fbpx

Best Medicare Supplement Plans In Florida

Find affordable Medicare Supplement plans

In this article we’ll discuss:

The editorial goal for REMEDIGAP is to help you make educated decisions on your healthcare needs. While many of our posts may display links to lead forms, this will not influence the content of our writing. We implement strict editorial standards so that we can provide you accurate information.

Florida Medicare Supplement Plans

Medicare does not cover all of the costs of medical care, so many people in Florida choose to buy a Medicare supplement insurance plan.
If you’re looking for the best Medicare Supplement plans in Florida, you’ve come to the right place. In this guide, we’ll walk you through how to compare plans and find the best value when shopping for Florida Medigap plans.

Top 3 medicare supplement plans in florida

 
Medicare supplement plans, also called Medigap, can help pay for some of the costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. These plans are offered by private insurance companies and are different from Medicare Advantage Plans (like an HMO or PPO). 
 
There are different Medigap plans available in Florida, and it can be tough to decide which one is right for you. Luckily, we’ve done the research to help you make the best decision for your needs. The best Medigap plans in Florida are Plans F, G and N. These plans offer comprehensive coverage, making it a great choice for those who want peace of mind when it comes to their health care costs.

Medicare Supplement Plan F

Medicare supplement Plan F has been a popular choice for those on Medicare since it was first introduced in 1982. The reason for its popularity is that it covers all of the gaps in Medicare Part A and Part B, including the deductibles and co-pays. In addition, it also covers foreign travel emergency care. Because of these reasons, many people on Medicare choose this plan as their supplement plan to Original Medicare.

As of 2020, Medicare Supplement Plan F is no longer be available to new enrollees. It was the most popular of the Medicare supplement plans, but it is being phased out as part of the standardization of Medigap plans. While current enrollees in Plan F will be able to keep their coverage, those who are not yet enrolled will have to choose from the other available plans.

Medicare Supplement Plan G

Medicare Supplement Plan G is a supplemental insurance plan that helps cover gaps in Medicare Part A and Part B coverage. This includes things like co-pays, deductibles, and coinsurance. Plan G also covers some foreign travel expenses. Plan G is a great option for those who can’t purchase Plan F, but want the most comprehensive coverage available. Plan G is now the most popular plan. The only out-of-pocket cost with this plan is the annual deductible for Medicare Part B.

Medicare Supplement Plan N

If you’re looking for a more affordable option, Plan N is a good choice. You will have to pay the Part B deductible just like Plan G, but you have low copayments when you visit a medical doctor. It can still save you money on your overall health care costs and it may provide the most value out of the top 3 plans. Whatever your needs, there’s a Medigap plan in Florida that’s right for you. With so many options available, you’re sure to find the perfect fit for your budget and your health care needs.

What Will a Medicare Plan Cost in Florida?

 
A Medigap plan is a supplemental insurance policy that helps cover some of the costs that Medicare does not. Monthly premiums for Medigap plans can vary widely, so it’s important to compare prices before you buy. How much will you pay for your Florida Medicare Supplement Insurance? It will depend on a variety of factors such as your age, gender, tobacco use, where you live and what company you choose.  
 
In general, you can expect to pay about $100-$200 per month for a Medigap plan.
 
It’s easy to save money with Medigap policies. Let’s find out how.
 

EXAMPLE

Let’s say you are interested in shopping for Medigap Plan G:

Plan premiums with ABC insurance company can be very different from XYZ insurance company. Remember, the benefits are the same even if the premiums are different.

We calculated sample quotes from multiple states to show you what the lowest and highest rates are for a 65 year old (non tobacco) male.

The average monthly premiums from “A” rated companies are:

  • Average Lowest Monthly Rate: $128
  • Average Highest Monthly Rate: $190

Your Potential Monthly Savings!

$ 0

Those savings are huge… That’s an annual savings of $744!

Again, these Plan G savings all come with the same insurance benefits.

Since the benefits are the same, the only difference from each company is PRICE!

How Medicare Supplement Insurance Plans Work

 
Let’s look at Medigap and compare it to an everyday purchase. 
 
Think of Medigap plans like buying gas. 
 
The quality of regular unleaded gasoline (Plan G) is the same at every gas station. 
However, gasoline may have different prices from multiple gas stations in your town. 
You probably buy the least expensive premium gas because it’s the same regardless of which station you buy it from.
 
This is how Medigap works. 
 
If you want to purchase a Plan A, shop your Plan A with all the companies in your Zip Code. 
If you are shopping for Plan B, shop all Plan B plans in your Zip Code.
 

Compare The Best Medigap Plans In Florida

 
It is important to know that even though the coverage for Florida Medicare Supplement plans are the same, the rates are not. You need to compare the plan letters from company to company. For example, compare Medicare Supplement Plan A from multiple companies.

Plan premium prices are different when comparing companies. 

The Medigap plans are standardized. This is a safety net put in place by CMS (Centers for Medicare and Medicaid Services) to protect you. Insurance companies, by law, can’t make any changes to standardized Medigap benefits.

CMS, however, does not regulate premiums. Insurance carriers adjust rates based on inflation, overhead, medical pay outs, marketing, etc.
 

Florida Medigap Plans Benefits

 
Plan benefits are the exact same no matter what company you choose. As we’ve stated before, you need to compare the same plan letter when shopping benefits. 

This applies to all Medigap plan letters.  

You do not get better benefits by selecting a big or small company.
 
Price comparison shopping is extremely important. 
You must make sure that you are not spending more than you have to for the exact same coverage.
 

What do medicare supplement plans cover?

Medicare supplement plans are designed to cover the gaps in Original Medicare coverage. Medicare pays around 80% of approved costs which leaves you paying the remaining 20%. This includes things like copayments, deductibles, and coinsurance. 

These supplemental plans can help pay for some of the costs that Medicare does not cover. There are different kinds of Medicare supplement plans, and each one covers different things.

Outline Of Coverage

medicare supplement plan comparison

* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 ($2,370 in 2021) before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)

** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.

*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.

What’s the best Medicare Supplement company in Florida?

There is no one-size-fits-all answer to this question, as the best Medicare Supplement company for Florida residents may vary depending on individual needs and preferences. However, some of the top-rated Medicare Supplement companies in Florida include Aetna, Cigna, and Humana. 

There are many more that may offer more value, so it’s best to look at your options. These companies all offer a variety of plans and coverage options, so it’s important to compare them side-by-side to find the best fit.

What about Medicare Advantage plans?

In recent years, Medicare Advantage plans have become increasingly popular. These plans are designed to offer seniors a way to save money on their healthcare costs. However, some experts are now questioning whether or not these plans are actually a good deal for seniors. While they can offer some benefits, there are also some drawbacks that seniors should be aware of before signing up for one of these plans.

The biggest issue with Medicare Advantage plans are that they are confusing and change every year. These plans are like HMO and PPO plans. They have networks and require prior-authorization to see specialists. You don’t run into these issues with Medigap plans.
 

REMEDIGAP Can Help Make Sense Of It All

 
Our service is free. We help Medicare beneficiaries who are new to Medicare or already using Medicare. If you’re new to all of this and need help understanding topics such as:
  • Medicare Part A and B
  • Medigap Open Enrollment
  • Part D plans
  • Medicare Advantage Plan vs Medigap

We can help!

If you have a Medigap plan, we can review your coverage and find lower rates to save you money on the same exact plan.
We are independent agents
That means we shop the market and offer you choices. We’re not bound to any insurance company.
We don’t work for the Medicare Supplement companies. 
We work for you. 
We’ll find you the absolute highest value with your Medicare Supplement coverage by shopping all of the insurance companies that offer coverage.
Be an informed buyer and comparison shop your Florida Medicare Supplement Insurance plans and rates.
Just click here to request a quote or call us at (888) 411-1329 for personal service.

 

FAQ

Most people first become eligible for Medicare at age 65. If you're already receiving benefits from Social Security or the Railroad Retirement Board, you'll automatically be enrolled in Medicare Part A (hospital insurance) and Part B (medical insurance). You'll get your red, white, and blue Medicare card in the mail about three months before your 65th birthday. If you're not receiving benefits from Social Security or the Railroad Retirement Board, you'll need to actively enroll in Medicare.

Yes. Most people have health insurance (Medigap) that covers their medical needs. However, there are some gaps in coverage that can leave people with large bills. One of these gaps is prescription drug coverage. Part D helps cover the cost of prescription drugs for seniors. However, this coverage is not automatic. People with Medicare must sign up for it and pay a monthly premium.
 
Enrolling in a Medicare Supplement plan is easy and can be done online, over the phone, or through an insurance agent. Make sure you work with an independent agent if you're looking to save money. They can shop multiple companies vs only 1 if you call the carrier direct. The first step is to have your Medicare card ready. You will need to provide some basic personal and contact information. Once you have provided this information, you will be able to choose a plan that best suits your needs. There are a variety of plans available, so it is important to compare the benefits of each before making a decision.
 

Florida Medigap Locations

Are you wondering if I can help you lower your Medicare Supplement costs? I can!  Below are the cities in Florida that I serve. Click here if you’re looking for other Medicare Supplement states.

Alachua Alford Altamonte Springs Altha Altoona Alva Andover Andrews Anna Maria Apalachicola Apollo Beach Apopka Arcadia Archer Asbury Lake Astatula Astor Atlantic Beach Atlantis Auburndale Aventura Avon Park Azalea Park Babson Park Bagdad Baldwin Bal Harbour village Bartow Bascom Bay Harbor Islands Bay Hill Bay Lake Bayonet Point Bay Pines Bayport Bayshore Gardens Beacon Square Bee Ridge Bell Bellair-Meadowbrook Terrace Belleair Belleair Beach Belleair Bluffs Belleair Shore Belle Glade Belle Glade Camp Belle Isle Belleview Bellview Beverly Beach Beverly Hills Big Coppitt Key Big Pine Key Biscayne Park village Bithlo Black Diamond Bloomingdale Blountstown Boca Del Mar Boca Pointe Boca Raton Bokeelia Bonifay Bonita Springs Bonnie Lock-Woodsetter North Boulevard Gardens Bowling Green Boyette Boynton Beach Bradenton Bradenton Beach Brandon Branford Brent Briny Breezes Bristol Broadview Park Broadview-Pompano Park Bronson Brooker Brookridge Brooksville Broward Estates Brownsville Buckhead Ridge Buckingham Bunche Park Bunnell Burnt Store Marina Bushnell Butler Beach Callahan Callaway Campbell Campbellton Canal Point Cape Canaveral Cape Coral Captiva Carol City Carrabelle Carver Ranches Caryville Casselberry Cedar Grove Cedar Key Celebration Center Hill Century Century Village Chambers Estates Charleston Park Charlotte Harbor Charlotte Park Chattahoochee Cheval Chiefland Chipley Chokoloskee Christmas Chula Vista Chuluota Cinco Bayou Citrus Hills Citrus Park Citrus Ridge Citrus Springs Clearwater Clermont Cleveland Clewiston Cloud Lake Cocoa Cocoa Beach Cocoa West Coconut Creek Coleman Collier Manor-Cresthaven Combee Settlement Conway Cooper City Coral Gables Coral Springs Coral Terrace Cortez Cottondale Country Club Country Estates Country Walk Crescent Beach Crescent City Crestview Crooked Lake Park Cross City Crystal Lake CDP (Broward County) Crystal Lake CDP (Polk County) Crystal River Crystal Springs Cudjoe Key Cutler Cutler Ridge Cypress Gardens Cypress Lake Cypress Lakes Cypress Quarters Dade City Dade City North Dania Beach Davenport Davie Daytona Beach Daytona Beach Shores De Bary Deerfield Beach De Funiak Springs De Land De Land Southwest De Leon Springs Delray Beach Deltona Desoto Lakes Destin Doctor Phillips Doral Dover Duck Key Dundee Dunedin Dunes Road Dunnellon Eagle Lake East Bronson East Dunbar East Lake East Lake-Orient Park East Palatka East Perrine Eastpoint East Williston Eatonville Ebro Edgewater Edgewater Edgewood Eglin AFB Egypt Lake-Leto Elfers Ellenton El Portal village Englewood Ensley Estates of Fort Lauderdale Estero Esto Eustis Everglades Fairview Shores Fanning Springs Feather Sound Fellsmere Fernandina Beach Ferndale Fern Park Ferry Pass Fisher Island Fish Hawk Five Points Flagler Beach Floral City Florida City Florida Ridge Forest City Fort Lauderdale Fort Meade Fort Myers Fort Myers Beach Fort Myers Shores Fort Pierce Fort Pierce North Fort Pierce South Fort Walton Beach Fort White Fountainbleau Franklin Park Freeport Fremd Village-Padgett Island Frostproof Fruit Cove Fruitland Park Fruitville Fussels Corner Gainesville Gandy Gateway Geneva Gibsonia Gibsonton Gifford Gladeview Glencoe Glen Ridge Glen St. Mary Glenvar Heights Godfrey Road Golden Beach Golden Gate Golden Glades Golden Heights Golden Lakes Goldenrod Golf village Gonzalez Goodland Gotha Goulding Goulds Graceville Grand Ridge Greater Carrollwood Greater Northdale Greater Sun Center Greenacres Green Cove Springs Green Meadow Greensboro Greenville Greenwood Gretna Grove City Groveland Gulf Breeze Gulf Gate Estates Gulfport Gulf Stream Gun Club Estates Haines City Hallandale Hampton Hamptons at Boca Raton Harbor Bluffs Harbour Heights Harlem Harlem Heights Hastings Havana Haverhill Hawthorne Heathrow Hernando Hernando Beach Hialeah Hialeah Gardens Highland Beach Highland City Highland Park village High Point CDP (Hernando County) High Point CDP (Palm Beach County) High Springs Hiland Park Hillcrest Heights Hilliard Hill ‘n Dale Hillsboro Beach Hillsboro Pines Hillsboro Ranches Hobe Sound Holden Heights Holiday Holly Hill Hollywood Holmes Beach Homestead Homestead Base Homosassa Homosassa Springs Horseshoe Beach Howey-in-the-Hills Hudson Hunters Creek Hutchinson Island South Hypoluxo Immokalee Indialantic Indian Creek village Indian Harbour Beach Indian River Estates Indian River Shores Indian Rocks Beach Indian Shores Indiantown Inglis Interlachen Inverness Inverness Highlands North Inverness Highlands South Inwood Iona Islamorada Islandia Istachatta Ivanhoe Estates Ives Estates Jacksonville Jacksonville Beach Jacob City Jan Phyl Village Jasmine Estates Jasper Jay Jennings Jensen Beach June Park Juno Beach Juno Ridge Jupiter Jupiter Inlet Colony Jupiter Island Kathleen Kendale Lakes Kendall Kendall Green Kendall West Kenneth City Kensington Park Key Biscayne village Key Colony Beach Key Largo Keystone Keystone Heights Key West Kings Point Kissimmee Labelle Lacoochee La Crosse Lady Lake Laguna Beach Lake Alfred Lake Belvedere Estates Lake Buena Vista Lake Butler Lake Butter Lake City Lake Clarke Shores Lake Forest Lake Hamilton Lake Harbor Lake Hart Lake Helen Lake Kathryn Lakeland Lakeland Highlands Lake Lindsey Lake Lorraine Lake Lucerne Lake Mack-Forest Hills Lake Magdalene Lake Mary Lake Panasoffkee Lake Park Lake Placid Lake Sarasota Lakes by the Bay Lakeside Lakeside Green Lake Wales Lakewood Park Lake Worth Lake Worth Corridor Land O’ Lakes Lantana Largo Lauderdale-by-the-Sea Lauderdale Lakes Lauderhill Laurel Laurel Hill Lawtey Layton Lazy Lake village Lecanto Lee Leesburg Lehigh Acres Leisure City Leisureville Lely Lely Resort Lighthouse Point Limestone Creek Lisbon Live Oak Loch Lomond Lochmoor Waterway Estates Lockhart Longboat Key Longwood Loughman Lower Grand Lagoon Lutz Lynn Haven Macclenny McGregor McIntosh Madeira Beach Madison Maitland Malabar Malone Manalapan Manasota Key Manattee Road Mango Mangonia Park Marathon Marco Island Margate Marianna Marineland Mary Esther Masaryktown Mascotte Matlacha Matlacha Isles-Matlacha Shores Mayo Meadow Woods Medley Medulla Melbourne Melbourne Beach Melbourne Village Melrose Park Memphis Merritt Island Mexico Beach Miami Miami Beach Miami Gardens Miami Lakes Miami Shores village Miami Springs Micanopy Micco Middleburg Midway Midway Milton Mims Minneola Miramar Miramar Beach Mission Bay Molino Monticello Montverde Moore Haven Mount Dora Mount Plymouth Mulberry Myrtle Grove Naples Naples Manor Naples Park Naranja Nassau Village-Ratliff Neptune Beach Newberry New Port Richey New Port Richey East New Smyrna Beach Niceville Nobleton Nokomis Noma Norland North Andrews Gardens North Bay Village North Beach North Brooksville North De Land North Fort Myers North Key Largo North Lauderdale North Miami North Miami Beach North Palm Beach village North Port North Redington Beach North River Shores North Sarasota North Weeki Wachee Oak Hill Oakland Oakland Park Oak Point Oak Ridge Ocala Ocean Breeze Park Ocean City Ocean Ridge Ocoee Odessa Ojus Okahumpka Okeechobee Oldsmar Olga Olympia Heights Opa-locka Opa-locka North Orange City Orange Park Orangetree Orchid Orlando Orlovista Ormond Beach Ormond-By-The-Sea Osprey Otter Creek Oviedo Pace Page Park Pahokee Paisley Palatka Palm Aire Palm Bay Palm Beach Palm Beach Gardens Palm Beach Shores Palm City Palm Coast Palmetto Palmetto Estates Palm Harbor Palmona Park Palm River-Clair Mel Palm Shores Palm Springs village Palm Springs North Palm Valley Panama City Panama City Beach Paradise Heights Parker Parkland Paxton Pebble Creek Pelican Bay Pembroke Park Pembroke Pines Penney Farms Pensacola Perry Pierson Pine Castle Pinecrest village Pine Hills Pine Island Pine Island Center Pine Island Ridge Pine Lakes Pineland Pinellas Park Pine Manor Pine Ridge CDP (Citrus County) Pine Ridge CDP (Collier County) Pinewood Pittman Placid Lakes Plantation Plantation Plantation Island Plantation Mobile Home Park Plant City Poinciana Polk City Pomona Park Pompano Beach Pompano Beach Highlands Pompano Estates Ponce de Leon Ponce Inlet Port Charlotte Port La Belle Port Orange Port Richey Port St. Joe Port St. John Port St. Lucie Port St. Lucie-River Park Port Salerno Pretty Bayou Princeton Progress Village Punta Gorda Punta Rassa Quincy Raiford Ramblewood East Ravenswood Estates Reddick Redington Beach Redington Shores Richmond Heights Richmond West Ridgecrest Ridge Manor Ridge Wood Heights Rio Riverland Village Riverview Riviera Beach Rock Island Rockledge Rolling Oaks Roosevelt Gardens Roseland Rotonda Royal Palm Beach village Royal Palm Estates Royal Palm Ranches Ruskin Safety Harbor St. Augustine St. Augustine Beach St. Augustine Shores St. Augustine South St. Cloud St. George St. James City St. Leo St. Lucie village St. Marks St. Pete Beach St. Petersburg Samoset Samsula-Spruce Creek San Antonio San Carlos Park Sandalfoot Cove Sanford Sanibel Sarasota Sarasota Springs Satellite Beach Sawgrass Schall Circle Scott Lake Sea Ranch Lakes village Sebastian Sebring Seffner Seminole Seminole Manor Sewall’s Point Shady Hills Shalimar Sharpes Siesta Key Silver Lake Silver Springs Shores Sky Lake Sneads Solana Sopchoppy Sorrento South Apopka South Bay South Beach South Bradenton South Brooksville Southchase South Daytona Southeast Arcadia Southgate South Gate Ridge South Highpoint South Miami South Miami Heights South Palm Beach South Pasadena South Patrick Shores South Sarasota South Venice Springfield Spring Hill Spring Lake Stacey Street Starke Stock Island Stuart Sugarmill Woods Suncoast Estates Sunny Isles Beach Sunrise Sunset Sunshine Acres Sunshine Ranches Surfside Sweetwater Sylvan Shores Taft Tallahassee Tamarac Tamiami Tampa Tangelo Park Tangerine Tarpon Springs Tavares Tavernier Taylor Creek Tedder Temple Terrace Tequesta village Terra Mar The Crossings The Hammocks The Meadows The Villages Thonotosassa Three Lakes Three Oaks Tice Tierra Verde Tildenville Timber Pines Titusville Town ‘n’ Country Treasure Island Trenton Trinity Twin Lakes Tyndall AFB Umatilla Union Park University University Park Upper Grand Lagoon Utopia Valparaiso Valrico Vamo Venice Venice Gardens Vernon Vero Beach Vero Beach South Village Park Villages of Oriole Villano Beach Villas Vineyards Virginia Gardens village Wabasso Wabasso Beach Wahneta Waldo Warm Mineral Springs Warrington Washington Park Watertown Wauchula Wausau Waverly Webster Wedgefield Weeki Wachee Weeki Wachee Gardens Wekiwa Springs Welaka Wellington village Wesley Chapel Wesley Chapel South West and East Lealman West Bradenton Westchase Westchester West De Land Westgate-Belvedere Homes West Ken-Lark West Little River West Melbourne West Miami Weston West Palm Beach West Pensacola West Perrine West Samoset West Vero Corridor Westview Westville Westwood Lakes Wewahitchka Whiskey Creek Whisper Walk White City White Springs Whitfield Wildwood Williamsburg Williston Williston Highlands Willow Oak Wilton Manors Wimauma Windermere Winston Winter Beach Winter Garden Winter Haven Winter Park Winter Springs Woodville Worthington Springs Wright Yalaha Yankeetown Yeehaw Junction Yulee Zellwood Zephyrhills Zephyrhills North Zephyrhills South Zephyrhills West Zolfo Springs

Find affordable Medicare Supplement Insurance plans in your area

Questions?

We know that Medicare can be confusing.  We also know that everyone's situation is different. That's why we're here to help. Schedule your free consultation now!

Don't Overpay For A Medigap Plan!
Compare rates to find how much you may save!

Don’t forget your FREE Guide to Medicare delivered straight to your email inbox!

Join our FREE 7-Day Medicare eCourse

Get our FREE Guide to 2022 Medicare Coverage delivered straight to your inbox.

ecourse signup