Best Medicare Supplement Plans in Florida 2025
Navigating Medicare can feel complicated, especially when you realize that Original Medicare (Parts A and B) doesn’t cover all of your healthcare costs.
That’s where Medicare Supplement plans (Medigap) come in. These plans, offered by private insurers, are designed to cover the out-of-pocket expenses that Medicare leaves behind, such as deductibles, copays, and coinsurance.
In Florida, residents have access to ten standardized Medigap plans, ensuring that the benefits remain consistent no matter where you live, from Miami to Jacksonville.
Whether you’re turning 65 this year or simply exploring better coverage options, this guide will walk you through the top Medicare Supplement plans in Florida for 2025, what they cover, how they compare, and which insurance companies offer the best value.
Top Medicare Supplement Plans in Florida (2025)
Original Medicare (Parts A and B) covers a lot, but it doesn’t pay for everything. You’re still responsible for things like deductibles, copayments, and coinsurance.
That’s where Medigap, or Medicare Supplement insurance, comes in. These plans are sold by private insurers and help fill in the “gaps” in Medicare.
#1. Plan G
One of the most popular and comprehensive options is Plan G. This plan covers nearly all out-of-pocket Medicare costs except for the Part B deductible, which is $257 in 2025. It’s a favorite among those who want predictability and broad protection.
Here’s a breakdown of what Medigap Plan G covers:
- Medicare Part A coinsurance and hospital costs: Covers 100% of your share after Medicare pays, for up to 365 additional days after your Medicare benefits are used up.
- Medicare Part B coinsurance or copayment: Covers the 20% that Medicare doesn’t pay for doctor visits, outpatient care, and other services.
- Blood (first 3 pints): Pays for the first three pints per year, which Original Medicare does not cover.
- Part A hospice care coinsurance or copayment: Covers your out-of-pocket hospice costs that Medicare doesn’t pay.
- Skilled nursing facility coinsurance: Covers the coinsurance for skilled nursing care after a hospital stay, which Medicare partially covers.
- Medicare Part A deductible: Pays the hospital deductible ($1,676 in 2025), which you would otherwise pay out of pocket.
- Medicare Part B excess charges: Covers the difference if a doctor charges more than Medicare’s approved amount (up to 15% more often).
- Foreign travel emergency care: Covers 80% of emergency medical costs abroad (up to plan limits), which Original Medicare does not cover at all.
Plan G could be a great choice if you don’t mind covering the small Part B deductible yourself. It keeps your healthcare costs predictable, gives you many doctor options, and offers solid financial protection.
For many people, it’s the perfect balance between cost and coverage.
#2. Plan N
Plan N gives you most of the same benefits as Plan G but has lower monthly premiums.
However, Plan N does come with some cost-sharing. You’ll be responsible for the Medicare Part B deductible ($257 in 2025), and you may pay up to $20 for some doctor visits and up to $50 for emergency room visits if you’re not admitted.
Unlike Plan G, it doesn’t cover Part B excess charges, so seeing a doctor who charges more than Medicare’s approved amount could result in additional costs.
Plan N covers key benefits (like Plan G) such as hospital stays, skilled nursing facility care, hospice coinsurance, blood transfusions, and the Medicare Part A deductible. It also includes 80% coverage for emergency care while traveling abroad.
Overall, Plan N is well-suited for people who want solid coverage and are willing to manage small, occasional out-of-pocket expenses in exchange for lower premiums.
#3. High-Deductible Plan G
For those looking to save even more, High-Deductible Plan G (HDG) is a cost-effective version of the standard Medigap Plan G. It offers the same benefits but requires a higher deductible before the plan begins to cover expenses.
This can be a great option in Florida for people who want protection from large medical bills but are comfortable covering routine costs themselves.
Key Features of High-Deductible Plan G
- Deductible: You must pay a $2,870 deductible in 2025 before the plan starts paying for Medicare-covered services.
- Coverage after deductible: Once the deductible is met, HDG covers everything that standard Plan G covers – including hospital costs, skilled nursing, hospice care, Part B coinsurance, and excess charges.
- Premiums: Monthly premiums are much lower than standard Plan G, often under $100 in many parts of Florida. Rates vary based on your age, ZIP code, and insurer.
- Foreign travel: Includes 80% coverage of emergency care abroad (up to plan limits).
HDG is ideal for relatively healthy individuals who want peace of mind for serious or unexpected health issues but don’t want to pay high monthly premiums.
It works well if you rarely visit doctors or hospitals and can afford to cover your initial medical costs up to the deductible.
Plan G vs. Plan N: Coverage Comparison
Both Medigap Plan G and Medigap Plan N are popular Medicare Supplement (Medigap) plans that help cover out-of-pocket costs not paid by Original Medicare (Part A & B).
Below is a breakdown of their coverage and differences.
| Benefit | Plan G | Plan N |
|---|---|---|
| Medicare Part A Coinsurance & Hospital Costs | 100% | 100% |
| Medicare Part B Coinsurance | 100% | 100% (except small copays) |
| First 3 Pints of Blood | 100% | 100% |
| Part A Hospice Care Coinsurance | 100% | 100% |
| Skilled Nursing Facility Coinsurance | 100% | 100% |
| Medicare Part A Deductible | 100% | 100% |
| Medicare Part B Deductible | Not Covered | Not Covered |
| Medicare Part B Excess Charges | 100% | Not Covered |
| Foreign Travel Emergency (80%) | Yes | Yes |
Takeaway: Plan G and Plan N are popular Medicare Supplement plans with key differences. Plan G offers full coverage for Part B coinsurance, ER visits, and excess charges, making it ideal for those who want predictable costs and no copays.
Plan N has lower monthly premiums but includes copays for doctor and ER visits and does not cover Part B excess charges.
Choose Plan G for comprehensive coverage or Plan N to save on premiums if you’re okay with minor out-of-pocket costs.
What’s the Most Popular Medicare Supplement Company in Florida?
With various providers offering Medigap plans, choosing the right one can be overwhelming.
In this section, we’ll compare some of the most popular Medigap providers – Florida Blue, Mutual of Omaha, Aflac, and Aetna – to help you make an informed decision.
#1. Florida Blue
Florida Blue, the Blue Cross Blue Shield provider for Florida, offers a variety of Medicare Supplement (Medigap) plans designed to help cover the gaps left by Original Medicare (Parts A and B).
Known for its strong brand reputation and customer service, Florida Blue is a popular choice for retirees across the state.
| Florida Blue typically offers several Medigap plans, but the most commonly selected are: Plan G: Covers everything except the Medicare Part B deductible. Offers the most comprehensive coverage for new enrollees. Plan N: Has slightly lower premiums than Plan G but includes small copays for office and ER visits and doesn’t cover Part B excess charges. High-Deductible Plan G: Offers the same coverage as Plan G after a $2,870 deductible (2025), with much lower monthly premiums. Plan A: The most basic plan, covering only essential benefits like Part A coinsurance and hospice care. |
Florida Blue’s Key Features
- “Same Age Forever” Program: One of Florida Blue’s standout features is its option to lock in your premium based on your age at enrollment. This can help avoid age-related premium increases in the future.
- Large Network: Florida Blue is widely accepted across the state and maintains access to most doctors and hospitals participating in Medicare.
- Customer Service: Florida Blue has local offices throughout Florida, and many enrollees appreciate the ability to get in-person support.
Premiums: Florida Blue’s Medigap premiums vary by factors like age and ZIP code. On average, Plan G costs $180–$220/month for a 65-year-old, Plan N is $140–$180/month, and High-Deductible Plan G is under $100/month.
Should You Choose Florida Blue?
Florida Blue is definitely worth considering if you live in Florida and want a stable, well-known insurer with good customer service and competitive pricing.
The “Same Age Forever” feature may offer long-term savings if you plan to stay with your supplement plan for many years.
However, comparing their rates with those of other top providers ensures you’re getting the best value for your needs.
#2. Mutual of Omaha
Mutual of Omaha is one of the most trusted names in Medicare Supplement insurance, offering a strong track record of financial stability and customer satisfaction.
For Florida residents, Mutual of Omaha provides competitive pricing, a straightforward enrollment process, and a solid selection of Medigap plans designed to cover the gaps left by Original Medicare.
| Mutual of Omaha offers several popular Medigap options in Florida, with the most commonly chosen including: Plan G: Provides comprehensive coverage except for the Medicare Part B deductible. It’s the top choice for new enrollees seeking full protection without overpaying. Plan N: A budget-friendly alternative to Plan G. Offers similar benefits but includes small copays and doesn’t cover Part B excess charges. High-Deductible Plan G: Same coverage as standard Plan G after a $2,870 deductible (2025). Ideal for those who want low premiums and are comfortable with higher upfront costs. |
Mutual of Omaha’s Key Features
- Competitive Premiums: Mutual of Omaha is often one of the lowest-cost providers for Plan G and Plan N in Florida, especially for healthy non-smokers.
- Strong Financial Ratings: Consistently earns high marks from A.M. Best and other rating agencies for financial strength and claims-paying ability.
- Simple Application Process: Offers a user-friendly online application and quick underwriting decisions, with some applicants qualifying for instant approval.
- Household Discount: In many parts of Florida, Mutual of Omaha offers a discount (often around 7%) if more than one person in the household enrolls.
Premiums: Mutual of Omaha’s Medigap plan premiums vary based on age, gender, tobacco use, and location. For a 65-year-old in Florida, Plan G costs $180–$210/month, Plan N is $140–$170/month, and High-Deductible Plan G is under $90/month.
Should You Choose Mutual of Omaha?
Mutual of Omaha is a great option for Florida seniors looking for low premiums, reliable service, and straightforward plan options.
The company’s history of stable rate increases and nationwide recognition adds peace of mind.
While it may not offer as many extra perks as some competitors, Mutual of Omaha’s strong core value, competitive pricing, and household discounts make it a solid choice for many Floridians.
#3. Aflac
Aflac, best known for its supplemental accident and disability insurance, also offers Medicare Supplement (Medigap) plans in select states, including Florida.
While not as widely recognized in the Medigap space as providers like Mutual of Omaha or Florida Blue, Aflac is gaining traction for its reliable coverage and brand trust.
For Florida residents, Aflac provides several standardized Medigap options that help manage out-of-pocket healthcare expenses under Original Medicare.
| Aflac typically offers the most popular Medicare Supplement plans, focusing on the ones that provide a good balance of cost and coverage: Plan G: Covers everything except the Medicare Part B deductible. A solid choice for comprehensive protection and stable out-of-pocket costs. Plan N: Offers lower monthly premiums than Plan G with cost-sharing for certain doctor and ER visits. A good fit for those comfortable with small copays. |
Aflac’s Key Features
- Brand Recognition: Aflac is a well-known and trusted insurance brand, which may appeal to customers looking for a familiar name with a history of supplemental insurance products.
- Easy Enrollment: Offers online tools and agent support to help guide you through enrollment.
- Well-Rounded Support: While Aflac’s Medigap plans are relatively new compared to traditional carriers, they leverage a strong service infrastructure for claims and customer assistance.
- Growing Presence: Though still expanding its Medigap footprint, Aflac is becoming increasingly available in many Florida counties.
Premiums: In Florida, Aflac’s Plan G averages $185–$215/month for a 65-year-old, Plan N costs $145–$175/month, and High-Deductible Plan G is often under $95/month.
Should You Choose Aflac?
If you’re familiar with Aflac and appreciate the convenience of working with a company you already trust, its Medicare Supplement plans in Florida are worth considering.
Aflac offers competitive coverage in line with standard Medigap benefits and is backed by strong brand recognition.
However, because Aflac is still establishing itself in the Medicare Supplement market, it is important to compare quotes and service reviews with more established providers like Mutual of Omaha, Florida Blue, and Aetna.
Ultimately, Aflac could be a great fit if you value simplicity and brand reputation and are looking for a fresh alternative in Florida’s Medigap landscape.
#4. Aetna
Aetna, a CVS Health company, is one of the most established and trusted names in health insurance, including Medicare Supplement (Medigap) coverage.
In Florida, Aetna offers several Medigap plan options tailored to help cover the out-of-pocket costs that Original Medicare doesn’t pay.
With competitive pricing, nationwide provider access, and a strong reputation, Aetna is a solid option for Floridians looking for dependable Medicare coverage.
| Aetna focuses on the most popular and valuable Medigap options that provide strong benefits for a variety of needs and budgets: Plan G: A top choice for comprehensive coverage. It pays all Medicare-approved costs except the Part B deductible of $257 in 2025. Plan N: Offers lower monthly premiums in exchange for small copays and no coverage for Part B excess charges. Great for healthy individuals who want to save on premiums. High-Deductible Plan G: Provides the same coverage as standard Plan G after you meet a $2,870 annual deductible. A budget-conscious option for those with low annual healthcare costs. |
Aetna’s Key Features
- Strong National Network: Aetna Medigap plans work with any provider who accepts Medicare, giving you access to doctors and hospitals across Florida and the U.S.
- Part of CVS Health: Being backed by a major healthcare company ensures stability, access to pharmacy support, and integrated service options.
- Multi-policy Discount: Aetna may offer a household discount (typically 7–10%) if you and a spouse or partner enroll in Medigap policies together.
- User-Friendly Tools: Aetna provides a helpful online member portal, mobile app access, and clear communication to simplify plan management.
Premiums: Aetna’s Medicare supplement premiums in Florida vary based on factors like age and location. For a 65-year-old, Plan G costs $180–$210/month, Plan N is $145–$170/month, and High-Deductible Plan G is under $95/month. Pricing may differ, so personalized quotes are recommended.
Should You Choose Aetna?
Aetna is a great choice for Florida Medicare enrollees who want a reputable provider with reliable benefits, competitive rates, and access to a nationwide network.
Their Plan G and Plan N options are particularly popular for balancing coverage and cost. With backing from CVS Health, Aetna also offers strong customer service and helpful digital tools.
While Aetna may not always be the absolute lowest-priced provider in every ZIP code, it consistently ranks among the best value options.
If you compare Aetna to companies like Mutual of Omaha, Florida Blue, or Aflac, it should be on your shortlist.
Summary
Each of these providers offers strong Medigap plans, but the best choice depends on your needs and budget.
| Best for Premium Stability: Florida Blue’s “Same Age Forever” Program – great for those who want to avoid drastic premium hikes as they age. Best for Budget-Friendly Option: Mutual of Omaha High-Deductible Plan G – low premiums with a high deductible safety net. Best for Discounts and Perks: Florida Blue Medigap plans offer the best extra features. Best for Lower Premiums: Aflac and Aetna Medigap plans with competitive pricing. |
A Few Things to Keep in Mind
Timing your enrollment is key. The best time to buy a Medigap plan is during your six-month Open Enrollment Period, starting when you’re 65 and enrolled in Medicare Part B.
During this time, you can’t be denied coverage due to health conditions, and insurers can’t charge you more because of your medical history.
Also, unlike Medicare Advantage plans, Medigap policies don’t have provider networks. You can see any doctor who accepts Medicare, which offers great flexibility if you travel often or want to see specific specialists.
How Does Age Impact Medigap Pricing in Florida?
In Florida, Medigap pricing is primarily based on a method called issue-age rating.
This means that the premium you pay for a Medicare Supplement plan is determined by your age at the time you purchase the policy, and it does not increase as you get older, at least not due to age alone.
Here’s how it works:
Your rate is locked in based on the age you are when you buy the policy.
For example, if you purchase a Medigap plan at age 65, your premium will generally be lower than waiting until age 70.
Since your rate is fixed at your enrollment age, purchasing a Medigap policy as soon as you’re eligible (typically at age 65) often makes sense to lock in the lowest possible rate.
While your age won’t drive your premium up under issue-age rating, insurers can still raise premiums based on:
- Inflation or rising healthcare costs
- Claims experience within your age group or region
- Changes to company policy or state regulations
Key Takeaway: Age does impact your starting premium for Medigap plans in Florida, but thanks to issue-age pricing, your rate won’t increase just because you’re getting older.
Purchasing during the Medigap Open Enrollment Period is the best way to ensure long-term savings and avoid rising premiums.
Bottom Line: Choosing the Best Medicare Supplement Plan in Florida (2025)
In 2025, Florida residents will have a strong selection of standardized Medicare Supplement (Medigap) plans to help cover the gaps in Original Medicare.
Whether you’re about to turn 65 or thinking about switching plans, understanding your options is key to reducing healthcare costs and avoiding unexpected bills.
If you’re looking for comprehensive coverage, Plan G is a top pick, covering everything except the Part B deductible. Plan N is a great alternative with lower premiums and manageable out-of-pocket costs, perfect for those in good health. The High-Deductible Plan G offers affordable protection for anyone on a budget or who doesn’t go to the doctor often.
Picking the right insurer matters, too. Florida Blue stands out with its “Same Age Forever” premium-lock and strong local presence. Mutual of Omaha is known for financial stability and great pricing. Aflac brings trusted name recognition and expanding options, while Aetna, supported by CVS Health, combines reliable service with an easy-to-use digital experience.
Ready for Next Steps?
Finding the best Medicare Supplement plan in Florida really comes down to your personal health needs and budget. Whether you prioritize low premiums, comprehensive coverage, or a stable provider with a long history, there’s a plan out there that fits.
If you’re interested in gaining a deeper understanding of the benefits each Medigap plan offers, take a look at our handy Medicare Supplement Plans Comparison Chart.
Our expertise lies in guiding individuals through their Medicare insurance choices. We have established partnerships with leading Medigap carriers nationwide, guaranteeing exceptional service throughout the process.
As always, it’s smart to shop around and compare quotes from multiple insurers, and don’t hesitate to talk to one of our licensed Medicare agents who can help guide the way.
Frequently Asked Questions
The average cost of a Florida Medigap plan can range from $46 to $300 per month. This depends on factors such as age, gender, health status, and the type of coverage you choose.
Plan G is one of Florida’s best Medicare Supplement plan options. It offers a wide range of coverage, including coinsurance and copayments.
Yes, but outside your initial enrollment period, you may have to undergo medical underwriting and could be denied or charged more based on health status.
No. Medigap plans do not include prescription drug coverage. You’ll need to enroll in a separate Part D plan for that.
Traditional Medigap plans do not cover dental, vision, or hearing. However, some insurance companies offer discount programs or allow you to bundle these benefits with additional standalone policies.
Plan F is only available to people who were eligible for Medicare before January 1, 2020. If you’re newly eligible after that date, Plan F is not an option.
Some doctors charge more than Medicare’s approved rate. These are called Part B excess charges. Plan G covers these charges; Plan N does not. You can avoid them by choosing doctors who accept Medicare assignment.
Yes. Medigap plans work nationwide with any doctor or hospital that accepts Medicare. Plans G and N (and some others) also cover 80% of emergency medical costs abroad, up to $50,000.
Yes – indirectly. While Original Medicare has no out-of-pocket cap, Medigap plans significantly reduce or eliminate your costs. For example, Plan G pays 100% of approved charges after the Part B deductible.
Not during your Open Enrollment Period. After that, insurers can use medical underwriting and potentially deny coverage or increase premiums if you have certain health conditions.
No, the benefits are standardized across the U.S. A Plan G in Florida covers the same things as a Plan G in California. However, premiums, carrier options, and local rules can differ by state.
Article Resources:
- Types of Medigap Plans
- When Can I Apply for a Medicare Supplement Plan?
- How Do I Enroll in a Medigap Plan?
- When Can I Change Medigap Plans?
- Can I Be Denied Medigap Coverage?
- CMS Medicare Services
- Florida Department of Elder Affairs
Disclaimer:
Average quotes are for sample purposes only. Actual premiums are based on several factors, including health conditions, age, location, tobacco status, gender, and insurance provider.
