Miami-area carriers, real enrollment data, free quotes from a licensed Florida agent.
✓ Free • no obligation • about 90 seconds
Matt Giron
Licensed in Texas
Miami-Dade County, FL has about 2,716,940 residents per the 2024 ACS 5-year estimates (19% age 65 or older). The leading insurance carriers serving the county for final expense include UnitedHealthcare MedicareMax FL-0028, Humana Gold Plus H1036-054C, UnitedHealthcare Preferred FL-0001. We compare options at no cost to you.
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Miami-Dade County has about 2,716,940 residents, 19% of them 65 or older. For final expense, the carriers with the strongest local presence include UnitedHealthcare MedicareMax FL-0028, Humana Gold Plus H1036-054C, UnitedHealthcare Preferred FL-0001 — but the right fit depends on your household size, income, and which doctors you want to keep. We compare UnitedHealthcare MedicareMax FL-0028 against every other carrier serving Miami-Dade County at no cost, because the plan with the lowest sticker premium is rarely the one with the lowest total annual cost once subsidies, deductibles, and your prescriptions are factored in. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
What makes Miami-Dade County different: Among the highest MA penetration of any large U.S. county (~80%, KFF 2024). 46 MA plan options in 2026; 70% rated 4+ stars (medicare.org).
UnitedHealthcare MedicareMax FL-0028 (HMO)
4-star CMS rating
Humana Gold Plus H1036-054C (HMO)
4-star CMS rating
UnitedHealthcare Preferred FL-0001 (HMO)
4-star CMS rating
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
Each Final Expense plan builds its own provider network — a hospital that's in-network on one plan may be out-of-network on another. Miami-Dade County has 3 major hospital systems. Before you enroll, check that your preferred hospital and physicians participate in the specific plan you're considering.
Call each hospital's billing office directly — or use the carrier's network tool on the right to search by hospital name.
Or skip the cross-checking — we run network checks against your prescriptions and doctors at no cost during any consult.
Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Miami-Dade County plans that fit your situation.
Miami-Dade County has about 2,716,940 residents per the 2024 ACS 5-year estimates; 19% are age 65 or older.
The largest carriers in Miami-Dade County are UnitedHealthcare MedicareMax FL-0028 (HMO), Humana Gold Plus H1036-054C (HMO), UnitedHealthcare Preferred FL-0001 (HMO). We work with all of them and a few smaller carriers that often have better rates for specific situations.
Florida SHINE — Miami-Dade (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Jackson Memorial Hospital, Baptist Hospital of Miami, Mount Sinai Medical Center.
Miami-Dade County has one of the highest penetrations of Medicare among large U.S. counties, with about 80% of residents aged 65+ enrolled (KFF 2024). This reflects a significant portion of the population choosing this coverage.
Our simplified-issue whole life insurance for funeral and burial costs ranges from $5,000 to $50,000. The exact premium depends on your age, health, and coverage needs.
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