One of the most appealing features of Medicare Advantage is the extra benefits that go far beyond what Original Medicare covers. In Florida for 2026, these benefits have expanded significantly — but with major carriers exiting, it's more important than ever to compare what's actually available in your specific zip code.
Dental Coverage
Most Medicare Advantage plans in Florida include some dental coverage. Basic plans cover preventive care — cleanings, X-rays, and exams. More comprehensive plans cover fillings, extractions, and crowns. A small number of premium plans cover dentures and implants. Annual dental benefit amounts range from $500 to $3,000 depending on the plan.
Vision Coverage
Standard Medicare Advantage vision benefits include annual eye exams and an allowance for glasses or contact lenses, typically $100–$300 per year. Some Florida plans offer enhanced vision benefits with higher allowances or coverage at specific optical chains.
Hearing Coverage
Hearing aids are not covered by Original Medicare, but many Florida Medicare Advantage plans include hearing benefits. Coverage ranges from basic hearing exams to allowances of $500–$2,500 for hearing aids. Given the high prevalence of hearing loss among seniors, this benefit can be extremely valuable.
Grocery and Food Allowances
A growing number of Florida Medicare Advantage plans — particularly D-SNPs for dual eligible beneficiaries — include monthly grocery allowances loaded onto prepaid debit cards. Amounts range from $25 to $200 per month depending on the plan and your eligibility. Some plans restrict spending to healthy foods; others allow broader purchases.
Over-the-Counter Allowances
OTC allowances for health products like vitamins, pain relievers, first aid supplies, and personal care items are standard in many Florida MA plans. Monthly OTC allowances range from $25 to $150, typically loaded onto a prepaid card usable at major pharmacies and retailers.
Transportation Benefits
Many Florida Medicare Advantage plans include non-emergency medical transportation — rides to doctor appointments, pharmacies, and medical facilities. Some plans offer unlimited rides; others cap at a set number per year. For seniors who no longer drive, this benefit can be transformative.
Comparing Extra Benefits
Extra benefits vary dramatically between plans and zip codes. A plan with excellent dental coverage in Broward County may not be available in Collier County. The only way to accurately compare extra benefits is to look at plans available in your specific zip code. Call (435) 612-1009 for a free extra benefits comparison in your area.