Quick answer: For 2027, Optimum HealthCare offers three Medicare Advantage HMOs with drug coverage in Volusia: Optimum Gold Rewards Plan, Optimum Diamond Savings for people with certain chronic conditions, and Optimum Emerald Partial for people with Medicare and Medicaid. All three have a $0 monthly plan premium. We can compare them with other carriers during the Annual Enrollment Period, October 15 to December 7.
Optimum HealthCare is a Florida HMO company owned by Elevance Health, the same parent company as Freedom Health. Its Volusia lineup for 2027 is small and focused: one plan for most people, one for people with chronic conditions, and one for people who also have Medicaid.
| Plan | Plan ID | Type | Monthly premium | Max out-of-pocket | PCP / specialist | Part B giveback | Drug deductible | OTC |
|---|---|---|---|---|---|---|---|---|
| Optimum Gold Rewards Plan | H5594-022 | HMO | $0 | $4,450 | $0 / $35 | None | $0 | $30 a month |
| Optimum Diamond Savings | H5594-030 | HMO C-SNP | $0 | $5,000 | $0 / $30 | $65 a month | $0 | $30 a month |
| Optimum Emerald Partial | H5594-016 | HMO D-SNP | $0 | $500 | See SB | None | $105 | See SB |
Source: each plan’s 2027 Summary of Benefits; premium, MOOP and drug deductible cross-checked with the CMS CY2027 Landscape file (Sept. 2026). In-network figures. Plan year 2027.
Gold Rewards has no monthly premium and no Part D deductible, a $35 specialist copay and a $4,450 in-network out-of-pocket limit. Its 2027 Summary of Benefits lists $0 preventive and comprehensive dental with set yearly limits, such as two cleanings and two fillings, and a $30 monthly over-the-counter allowance that doesn’t roll over.
Diamond Savings is a Chronic Condition Special Needs Plan for people with diabetes, cardiovascular disorders and/or chronic heart failure. It reduces your Part B premium by $65 a month and has a $30 specialist copay. Your doctor needs to confirm a qualifying diagnosis.
Dual plan: Optimum Emerald Partial (HMO D-SNP) is for people who have both Medicare and Florida Medicaid. Its out-of-pocket limit is $500 per the CMS data.
Optimum’s plans are HMOs, so you’ll choose a primary care doctor in its network. If you like the plan but your doctor isn’t in it, we have relationships with several doctors’ offices in our area. We’ll help place you with a provider who takes Optimum and make a warm introduction.
See our 2027 guides for Florida Blue, Aetna, UnitedHealthcare, Wellcare, Health First, Freedom Health, Humana and CarePlus, Devoted Health and HealthSpring, or start with our list of insurance companies we work with.
Yes. CMS 2027 data lists three Optimum HealthCare HMO plans with drug coverage in Volusia County.
Yes. Optimum Gold Rewards Plan (HMO) H5594-022 has a $0 monthly plan premium and no Part D deductible, according to its 2027 Summary of Benefits. You still pay your Part B premium.
Optimum Diamond Savings (HMO C-SNP) H5594-030 reduces your Part B premium by $65 a month. It’s for people with diabetes, cardiovascular disorders or chronic heart failure.
Yes. Both are owned by Elevance Health, but they’re separate plans with their own networks and benefits.
Yes. We work with several local doctors’ offices and can help place you with a new provider and make a warm introduction.
Sit down with us at our South Daytona office or talk by phone. We’ll run your doctors and every prescription through the 2027 plans for your ZIP code.
This page is for general education. Plan availability, benefits, premiums, networks, drug lists and costs vary by county and plan year and can change on January 1 each year. Figures come from each plan’s 2027 Summary of Benefits and the CMS 2027 plan data; always confirm with the plan’s Evidence of Coverage. HealthBrokerFL / USA Benefits Group is an independent insurance agency and is not affiliated with, or endorsed by, Optimum HealthCare. We are not connected with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.