The Short Version
- Florida Blue offers HMO and PPO plans that differ mainly in their network rules.
- Most BlueMedicare plans include Part D drug coverage, but the Patriot plans do not.
- BlueMedicare Focus is a Special Needs Plan for people with certain qualifying chronic conditions.
- Which plans you can choose from depends on your county.
Florida Blue Medicare Advantage Plans Offered in 2027
Here are the BlueMedicare plan names listed in Florida Blue's published 2027 materials and current plan listings.
Most names are offered in multiple versions, and each version is tied to specific counties.
This is not a complete list of every Florida Blue plan in every county. Each plan is offered only in specific counties, and availability, benefits, and eligibility vary — confirm details in each plan's Summary of Benefits and Evidence of Coverage.
Florida Blue's affiliate, Florida Health Care Plans (FHCP), also offers Medicare HMO plans in select service areas.
HMO vs. PPO: How Florida Blue Plans Differ
The main difference between Florida Blue's HMO and PPO plans is how you access doctors and hospitals.
General plan-type rules. Coverage for specific services, including care outside Florida, is described in each plan's Evidence of Coverage.
An HMO tends to fit people whose doctors are already in the network and who get most of their care close to home.
A PPO tends to fit people who want to see specialists without a referral, keep an out-of-network doctor, or spend part of the year away from home.
Either way, a Medicare Advantage plan is not the same as Original Medicare, so check how the specific plan handles the care you use most.
If you'd rather keep Original Medicare and add separate coverage for its gaps, learn how Medicare Supplement insurance works.
Plans With and Without Drug Coverage
Most BlueMedicare plans include Medicare Part D prescription drug coverage.
The Patriot and Patriot Plus PPO plans do not.
A medical-only plan can make sense for some people who have prescription coverage from another source.
If you enroll in an ordinary Medicare Advantage HMO or PPO without drug coverage, you generally can't add a separate Part D plan — joining one would typically disenroll you from the Medicare Advantage plan.
Before choosing a plan without Part D, confirm that your existing prescription coverage will continue, that it counts as creditable coverage, and how enrolling would affect it.
Going without creditable drug coverage can lead to a Part D late enrollment penalty later.
BlueMedicare Focus: Florida Blue's Chronic Condition Special Needs Plan
BlueMedicare Focus is a Chronic Condition Special Needs Plan (C-SNP), a type of Medicare Advantage plan limited to people with specific qualifying chronic conditions.
C-SNPs organize care around those conditions, and every Special Needs Plan must include Part D drug coverage.
To enroll, your condition generally has to be confirmed by your doctor, and you must live in the plan's service area.
The conditions that qualify for BlueMedicare Focus are listed in the plan's enrollment materials, so check those before assuming you're eligible.
Extra Benefits Beyond Original Medicare
Depending on the plan and county, BlueMedicare plans may include benefits Original Medicare doesn't cover, such as:
- Routine dental, vision, and hearing coverage
- A fitness benefit
- An over-the-counter health products benefit
- Prescription mail-order service
- A member rewards program and online member portal
These extras are not the same across every plan, and some are offered only in select plans.
Additional benefits can be helpful, but they should be considered alongside your access to doctors, hospitals, prescriptions, and other healthcare needs.
Who Actually Provides the Coverage
Florida Blue's PPO plans are offered by Blue Cross and Blue Shield of Florida, Inc., doing business as Florida Blue.
Its HMO plans are offered by a separate affiliate, Florida Blue Medicare, Inc., doing business as Florida Blue Medicare.
That's why an HMO and a PPO from the same brand can have different networks, different documents, and different customer service numbers.
How to Narrow Down Your Florida Blue Options
- Start with your county. Your ZIP code and county decide which BlueMedicare plans you can consider.
- Check your doctors and hospitals. Confirm each provider participates in the specific plan you're considering, not just "Florida Blue" in general.
- Check your prescriptions. Look each medication up in the plan's formulary, and confirm the plan includes Part D at all.
- Think about where you spend the year. If you travel or live part of the year outside Florida, review how each plan covers care away from home.
- Compare more than one plan. Even plans with similar names can have different networks and benefits from one county to the next.
Already a Florida Blue Member?
Your plan should have sent you an Annual Notice of Change explaining what's different for 2027.
If your plan is continuing and you do nothing during Annual Enrollment, you'll generally stay in it for 2027 with those changes applied.
If your plan is ending or not renewing in your area for 2027, you should receive a separate non-renewal notice instead, and you'll need to choose new coverage.
In that situation, you'll generally have a Special Enrollment Period to pick a new plan, and the notice explains your options.
Either way, read your notice carefully, especially any network and drug-list changes.
When You Can Enroll for 2027
The Medicare Annual Enrollment Period runs from October 15 through December 7, 2026, with changes taking effect January 1, 2027.
During this window, you can join, switch, or drop a Medicare Advantage plan.
If you're already in a Medicare Advantage plan on January 1, the Medicare Advantage Open Enrollment Period from January 1 through March 31 gives you one more chance to switch plans or return to Original Medicare.
You may also qualify for other enrollment periods, such as when you first become eligible for Medicare or after certain life events like moving.
To join any Medicare Advantage plan, you must stay enrolled in Medicare Part A and Part B.
If you'd like help choosing a plan and enrolling, you can call us at Policy Guide at 888-414-4547.
