Florida Medigap Plans are Standardized
Every Medigap plan sold in Florida is required to follow both federal and state laws designed to protect you. All plans must be clearly identified as Medicare Supplement Insurance. Insurance companies must offer the standardized policies identified by letters A through N.
All Florida Medigap policies offer the same basic benefits, however, some offer additional gap coverage. This allows you to choose the amount of insurance you need.
Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medigap policies:
- Don't have to offer every Medigap plan
- Must offer Medigap Plan A if they offer any Medigap policy
- Must also offer Plan C or Plan F if they offer any plan
For more information, visit your state's Department of Insurance website at http://www.myfloridacfo.com/.
Medigap Does Not Cover Prescriptions
Medigap does not cover your prescriptions. By law, Medicare Supplement insurance must be in lock-step with Original Medicare. So, if Medicare does not cover it, a supplement policy can't cover it.
Here's the complete list of Medicare Prescription Drug Plans available in Florida.
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The Florida SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
- 1-800-96 ELDER (1-800-963-5337); TTY: 1-800-955-8770