Florida's Medicaid managed care plans were rebuilt on February 1, 2025. The program dropped from 11 numbered regions to 9 lettered regions (A through I), the contracts now run through 2030, and AmeriHealth Caritas Florida is not among the plans that came out of it. If you are reading a "Florida Medicaid plans" list written before 2025, much of it is out of date. This guide walks through every active Statewide Medicaid Managed Care (SMMC) 3.0 plan, the regions each one serves, the member phone numbers you will actually need, and the choice rules that decide whether you can switch plans this year. For the live, plan-by-zip-code roster, the state's enrollment broker at flmedicaidmanagedcare.com is always the source of record.
How SMMC works (in 60 seconds)
Florida's Statewide Medicaid Managed Care (SMMC) program is the architecture through which virtually all Florida Medicaid services are delivered. The current iteration, branded SMMC 3.0, launched February 1, 2025 under contracts running through 2030. It is delivered through these enrollment tracks:U.S. Government Publishing Office. (n.d.). 42 C.F.R. 438.56(c) — federal floor on enrollee-requested disenrollment: for cause at any time; without cause during the 90 days after initial enrollment or notice, whichever is later, and at least annually. ecfr.gov. Retrieved Jul 30, 2026, from https://www.ecfr.gov/current/title-42/section-438.56
- Managed Medical Assistance (MMA): acute and primary care for the general Medicaid population (children, parents, MAGI adults, MEDS-AD, and dual-eligibles).
- Long-Term Care (LTC): home and community-based long-term services and supports for members who meet nursing-facility level of care.
- Statewide Prepaid Dental: separate dental coverage statewide through DentaQuest and Liberty Dental Plan. Florida law requires the agency to run this program "for children and adults with a choice of at least two licensed dental managed care providers" (s. 409.973(5)(b), F.S.).
- Intellectual and Developmental Disabilities Comprehensive Managed Care (ICMC): a fourth program, statutorily the s. 409.9855, F.S. pilot for individuals with developmental disabilities, rolling out separately. Enrollment in it is voluntary: the statute says participation "is voluntary," that an individual "must make an affirmative choice before any enrollment action by the agency," and that the agency "may not automatically enroll eligible individuals." Most of this guide is about the MMA and LTC tracks.U.S. Government Publishing Office. (n.d.). 42 C.F.R. 438.56(c) — federal floor on enrollee-requested disenrollment: for cause at any time; without cause during the 90 days after initial enrollment or notice, whichever is later, and at least annually. ecfr.gov. Retrieved Jul 30, 2026, from https://www.ecfr.gov/current/title-42/section-438.56
Three agencies run the program:
- Agency for Health Care Administration (AHCA): the single state Medicaid agency. It operates SMMC, contracts with the plans, and sets the rules.
- Department of Children and Families (DCF): determines financial eligibility through ACCESS Florida.
- Department of Elder Affairs (DOEA): determines functional eligibility for LTC through the CARES program.
If you still need eligibility approved before you choose a plan, see how to apply for Florida Medicaid. This guide picks up after eligibility, once you know you are enrolled and need to pick a plan.
Florida Medicaid Managed Care Plans by Region
Florida uses 9 lettered regions under SMMC 3.0. The county assignments below are the regions as Florida law itself defines them, in s. 409.966(2), F.S.; the nine-region map took operational effect with the SMMC 3.0 contracts on February 1, 2025. The old 11-region map (and any guide that still uses Region 3, Region 9, and so on) no longer applies.U.S. Government Publishing Office. (n.d.). 42 C.F.R. 438.56(c) — federal floor on enrollee-requested disenrollment: for cause at any time; without cause during the 90 days after initial enrollment or notice, whichever is later, and at least annually. ecfr.gov. Retrieved Jul 30, 2026, from https://www.ecfr.gov/current/title-42/section-438.56
| Region | Geographic area | Counties (per s. 409.966(2), F.S.) |
|---|---|---|
| A | Western Panhandle / Big Bend | Bay, Calhoun, Escambia, Franklin, Gadsden, Gulf, Holmes, Jackson, Jefferson, Leon, Liberty, Madison, Okaloosa, Santa Rosa, Taylor, Wakulla, Walton, Washington |
| B | North-central / Northeast | Alachua, Baker, Bradford, Citrus, Clay, Columbia, Dixie, Duval, Flagler, Gilchrist, Hamilton, Hernando, Lafayette, Lake, Levy, Marion, Nassau, Putnam, St. Johns, Sumter, Suwannee, Union, Volusia |
| C | Tampa Bay coast | Pasco, Pinellas |
| D | Tampa Bay plus Polk | Hardee, Highlands, Hillsborough, Manatee, Polk |
| E | Greater Orlando | Brevard, Orange, Osceola, Seminole |
| F | Southwest Florida | Charlotte, Collier, DeSoto, Glades, Hendry, Lee, Sarasota |
| G | Treasure Coast / Palm Beach | Indian River, Martin, Okeechobee, Palm Beach, St. Lucie |
| H | Broward | Broward |
| I | Miami-Dade / Monroe | Miami-Dade, Monroe |
To confirm the exact region for any Florida zip code, search it at flmedicaidmanagedcare.com, which returns your region letter and the plans available to you.U.S. Government Publishing Office. (n.d.). 42 C.F.R. 438.56(c) — federal floor on enrollee-requested disenrollment: for cause at any time; without cause during the 90 days after initial enrollment or notice, whichever is later, and at least annually. ecfr.gov. Retrieved Jul 30, 2026, from https://www.ecfr.gov/current/title-42/section-438.56
The plans available in each region
The most-asked question in Florida managed care is not "what plans exist," it is "what plans serve me." The matrix below is drawn from the AHCA contract's plan-by-region table. Because Community Care Plan holds only a Managed Medical Assistance contract, it appears in the MMA column but not the LTC column.flmedicaidmanagedcare.com. (n.d.). Florida State Medicaid Managed Care - Plan Phone Numbers. Retrieved Jun 24, 2026, from https://www.flmedicaidmanagedcare.com/home/planphonenumbers
| Region | LTC plans available | MMA plans available |
|---|---|---|
| A Western Panhandle | Humana, Sunshine, Simply, FCC | Humana, Sunshine, Simply, FCC |
| B NE / North-central | Humana, Sunshine, Simply, FCC, UnitedHealthcare | Humana, Sunshine, Simply, FCC, UnitedHealthcare |
| C Pasco / Pinellas | Humana, Sunshine, Simply, FCC | Humana, Sunshine, Simply, FCC |
| D Tampa Bay / Polk | Humana, Sunshine, Simply, FCC, Aetna, UnitedHealthcare | Humana, Sunshine, Simply, FCC, Aetna, UnitedHealthcare |
| E Greater Orlando | Humana, Sunshine, Simply, FCC, Aetna | Humana, Sunshine, Simply, FCC, Aetna, Community Care Plan |
| F SW Florida | Humana, Sunshine, Simply, FCC | Humana, Sunshine, Simply, FCC, Community Care Plan |
| G Treasure Coast / Palm Beach | Humana, Sunshine, Simply, FCC | Humana, Sunshine, Simply, FCC, Community Care Plan |
| H Broward | Humana, Sunshine, Simply, FCC | Humana, Sunshine, Simply, FCC, Community Care Plan |
| I Miami-Dade / Monroe | Humana, Sunshine, Simply, FCC, Aetna, UnitedHealthcare, Molina | Humana, Sunshine, Simply, FCC, Aetna, UnitedHealthcare, Molina, Community Care Plan |
Because a plan roster changes on re-procurement, treat this matrix as a snapshot as of the February 2025 contract. Always confirm your specific options against the live enrollment-broker plan finder before you decide.flmedicaidmanagedcare.com. (n.d.). Florida State Medicaid Managed Care - Plan Phone Numbers. Retrieved Jun 24, 2026, from https://www.flmedicaidmanagedcare.com/home/planphonenumbers
The plans themselves
Every active SMMC 3.0 plan, its footprint, and the member phone numbers you will need. All numbers below are the current member-services lines listed by Florida's enrollment broker. SMMC 3.0 replaced the former standalone specialty plans with specialty products the comprehensive plans now carry, so if you need the Serious Mental Illness (SMI) specialty, every plan below carries it except Florida Community Care's Select Comprehensive plan in Regions E through H, which carries no specialty product.flmedicaidmanagedcare.com. (n.d.). Florida State Medicaid Managed Care - Plan Phone Numbers. Retrieved Jun 24, 2026, from https://www.flmedicaidmanagedcare.com/home/planphonenumbers
Florida Medicaid adult dental coverage is limited under both dental plans; children's dental coverage is more comprehensive under Early and Periodic Screening, Diagnostic, and Treatment (EPSDT). See what Florida Medicaid dental covers for the full breakdown.
How plan choice actually works
When you become Medicaid-eligible in Florida, you choose your MMA plan and, if you qualify for long-term care, your LTC plan. New enrollees who do not affirmatively pick a plan are auto-assigned by AHCA. Both paths run through the same mechanics.U.S. Government Publishing Office. (n.d.). 42 C.F.R. 438.56(c) — federal floor on enrollee-requested disenrollment: for cause at any time; without cause during the 90 days after initial enrollment or notice, whichever is later, and at least annually. ecfr.gov. Retrieved Jul 30, 2026, from https://www.ecfr.gov/current/title-42/section-438.56
AHCA sends you a choice notice
After eligibility is approved, AHCA mails a notice listing the plans available in your region. Florida law gives you 30 days to choose a plan (s. 409.969(1), F.S.).U.S. Government Publishing Office. (n.d.). 42 C.F.R. 438.56(c) — federal floor on enrollee-requested disenrollment: for cause at any time; without cause during the 90 days after initial enrollment or notice, whichever is later, and at least annually. ecfr.gov. Retrieved Jul 30, 2026, from https://www.ecfr.gov/current/title-42/section-438.56
You choose, or you get auto-assigned
If you pick a plan within that window, you are enrolled in it. If you do not choose, AHCA "shall automatically enroll into a managed care plan those Medicaid recipients who do not voluntarily choose a plan" (s. 409.977(1), F.S.). Both paths produce the same starting point.U.S. Government Publishing Office. (n.d.). 42 C.F.R. 438.56(c) — federal floor on enrollee-requested disenrollment: for cause at any time; without cause during the 90 days after initial enrollment or notice, whichever is later, and at least annually. ecfr.gov. Retrieved Jul 30, 2026, from https://www.ecfr.gov/current/title-42/section-438.56
You then get 120 calendar days to change plans
AHCA's enrollment broker states that "after being enrolled in a managed care plan, enrollees have 120 calendar days to change to a new plan, if they wish to do so," counted from your enrollment effective date. Use it if your doctor is out of network, your preferred assisted living facility does not take the plan, or you simply do not like how the plan works.U.S. Government Publishing Office. (n.d.). 42 C.F.R. 438.56(c) — federal floor on enrollee-requested disenrollment: for cause at any time; without cause during the 90 days after initial enrollment or notice, whichever is later, and at least annually. ecfr.gov. Retrieved Jul 30, 2026, from https://www.ecfr.gov/current/title-42/section-438.56
After that, you are locked in until open enrollment
Once the window closes, you stay in your plan until your annual open enrollment period, which the broker describes as "the 60-day period each year when you can change plans without state approval."U.S. Government Publishing Office. (n.d.). 42 C.F.R. 438.56(c) — federal floor on enrollee-requested disenrollment: for cause at any time; without cause during the 90 days after initial enrollment or notice, whichever is later, and at least annually. ecfr.gov. Retrieved Jul 30, 2026, from https://www.ecfr.gov/current/title-42/section-438.56
Outside those windows, you need good cause, and you can appeal a denial
The broker markets this as a "For Cause" change, but the right is statutory: s. 409.969(2), F.S. provides that after the initial window "no further changes may be made except for good cause," and defines good cause to include, but not be limited to, poor quality of care, lack of access to necessary specialty services, an unreasonable delay or denial of service, or fraudulent enrollment. AHCA "must make a determination as to whether good cause exists," and if it decides good cause does not exist, the statute says you "shall be advised of their right to pursue a Medicaid fair hearing to dispute the agency's finding." Do not treat a "no" from the broker as the end of it.U.S. Government Publishing Office. (n.d.). 42 C.F.R. 438.56(c) — federal floor on enrollee-requested disenrollment: for cause at any time; without cause during the 90 days after initial enrollment or notice, whichever is later, and at least annually. ecfr.gov. Retrieved Jul 30, 2026, from https://www.ecfr.gov/current/title-42/section-438.56
Ask for your effective date in writing
A plan change is not instant. Your current plan keeps covering you until the new enrollment takes effect, so get the effective date from the broker before you assume a new plan's network applies.
How to Choose a Florida Medicaid Managed Care Plan
Most "best Florida Medicaid plan" rankings are not useful, because the right answer depends on your specific situation, not a generic score. Four questions actually decide it:
- Are my doctors in the plan's network? This is the single biggest practical factor. Check the plan's provider directory or call member services with your doctors' names. If your primary care doctor, a specialist, or your preferred hospital is not in network, the plan is wrong for you regardless of its national reputation.
- Is my preferred long-term care setting in the plan's network? If your loved one is moving into a specific assisted living facility, adult family care home, or nursing facility, ask that facility which plans it takes. Long-term care networks vary by plan and region.Florida Department of Elder Affairs. (n.d.). Statewide Medicaid Managed Care Long-Term Care Program. elderaffairs.org. Retrieved Aug 3, 2026, from https://elderaffairs.org/programs-and-services/statewide-medicaid-managed-care-long-term-care-program/
- What Fiscal/Employer Agent does the plan use for participant direction? This matters only if you are staying at home: under the SMMC LTC contract, plans must make the Participant-Directed Option (PDO) available to enrollees who live in their own home and have a PDO-directable service on their plan of care. Those services are adult companion care, attendant nursing care, homemaker services, intermittent and skilled nursing, and personal care. Under the PDO you are the common-law employer of your worker, while a Fiscal/Employer Agent your plan assigns handles payroll and tax withholding. Ask the plan which vendor it uses and whether your family already knows that vendor's portal, because switching vendors means re-onboarding your worker. Our guide on getting paid as a family caregiver in Florida walks through the PDO in detail.Office of the Law Revision Counsel, U.S. House of Representatives. (n.d.). 42 U.S. Code §1396n — HCBS waiver (c) and self-directed services (j) authority (uscode.house.gov, current). uscode.house.gov. Retrieved Jul 31, 2026, from https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section1396n&num=0&edition=prelim
- Does the plan give you a stable case manager? For long-term care, the plan assigns a case manager who builds your Plan of Care and authorizes services. Plans with high case-manager turnover create disrupted care. There is no public scorecard for this, so ask the plan about case loads and tenure, or ask current members in your area.
Free, neutral help is available through Florida's enrollment broker. Call 1-877-711-3662 or visit flmedicaidmanagedcare.com. The broker is contracted by AHCA, not by the plans, so it has no incentive to push any particular plan.U.S. Government Publishing Office. (n.d.). 42 C.F.R. 438.56(c) — federal floor on enrollee-requested disenrollment: for cause at any time; without cause during the 90 days after initial enrollment or notice, whichever is later, and at least annually. ecfr.gov. Retrieved Jul 30, 2026, from https://www.ecfr.gov/current/title-42/section-438.56
Where to check plan quality
AHCA has historically published a Medicaid Health Plan Report Card grading plans on measures such as preventive care, care for chronic conditions, behavioral health, member experience, and access to care. We could not locate a published scorecard for the current SMMC 3.0 contract cycle, so do not assume a current rating exists for the plan you are considering; check the live AHCA page, and if there is no current-cycle Report Card, weigh the network questions below instead of a score.
For seniors who have both Medicare and Medicaid, the Medicare Star Ratings for a plan's Medicare counterpart can also be useful. Several Florida Medicaid plans' parent companies also offer Medicare Advantage and Special Needs Plans for people with both Medicare and Medicaid; you can compare their Star Ratings at medicare.gov/plan-compare.
The senior long-term care track
If you or your loved one needs nursing-facility-level care at home, in an assisted living facility, or in a nursing home, you are on the SMMC Long-Term Care track, not the standard medical lane. Every LTC plan contracted with AHCA must, at a minimum, cover a defined catalog of home and community-based services, including personal care and attendant care, homemaker and adult companion services, home-delivered meals, home accessibility adaptations, respite care, a personal emergency response system, adult day care, and nursing-facility care. That list is a floor, not a ceiling, so a plan may cover more than it, which is one real basis for comparing plans. These services are available based on medical necessity, or when they are needed to delay or prevent nursing-facility placement.Florida Department of Elder Affairs. (n.d.). Statewide Medicaid Managed Care Long-Term Care Program. elderaffairs.org. Retrieved Aug 3, 2026, from https://elderaffairs.org/programs-and-services/statewide-medicaid-managed-care-long-term-care-program/
A senior on Medicaid LTC enrolls in both an MMA plan (for medical care) and an LTC plan (for long-term services); sometimes they are the same company, sometimes not. To see how eligibility and services work on this track, see the Florida Long-Term Care Medicaid waiver and what Florida Medicaid covers.
What changed in February 2025 (and what stayed the same)
Changed:
- 11 numbered regions became 9 lettered regions, A through I.U.S. Government Publishing Office. (n.d.). 42 C.F.R. 438.56(c) — federal floor on enrollee-requested disenrollment: for cause at any time; without cause during the 90 days after initial enrollment or notice, whichever is later, and at least annually. ecfr.gov. Retrieved Jul 30, 2026, from https://www.ecfr.gov/current/title-42/section-438.56
- AmeriHealth Caritas Florida was not awarded a plan under the new contract and is no longer in the program.
- Plan footprints were reshuffled across regions.
- Contracts were renewed for a five-year term running through 2030.
Stayed the same:
- The three-agency structure (AHCA, DCF, DOEA).
- The broker's 120-calendar-day plan-change period plus the annual open enrollment period.U.S. Government Publishing Office. (n.d.). 42 C.F.R. 438.56(c) — federal floor on enrollee-requested disenrollment: for cause at any time; without cause during the 90 days after initial enrollment or notice, whichever is later, and at least annually. ecfr.gov. Retrieved Jul 30, 2026, from https://www.ecfr.gov/current/title-42/section-438.56
- Choice counseling through the enrollment broker at 1-877-711-3662.
- Statewide prepaid dental (DentaQuest and Liberty Dental Plan).
- The Participant-Directed Option for members who direct their own long-term care services.Office of the Law Revision Counsel, U.S. House of Representatives. (n.d.). 42 U.S. Code §1396n — HCBS waiver (c) and self-directed services (j) authority (uscode.house.gov, current). uscode.house.gov. Retrieved Jul 31, 2026, from https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section1396n&num=0&edition=prelim
- The underlying Medicaid eligibility rules (see Florida Medicaid eligibility and income limits).
Frequently Asked Questions
How do I know which region I'm in?
Search your zip code at flmedicaidmanagedcare.com. The site returns your region letter and the plans available to you.
What's the difference between MMA and LTC plans?
MMA is acute and primary care: doctors, hospitals, prescriptions, and behavioral health. LTC is long-term services: home care, assisted living facility support, nursing-home care, adult day care, home-delivered meals, and a personal emergency response system. A senior on Medicaid long-term care enrolls in both an MMA plan and an LTC plan, and the two plans do not have to be the same company.Florida Department of Elder Affairs. (n.d.). Statewide Medicaid Managed Care Long-Term Care Program. elderaffairs.org. Retrieved Aug 3, 2026, from https://elderaffairs.org/programs-and-services/statewide-medicaid-managed-care-long-term-care-program/
Can I keep my doctor when I switch plans?
Only if the new plan has that doctor in its network. Before switching, check the new plan's provider directory or call member services with your doctor's name. Many large Florida primary care groups contract with multiple plans, but specialists and ancillary providers vary more.
What happens if my plan leaves the program?
It is uncommon, but it happens, as AmeriHealth Caritas Florida's departure from SMMC showed. AHCA transitions affected members to remaining plans in their region, and you receive advance notice before the change.U.S. Government Publishing Office. (n.d.). 42 C.F.R. 438.56(c) — federal floor on enrollee-requested disenrollment: for cause at any time; without cause during the 90 days after initial enrollment or notice, whichever is later, and at least annually. ecfr.gov. Retrieved Jul 30, 2026, from https://www.ecfr.gov/current/title-42/section-438.56
Can I stay in fee-for-service instead of a managed care plan?
Usually not, but do not read that as never. Florida law enrolls "all Medicaid recipients" in managed care "unless specifically exempted under this part" (s. 409.969(1), F.S.), so almost all Medicaid services flow through SMMC plans. There are real exits, though, and two are worth knowing: if you have access to employer-sponsored health coverage, s. 409.977(4), F.S. directs AHCA to "develop a process to enable a recipient with access to employer-sponsored health care coverage to opt out of all managed care plans"; and enrollment in the ICMC program for people with developmental disabilities is voluntary, with the agency barred from auto-enrolling anyone. The full list of statutory exemptions is not something we can publish reliably, so if you think one applies to you, ask the enrollment broker at 1-877-711-3662 to check your specific exemption in writing.U.S. Government Publishing Office. (n.d.). 42 C.F.R. 438.56(c) — federal floor on enrollee-requested disenrollment: for cause at any time; without cause during the 90 days after initial enrollment or notice, whichever is later, and at least annually. ecfr.gov. Retrieved Jul 30, 2026, from https://www.ecfr.gov/current/title-42/section-438.56
What if I'm on Medicare too?
Then you are a dual-eligible beneficiary. Medicare is your primary payer for most medical services, and Medicaid is secondary, covering what Medicare does not (long-term care, and cost-sharing you would otherwise owe). Your SMMC LTC plan still organizes your home and community-based services, while the medical side runs through Medicare. Many dual-eligibles also enroll in a Medicare Special Needs Plan aligned with their Medicaid plan's parent company; ask your plan whether one is available.
Bottom line
Florida's Medicaid managed care landscape is more concentrated than the plan count suggests. Four plans, Humana, Sunshine Health, Simply Healthcare, and FCC, carry long-term care in all 9 regions; the rest compete on regional density and network depth. For most Florida seniors, the right choice comes down to three questions: are my doctors in the network, is my preferred long-term care setting in the network, and (if I am hiring a family caregiver) which Fiscal/Employer Agent the plan uses. Get those right, use your 120-day change window if you are not satisfied, and the rest sorts itself out.
Learn More
Find personalized help choosing a Florida Medicaid plan at brevy.com.
The information on Brevy.com is for educational purposes only and is not a substitute for professional legal, financial, or medical advice. Rules vary by state and program and change frequently. Always verify with the relevant agency or a qualified professional. Brevy is not a law firm, financial advisor, or healthcare provider.