
Wondering how to choose the right Medicare plan?
There are many things to look into when you’re shopping for Medicare plans. Ultimately, what matters is finding a plan that fits your lifestyle and meets your unique needs. We offer a variety of Medicare plans to help you pick the best plan for you.
How to Pick a Medicare Plan
Consider these factors when looking for the right Medicare plan.
Cost
What is the overall cost of the plan, from your monthly premium to out-of-pocket expenses like deductible, copayments, and coinsurance?
Benefits
Do you want a plan that offers extra benefits like vision, dental and hearing? Are you interested in fitness programs, ways to save money and wellness incentives?
Doctors and Hospital Choice
Do you want to be able to choose the doctors you prefer to see? Do you want a primary care physician (PCP) coordinating your care?
Prescription Drugs
Is a Medicare prescription drug plan provided? If you take regular prescriptions, are they on the formulary?
Travel
Do you travel often or have a home in another state? Do you need a larger provider network to cover you?
Convenience
Are providers who accept Medicare located nearby? Can you get prescription or specialty drugs through the mail?
When it comes to picking a Medicare plan, know that you have options to get the coverage you need.
Option 1
Want to find a plan that best meets your specific needs? Consider selecting and purchasing different types of Medicare coverage.
Part A
Hospital Insurance
Original Medicare Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
In-patient hospital care or skilled nursing facility
No Premium*
*For most people receiving social security benefits
Part B
Medical Insurance
Original Medicare Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.
Covers doctor's visits plus many outpatient services
Monthly Premium
Part D
Prescription Drug
Covers prescription drugs
Cost varies by plan
Medicare Supplement
(also called Medigap)
Helps pay out-of-pocket health expenses not covered by Parts A and B
Cost varies by plan
Option 2
What if you could have everything Medicare offers rolled into one simple plan? It could be more convenient and efficient for you to choose a Medicare Advantage plan.
Part C
Medicare Advantage
Covers everything in Part A and Part B, plus extra benefits, like vision, hearing, and dental services, and may include prescription drug coverage.
Use our Online Provider Directory to see if your doctors and specialists are in-network.
Explore the types of Medicare plans available to you to help you make a confident decision.
Have questions about Medicare?
Request a call from a licensed agent.
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Guides to help you understand Medicare.

Medicare Basics Guide
Florida Blue provides the information you need to choose the Medicare plan that meets your needs and budget. Download >

Medicare & You
U.S. government handbook on Medicare benefits, rights, and protections, available health plans and more. Download >