Best Medicare Supplement Plans in Florida

Florida offers ten standardized Medicare Supplement plans. Standardized means that Medigap Plan N has the same benefits in Jacksonville as in Tampa. Of the ten options, Plan G is the Best Medicare Supplement plan in Florida, followed by Plan N and High Deductible Plan G with Florida Blue.

The Best Medicare Supplement Plan N rate is $189.00 per month with Florida Blue for a 65-year-old female.

Medicare Supplement Plan Options in Florida:

Medicare Supplement Plan G

When Medicare Plan F was discontinued on January 1, 2020, Medigap Plan G became the most comprehensive coverage for Medicare recipients. If you have an F, you may consider switching to Plan G to take advantage of a reduced premium.

Medicare Supplement Plan N

In 2023, Medicare Plan N will be excellent for individuals who want comprehensive coverage. However, there is a trade-off between monthly premium savings and reduced benefits. Plan N pays the Medicare Part B coinsurance in full, but you are responsible for Medicare Part B copayments as follows:

  • Up to $20 for a visit to your doctor’s office
  • Up to $50 for emergency room visits (waived if you are admitted)

Medicare Supplement High Deductible Plan G

  • High Deductible Plan G has the Same Benefits as Medicare Plan G
  • Annual Deductible of $2,700
  • Significantly Cheaper than Medicare Plan G
  • Considerably Cheaper than High Deductible Plan F yet Covers everything in high deductible F except for the Part B Deductible 

Medicare Supplement Plan F

Medicare Plan F has the most comprehensive benefits. However, it is not available to people who became eligible for Medicare on or after January 1, 2020. If you were Medicare-eligible before 2020 and enrolled in Plan F, you can keep it.

  • Part A deductible
  • Part B deductible
  • Skilled nursing facility coinsurance
  • Medicare Part A coinsurance and additional days in the hospital
  • Home health care
  • Blood (first 3 pints)
  • Hospice care coinsurance
  • Part B coinsurance or copay
  • Foreign travel emergency
  • Part B excess charge

Top Medicare Supplement Insurance Companies in Florida

There are over 50 insurers that sell Medicare Supplement insurance plans in Florida.

Following are four companies that account for most of the Medicare Supplement insurance sold in Florida, along with A.M. Best ratings for financial strength (ability to meet ongoing insurance obligations):

  1. Cigna: A (excellent)
  2. Aetna: A (excellent)
  3. Mutual of Omaha: A+ (Superior)
  4. Florida Blue (Florida residents only): A+ (Superior)

How Much Do Medicare Supplement Insurance Plans Cost in Florida?

Medicare Supplement Plan costs $198.00 per month in Florida, but rates can depend on your provider.

Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

For this example, the 2023 average monthly premium for a 65-year-old female nonsmoker living in Volusia County is based on three of the available Medicare Supplement plans in Florida.

Premiums will vary based on location and health data.

When Can I Enroll in a Medigap Plan in Florida?

The ideal time for beneficiaries to buy a Medicare Supplement plan in Florida is during the Medigap Open Enrollment period. This period starts the first of the month in which you turn 65 or older. To buy a policy, you need to be enrolled in both Medicare Part A and Medicare Part B.

You have six months to sign up for a Medigap plan once you become eligible. If you miss this window, you may have to undergo medical underwriting, and certain health conditions may impact your premium. In some cases, guaranteed issue rights apply. These are rights in specific situations requiring insurers to sell you a Medicare Supplement Insurance plan in Florida. An example is if you lose your health care benefits because your coverage is no longer available in your service area.

Florida Medicare Resources

Ready To Learn More?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the plan selection process. In addition, we work closely with some of the nation’s top-rated carriers. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. His expertise is unmatched - having helped thousands of Medicare beneficiaries personally choose suitable healthcare plans for themselves - making him stand out above other competitors.