Medicare Supplement Plans in Florida

Medicare Supplement insurance plans in Florida, also called Medigap, help pay for deductibles and coinsurance that Original Medicare doesn’t cover.

Florida offers ten standardized Medicare Supplement plans. Standardized means that Medigap Plan N has the same benefits in Jacksonville as in Tampa.

Medicare Supplement Plan options in Florida:

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

Medicare Supplement Plan G

When Medicare Plan F was discontinued as of 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 2022, Medicare Plan N is 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)

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)

Medicare Supplement Insurance Cost in Florida

As an example, the following is the 2022 average monthly premium for a 65-year-old female nonsmoker living in Volusia County based on three of the available Medicare Supplement plans in Florida:

Premiums will vary based on location and health data.

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.

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.

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.

Florida Medicare Resources

Key Take Aways

  • In Florida, Medicare Plan G is the most popular plan for 2022.
  • Medigap plans are guaranteed renewable as long as you pay your premiums.
  • Medicare Supplement plans do not use a network, go wherever Original Medicare is excepted.