Medicare Advantage

Port St. Lucie's 2027 Medicare Advantage roster: who sells what, by plan type

For 2027, Port St. Lucie is looking at 81 Medicare Advantage plans: 16 new, 26 gone since 2026, and 39 still here but changed on premium, deductible, plan type or name, 15 of them under a new name. Below, how the lineup shifted in St. Lucie County and what to compare, with no plan ranked or recommended.

Medicare AdvantagePort St. Lucie, FL

PORT ST. LUCIE, Fla. — If you're sorting through Medicare Advantage choices for 2027, here's a plain-English look at which insurers are selling plans in your area, what plan types they offer, and whether drug coverage is built in. Port St. Lucie sits inside St. Lucie County, and Medicare Advantage availability is set at the county level. That means every plan listed below is offered countywide, not just inside city limits.

According to the CMS Medicare Advantage Landscape Source File for plan year 2027, 12 carriers are offering 66 Medicare Advantage plans in St. Lucie County. All 66 include prescription drug coverage. The full carrier-by-carrier list appears in the table below.

What's on the shelf in St. Lucie County for 2027

The 2027 lineup includes 66 Medicare Advantage plans from 12 carriers. Of the 2026 plans, 50 continue, 16 are new, 26 are not returning, and 15 have been renamed; 24 continuing plans change something in their terms, spelled out in each plan's Annual Notice of Change. Blue Cross Blue Shield (HCSC) is not offering plans in the county next year. Special Needs Plans remain part of the mix, designed for people who qualify based on things like having both Medicare and Medicaid (D-SNP), living in an institution (I-SNP) or having a specific chronic condition such as diabetes, heart disease or COPD (C-SNP).

Every plan available in the county includes Part D prescription drug coverage. There are no stand-alone Part D plans listed for the county in the 2027 Landscape file, so if you're on Original Medicare and want drug coverage, you would typically look statewide.

Carrier by carrier

Here's how the 66 plans break out among the 12 carriers offering coverage in St. Lucie County for 2027. Every plan named here includes drug coverage.

• Aetna (CVS Health) — 12 plans (HMO, HMO-POS, PPO; 3 Special Needs). Plans include Aetna Medicare Dual Select (HMO D-SNP), Aetna Medicare Eagle Giveback (PPO), Aetna Medicare Full Dual Select (HMO D-SNP), Aetna Medicare Premier (PPO), Aetna Medicare Select (HMO), Aetna Medicare Select Extra (HMO-POS), Aetna Medicare Signature (PPO) and Aetna Medicare Signature Extra (PPO).
• Blue Cross Blue Shield (HCSC) — 3 plans (HMO; 2 Special Needs). Plans include HealthSpring Preferred (HMO), HealthSpring TotalCare (HMO D-SNP) and HealthSpring TotalCare Plus (HMO D-SNP).
• Centene (WellCare) — 6 plans (HMO; 3 Special Needs). Plans include Wellcare Dual Access Sync (HMO D-SNP), Wellcare Dual Reserve (HMO D-SNP), Wellcare Giveback (HMO), Wellcare Patriot Giveback (HMO), Wellcare Simple (HMO) and Wellcare Sunshine Health Dual Align (HMO D-SNP).
• Devoted Health — 6 plans (HMO, PPO; 2 Special Needs). Plans include DEVOTED CHOICE GIVEBACK 008 FL (PPO), DEVOTED CORE 046 FL (HMO), DEVOTED CORE 066 FL (HMO), DEVOTED DUAL 039 FL (HMO D-SNP), DEVOTED DUAL PLUS 052 FL (HMO D-SNP) and DEVOTED GIVEBACK 045 FL (HMO).
• Elevance Health (Anthem) — 14 plans (HMO; 11 Special Needs). Plans include Freedom Medi-Medi Full (HMO D-SNP), Freedom Platinum Plan Rx (HMO), Freedom VIP Rewards (HMO C-SNP), Optimum Diamond Rewards (HMO C-SNP), Optimum Emerald Full (HMO D-SNP), Simply Complete Platinum (HMO D-SNP) and Simply Integrated Platinum (HMO D-SNP), among others.
• Florida Blue — 3 plans (PPO). BlueMedicare Patriot (PPO), BlueMedicare Select (PPO) and BlueMedicare Value (PPO).
• Florida Blue HMO — 2 plans (HMO). BlueMedicare Classic (HMO) and BlueMedicare Premier (HMO).
• Florida Complete Care — 3 plans (HMO, HMO-POS; 3 Special Needs). Florida Complete Care (HMO I-SNP), Florida Complete Care- In The Community (HMO-POS I-SNP) and Florida Complete Care-Duals VIP (HMO-POS D-SNP).
• Gold Kidney Health Plan — 4 plans (HMO-POS; 4 Special Needs). Gold Dialysis & Kidney (HMO-POS C-SNP), Gold Dialysis & Kidney Complete (HMO-POS C-SNP), Gold Heart & Diabetes (HMO-POS C-SNP) and Gold Heart & Diabetes Complete (HMO-POS C-SNP).
• Humana — 18 plans (HMO, PPO; 7 Special Needs). Plans include Humana Dual Integrated (HMO D-SNP), Humana Full Access Giveback (PPO), Humana Gold Plus - Diabetes and Heart (HMO C-SNP), Humana Gold Plus Giveback (HMO), Humana Gold Plus Lung (HMO C-SNP), Humana USAA Honor Giveback (PPO), HumanaChoice Florida (PPO) and several HumanaChoice Regional PPO plans.
• Longevity Health Plan — 1 plan (HMO; 1 Special Needs). Longevity Health Plan (HMO I-SNP).
• Ultimate Health Plans — 5 plans (HMO; 4 Special Needs). Advantage Care by Ultimate (HMO C-SNP), Advantage Care COPD by Ultimate (HMO C-SNP), Advantage Plus by Ultimate (Full) (HMO D-SNP), Advantage Plus by Ultimate (Partial) (HMO D-SNP) and Premier by Ultimate (HMO).
• UnitedHealthcare — 14 plans (HMO-POS, PPO; 7 Special Needs). Plans include AARP Medicare Advantage from UHC (HMO-POS and PPO variants), AARP Medicare Advantage CareFlex from UHC (HMO-POS), AARP Medicare Advantage Patriot No Rx (PPO), UHC Complete Care (HMO-POS C-SNP), UHC Dual Complete plans (HMO-POS and PPO D-SNP variants) and UHC Nursing Home Plan (PPO I-SNP).

The table below lists every plan in full, along with plan type and drug coverage.

Understanding the plan types

You'll see three main plan structures on the local list:

• HMO (Health Maintenance Organization). You generally use in-network doctors and hospitals, and may need a referral to see a specialist.
• HMO-POS (Point of Service). Like an HMO, but with a limited option to see certain out-of-network providers, usually at a higher cost.
• PPO (Preferred Provider Organization). You can see out-of-network providers, though you'll typically pay less when you stay in network.

A "Regional PPO" is a PPO that covers a defined multi-county region. A Special Needs Plan (SNP) is a Medicare Advantage plan tailored to a specific group: D-SNPs serve people with both Medicare and Medicaid, C-SNPs serve people with