Florida Medicare Coverage Guide
Find dental, vision, hearing aid, and nursing home Medicare benefits available to Florida residents.
Florida Dental Coverage
Florida has the largest Medicare population in the US and a very competitive Medicare Advantage market. Many MA plans offer robust dental benefits. Florida Medicaid covers limited dental for dual-eligibles.
Available Programs
- Florida Medicaid Dental
- Medicare Advantage dental plans
- Florida Dental Association
- Nova Southeastern University dental school
Typical Out-of-Pocket Cost
$300–$1,500/year with MA plan
Costs vary by plan, provider, and income. Dual-eligible (Medicare + Medicaid) beneficiaries often pay much less.
Tips for Florida Residents
- Florida has among the most MA plan choices nationwide — compare carefully
- Dental schools in Miami, Tampa, and Fort Lauderdale offer quality low-cost care
- SHINE counselors (1-800-963-5337) can help compare plans
Florida Vision Coverage
Florida Medicaid covers vision for dual-eligible beneficiaries. MA plans in Florida offer competitive vision benefits given market competition.
Available Programs
- Florida Medicaid vision
- Medicare Advantage vision
- Florida Division of Blind Services
Typical Out-of-Pocket Cost
$100–$300/year with MA plan
Costs vary by plan, provider, and income. Dual-eligible (Medicare + Medicaid) beneficiaries often pay much less.
Tips for Florida Residents
- Division of Blind Services: 1-800-342-3556
- Diabetic eye exam covered by Medicare Part B
- Many Florida MA plans include annual eye exams and eyewear allowances
Florida Hearing Aids Coverage
Florida Medicare Advantage plans often offer hearing aid benefits given market competition. Florida has numerous audiology providers.
Available Programs
- Medicare Advantage hearing plans
- Florida Coordinating Council for the Deaf and Hard of Hearing
- Division of Vocational Rehabilitation
Typical Out-of-Pocket Cost
$800–$6,000 per pair with MA benefit
Costs vary by plan, provider, and income. Dual-eligible (Medicare + Medicaid) beneficiaries often pay much less.
Tips for Florida Residents
- Many FL MA plans include $500–$2,500 hearing aid allowance per year
- OTC hearing aids available statewide
- SHINE: 1-800-963-5337 for plan comparison
Florida Nursing Home Coverage
Florida has one of the most nursing homes per capita. Medicare Part A covers SNF care. Florida Medicaid covers long-term care. Florida also has robust PACE and assisted living options.
Available Programs
- Medicare Part A SNF
- Florida Medicaid LTC
- PACE Florida programs
- Florida SHINE (1-800-963-5337)
Typical Out-of-Pocket Cost
$250–$320/day semi-private
Costs vary by plan, provider, and income. Dual-eligible (Medicare + Medicaid) beneficiaries often pay much less.
Tips for Florida Residents
- Check nursing home ratings at Medicare.gov Care Compare
- PACE programs in Miami, Tampa, Orlando, Jacksonville
- SHINE: 1-800-963-5337 for free Medicare counseling
📊 Live CMS Data Florida Medicare Snapshot
Source: CMS Medicare Monthly Enrollment 2024 & CMS MA Landscape 2025 — public data from data.cms.gov
- UnitedHealth
- Humana
- Centene/WellCare
Get Free Help in Florida
SHIP Counseling
Your state's State Health Insurance Assistance Program (SHIP) offers free, unbiased Medicare counseling from trained volunteers. They can help you compare plans and enroll.
Find Florida SHIP →1-800-MEDICARE
Call 1-800-633-4227 (TTY: 1-877-486-2048) 24/7 for Medicare questions, plan comparisons, and enrollment help. Free and official.
Medicare.gov →Medicare Plan Finder
Use the official Medicare Plan Finder tool at Medicare.gov to compare all Medicare Advantage, Part D, and Medigap plans available in Florida by ZIP code.
Compare Plans →Nursing Home Compare
Research and compare nursing home quality ratings, staffing levels, health inspection results, and more for facilities across Florida.
Care Compare →