For soon-to-be Florida Medicare beneficiaries who want to organize benefits and lower out of pocket costs, a Florida Blue Medicare Supplement Plan G could be your best option. This article is full of valuable information to help you decide if it’s the right plan for your health care needs.
What is Florida Blue Medicare Plan G?
Blue Cross Blue Shield Florida, now called Florida Blue, is a member of the Blue Cross and Blue Shield Association which is a federation of 35 health insurance companies across the United States.
If you live in Florida and have Medicare Part A and Part B, you are eligible for enrollment in a Florida Blue Medicare Supplement plan like Plan G.
Today, Plan G is quickly becoming the most popular of the 10 standardized Medicare Supplement plans. This is true because Plan G provides the highest level of benefits available for new Medicare enrollees as of January 1, 2020.
In fact, Plan G has full coverage for all Original Medicare gaps except the Part B deductible of $203.00 (as of 2021).
Is Medicare Plan G available in Florida?
Yes, Medicare Plan G, as well as other Medigap plans are available in Florida. You are eligible for enrollment in one of the available Medicare Supplement insurance plans if you are:
- At least 65 years old, or
- Under 65 with a qualifying disability and receiving Social Security Disability benefits for the required amount of time, or
- Under 65 with end-stage renal disease, and
- Enrolled in Original Medicare Part A and Part B
What is the deductible for a Plan G Florida Blue Medigap plan?
Florida Blue Medicare Supplement Plan G does not have an annual out-of-pocket deductible. However, you must pay your annual deductible for your Original Medicare Part B benefits which is $203.00 as of 2021.
What does Florida Blue Medicare Supplement Plan G pay for?
Medicare Supplement Plan G offers the most comprehensive coverage of all Medicare Supplement plans that are available for those new to Medicare.
Medigap Plan G is ready to fill in the gaps left by your Medicare Part A and Part B benefits. Here’s what Plan G covers:
- Part A inpatient hospital coinsurance
- Inpatient hospital costs for up to 365 additional days after Original Medicare benefits are exhausted
- Part A hospice care copayments or coinsurance
- Part A deductible
- Part B coinsurance for preventive outpatient office visits
- Part B coinsurance or copays
- Excess charges for Part B Part B excess can occur when a physician you use does not accept Medicare assignment.
- First three pints of blood needed for a medical procedure
- Skilled nursing facility care coinsurance
- Foreign travel emergency care up to plan limits
- The Part B deductible is NOT covered
How much does Florida Blue Medicare Supplement Plan G cost?
For a 65-year-old female, non-smoker who lives in the 32803 zip code area of Florida, the average monthly premium for Plan G would be $191.70. This Florida Blue Medicare Supplement plan also gives you options for additional benefits with added monthly costs.
What you pay for your monthly Plan G premium with an insurance company like Florida Blue depends on the following factors:
- Where you live
- Your personal health
- The plan you choose
- Additional coverage options
- How your insurers rate their premiums
There are three ways Medicare Supplement insurance providers rate premiums:
- Community-rated: Premium rates are not based on age, and all beneficiaries pay the same amount.
- Issue-age-rated:Your monthly premium is calculated according to your age when you purchase your Medigap plan.
- Attained-age-rated: Premiums go up as you age because they are based on your current (attained) age.
What Medicare Supplement plans does Florida Blue offer?
Medicare beneficiaries have 14 Medicare Supplement plan options with Florida Blue across the entire state. Which plan options you have, depend on what is available in your location.
Do Florida Blue Medicare Supplement plans cover Silver Sneakers?
Your Medicare benefits do not cover fitness club memberships, but Florida Blue Medicare Plan G and other Florida Blue Medicare Supplement plans do. Members can sign up for Silver Sneakers and pay an additional monthly premium if they want to take part in the program.
Enrollment in Silver Sneakers gives members unlimited access to thousands of gyms, wellness programs, fitness classes, exercise equipment, and pools all across the country.
Is Florida Blue Medicare Supplement accepted in other states?
Yes, if you have one of the Florida Blue Medicare Supplement health plans, you can go anywhere in the United States. Your medical expenses are covered by your Medigap plan if you get your outpatient services from a provider that accepts Medicare.
If you get one of the Florida Blue Medicare Advantage plans (Part C) that are available, you have two options:
- PPO Medicare Advantage plans allow you to get medical services from providers outside a set network.
- HMO plans require that you use health care providers, facilities, and suppliers that are within the plan’s network, except for emergency care in some situations. You may also need a referral from your primary care physician to see other physicians.
Are all Plan G Medicare Supplements the same?
There are 10 Medigap plans – A, B, C, D, F, G, K, L, M, and N. Each of these Medicare Supplement plans is standardized and must provide the same coverage to every beneficiary. However, companies that sell them can set their own premium pricing for each of the insurance plans.
Plan G Florida Blue Medicare Supplement offers the same coverage as other Plan G policies do. Some companies also offer a high deductible Plan G that provides the same coverage but has a higher deductible. In 2021, this annual out-of-pocket deductible for the Plan G high-deductible is $2370.00. Enrollees must pay this amount along with the Medicare B deductible of $203.00.
Does Florida Blue Plan G cover Medicare Part D drug coverage?
No Medigap plan covers over-the-counter medications. Coverage for prescription drugs that your health care provider administers in a medical office is provided by your Medicare Part B coverage.
If you want Medicare coverage for a Part D plan, there are prescription drug plans, sold separately, that work together with Original Medicare and Medicare Supplement insurance.
What are the best Medicare Supplement plans in Florida for 2021?
Choosing a Medicare Supplement plan is personal, and you should base your decision on what you need. A quick look at the plans shows us the following facts about some of the plans:
- Plan F has had the richest coverage for years, but it isn’t available for new Medicare enrollees as of January 1, 2020.
- Plan C is no longer available for new Medicare enrollees either because it covers the Medicare B deductible.
- Plan A has the lowest premium but offers the most basic coverage. But Plan A doesn’t include benefits like foreign travel or Part B excess costs.
- Plan N does not cover Part B excess costs, and it provides less coverage for emergency room care.
Today in Florida, Medicare Supplement Plan G is rapidly catching up to the popularity of Plan F making it one of the most-sold Medigap plans in the state. Plan G also has the highest benefit level of any of the 10 Medigap plans that are available for those new to Medicare as of the beginning of 2020.
At My Medigap Plans, we are a Florida Blue Medicare Supplement agency that is licensed to sell individual health, group health, and Medicare Supplement policies in the State of Florida.
We are your top resource for Florida Blue Medicare insurance. If you would like to fill out a Florida Medicare Supplement plan application, or if you would like to learn more about your options, we can help. Don’t assume that your application will be rejected because you have a long-term medical condition!
Not only can you fill out a simple form here on our website to get more information about your options, but you can also give us a call so that we can provide you with additional guidance.
Please note: We are not Florida Blue. This is our general opinion of Florida Blue Medicare Supplement plans. Refer to your complete policy for full coverage details.