Miami-Dade Medicare 2027: 54,021 people need to look at their plan this fall.

527,506 people in Miami-Dade have Medicare and 396,635 use Medicare Advantage. 7 of the 2027 plans have no drug coverage. Source: REMCARE plan research from CMS files.

Miami-Dade is different from the rest of Florida. Of the 54,021 people whose 2026 plan isn’t coming back under the same plan number, about 31,800 are in plans built for people who have both Medicare and Medicaid (often called dual plans). Another 18,000 or so are in regular HMO plans, and about 3,900 are in plans for people with a chronic condition such as diabetes or heart disease. Almost none are in PPO plans.

If you have Medicaid too, your letter matters even more than usual. Some dual plans are being folded into another plan from the same company, and members are moved automatically. Others are ending, and you choose. Your Medicaid level (full Medicaid, or help only with your Part B premium) decides which 2027 plans you can join.

Rafael habla español. Si recibió una carta diciendo que su plan Medicare Advantage termina o cambia en 2027, le ayudamos a leerla, a revisar sus médicos y medicinas, y a comparar los planes de Miami-Dade. La cita es por teléfono o video, sin costo y sin presión.

Llame al 904-583-8391 o vea nuestra página Medicare en español.

Most plans here are HMOs. That keeps premiums low, but you need a primary doctor in the plan’s network and referrals for many specialists. Plans in Miami-Dade often advertise extras like transportation, OTC allowances and dental. Those are useful, but they don’t help if your cardiologist or the hospital you trust isn’t in the network.

1. 1Write down your doctors. Include the medical center or clinic group your primary doctor belongs to; many Miami-Dade doctors work through one group that contracts with only some plans.
2. 2List your hospital. Jackson, Baptist Health, Mount Sinai, HCA and the UHealth system all have locations in the county. Know which one you’d want in an emergency.
3. 3Check your medicines. Drug lists change every year, even when the plan name stays the same.
4. 4Then compare extras. Only after the first three match does it make sense to compare dental, OTC and transportation.

Jackson Health System broke ground on Jose Milton Memorial Hospital at UHealth Jackson, a 100-bed hospital in Doral off the Palmetto Expressway and Northwest 29th Street. In South Dade, HCA Florida Kendall Hospital added HCA Florida South Dade Emergency, a freestanding ER at 14190 SW 288 Street in Homestead.

Veterans can also use the Bruce W. Carter VA Medical Center in Miami. If you get care from the VA, tell us; it changes which plan type makes sense.

Sources: Local 10, HCA Florida Healthcare. REMCARE isn’t affiliated with these facilities, and naming them doesn’t mean any plan covers or excludes them.

The Florida Medicare 2027 guide covers statewide dates, the Medicare Supplement option and every county page we have. Received a non-renewal letter? Read Is your Medicare plan ending in 2027?

Neighboring counties: Broward County, Palm Beach County.

Questions from Miami-Dade residents

Plan changing in Miami-Dade? Let’s look at it together, en inglés o en español.