)
$54.40/mo
$6,700
3.5 ★
Regional PPO
Healthspring
Avg Star Rating
3.5 ★
3 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Healthspring Totalcare Plus (HMO D-SNP)
$0.00/mo
$1,500
3.5 ★
HMO D-SNP
Healthspring Totalcare (HMO D-SNP)
$0.00/mo
$3,200
3.5 ★
HMO D-SNP
Healthspring Preferred (HMO)
$0.00/mo
$6,750
3.5 ★
HMO
Florida Blue
Avg Star Rating
3.5 ★
2 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Bluemedicare Patriot (PPO)
$0.00/mo
$6,750
3.5 ★
PPO
Bluemedicare Value (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Florida Complete Care
Avg Star Rating
2.5 ★
3 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Florida Complete Care (HMO I-SNP)
$0.00/mo
$3,400
2.5 ★
HMO I-SNP
Florida Complete Care- In The Community (HMO-POS I-SNP)
$0.00/mo
$3,400
2.5 ★
HMO-POS I-SNP
Florida Complete Care-Duals Vip (HMO-POS D-SNP)
$0.00/mo
$3,400
2.5 ★
HMO-POS D-SNP
Longevity Health Plan
Avg Star Rating
N/A
1 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Longevity Health Plan (HMO I-SNP)
$0.00/mo
$9,250
N/A
HMO I-SNP

Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.

Part D: Prescription Drug Plans (PDP)

Part D covers prescription drugs through standalone plans for those on Original Medicare, or as part of a Medicare Advantage bundle. Among the 10 standalone Part D plans in 32901, FL, some offer $0 annual deductibles while others charge up to the 2026 maximum of $590. 1 plans are at or below the regional premium benchmark, making them eligible for Low Income Subsidy auto-enrollment. The 2026 $2,000 out-of-pocket cap means drug costs are now more predictable regardless of which plan you choose, but formulary coverage still varies significantly—always verify your medications are covered before enrolling.

Part D Formulary Notice: Each Part D plan has its own formulary (list of covered drugs). The same medication may be on different tiers—or not covered at all—depending on the plan. Always check that your specific medications are covered before enrolling.
2026 Out-of-Pocket Cap: Thanks to the Inflation Reduction Act, your total out-of-pocket drug costs are capped at $2,000 per year in 2026. Once you reach this limit, you pay nothing more for covered Part D drugs for the rest of the year. This eliminates the old "donut hole" coverage gap that previously caused higher costs.
Low Income Subsidy (LIS / Extra Help): If you have limited income and resources, you may qualify for Extra Help paying Part D costs. Visit SSA.gov or call 1-800-MEDICARE.

Top Part D Drug Plans in 32901, FL

We organize Part D plans by CMS Star Ratings, premiums, and deductibles so you can find the best fit for your prescription needs. Part D premiums in 32901, FL range from $0 to $217/month. Remember: all Part D plans now cap your annual out-of-pocket drug costs at $2,000 thanks to the Inflation Reduction Act.

Highest CMS Star Ratings (Part D)

Part D Star Ratings measure drug pricing, customer service, member complaints, and pharmacy access.

Plan NameInsurerStar RatingPremiumDeductible
Wellcare Value Script (PDP)Wellcare3.5 ★$0.00/mo$615Enroll
Wellcare Classic (PDP)Wellcare3.5 ★$0.00/mo$615Enroll
Bluemedicare Premier Rx (PDP)Florida Blue3.5 ★$98.60/mo$615Enroll
Bluemedicare Complete Rx (PDP)Florida Blue3.5 ★$217.00/mo$615Enroll
Silverscript Choice (PDP)Aetna Medicare3.0 ★$98.30/mo$615Enroll

Lowest Monthly Premium

Lower premiums help with monthly cash flow, but check drug tier costs and the deductible.

Plan NameInsurerMonthly PremiumDrug DeductibleStar Rating
Wellcare Value Script (PDP)Wellcare$0.00/mo$6153.5 ★
Wellcare Classic (PDP)Wellcare$0.00/mo$6153.5 ★
Humana Value Rx Plan (PDP)Humana$25.90/mo$6013.0 ★
Humana Basic Rx Plan (PDP)Humana$92.70/mo$6153.0 ★
Silverscript Choice (PDP)Aetna Medicare$98.30/mo$6153.0 ★

Lowest Annual Drug Deductible

The deductible is what you pay out-of-pocket before the plan starts covering drug costs. The 2026 maximum Part D deductible is $590. Many plans offer $0 deductible options.

Plan NameInsurerDrug DeductibleMonthly PremiumStar Rating
Humana Premier Rx Plan (PDP)Humana$0$115.90/mo3.0 ★
Aarp Medicare Rx Preferred From Uhc (PDP)Unitedhealthcare$130$119.10/mo2.0 ★
Humana Value Rx Plan (PDP)Humana$601$25.90/mo3.0 ★
Wellcare Classic (PDP)Wellcare$615$0.00/mo3.5 ★
Wellcare Value Script (PDP)Wellcare$615$0.00/mo3.5 ★
Understanding drug tiers: Part D plans organize medications into 5 cost tiers — Tier 1 (Preferred Generic) is cheapest; Tier 5 (Specialty) is most expensive. Two plans with the same premium can have very different costs for your drugs depending on tier placement. Learn more about drug tiers →

Choosing the Right Part D Drug Plan

The right Part D plan depends on your specific medications. Key factors to evaluate:

  • Formulary: Verify your drugs are covered before enrolling
  • Preferred pharmacies: Lower copays at certain locations—check your pharmacy is in-network
  • Total annual cost: Premium + deductible + copays for your drugs

Read our full guide on choosing Part D →
What is a formulary? See our Medicare Glossary →

Part D Drug Plan Insurers in 32901, FL

5 insurance companies offer standalone Part D drug plans in 32901, FL. Below, we group plans by insurer.

Wellcare
Avg Star Rating
3.5 ★
2 plans
From $0.00/mo
Plan
Premium
Deductible
Stars
Type
Wellcare Classic (PDP)
$0.00/mo
$615
3.5 ★
PDP
Wellcare Value Script (PDP)
$0.00/mo
$615
3.5 ★
PDP
Florida Blue
Avg Star Rating
3.5 ★
2 plans
From $98.60/mo
Plan
Premium
Deductible
Stars
Type
Bluemedicare Premier Rx (PDP)
$98.60/mo
$615
3.5 ★
PDP
Bluemedicare Complete Rx (PDP)
$217.00/mo
$615
3.5 ★
PDP
Humana
Avg Star Rating
3.0 ★
3 plans
From $25.90/mo
Plan
Premium
Deductible
Stars
Type
Humana Value Rx Plan (PDP)
$25.90/mo
$601
3.0 ★
PDP
Humana Basic Rx Plan (PDP)
$92.70/mo
$615
3.0 ★
PDP
Humana Premier Rx Plan (PDP)
$115.90/mo
$0
3.0 ★
PDP
Aetna Medicare
Avg Star Rating
3.0 ★
1 plans
From $98.30/mo
Plan
Premium
Deductible
Stars
Type
Silverscript Choice (PDP)
$98.30/mo
$615
3.0 ★
PDP
Unitedhealthcare
Avg Star Rating
2.0 ★
2 plans
From $98.70/mo
Plan
Premium
Deductible
Stars
Type
Aarp Medicare Rx Saver From Uhc (PDP)
$98.70/mo
$615
2.0 ★
PDP
Aarp Medicare Rx Preferred From Uhc (PDP)
$119.10/mo
$130
2.0 ★
PDP

Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.

Ready to Enroll in 32901, FL?

Compare plans side-by-side at Medicare.gov or speak with a licensed Medicare specialist.

Compare Plans at Medicare.gov Call 1-800-MEDICARE

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Pharmacy Access in 32901, FL

Part D plans have preferred pharmacy networks where you'll pay lower copays. Here's a look at pharmacy options in and around 32901, FL.

Total Pharmacies

51
within 5.0 miles

Chain Pharmacies

23
CVS, Walgreens, etc.

Independent Pharmacies

28
locally owned
PharmacyAddress & PhoneDistanceType
WAL-MART STORES EAST LP3550 S BABCOCK ST MELBOURNE, FL 329018204📞 321-172-88300.7 miChain
PACIFICO NATIONAL II INC2275 S BABCOCK ST MELBOURNE, FL 32901📞 800-077-29900.7 miIndependent
MELBOURNE PHARMA2235 S BABCOCK ST MELBOURNE, FL 329015305📞 321-142-62000.7 miIndependent
HOLIDAY CVS LLC19 E NEW HAVEN AVE MELBOURNE, FL 329014403📞 321-140-39410.9 miChain
SPECIALTY PHARMACY SERVICES, INC800 E MELBOURNE AVE MELBOURNE, FL 329015549📞 321-195-20041.2 miIndependent
WALGREEN CO1213 PALM BAY RD MELBOURNE, FL 329053781📞 321-167-46021.2 miChain
BREVARD HEALTH ALLIANCE INC17 SILVER PALM AVE MELBOURNE, FL 329013123📞 321-124-68001.3 miIndependent
PACIFICO NATIONAL INC1515 ELIZABETH ST MELBOURNE, FL 329013000📞 321-187-07231.3 miIndependent
THRIFTY DISCOUNT PHARMACY LLC32 W NEW HAVEN AVE MELBOURNE, FL 329014406📞 321-167-59991.3 miIndependent
VAIDEHI INC1509 S BABCOCK ST MELBOURNE, FL 329013033📞 321-158-55001.4 miIndependent

Pharmacy data from CMS. Network participation varies by plan—always verify with your specific Part D plan.

Local Healthcare Access in 32901, FL

Before choosing a plan, consider the healthcare infrastructure in 32901, FL. Medicare Advantage plans restrict you to in-network hospitals, so understanding local hospital quality helps you pick the right plan — not just the cheapest one.

Note: The facilities below do not indicate which providers are in-network for any specific plan. Always verify network status with your plan before enrolling.

Hospitals Nearby

8
within 25.0 miles

Top-Rated Hospitals near 32901, FL

If hospital access matters to your plan choice, check quality ratings before you enroll. These are the highest CMS-rated hospitals near 32901, FL — click a hospital name to see its full profile and verify it's in your plan's network.

View all 8 hospitals near 32901, FL to check quality before you enroll →

Hospital data from CMS Hospital Compare and Provider of Services file. Distance calculated from center of 32901, FL.

Questions to ask your doctor about Medicare coverage →

Telehealth in 32901, FL: Is Your Internet Ready?

Many Medicare Advantage and some Part D plans now include telehealth benefits, making routine check-ins and prescription refills easier from home. But telehealth requires reliable internet—here's a look at connectivity in 32901, FL. For official guidance on virtual visits, see Telehealth.HHS.gov from the U.S. Department of Health & Human Services.

Internet Coverage in 32901, FL

Fiber Available
64.1%
of households
Cable/DSL Available
99.1%
of households
Top Provider
Wire 3
10.4% coverage
No Broadband
3.8%
of households

Internet coverage data from ISP Reports. View full internet report for 32901, FL.

Medicare-Relevant Demographics in 32901, FL

Understanding 32901, FL's demographics helps contextualize why insurers offer the plans they do. Areas with more seniors and higher incomes tend to attract more insurer competition, while areas with higher Medicaid enrollment may have more Dual-Eligible Special Needs Plans (D-SNP) available.

Total Population
32,127
Population 65+
8,424
26.2% of total
Median Age
42
4.5 years older than the national average
Median Income
$56,377
25.0% below the National Average
On Medicare
6,525
20.3% of residents
On Medicaid
5,543
17.3% of residents
Uninsured
3,461
10.8% of residents
Social Security Recipients
13,997
43.6% of population

Demographic data from U.S. Census Bureau American Community Survey (2023). View full 32901, FL demographics (BestNeighborhood.org).

Community Health in 32901, FL

CDC PLACES population-health estimates for 32901, FL. These indicators influence which Medicare plans tend to perform best here — plans that score well on condition-specific quality measures (diabetes A1c control, blood-pressure control, heart-attack readmission) are usually stronger matches in communities with elevated disease burden.

Diabetes
15.5%
of adults · US avg 12.1%
Heart Disease
9.3%
coronary heart disease · US avg 6.2%
High Blood Pressure
41.1%
of adults · US avg 34.1%

Source: CDC PLACES (2025) — zip-level, population-weighted estimates.

Medicare Plans by Health Condition in 32901, FL

Not every Medicare plan performs equally on every condition. These condition-specific pages rank the plans available in this zip by the CMS quality measures that matter most for each condition:

Top Medicare Doctors in 32901, FL

Medicare-enrolled doctors practicing in or near 32901, FL, ranked by specialty leadership and Medicare patient volume. The plan you pick is only as good as the doctors who accept it — verify your preferred doctors are in-network before enrolling.

See all Medicare doctors near 32901, FL →

Qualify for Both Medicare & Medicaid?

If you are dual-eligible for Medicare and Medicaid, a Dual-Eligible Special Needs Plan (D-SNP) combines both into a single card — typically with $0 premiums, $0 copays, and extra benefits like dental, vision, transportation, and over-the-counter allowances.

View D-SNP Plans in 32901, FL →

Local Medicare FAQ: 32901, FL

Common decision points based on 32901, FL's specific plan market and local healthcare landscape.

How does 32901, FL's Medicare Advantage market compare?

32901, FL has 77 Medicare Advantage plans from 14 insurers. This is significantly above the national average of approximately 57 plans per area, indicating a highly competitive local market. More competition typically means lower premiums and better supplemental benefits for beneficiaries. The local mix includes 54 HMO and 23 PPO plans. Plan availability updates annually during the Medicare Annual Enrollment Period (October 15 – December 7).

Should I choose an HMO or PPO Medicare Advantage plan in 32901, FL?

With 8 hospitals within 25.0 miles, 32901, FL has strong provider density. HMO plans (54 available) typically have lower premiums but require referrals and in-network care. PPO plans (23 available) offer more flexibility to see out-of-network providers at higher cost. In 32901, FL, HMO plans dominate the market, which often means more competitive HMO pricing. Always verify your doctors are in-network before enrolling in any plan.

What's the real cost of $0 premium plans in 32901, FL?

72 plans (94% of available options) in 32901, FL charge $0 beyond the standard Part B premium. This high percentage reflects strong insurer competition in the area. However, $0 premium doesn't mean $0 cost. These plans may have higher copays, coinsurance, or out-of-pocket maximums. In 32901, FL, maximum out-of-pocket limits range from $500 to an average of $5,408. We recommend calculating your total expected annual cost (premium + copays + drug costs) rather than choosing based on premium alone.

How does the 2026 $2,000 drug cap affect 32901, FL beneficiaries?

The Inflation Reduction Act capped annual out-of-pocket drug spending at $2,000 starting in 2025, eliminating the old "donut hole" coverage gap. This applies to all 10 standalone Part D plans in 32901, FL.

What this means locally:

  • Cost predictability — No matter which of the 10 Part D plans you choose, your drug costs are capped at $2,000/year
  • $0 deductible options — Some local plans offer $0 deductibles, meaning coverage starts immediately
  • Low-income options — 1 plans meet the regional benchmark for Extra Help/LIS eligibility

While the out-of-pocket cap standardizes maximum costs, formulary coverage still varies significantly between plans. A drug that costs $5/month on one plan's formulary might cost $50 on another. Always check that your specific medications are covered and compare tier placement before enrolling.

See all Medicare FAQs in our complete guide → · Enrollment checklist →
Medicare Glossary · Enrollment Dates & Deadlines · Doctor Questions

About the Data & Editorial Team

Wes Ward

Wes Ward

Founder & Data Lead

Wes Ward is the founder of InsuranceDataNow.org and reviews all content for data accuracy and methodology compliance.

With 25+ years in data analytics — including work with highly regulated genomic data at Ancestry.com — Wes brings enterprise-level rigor to consumer data tools. He is also a co-founder of BestNeighborhood.org, CrimeGrade.org, and ISPReports.org.

Role: Reviews and approves all content for data accuracy, source verification, and methodology compliance.

View full profile →LinkedIn

Transparency & Disclosures

InsuranceDataNow is an advertising-supported publisher based in South Jordan, Utah. We are not affiliated with or endorsed by Medicare or the U.S. government.

TPMO Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (24 hours a day/7 days a week) to get information on all of your options.

Sources

  • CMS Medicare Plan Finder Data (Part C & D): Plan availability, premiums, deductibles, formularies, and Star Ratings from cms.gov
  • CMS Provider Data: Hospital and pharmacy facility data from data.cms.gov
  • CMS NPPES: Doctor identity, specialties, and addresses from npiregistry.cms.hhs.gov
  • CMS Medicare Provider Utilization & Payment Data: Doctor patient volumes and procedures from data.cms.gov
  • CMS Physician Compare: Doctor-hospital affiliations from data.cms.gov
  • CDC PLACES: Zip-level chronic-condition prevalence (Behavioral Risk Factor Surveillance System estimates) from cdc.gov/places
  • U.S. Census Bureau / American Community Survey: Demographics for 32901, FL from census.gov
  • FCC Broadband Map: Internet availability data from broadbandmap.fcc.gov
  • Telehealth.HHS.gov: Official telehealth guidance from U.S. Dept. of Health & Human Services
  • ISP Reports: Internet provider coverage for 32901, FL from ispreports.org
  • BestNeighborhood.org: Community demographic profiles for 32901, FL from bestneighborhood.org
  • CrimeGrade.org: Block-level safety analytics for 32901, FL from crimegrade.org

All data is sourced from official government databases and trusted third-party providers. Data is updated regularly—see page header for last refresh dates. Read our full methodology →Privacy policy

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