Medicare plans in Charlotte County, FL
33 special needs plans are approved for Charlotte County, and 21 of them have no monthly premium. 31 carry a CMS star rating.
53.0% of the 81,731 people eligible for Medicare in Charlotte County are already in a Medicare Advantage plan (September 2026).
All plans · Medicare Advantage · Special Needs Plans · Part D drug plans
| Plan | Premium a month | Most you can pay a year | Drug deductible | Stars | Enrolled here |
|---|---|---|---|---|---|
| Humana Gold Plus SNP-DE H1036-285 (HMO D-SNP) Humana · HMO D-SNP |
$0 | $3,400 | $530 | 4.5/5 | 124 |
| Humana Gold Plus Lung (HMO C-SNP) Humana · HMO C-SNP |
$0 | $3,300 | $615 | 4.5/5 | 316 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · HMO C-SNP |
$0 | $3,300 | $615 | 4.5/5 | 964 |
| Humana Gold Plus SNP-DE H1036-314 (HMO D-SNP) Humana · HMO D-SNP |
$0 | $3,400 | $0 | 4.5/5 | 736 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · HMO C-SNP |
$0 | $3,300 | $615 | 4.5/5 | 414 |
| Humana Dual Integrated (HMO D-SNP) Humana · HMO D-SNP |
$0 | $9,250 | $0 | 4.5/5 | 136 |
| UHC Dual Complete FL-D002 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP |
$0 | $9,250 | $442 | 4.5/5 | 1,085 |
| UHC Complete Care FL-14 (HMO-POS C-SNP) UnitedHealthcare · HMO-POS C-SNP |
$0 | $3,400 | $270 | 4.5/5 | 808 |
| Aetna Medicare Dual Select (HMO D-SNP) Aetna Medicare · HMO D-SNP |
$0 | $9,250 | $615 | 4.5/5 | 276 |
| Aetna Medicare Full Dual Select (HMO D-SNP) Aetna Medicare · HMO D-SNP |
$0 | $9,250 | $615 | 4.5/5 | 23 |
| Freedom Medi-Medi Partial (HMO D-SNP) Freedom Health, Inc. · HMO D-SNP |
$0 | $500 | $615 | 4.5/5 | 90 |
| Freedom VIP Savings (HMO C-SNP) Freedom Health, Inc. · HMO C-SNP |
$0 | $3,400 | $0 | 4.5/5 | 331 |
| Freedom VIP Savings COPD (HMO C-SNP) Freedom Health, Inc. · HMO C-SNP |
$0 | $3,400 | $0 | 4.5/5 | 61 |
| Freedom Medi-Medi Full (HMO D-SNP) Freedom Health, Inc. · HMO D-SNP |
$0 | $500 | $615 | 4.5/5 | 13 |
| Simply Complete Platinum (HMO D-SNP) Simply Healthcare Plans, Inc. · HMO D-SNP |
$0 | $500 | $615 | 4.5/5 | Fewer than 11 |
| Simply Integrated Platinum (HMO D-SNP) Simply Healthcare Plans, Inc. · HMO D-SNP |
$0 | $500 | $615 | 4.5/5 | Fewer than 11 |
| Optimum Emerald Partial (HMO D-SNP) Optimum HealthCare, Inc. · HMO D-SNP |
$0 | $500 | $615 | 4.5/5 | 14 |
| Optimum Emerald Full (HMO D-SNP) Optimum HealthCare, Inc. · HMO D-SNP |
$0 | $500 | $615 | 4.5/5 | Fewer than 11 |
| Optimum Diamond Rewards (HMO C-SNP) Optimum HealthCare, Inc. · HMO C-SNP |
$0 | $6,800 | $0 | 4.5/5 | Fewer than 11 |
| Optimum Diamond Rewards COPD (HMO C-SNP) Optimum HealthCare, Inc. · HMO C-SNP |
$0 | $6,800 | $0 | 4.5/5 | Fewer than 11 |
| UHC Dual Complete FL-Y5 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP |
$0 | $9,250 | $615 | 3.5/5 | 551 |
| UHC Nursing Home Plan FL-F001 (PPO I-SNP) UnitedHealthcare · PPO I-SNP |
$4.80 | $9,250 | $615 | 4.5/5 | 120 |
| Wellcare Dual Reserve (HMO D-SNP) Wellcare · HMO D-SNP |
$4.80 | $3,000 | $615 | 4.0/5 | 12 |
| Wellcare Dual Access Sync (HMO D-SNP) Wellcare · HMO D-SNP |
$4.80 | $9,250 | $615 | 4.0/5 | 13 |
| Wellcare Sunshine Health Dual Align (HMO D-SNP) Wellcare · HMO D-SNP |
$4.80 | $9,250 | $615 | 4.0/5 | 20 |
| UHC Dual Complete FL-D003 (PPO D-SNP) UnitedHealthcare · PPO D-SNP |
$4.80 | $9,250 | $615 | 4.0/5 | 448 |
| UHC Dual Complete FL-Y4 (PPO D-SNP) UnitedHealthcare · PPO D-SNP |
$4.80 | $9,250 | $615 | 4.0/5 | 226 |
| HumanaChoice Florida SNP-DE H5216-394 (PPO D-SNP) Humana · PPO D-SNP |
$4.80 | $4,900 | $615 | 3.5/5 | 146 |
| HealthSpring TotalCare Plus (HMO D-SNP) HealthSpring · HMO D-SNP |
$4.80 | $1,500 | $615 | 3.5/5 | Fewer than 11 |
| HealthSpring TotalCare (HMO D-SNP) HealthSpring · HMO D-SNP |
$4.80 | $4,500 | $615 | 3.5/5 | Fewer than 11 |
| UHC Dual Complete FL-D005 (Regional PPO D-SNP) UnitedHealthcare · Regional PPO D-SNP |
$4.80 | $9,250 | $615 | 3.5/5 | 14 |
| Longevity Health Plan (HMO I-SNP) Longevity Health Plan · HMO I-SNP |
$4.80 | $9,250 | $615 | Not enough data to rate | Fewer than 11 |
| American Health Advantage of Florida (HMO I-SNP) American Health Advantage of Florida · HMO I-SNP |
$4.80 | $9,250 | $615 | Not enough data to rate | Fewer than 11 |
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Plans arriving in or leaving Charlotte County, and premiums moving, when CMS republishes.
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Nearby and related
All Florida counties · What changed recently
Premiums, deductibles, maximum out-of-pocket amounts, star ratings and sanctions are reproduced from the Centers for Medicare & Medicaid Services landscape file as published in the September 2026 release. Enrolment counts are from the CMS monthly enrolment file; CMS suppresses any count of ten or fewer, which is why many plans show “fewer than 11” rather than a number. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: see Medicare.gov or call 1-800-MEDICARE.