Aetna Medicare Florida Exit: Advantage Changes in Florida for 2025 – What Seniors Need to Know
Florida seniors face significant changes in 2025 as Aetna adjusts its Medicare Advantage offerings. Many Aetna plans will no longer be available in Florida, leaving thousands of beneficiaries needing to make a switch during the Medicare Annual Enrollment Period (AEP), October 15 – December 7, 2025. The exit of health insurer Aetna, a major insurance company in the Medicare market, highlights the shifting landscape for both policyholders and the broader industry.
At SWFL Insurance, we’ve been guiding seniors in Fort Myers, Naples, and Port Charlotte for over 40 years. We gave licensed Medicare agents ready to help you compare alternatives—including Florida Blue, so you don’t lose coverage, doctors, or peace of mind. Recent healthcare policy changes, such as the Inflation Reduction Act, have also impacted the Medicare landscape and may have influenced insurance company decisions regarding plan availability.
Introduction to Aetna Medicare
Aetna Medicare is a pre-eminent provider of health insurance coverage which provides a comprehensive range of Medicare Advantage plans, Medicare Supplement plans, and prescription drug coverage specifically tuned to the unique needs of seniors and individuals who are eligible for Medicare. Aetna Medicare provides members with options for doctors, hospitals and all healthcare locations across a large network, which means as a member, you will have access to quality care across the state of Florida. In addition, Aetna Medicare makes it easy and secure to manage your plan. Aetna accepts premium payments through Instamed, so you can rest easy knowing you are paying your premiums using a trusted payment service. Members can visit the secure member site and log in to view their plan details, claims, and management of benefits any time. Aetna Medicare’s robust insurance product offering is a successful mixture of short and long-term health coverage. Whether you’re looking for a more expansive Medicare Advantage plan or a short-term Medicare Supplement plan that fills in some of the gaps in Original Medicare, Aetna Medicare will offer you flexible options to stay healthy and secure.
Why Is Aetna Changing Its Medicare Advantage Plans?
Aetna has scaled back its Florida Medicare Advantage options because of financial pressures and market shifts. They expect to lose roughly 10% of their Medicare Advantage membership in 2025. This means that many seniors will receive letters this fall notifying them that their plan will not be renewed.
What Does This Mean for Aetna Medicare Members?
- If your Aetna Medicare Advantage plan is ending, you should receive an Annual Notice of Change (ANOC) in September 2025.
- You must choose a new plan during Medicare AEP (October 15 – December 7).
- If you do nothing, you may be reassigned to a different plan that might not meet your needs—or you could lose coverage entirely.
Plan Benefits and Features for 2025
Aetna Medicare Advantage plans for 2025 are designed to support your health and lifestyle with a wide range of valuable benefits. In addition to robust prescription drug coverage, many plans include dental, vision, and hearing benefits to help you maintain your overall well-being. Staying active is easy with access to fitness classes and instructors through the popular SilverSneakers program, which offers instructor-led group fitness classes at locations across Florida. For added peace of mind, Aetna Medicare Advantage plans provide 24/7 access to a registered nurse hotline, so you can get health advice whenever you need it. Prescription home delivery is also available for many covered medications, making it convenient to stay on track with your treatment. With these features, Aetna Medicare Advantage plans are built to help you live your healthiest life.
Changes to Special Needs Plans for 2025
In 2025, Aetna is expanding its Special Needs Plans (SNPs) to deepen the commitment to serve Medicare members with special health needs, as well as members who are eligible for a dual eligible special needs plan. Special needs plans are developed specifically to meet the needs of individuals with unique medical and financial challenges and also offer additional benefits and care coordination. Aetna is introducing new enhanced services for certain SNPs, which may include additional services like transportation for doctor visits and food delivery, specifically to assist members in overcoming barriers to care and healthcare access. Aetna’s Resources for Living can help connect members to local services and resources so that members can find help in their community. If you or someone you love has a complex health need, Aenta’s dual eligible special needs plans may help give you the additional services and benefits you need.
What Are the Alternatives to Aetna Medicare Plans?
- Florida Blue (Blue Cross Blue Shield of Florida): The most stable Medicare carrier in the state, with a broad doctor and hospital network.
Our role as independent agents is to compare all carriers in your county to find the plan that best matches your doctors, prescriptions, and budget. It’s also important to review and compare prescription drug plan (Medicare Part D) options, as coverage and premiums can change each year.
Can I Keep My Doctors and Prescriptions?
Yes—if you choose a plan with the right network and formulary. Every Medicare Advantage plan is different. At SWFL Insurance, we:
- Check your primary care and specialists against plan networks.
- Confirm your prescription medications are covered affordably.
- Review any extra benefits (dental, vision, hearing, gym memberships, and the SilverSneakers® fitness benefit, which helps seniors stay active and healthy by providing access to thousands of fitness facilities).
Key Dates for Aetna Medicare Members
- September 2025: Aetna mails Annual Notices of Change (ANOC).
- October 15, 2025: Medicare Annual Enrollment Period (AEP) begins.
- December 7, 2025: Last day to choose a new plan.
- January 1, 2026: New coverage takes effect.
Frequently Asked Questions
Why is Aetna scaling back Medicare Advantage in Florida?
Due to financial losses and market pressures, Aetna is reducing its plan offerings in the state.
How do I know if my plan is ending?
In September 2025, you will get an Annual Notice of Change (ANOC) from Aetna.
What happens if I don’t pick a new plan?
You may lose coverage or be reassigned to a plan that doesn’t fit your needs.
What are the best alternatives to Aetna Medicare plans?
Florida Blue and UnitedHealthcare are among the most stable options in Florida.
Can SWFL Insurance help me compare Medicare plans?
Yes. Our local licensed agents compare plans from multiple carriers and help you enroll—at no cost to you.
Why Choose SWFL Insurance?
- Local offices: Fort Myers, Naples, and Port Charlotte.
- We’re not tied to one insurer—we compare them all.
- Trusted experience: 40+ years serving Southwest Florida seniors.
- Personal support: Speak with a local Medicare expert, not a call center.
Ready to Find a Replacement Healthcare Plan?
If your Aetna Medicare Advantage plan is ending, don’t wait until the December 7 deadline. Let us help you compare options and transition smoothly to a new plan.
