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Medicare plans in DeLand, Florida offer more choice than most Central Florida communities. With 48 Medicare Advantage plans and multiple Medicare Supplement options available in ZIP code 32724, DeLand residents can compare carriers from Humana, UnitedHealthcare, Aetna, Devoted Health, Wellcare, Florida Blue, Freedom Health, and more — all competing for your enrollment. This independent guide breaks down every option so you can choose with confidence.
Medicare Plans in DeLand, Florida: What You Need to Know
DeLand is the county seat of Volusia County and home to Stetson University — Florida’s oldest private university. Beyond the historic downtown and oak-lined streets, DeLand is also one of the more active Medicare markets on Florida’s east-central coast. With 48 Medicare Advantage plans available in 2026, DeLand residents have more carrier competition and plan diversity than many Florida communities.
Volusia County has approximately 72,000 Medicare beneficiaries enrolled in Medicare Advantage — roughly 61% of the county’s eligible population. That enrollment density means carriers invest heavily in this market: Humana, UnitedHealthcare (AARP), Aetna, Devoted Health, Wellcare, Florida Blue, Freedom Health, and HealthSpring all compete for DeLand enrollments. That competition is genuinely good for you as a consumer — it means more $0-premium options, more benefit diversity, and more leverage when comparing plans.
But 48 plans is an overwhelming number to evaluate on your own. Out-of-pocket maximums range from under $2,500 to over $8,000. Some plans bundle prescription drug coverage, some don’t. Star ratings range from 3.5 to 5. This guide cuts through that complexity — and if you want a side-by-side comparison built around your specific doctors and medications, that’s exactly what a free review with Cindy is for.
Hospitals and Healthcare in DeLand
DeLand residents have strong healthcare infrastructure within a short drive. The primary hospital serving the community is AdventHealth DeLand (701 W. Plymouth Avenue), a Volusia County community hospital for more than 50 years that provides emergency services, surgical care, imaging, and outpatient specialties. Nearby, AdventHealth Fish Memorial in Orange City (about 8 miles south) offers additional capacity including recognized cardiac and stroke programs.
For specialized or tertiary care, Halifax Health Medical Center in Daytona Beach and AdventHealth Daytona Beach are both within 25 miles. Halifax Health | UF Health Medical Center of Deltona is another regional option about 15 minutes south.
Before enrolling in any Medicare Advantage plan, verify that your preferred physicians and hospitals are in-network — especially if you’re considering an HMO, which limits non-emergency coverage to in-network providers only. AdventHealth DeLand participates in most major carrier networks, but coverage varies by plan type and changes annually.
2026 Medicare Plans in DeLand, Florida — Volusia County (ZIP 32724)
DeLand has 48 plans available across HMO, HMO-POS, PPO, and Regional PPO types. The table below covers a representative cross-section of major carriers. All plans shown carry a $0 monthly premium unless otherwise noted.
ZIP code 32724 (DeLand, Volusia County) has 48 Medicare Advantage plans in 2026. For the full list with your specific doctors and medications factored in, use medicare.gov/plan-compare or schedule a free review.
| Carrier & Plan | Type | Stars | MOOP (In-Net) | Drug Ded. | Drug Cov. | Spec. Copay |
|---|---|---|---|---|---|---|
| Devoted Core FL5 STAR | HMO | ★★★★★ | $3,900 | $150 | ✓ Included | $10 |
| Devoted Giveback FL5 STAR | HMO | ★★★★★ | $6,750 | $605 | ✓ Included | $45 |
| Humana Gold Plus Giveback H1036-157 | HMO | ★★★★½ | $3,200 | $0 | ✓ Included | $15 |
| Humana Gold Plus H1036-044 | HMO | ★★★★½ | $2,400 | $615 | ✓ Included | $5 |
| AARP Medicare Advantage FL-0005 | HMO-POS | ★★★★½ | $3,400 | $270 | ✓ Included | $0–$35 |
| Aetna Medicare Select H1609 | HMO | ★★★★½ | $4,150 | $200 | ✓ Included | $10 |
| BlueMedicare Premier H1035 | HMO | ★★★★½ | $2,700 | $615 | ✓ Included | $0–$35 |
| Freedom Medicare Plan Rx | HMO | ★★★★½ | $3,400 | $250 | ✓ Included | $20 |
| HumanaChoice Florida H7617 | PPO | ★★★★½ | $4,700 / $8,900 OON | $615 | ✓ Included | $30 |
| Aetna Medicare Signature H5521 | PPO | ★★★★½ | $5,900 / $10,100 OON | $615 | ✓ Included | $0–$30 |
| Humana Full Access Giveback H5216-393 | PPO | ★★★★½ | $6,750 / $10,100 OON | $600 | ✓ Included | $45 |
| AARP Medicare Advantage FL PPO | PPO | ★★★★½ | $5,900 / $10,100 OON | $600 | ✓ Included | $0–$45 |
| HealthSpring Preferred H5410 | HMO | ★★★★ | $2,000 | $200 | ✓ Included | $10 |
| Wellcare Simple H1032 | HMO | ★★★★ | $3,500 | $615 | ✓ Included | $10 |
| Wellcare Giveback H1032 | HMO | ★★★★ | $7,200 | $615 | ✓ Included | $35 |
| BlueMedicare Classic H1035 | HMO | ★★★★ | $6,750 | $615 | ✓ Included | $40–$55 |
| Humana Direct Choice Giveback H7617 | PPO | ★★★★½ | $6,750 | $130 | ✓ Included | $50 |
| Humana USAA Honor Giveback HMO | HMO | ★★★★½ | $6,700 | N/A | ✗ Not included | $25 |
| Aetna Eagle Giveback PPO H5521 | PPO | ★★★★½ | $6,750 / $10,100 OON | N/A | ✗ Not included | $50 |
| AARP Patriot No Rx FL PPO | PPO | ★★★½ | $8,900 / $13,900 OON | N/A | ✗ Not included | $0–$55 |
Data sourced from medicare.gov for ZIP code 32724 (Volusia County), 2026 plan year. DeLand has 48 total plans — this table shows a representative sample. Verify your plan at medicare.gov/plan-compare. OON = out-of-network maximum.
Some Medicare Advantage plans — particularly Giveback PPO and certain HMO options — do not include prescription drug coverage (Part D). Enrolling without Part D coverage and going more than 63 days without creditable drug coverage triggers a permanent Part D late enrollment penalty added to your premium for life. Always confirm drug coverage before enrolling.
Comparing Medicare Plans in DeLand: Advantage vs. Supplement
Both paths start with Original Medicare (Parts A & B). What differs is how you cover the remaining costs — and that choice has significant implications for your budget, your doctor access, and your flexibility if you travel or split time between DeLand and another state.
Medicare Advantage (Part C)
✓ $0 monthly premium on 30+ Volusia County plans
✓ Dental, vision, and hearing on most plans
✓ Drug coverage typically included (MAPD plans)
✓ Fitness benefits such as SilverSneakers
✗ Must stay within plan’s provider network
✗ Out-of-pocket exposure up to $2,000–$8,900+
✗ Prior authorizations may apply for some services
✗ Switching to a Supplement later may require underwriting
Medicare Supplement (Medigap)
✓ Any doctor or hospital that accepts Medicare — no network
✓ Predictable, low out-of-pocket costs
✓ Ideal for travelers or snowbirds splitting time between states
✓ Protected enrollment window at 65 — no health questions
✗ Monthly premium — typically $100–$200+ in Florida
✗ No drug coverage — standalone Part D required
✗ No extra benefits like dental, vision, or fitness
For DeLand residents who travel frequently, split time between Florida and another state, or want uncomplicated access to any Medicare-accepting provider, a Medicare Supplement is often the cleaner choice. For residents who stay local and want to minimize monthly costs, a $0 premium Medicare Advantage plan with strong star ratings can be an excellent fit.
Take the Free Quiz — Find Out Which Path Fits You
What DeLand Residents Should Know About Medicare
Snowbirds and Part-Year Residents
Many people exploring Medicare plans in DeLand, Florida are snowbirds from the northeast and midwest who split time between states. If you spend several months per year outside Volusia County, this should heavily influence your plan choice. Medicare Advantage HMO plans typically only cover emergency care outside your plan’s service area — routine care, specialists, and follow-ups may not be covered when you’re up north. A Medicare Supplement plan provides nationwide coverage with any Medicare-accepting provider, regardless of which state you’re in.
AdventHealth Network Dominance
AdventHealth operates the primary hospital and most major specialty clinics in DeLand and western Volusia County. Most Medicare Advantage carriers include AdventHealth DeLand in their networks, but not all plans include every AdventHealth facility or specialty group. If you rely on the AdventHealth system, verify that your specific doctors — not just the hospital — are in-network for any plan you’re considering.
Plan Changes During AEP
During the Annual Enrollment Period (October 15 – December 7), DeLand residents are flooded with carrier mailers, TV ads, and seminar invitations. With 48 plans available, this is the noisiest time to make a calm, informed decision. An independent review before AEP begins gives you time to compare without deadline pressure. See the annual review checklist →
Frequently Asked Questions — Medicare Plans in DeLand, Florida
How many Medicare Advantage plans are available in DeLand?
DeLand (ZIP 32724) has 48 Medicare Advantage plans available in 2026 across HMO, HMO-POS, PPO, and Regional PPO types. Thirty of those plans carry a $0 monthly premium. Volusia County is one of the more competitive Medicare markets in Florida.
Is AdventHealth DeLand covered by most Medicare Advantage plans?
Most major carriers include AdventHealth DeLand in their networks. However, network participation varies by plan type and specific plan — especially HMO plans, which may not include every physician group. Always verify your specific doctors before enrolling, and repeat the check annually since contracts change each year.
I’m turning 65 in DeLand. When should I enroll?
Your Initial Enrollment Period runs for 7 months — starting 3 months before your birthday month, including your birthday month, and ending 3 months after. Missing this window can result in permanent late enrollment penalties on Part B and Part D.
What does “Giveback” mean on a Medicare plan?
A “Giveback” plan pays back a portion of your Medicare Part B premium ($185/month in 2026). However, some giveback plans have higher out-of-pocket maximums or exclude drug coverage — the giveback doesn’t always mean lower overall costs. Compare the full picture before enrolling.
I split time between DeLand and another state. Which plan type is better?
If you spend significant time outside Florida, a Medicare Supplement with a standalone Part D plan almost always makes more sense than Medicare Advantage. Supplement plans work with any Medicare-accepting doctor nationwide. Most Advantage HMO plans only cover emergency care outside the service area.
Does it cost anything to work with an independent Medicare advisor?
No. My guidance is free to you. I’m compensated by carriers when you enroll — the same commission regardless of which plan you choose. I’m not employed by any single carrier and I’m appointed with all major plans available in Volusia County.
Medicare Guidance for Nearby Florida Communities
I serve Medicare beneficiaries throughout Central Florida. If you live near DeLand, these guides may also be helpful:
- Medicare in Florida — Statewide overview of Florida Medicare rules and options
- Medicare Plans in The Villages, FL — Sumter, Lake & Marion County plan guide
- Medicare Plans in Lady Lake, FL — Lake County plan guide with 55+ plans compared
- Turning 65 in Florida — Your Florida-specific Medicare enrollment guide
- Turning 65 in Sarasota — Sarasota-area Medicare guidance
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