Medicare Plans Built Around You
When it comes to finding the right Medicare plan, we offer guidance every step of the way.
Need help finding the right plan? Talk to a licensed agent: 855-216-6134 (TTY 711)
Medicare Advantage Plans from Simply in Florida
Some people may find they need more coverage than Original Medicare Part A (hospital care) and Part B (physician services). Simply offers Medicare Advantage plans, also called Medicare Part C, that go beyond what Original Medicare offers.
All our Medicare Advantage plans include Original Medicare Part A and Part B, plus:
- Prescription drug (also known as Part D) coverage.
- Routine dental, vision, and hearing coverage.
- $0 monthly premiums.
- $0 in-network copays for doctor visits.
- $0 in-network medical deductibles.
- $0 tier 1 prescription drug copays.
- A monthly allowance for approved, over-the-counter (OTC) non-prescription drugs and health-related items.
In addition, many of our Medicare Advantage plans also include:
- Transportation1 to plan-covered services.
- Groceries2,3 and utilities2,3 as a monthly prepaid benefit card allowance.
- No-cost access to the SilverSneakers® fitness program.
All Medicare Advantage plans have an annual limit on your out-of-pocket costs.
Plan availability, benefits, and benefit amounts may vary based on where you live, the plan you choose, and your eligibility. We offer plans in 30 counties in Florida. That’s most of the state, except for the Panhandle region.
Simply Medicare Advantage plan types
We offer these types of Medicare Advantage plans:
HMO — Health maintenance organization plans
With an HMO, you receive care only within our wide network of care providers. Your care starts with a primary care physician (PCP) who knows your health background, needs, and medicine. Your PCP manages your overall care and refers you to specialists as needed.
PPO — Preferred provider organization plans
With a PPO, you have the flexibility to see out-of-network care providers4 and don’t need a PCP or referrals for specialists. PPO plans still have an in-network list of care providers. If you stay within that network, your copays and costs for care may be lower than if you go out-of-network. In general, PPO plans have higher copays for out-of-network care and services than HMO in-network care.
SNPs — Special Needs Plans for Medicare Advantage
SNPs provide coverage for those who qualify based on limited incomes or specific health needs. They also offer extra support, including a care coordinator to help develop and maintain a care plan.
- D-SNPs — Dual Eligible Special Needs Plans
For people eligible for both Medicaid and Medicare - C-SNPs — Chronic Condition Special Needs Plans
For people living with cardiovascular disorders, chronic heart failure, and/or diabetes - I-SNPs — Institutional Special Needs Plans
For people living in a long-term care facility or nursing home, or those requiring mid-level care lasting 90 days or longer
Learn more about our Special Needs Plans
Plan availability depends on the county where you live and your eligibility to enroll.
Which Medicare Advantage plan is right for me?
With an HMO, you choose a primary care physician (PCP) from our network for your routine care. They direct you to the right specialists when required. If your doctors and facilities are all in network, one of our HMO plans will work well to cover your healthcare needs.
A PPO plan is a good choice if you need the flexibility to access out-of-network care with no referrals for specialists.
If you have both Medicaid and Medicare, a D-SNP is likely to work well, even if you have chronic conditions.
If you only have Medicare and have cardiovascular disorders, chronic heart failure, and/or diabetes, one of our C-SNPs might be right for you.
If you’re living in a long-term care facility or nursing home or require mid-level care for 90 days or more, an I-SNP is likely to meet your needs.
When exploring plan types, check that your doctors are in our network and your prescriptions are covered.
You must be signed up for Original Medicare Part A and Part B to enroll in a Medicare Advantage plan.
What if I can’t afford a Medicare Advantage plan?
You may be eligible for financial assistance for a Medicare Advantage plan.
Medicare Savings Programs (MSPs) are state programs that can help pay for your healthcare costs. There is also Extra Help, a federal program that helps people with limited incomes pay for Medicare prescription drugs.
Visit MSP or Extra Help to find out if you qualify.
1 Transportation services are issued as one-way trips and provided on an annual basis. Benefits vary by plan.
2 Members may receive a monthly or quarterly allowance in the form of a benefits prepaid card to pay for a wide range of approved groceries and utilities. Unused amounts will expire at the end of the month or quarter. Benefits vary by plan.
3 Depending on your plan, the benefits listed may be available through the Medicare Advantage Value-Based Insurance Design Model or to eligible members as Special Supplemental Benefits for the Chronically Ill (SSBCI). You may qualify for SSBCI if you have a high risk for hospitalization and require intensive care coordination to manage chronic conditions such as chronic kidney diseases, chronic lung disorders, cardiovascular disorders, chronic heart failure, or diabetes. For a full list of chronic conditions or to learn more about other eligibility requirements needed to qualify for SSBCI benefits, please refer to Chapter 4 in the plan's Evidence of Coverage.
4 Out-of-network/noncontracted providers are under no obligation to treat plan members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost sharing that applies to out-of-network services.
The SilverSneakers fitness program is provided by Tivity Health, an independent company. Please talk to your doctor before starting an exercise program. SilverSneakers, the SilverSneakers shoe logo type and SilverSneakers Flex are registered trademarks of Tivity Health, Inc. © 2025 Tivity Health, Inc. All rights reserved.
The Benefits Mastercard® Prepaid Card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. This is a benefits card that can only be used at certain Mastercard merchants participating in this program and will be authorized for qualified purchases as set forth in your Terms and Conditions. Valid only in the U.S. No cash access. Other languages are available upon request.
Y0114_25_3015400_0000_U_M CMS Accepted 4/7/2025