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Florida Blue

Florida Blue Medicare Supplement Plans, Florida

by David Bynon, last updated October 5, 2023

On this page we help consumers learn more about Medicare Supplements sold by Florida Blue in the state of Florida. Call 1-855-728-0510 (TTY 711) for plan assistance.
Florida Blue Medigap Plans in Florida

This page contains editorial content that is not endorsed or approved by Florida Blue[2]. This is not a solicitation of insurance.


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Contact the Plan
MedicareWire Rating:
☆☆☆☆☆
A.M. Best Rating:A+
A.M. Best Outlook:Stable
S&P Rating:A+
Established:1966
NAIC Number:98167
Policy Fee:None

What Medicare Supplements does Florida Blue Offer in Florida?

Florida Blue offers 14 of the standardized Medigap policies in Florida. Each Medigap plan offers a different range of coverage (see comparison chart or check out our review). Here's a quick look at Florida Blue's offering:

Plans Offered by Florida Blue

Plan TypePremium[3]Rating TypeEffective
Medigap Plan A$131.40Issue AgeGet a Quote
Medigap Plan B$156.20Issue AgeGet a Quote
Medigap Plan C$179.90Issue AgeGet a Quote
Medigap Plan D$166.90Issue AgeGet a Quote
Medigap Plan F$182.70Issue AgeGet a Quote
Medigap Plan G$168.70Issue AgeGet a Quote
Medigap Plan K$91.70Issue AgeGet a Quote
Medigap Plan L$130.60Issue AgeGet a Quote
Medigap Plan M$157.10Issue AgeGet a Quote
Medigap Plan N$154.00Issue AgeGet a Quote
Medicare Select B$141.10Issue AgeGet a Quote
Medicare Select C$168.90Issue AgeGet a Quote
Medicare Select D$151.90Issue AgeGet a Quote
Medicare Select M$151.00Issue AgeGet a Quote

Issue-Age Rated Medigap Plans: With an Issue Age rated plan your monthly premium is based on your age you're first issued coverage. For instance, if your get your policy at age 65 and your premium is $125, it may remain the same rate until age 72. However, you're age 72 when you enroll, your premium might start at $170, but would not increase based on by your age. Premiums will increase with inflation.

Call 1-855-728-0510 (TTY 711) for plan assistance.

If you qualify for Medicare and don't know where to start, MedicareEnrollment.com, an independent HealthCompare insurance broker, has licensed agents who can help you with your Medicare enrollment options.

SAVINGS OPPORTUNITY: Florida Blue offers Medicare SELECT plan policies in some areas of Florida. A Select plan is a Medigap policy that requires you to use specific hospitals and, in some cases specific doctors, to get the full financial benefit of the plan. A Medicare SELECT plan pays the Medicare Part A inpatient deductible when you use a network hospital or if you use a non-network hospital for emergency care. Otherwise, you pay the inpatient deductible. Other than that it's the same as the standard Medigap plan.

The table below outlines the coverage of each Florida Blue Medicare Supplement:

Medigap Plan Benefits

BenefitsABCDFGKLMN
Part A DeductibleNoYesYesYesYesYes50%75%50%Yes
Part A CoinsuranceYesYesYesYesYesYesYesYesYesYes
SNF CoinsuranceNoNoYesYesYesYes50%75%YesYes
Part B DeductibleNoNoYesNoYesNoNoNoNoNo
Part B CoinsuranceYesYesYesYesYesYes50%75%YesYes
Excess ChargesNoNoNoNoYesYesNoNoNoNo
Foriegn TravelNoNo80%80%80%80%NoNo80%80%
Out-of-Pocket LimitsNoNoNoNoNoNo$5,880$2,940NoNo

REVIEW: Florida Blue Medicare Supplements in Florida

Florida Blue scored 5.0 out of 5.0 based on our scoring method. With a top 10 Plan F premium, more than 10 years in the Medicare Supplements business, and a strong financial rating from A.M. Best, we have confidence in Florida Blue. Plus, they do not charge a policy fee. These are just a few reasons we recommend this carrier to seniors in Florida. See the top 10 competition.

Here are the pros and cons from our analysis:

Pros

  • Highly competitive Plan F premium.
  • Superior financial strength.
  • Over 25 years in the Medicare Supplements business.
  • Offers Medicare SELECT plans.
  • Offers the 5 most popular plans.
  • No charge for writing the policy.

Cons

  • None.

About This Review

We reviewed Florida Blue's Medicare supplement plan offering in Florida versus all other insurance carriers in the state. Our review is unbiased. We use a formula that looks at years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. We do not take into account rate increase history. Our goal is to present information accurately and without bias, based on our interpretation of factual information about each carrier.

Florida Blue Medicare Supplement Plan F Compared to Top Ten

Medicare Supplement F is the most popular plan sold in Florida. The following table shows how Florida Blue stacks up with the competition.

Compare Plan F Base Rates

CarrierPremium[3]FeeReview[4]
Florida Blue$182.70None
☆☆☆☆☆
United American$179.00None
☆☆☆☆☆
AARP$182.07None
☆☆☆☆☆
Gerber Life$182.09$25.00
☆☆☆☆☆
Humana$183.69None
☆☆☆☆☆
Colonial Penn$184.42None
☆☆☆☆☆
United of Omaha$184.71None
☆☆☆☆☆
American Continental$185.84$20.00
☆☆☆☆☆
Renaissance Life$186.79$25.00
☆☆☆☆☆
Central States$190.42$25.00
☆☆☆☆☆
Americo Life$190.91None
☆☆☆☆☆

Contact Florida Blue Medigap Sales

For more information about this Medicare Supplement carrier, and other plans on this site, call 1-855-728-0510 (TTY 711). You may also start your Medicare Supplement enrollment online. You can contact the plan directly at:

Sales:855-601-9465
Website:https://medicare.websales.floridablue.com/
Address:P.O. Box 1798, Jacksonville, FL 32231

For assistance 24 hours a day, call 800-633-4227. TTY users should call 877-486-2048 or visit www.medicare.gov. If you qualify for Medicare but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website.

Eligibility

Florida Blue supplemental Medicare insurance policies are available to all Medicare beneficiaries in Florida at age 65. You must be enrolled in both Medicare Parts A and B.

If you are just turning age 65, you have guaranteed issue rights and cannot be turned down by Florida Blue. Plus, your policy cannot be canceled and it will continue to be renewed as long as you pay the premiums on time and make no material misrepresentations.

Before choosing a Medicare Supplement carrier, be sure to get the Florida Blue Medigap rate increase history in Florida. The lowest rate now may not be the lowest rate in the future.

Availability

Florida Blue services Medicare supplement insurance in Miami, Fort Lauderdale, West Palm Beach, Tampa, Saint Petersburg, Clearwater, Orlando, Kissimmee, Sanford, Jacksonville, North Port, Sarasota, Bradenton, Cape Coral, Fort Myers, Lakeland, Winter Haven, Deltona, Daytona Beach, Ormond Beach, Palm Bay, Melbourne, Titusville, and most other Florida cities.

Related Medicare Supplement Insurance Topics

  • Do I really Need Supplemental Insurance with Medicare??
  • Is Medicare Plan G Better Than Plan F?
  • What is the Average Cost of Supplemental Insurance for Seniors?

On this page our goal is to help consumers: Compare Florida Blue Medigap plans in Florida with the best Medicare supplements available. Read our review. Get a free quote. Did we succeed?

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[1]Affiliate and Sales Agent Disclosure

Many of the plans featured on MedicareWire are offered through our trusted partner, HealthCompare Insurance Services, Inc., a licensed sales agency. HealthCompare may compensate us if you enroll in a plan through their services. Online enrollment services are provided by MedicareEnrollment.com, a HealthCompare affiliate.

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[3]About the Author

David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has provided unbiased, data-driven Medicare plan research to assist seniors in making informed decisions.

Previously, David served as Vice President of Global Systems at Sony Pictures Entertainment and Director of Systems and Networks at HealthNet, focusing on secure HMO and Medicare infrastructures. His military career includes serving as Command Chief at TACRON-11, earning multiple Navy Commendation Medals and other commendations.

Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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