Medicare Advantage

How many Medicare Advantage plans serve Bonita Springs

People in Bonita Springs can choose from 67 Medicare Advantage plans for 2027, against 78 this year. 24 of this year’s plans are gone, 13 are new to Lee County, and 35 that continue have changed their premium, deductible, plan type or name, 12 of them under a new name.

BONITA SPRINGS, Fla. — If you're sorting through Medicare choices this fall, here's the lay of the land close to home. Bonita Springs sits in Lee County, where 55 Medicare Advantage plans are available for 2027, according to the Centers for Medicare & Medicaid Services (CMS) plan landscape data. That's a lot of ground to cover — but with a simple approach, you can narrow it down without feeling overwhelmed.

This article is about the counts — how many options exist and where to find neutral help. It does not rank plans or point you to any specific one.

How many Medicare options are in the Bonita Springs area?

Because Medicare Advantage and Part D availability is set by county, Bonita Springs residents look at the Lee County numbers on Medicare.gov. For 2027, CMS lists:

• 55 Medicare Advantage plans available in Lee County
• 11 carriers offering Medicare Advantage in the county
• 10 stand-alone Part D plans available to Lee County residents as part of Florida's statewide list for 2026, sold statewide (double-check this on Medicare.gov when you shop, as filings can shift)

Lee County is home to roughly 236,549 residents age 65 and older, so it's not surprising that carriers compete hard here.

What all those numbers actually mean

The plan count is a menu, not a to-do list. You don't need to compare 78 plans one by one. Most people can shorten the list quickly by answering a few personal questions:

• Which doctors and hospitals do I want to keep?
• Which prescriptions do I take, and are they on the plan's drug list?
• Do I travel or split time between states?
• Am I comfortable with a network (HMO/PPO), or do I want Original Medicare with a Medigap policy and a stand-alone drug plan?

Once you filter by your own doctors, drugs, and pharmacies, the list of plans that actually fit you tends to shrink dramatically.

A word about Star Ratings

CMS rates Medicare Advantage and Part D contracts on a 1-to-5 scale based on things like customer service, member complaints, and preventive care. Ratings can be useful context, but they're one input among many — a highly-rated plan that doesn't cover your doctor isn't the right plan for you. You can view current Star Ratings on Medicare.gov.

Key program facts to keep in mind

These are program-wide rules, not plan-specific promises:

• Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027. Once your out-of-pocket drug spending hits that limit, you pay nothing for covered Part D drugs the rest of the year.
• Part D maximum deductible: $615 in 2026 and $700 in 2027 (plans may charge less).
• The "donut hole" is gone as of 2025. Part D now has three phases: deductible, initial coverage, and catastrophic.
• Medicare Prescription Payment Plan: an optional program that lets you spread your drug costs across the calendar year in monthly installments instead of paying at the pharmacy counter.
• IRMAA: higher-income beneficiaries pay an extra amount for Part B and Part D. For 2026, IRMAA generally begins above $109,000 in income for a single filer.

Dates that matter

• Annual Enrollment Period (AEP): October 15 – December 7, 2026. This is when most people switch, join, or drop a Medicare Advantage or Part D plan for 2027.
• Medicare Advantage Open Enrollment Period: January 1 – March 31. If you're already in a Medicare Advantage plan, you get one chance during this window to switch to another Medicare Advantage plan or go back to Original Medicare (and add a Part D plan).

How to work through 55 plans without losing your weekend

A simple, low-stress approach:

1. Start at Medicare.gov/plan-compare. Log in with your Medicare account so it can pull your drug list and preferred pharmacies. 2. Enter your ZIP code (Bonita Springs) and your medications. The tool sorts plans by estimated annual cost based on your drugs — not a generic average. 3. Check the provider directory for each plan you're considering. Call your doctor's office to confirm they'll accept the plan in 2027. 4. Get free, unbiased help from Florida's SHINE program (Florida's State Health Insurance Assistance Program, or SHIP). SHINE counselors are trained volunteers who don't sell insurance.