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Overview of Medicare Supplement Plans in Florida

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Take Aways
  • There are 10 Medicare Supplement Plans in Florida to choose from.
  • In Florida, Medicare Supplement Plan G is the most popular plan.
  • Medigap Plans do not use a network, go wherever Original Medicare is excepted

For Florida Medicare beneficiaries, Medicare Supplement plans in Florida are a way to offset some of their out-of-pocket health care expenses. Out-of-pocket costs include coinsurance and deductibles. Supplemental insurance also offers financial protection if you have an accident or serious illness.

Common Florida Medicare Supplement Plan Questions:

What is Medicare Supplement Insurance?

When you sign up for coverage through the federal Medicare program, you can receive benefits two ways:

  • Original Medicare (Medicare Part A and Medicare Part B)
  • Medicare Advantage

Original Medicare pays 80% of approved expenses. You pay the remaining 20%. Depending on which plan you buy, Medicare Supplement plans in Florida cover all or part of that 20%. Your policy’s effective date is 30 days after you enroll.

Medicare supplement insurance plans in Florida do not cover the following:

  • Prescription drug coverage
  • Vision
  • Dental
  • Hearing

To get drug coverage, you must buy a separate Prescription Drug Plan.

What are the top 5 Medicare Supplement Plans in Florida?

The best Medicare Supplement plan in Florida is different for each beneficiary. Here’s a quick look at the top five plans in Florida to see how they compare.

1. Plan F: Most Coverage

  • Plan F covers all copayments, deductibles, and coinsurance, including Medicare Part A deductible and Part B deductible
  • Must have an Original Medicare start date prior to Jan. 1, 2020

2. Plan G: Most Popular

  • Most comprehensive coverage for Medicare beneficiaries whose eligibility for Medicare Supplement insurance plans starts after Jan. 1, 2020
  • Covers everything except Part B deductible
  • Good value for those also eligible for Medicare Plan F

3. Plan N: Value and Coverage

  • Lower premiums if willing to trade certain benefits for additional savings
  • Pays Part B coinsurance except for copayments:
    up to $20 for office visit and up to $50 for ER (waived if admitted)
  • Does not cover Part B excess charges or Part B deductible

4. Plan High Deductible F: Savings Paired with Original Plan F Benefits

  • Benefits same as Plan F but requires annual deductible before coverage kicks in
  • Significantly cheaper than original Plan F

5. Plan High Deductible G: Innovation and Savings

  • Same benefits as Plan G but requires annual deductible before coverage starts
  • Cheaper than Plan G

What Companies Sell Medigap Plans in Florida?

Following is a sample list of private health insurance companies that sell Medigap policies in Florida. The ratings refer to the financial strength of these insurers as assessed by A.M. Best:

  1. Cigna: A (excellent)
  2. Aetna: A (excellent)
  3. Mutual of Omaha: A+ (superior)
  4. Humana: A (excellent)
  5. UnitedHealthcare: A (excellent)

What Is the Best Supplemental Insurance To Go With Medicare?

The best Medigap plan in Florida is the one that meets your health and financial needs. It’s a personal choice, but we can offer some guidance to help you pick between the leading Medicare Supplement insurance plans.

What is the most popular Medicare Supplement plan in Florida for 2021?

Now that F is no longer available to new Part B subscribers, G is quickly becoming the most popular option in Florida.

Which plan has the best benefits?

If your goal is to pay one reasonable premium and eliminate out-of-pocket costs, F or G will offer the most comprehensive coverage. Plan F offers the best benefits but is only available to enrollees eligible for Medicare prior to January 1, 2020.

How do I choose the best plan?

There are many factors to consider when selecting Medicare Supplement plans in Florida, including but not limited to:

  • Maximum budget
  • Frequency of doctor visits
  • Location

Our Policy Guides are always ready to provide personalized information that makes the selection process easier. We can help you get the coverage you need at the best rate possible.

What is the most popular Medicare Supplement plan in Florida for 2021?

Now that F is no longer available to new Part B subscribers, G is quickly becoming the most popular option in Florida.

What Is the Average Cost of a Medicare Supplement Plan in Florida?

For illustration purposes, the following data shows rates for Medicare Supplement Insurance plans in Florida applicable to a 65-year-old female nonsmoker living in DeKalb County, zip code 30002. For this sample, the average monthly rate is about $127.

Georgia Medigap Plan Monthly Premium Range Average Monthly Premium
Medicare Plan N $96.42 – $123.00 $106.91
Medicare Plan G $111.75 – $139.82 $127.69
Medicare Plan B $124.12 – 169.25 $146.69

Is Plan G the Best Medigap Plan in Florida?

What does it cover?

How much does it cost?

Premiums for Plan G vary based on location, tobacco use, and age. Here’s a cost comparison for a 65-year-old female who does not smoke:

  • Zip code 43050: $113.85 average (range $93.70-$144.97)
  • Zip code 44124: $124.25 average (range $106.03-$152.45)

What is the Plan G deductible in 2021?

Plan G does not have a deductible. However, you have to pay your Medicare Part B deductible, which is $203 for 2021.

Which is better, Plan G or Plan N?

Both Plan G and Medicare Plan N offer good coverage. Plan G has slightly higher premiums. Plan N has a higher cost-share. Here’s how they compare.

What they cover:

  • Part A coinsurance
  • Part A deductible
  • Hospital costs
  • First three pints of blood
  • Part A hospice care copay or coinsurance
  • Skilled nursing facility coinsurance
  • Foreign travel emergency

How they differ:

  • Medicare Plan G pays all Part B coinsurance. Plan N has copays for office and emergency room visits, then picks up the remaining Part B coinsurance.
  • Plan G covers excess charges. Plan N does not. However, in Ohio, doctors aren’t allowed to apply the Part B excess charges.
Quick Tip

1. You CANNOT have a Medicare Supplement AND a Medicare Advantage at the same time.

2. To avoid Medical Underwriting, apply when you first become Medicare eligible.

3. Medigap Plans DO NOT use provider networks, see any doctor that takes Original Medicare.

Related Topics

Florida Medicare Resources

State and Government Links

  • Florida SHINE – Get answers to your healthcare questions and receive help selecting the best Medicare Supplement insurance plan in Florida. Specialized volunteers are available to help all Medicare beneficiaries in Florida.
  • www.medicare.gov – The Medicare resource through the United States government. This site will help you learn about the Medicare benefits, and it provides information about how to sign up for the Medicare program.
  • CMS: Centers for Medicare and Medicaid Services – Offers information about Medicare and Medicaid.

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 process of plan selection. We work closely with some of the nation’s top-rated carriers such as Florida Blue. Take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

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