Medicare Plans in St. Lucie County, Florida — 2027
The short answer: 81 Medicare plans are available in St. Lucie County, Florida for 2027, offered by 11 insurance companies. Monthly premiums range from $0 to $161. 71 of these plans (88%) charge no monthly premium. The lowest in-network out-of-pocket maximum among Medicare Advantage plans in St. Lucie County is $500.
Plans available81
Insurance companies11
Premium range$0 to $161
Median premium$0
$0-premium plans71 (88%)
Plans available in St. Lucie County
| Plan | Insurance company | Plan type | Monthly premium | CMS star rating |
|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO) | UnitedHealthcare | Regional PPO | $0 | 3.5 out of 5 stars |
| AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO) | UnitedHealthcare | PPO | $0 | 4 out of 5 stars |
| AARP Medicare Advantage from UHC FL-0006 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | 4 out of 5 stars |
| AARP Medicare Advantage from UHC FL-001P (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | 4 out of 5 stars |
| AARP Medicare Advantage from UHC FL-0025 (PPO) | UnitedHealthcare | PPO | $0 | 4 out of 5 stars |
| Advantage Care COPD by Ultimate (HMO C-SNP) | Ultimate Health Plans | HMO C-SNP | $0 | 3.5 out of 5 stars |
| Advantage Care by Ultimate (HMO C-SNP) | Ultimate Health Plans | HMO C-SNP | $0 | 3.5 out of 5 stars |
| Advantage Plus by Ultimate (Full) (HMO D-SNP) | Ultimate Health Plans | HMO D-SNP | $0 | 3.5 out of 5 stars |
| Advantage Plus by Ultimate (Partial) (HMO D-SNP) | Ultimate Health Plans | HMO D-SNP | $0 | 3.5 out of 5 stars |
| Aetna Medicare Chronic Care (HMO C-SNP) | Aetna Medicare | HMO C-SNP | $0 | 4 out of 5 stars |
| Aetna Medicare Eagle Giveback (PPO) | Aetna Medicare | PPO | $0 | 4 out of 5 stars |
| Aetna Medicare Full Dual Select (HMO D-SNP) | Aetna Medicare | HMO D-SNP | $0 | 4 out of 5 stars |
| Aetna Medicare Partial Dual Select (HMO D-SNP) | Aetna Medicare | HMO D-SNP | $0 | 4 out of 5 stars |
| Aetna Medicare Select (HMO) | Aetna Medicare | HMO | $0 | 4 out of 5 stars |
| Aetna Medicare Select (HMO) | Aetna Medicare | HMO | $0 | 4 out of 5 stars |
| BlueMedicare Classic (HMO) | Florida Blue HMO | HMO | $0 | 3.5 out of 5 stars |
| BlueMedicare Patriot (PPO) | Florida Blue | PPO | $0 | 3 out of 5 stars |
| BlueMedicare Value (PPO) | Florida Blue | PPO | $0 | 3 out of 5 stars |
| DEVOTED CHOICE GIVEBACK 008 FL (PPO) | Devoted Health | PPO | $0 | 4 out of 5 stars |
| DEVOTED CORE 046 FL (HMO) | Devoted Health | HMO | $0 | 4.5 out of 5 stars |
| DEVOTED CORE 066 FL (HMO) | Devoted Health | HMO | $0 | 4.5 out of 5 stars |
| DEVOTED DUAL 039 FL (HMO D-SNP) | Devoted Health | HMO D-SNP | $0 | 4.5 out of 5 stars |
| DEVOTED DUAL FULL 098 FL (HMO D-SNP) | Devoted Health | HMO D-SNP | $0 | 4.5 out of 5 stars |
| DEVOTED DUAL QMB 052 FL (HMO D-SNP) | Devoted Health | HMO D-SNP | $0 | 4.5 out of 5 stars |
| DEVOTED GIVEBACK 045 FL (HMO) | Devoted Health | HMO | $0 | 4.5 out of 5 stars |
| DEVOTED GIVEBACK EXTRAS 116 FL (HMO) | Devoted Health | HMO | $0 | 4.5 out of 5 stars |
| Florida Complete Care (HMO I-SNP) | Florida Complete Care | HMO I-SNP | $0 | 3 out of 5 stars |
| Florida Complete Care- In The Community (HMO-POS I-SNP) | Florida Complete Care | HMO-POS I-SNP | $0 | 3 out of 5 stars |
| Florida Complete Care-Duals VIP (HMO-POS D-SNP) | Florida Complete Care | HMO-POS D-SNP | $0 | 3 out of 5 stars |
| Freedom Medi-Medi Partial (HMO D-SNP) | Freedom Health, Inc. | HMO D-SNP | $0 | 4 out of 5 stars |
| Freedom Platinum Plan Rx (HMO) | Freedom Health, Inc. | HMO | $0 | 4 out of 5 stars |
| Freedom Platinum Rewards Plan Rx (HMO) | Freedom Health, Inc. | HMO | $0 | 4 out of 5 stars |
| Freedom Savings Plan (HMO) | Freedom Health, Inc. | HMO | $0 | 4 out of 5 stars |
| Freedom VIP Rewards (HMO C-SNP) | Freedom Health, Inc. | HMO C-SNP | $0 | 4 out of 5 stars |
| Freedom VIP Savings (HMO C-SNP) | Freedom Health, Inc. | HMO C-SNP | $0 | 4 out of 5 stars |
| Freedom VIP Savings COPD (HMO C-SNP) | Freedom Health, Inc. | HMO C-SNP | $0 | 4 out of 5 stars |
| Gold Dialysis & Kidney (HMO-POS C-SNP) | Gold Kidney Health Plan | HMO-POS C-SNP | $0 | 2.5 out of 5 stars |
| Gold Heart & Diabetes (HMO-POS C-SNP) | Gold Kidney Health Plan | HMO-POS C-SNP | $0 | 2.5 out of 5 stars |
| Gold Heart & Diabetes Plus (HMO-POS C-SNP) | Gold Kidney Health Plan | HMO-POS C-SNP | $0 | 2.5 out of 5 stars |
| Humana Dual Integrated (HMO D-SNP) | Humana | HMO D-SNP | $0 | 4.5 out of 5 stars |
| Humana Dual Integrated (PPO D-SNP) | Humana | PPO D-SNP | $0 | 3.5 out of 5 stars |
| Humana Dual Select H1036-226 (HMO D-SNP) | Humana | HMO D-SNP | $0 | 4.5 out of 5 stars |
| Humana Dual Select H7284-010 (PPO D-SNP) | Humana | PPO D-SNP | $0 | 3.5 out of 5 stars |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | Humana | HMO C-SNP | $0 | 4.5 out of 5 stars |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | Humana | HMO C-SNP | $0 | 4.5 out of 5 stars |
| Humana Gold Plus Lung (HMO C-SNP) | Humana | HMO C-SNP | $0 | 4.5 out of 5 stars |
| Humana Gold Plus Reach Giveback H1036-286 (HMO) | Humana | HMO | $0 | 4.5 out of 5 stars |
| Humana Gold Plus Reach H1036-229 (HMO) | Humana | HMO | $0 | 4.5 out of 5 stars |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | $0 | 4 out of 5 stars |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | $0 | 4.5 out of 5 stars |
| HumanaChoice Florida H5216-062 (PPO) | Humana | PPO | $0 | 4 out of 5 stars |
| HumanaChoice Florida H5216-472 (PPO) | Humana | PPO | $0 | 4 out of 5 stars |
| HumanaChoice Giveback H5216-311 (PPO) | Humana | PPO | $0 | 4 out of 5 stars |
| HumanaChoice Giveback H7617-110 (PPO) | Humana | PPO | $0 | 4.5 out of 5 stars |
| HumanaChoice Giveback H7617-145 (PPO) | Humana | PPO | $0 | 4.5 out of 5 stars |
| Optimum Diamond Savings (HMO C-SNP) | Optimum HealthCare, Inc. | HMO C-SNP | $0 | 4.5 out of 5 stars |
| Optimum Diamond Savings COPD (HMO C-SNP) | Optimum HealthCare, Inc. | HMO C-SNP | $0 | 4.5 out of 5 stars |
| Optimum Emerald Partial (HMO D-SNP) | Optimum HealthCare, Inc. | HMO D-SNP | $0 | 4.5 out of 5 stars |
| Premier by Ultimate (HMO) | Ultimate Health Plans | HMO | $0 | 3.5 out of 5 stars |
| Simply Complete Platinum (HMO D-SNP) | Simply Healthcare Plans, Inc. | HMO D-SNP | $0 | 4 out of 5 stars |
| Simply Integrated Platinum (HMO D-SNP) | Simply Healthcare Plans, Inc. | HMO D-SNP | $0 | 4 out of 5 stars |
| UHC Complete Care FL-14 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP | $0 | 4 out of 5 stars |
| UHC Dual Complete FL-Q1 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP | $0 | 3.5 out of 5 stars |
| UHC Dual Complete FL-Q3 (Regional PPO D-SNP) | UnitedHealthcare | Regional PPO D-SNP | $0 | 3.5 out of 5 stars |
| UHC Dual Complete FL-QV2 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | $0 | 4 out of 5 stars |
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | $0 | 4 out of 5 stars |
| Wellcare Giveback (HMO-POS) | Wellcare | HMO-POS | $0 | 4 out of 5 stars |
| Wellcare Simple (HMO-POS) | Wellcare | HMO-POS | $0 | 4 out of 5 stars |
| Wellcare Sunshine Health Dual Access (HMO-POS D-SNP) | Wellcare | HMO-POS D-SNP | $0 | 4 out of 5 stars |
| Wellcare Sunshine Health Dual Align (HMO D-SNP) | Wellcare | HMO D-SNP | $0 | 4 out of 5 stars |
| Wellcare Sunshine Health Dual Reserve (HMO-POS D-SNP) | Wellcare | HMO-POS D-SNP | $0 | 4 out of 5 stars |
| UHC Nursing Home Plan FL-F001 (PPO I-SNP) | UnitedHealthcare | PPO I-SNP | $6.10 | 5 out of 5 stars |
| Gold Dialysis & Kidney Complete (HMO-POS C-SNP) | Gold Kidney Health Plan | HMO-POS C-SNP | $7.30 | 2.5 out of 5 stars |
| Gold Heart & Diabetes Complete (HMO-POS C-SNP) | Gold Kidney Health Plan | HMO-POS C-SNP | $7.30 | 2.5 out of 5 stars |
| Longevity Health Plan (HMO I-SNP) | Longevity Health Plan | HMO I-SNP | $7.30 | 5 out of 5 stars |
| UHC Dual Complete FL-Y7 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP | $7.30 | 3.5 out of 5 stars |
| Wellcare Sunshine Health Dual Align Unity (HMO D-SNP) | Wellcare | HMO D-SNP | $7.30 | 4 out of 5 stars |
| HumanaChoice R5826-018 (Regional PPO) | Humana | Regional PPO | $9 | 4 out of 5 stars |
| HumanaChoice R5826-074 (Regional PPO) | Humana | Regional PPO | $35 | 4 out of 5 stars |
| AARP Medicare Advantage from UHC FL-0031 (Regional PPO) | UnitedHealthcare | Regional PPO | $127 | 3.5 out of 5 stars |
| HumanaChoice R5826-005 (Regional PPO) | Humana | Regional PPO | $161 | 4 out of 5 stars |
Source: CMS CY2027 Landscape Source File, data as of October 18, 2026. Plan information is based on publicly available information from Medicare.gov. Premiums and plan availability are subject to change as contracts are finalized.
How St. Lucie County compares with Florida
St. Lucie County has 81 Medicare plans for 2027, compared with a Florida county average of about 58 plans. Across Florida, premiums run from $0 to $326 and 82% of plan listings charge $0. In St. Lucie County the median monthly premium is $0, and residents can choose from 11 insurance companies.
Insurance companies in St. Lucie County
- Humana — 19 plans
- UnitedHealthcare — 13 plans
- Freedom Health — 12 plans
- Devoted Health — 8 plans
- Wellcare — 6 plans
- Aetna — 6 plans
- Gold Kidney Health Plan — 5 plans
- Ultimate Health Plans — 5 plans
- Florida Blue — 3 plans in St. Lucie County — see statewide line-up
- Florida Complete Care — 3 plans in St. Lucie County — see statewide line-up
- Longevity Health Plan — 1 plan in St. Lucie County — see statewide line-up
Special Needs Plans in St. Lucie County
46 of the plans in St. Lucie County are Special Needs Plans: 25 Dual Special Needs Plans (for people with both Medicare and Medicaid); 17 Chronic Condition Special Needs Plans; 4 Institutional Special Needs Plans. Eligibility for these plans is limited to the group each plan serves. See the Dual Special Needs Plans guide and the Medicare Savings Programs guide for how qualification works.
Frequently asked questions
- How many Medicare Advantage plans are available in St. Lucie County in 2027?
- 81 Medicare plans are available in St. Lucie County, Florida for 2027, offered by 11 insurance companies.
- What is the lowest Medicare Advantage premium in St. Lucie County?
- The lowest monthly premium in St. Lucie County is $0, charged by Wellcare Sunshine Health Dual Reserve (HMO-POS D-SNP).
- How many $0-premium Medicare plans are in St. Lucie County?
- 71 of the 81 Medicare plans in St. Lucie County (88%) charge no monthly premium.
- What is the lowest out-of-pocket maximum in St. Lucie County?
- The lowest in-network out-of-pocket maximum among Medicare Advantage plans in St. Lucie County for 2027 is $500, on Advantage Plus by Ultimate (Full) (HMO D-SNP).
- Which insurance companies offer Medicare plans in St. Lucie County?
- The insurance companies offering Medicare plans in St. Lucie County for 2027 are: Humana (19 plans), UnitedHealthcare (13 plans), Freedom Health (12 plans), Devoted Health (8 plans), Wellcare (6 plans), Aetna (6 plans), Gold Kidney Health Plan (5 plans), Ultimate Health Plans (5 plans), Florida Blue (3 plans), Florida Complete Care (3 plans), Longevity Health Plan (1 plans).
- Are there Special Needs Plans in St. Lucie County?
- Yes. 46 Special Needs Plans are offered in St. Lucie County for 2027: 25 Dual Special Needs Plans (for people with both Medicare and Medicaid); 17 Chronic Condition Special Needs Plans; 4 Institutional Special Needs Plans.
- What is the lowest Part D deductible in St. Lucie County?
- The lowest Part D deductible among plans with drug coverage in St. Lucie County for 2027 is $0.
Nearby counties
- Medicare plans in Indian River County
- Medicare plans in Martin County
- Medicare plans in Okeechobee County
Source: CMS CY2027 Landscape Source File, data as of October 18, 2026. Plan information is based on publicly available information from Medicare.gov. Premiums and plan availability are subject to change as contracts are finalized.
About star ratings: Medicare evaluates plans every year and rates them on a 5-star system based on quality and performance. Star ratings shown on this page are the official CY2027 ratings published by CMS. A plan with no rating shown has not yet been rated by CMS.
Talk with a licensed agent about the plans in your area: call 1-866-340-3441.