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Medigap Plans
 » 
Florida

Medicare Supplement Plans in Florida

On this page we help consumers: Quickly compare Medicare Supplement Plans in Florida. See your savings on FL Medigap plan F, G and plan N premiums.
If you need assistance, call 1-855-266-4865 to speak with a licensed insurance agent or Get a Free Medicare Supplement Rate Comparison through our private email service (learn more).

Florida Medigap Plans by Carrier

Insurance CarrierPlan FPlan GPlan NRating
Aetna$198.16$186.33$173.66
☆☆☆☆☆
American Continental$185.84$171.51$141.69
☆☆☆☆☆
American Retirement Life$191.43$172.29$137.83
☆☆☆☆☆
Americo Life$190.91$171.82$148.91
☆☆☆☆☆
Florida Blue$182.70$168.70$154.00
☆☆☆☆☆
Central States$190.42$174.33$158.17
☆☆☆☆☆
Colonial Penn$184.42$169.86$141.13
☆☆☆☆☆
Everence$250.77$202.96N/A
☆☆☆☆☆
Gerber Life$182.09$167.46N/A
☆☆☆☆☆
Globe Life$192.50N/A$152.00
☆☆☆☆☆
Humana$183.69$158.18$126.37
☆☆☆☆☆
Renaissance Life$186.79$170.34$144.96
☆☆☆☆☆
State Farm$249.73N/AN/A
☆☆☆☆☆
United American$179.00$169.00$144.00
☆☆☆☆☆
United of Omaha$184.71$168.35$148.54
☆☆☆☆☆
AARP$182.07$168.39$131.06
☆☆☆☆☆
USAA Life$203.49N/A$153.85
☆☆☆☆☆

More Plan Options

The average Florida senior compares three or more plan options before making an enrollment decision.

Florida Medigap Plans: What's the Difference?

Most seniors agree: Original Medicare, combined with one of the top 3 Florida Medigap plans, offers the very best health care coverage seniors can get. But, which Medicare supplement is right for you?

The answer to that question is complex. What's best for you is very different than what's best for your spouse or your neighbor. It all comes down to your finances (what you can afford) and your health (how much risk you can take). At MedicareWire, we believe most seniors can narrow their search to three plans: F, G, and N. Read on and we'll explain why.

Related: Is Supplemental Medicare Insurance a Waste of Money?

Top 10 Medicare Supplement Plans in Florida

Looking for the best Plan F, G, or N available to Florida seniors?

  1. 10 Best Medicare Supplement Plan F
  2. 10 Best Medicare Supplement Plan G
  3. 10 Best Medicare Supplement Plan N

Looking for a different plan? Compare all Medicare supplement plans here. You can also write a Medicare supplement review and let others know about a good or bad experience with a particular carrier. You can also find a Medicare Advantage plan available in your area and compare their rates and benefits.

Florida Medicare Supplement Plan F Comparison Chart

Medicare Supplement Plan F is the most popular Medigap plan available in Florida. Here are the 10 best Plan F policies available in Florida based on our reviews (click for details):

Top 10 Medigap Plan F in Florida

CarrierPremium[3]FeeReview[4]
Florida Blue$182.70None☆☆☆☆☆
United American$179.00None☆☆☆☆☆
AARP$182.07None☆☆☆☆☆
Humana$183.69None☆☆☆☆☆
Colonial Penn$184.42None☆☆☆☆☆
United of Omaha$184.71None☆☆☆☆☆
Globe Life$192.50None☆☆☆☆☆
USAA Life$203.49None☆☆☆☆☆
Gerber Life$182.09$25.00☆☆☆☆☆
American Continental$185.84$20.00☆☆☆☆☆
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Florida Medicare Supplement Plan G Comparison Chart

Medicare Supplement Plan G is rapidly gaining popularity among Florida seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in Florida based on our reviews (click for details):

Top 10 Medigap Plan G in Florida

CarrierPremium[3]FeeReview[4]
Florida Blue$168.70None☆☆☆☆☆
AARP$168.39None☆☆☆☆☆
United American$169.00None☆☆☆☆☆
Humana$158.18None☆☆☆☆☆
United of Omaha$168.35None☆☆☆☆☆
Colonial Penn$169.86None☆☆☆☆☆
Gerber Life$167.46$25.00☆☆☆☆☆
Renaissance Life$170.34$25.00☆☆☆☆☆
American Continental$171.51$20.00☆☆☆☆☆
Americo Life$171.82None☆☆☆☆☆
NOTE: Medigap Plan G is identical to Plan F, with one exception. A Plan G policy does not pay your Medicare Part B annual deductible. In many cases the annual cost of Plan G makes it a better deal.
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Florida Medicare Supplement Plan N Comparison Chart

Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many Florida seniors. Here are the 10 best Medigap Plan N policies available in Florida based on our reviews (click for details):

Top 10 Medigap Plan N in Florida

CarrierPremium[3]FeeReview[4]
Florida Blue$154.00None☆☆☆☆☆
AARP$131.06None☆☆☆☆☆
United American$144.00None☆☆☆☆☆
Humana$126.37None☆☆☆☆☆
Colonial Penn$141.13None☆☆☆☆☆
United of Omaha$148.54None☆☆☆☆☆
Globe Life$152.00None☆☆☆☆☆
USAA Life$153.85None☆☆☆☆☆
American Continental$141.69$20.00☆☆☆☆☆
Renaissance Life$144.96$25.00☆☆☆☆☆
NOTE: With Medigap Plan N, 100% of your Part B coinsurance is covered, except up to a $20 copayment for office visits and up to $50 for emergency room visits.
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Best Florida Medicare Supplement Plans Reviews

We review all major Medicare Supplement insurance carriers servicing Medigap policies in Florida. Our reviews are unbiased. We use a balanced formula that looks at years in business, A.M. Best financial strength rating, plans serviced, plan premiums, and fees. Our current formula does not take rate increase history into account.

Our review of Medicare Supplement Plans in Florida is based on a statewide analysis, not nationwide. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance.

How Much do Supplemental Medicare Plans Cost in Florida?

To get an accurate rate on Medicare Supplement plans, Florida agents will ask for your address, age, sex, and use of tobacco products. The rates we list are samples based on a 65-year-old, non-smoking woman, and include applicable household discounts. Use our rates for comparison purposes only. Call 1-855-266-4865 to get quote.

Medicare Supplement Plans in Florida are Standardized

The Florida Department of Insurance and the federal government have worked together to standardize Medicare supplemental insurance policies. Insurance companies must clearly identify plans as Medicare Supplement Insurance and each Medigap policy must use a standardized letter code, A through N. Each lettered plan offers the same benefits, regardless of the carrier offering it. Only the rates are different. That means that a Plan F from AARP (UnitedHealthcare) has exactly the same health coverage as a Plan F from Blue Cross. The lettered plans make supplemental insurance easy to compare and understand vs. the HMO or PPO plans you can get through Medicare Advantage.

NOTE: Medigap, Medicare Supplements, and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps (i.e., copay, coinsurance, and other major medical expenses) in Original Medicare coverage.

All Florida Medicare supplement policies offer the same basic benefits, however, some offer additional gap coverage. This lets you get the additional insurance you need to cover the gaps in your Medicare Parts A and B benefits.

Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medicare supplemental insurance:

  • 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 the Florida Department of Insurance website at http://www.myfloridacfo.com/.

Florida Med Supp Plan Comparison Chart

The following table shows, at-a-glance, the coverage you get with each of the standardized Medicare plans.

Medigap BenefitsABCDF*GKLMN
Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used upYesYesYesYesYesYesYesYesYesYes
Medicare Part B Coinsurance or CopaymentYesYesYesYesYesYes50%75%YesYes**
Blood (First 3 Pints)YesYesYesYesYesYes50%75%YesYes
Part A Hospice Care Coinsurance or CopaymentYesYesYesYesYesYes50%75%YesYes
Skilled Nursing Facility Care CoinsuranceNoNoYesYesYesYes50%75%YesYes
Medicare Part A DeductibleNoYesYesYesYesYes50%75%50%Yes
Medicare Part B DeductibleNoNoYesNoYesNoNoNoNoNo
Medicare Part B Excess ChargesNoNoNoNoYesYesNoNoNoNo
Foreign Travel Emergency (Up to Plan Limits)NoNoYesYesYesYesNoNoYesYes
Out-of-Pocket Limit***NoneNoneNoneNoneNoneNone$5,240$2,620NoneNone

* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.

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

*** 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.

Getting Prescription Drug Coverage (Part D) with a Florida Medigap Plan

To get your prescriptions covered with your Medigap policy, you need to buy a Medicare Part D plan. Basic plans start at less than $20 per month in most places.

If you are getting your Medicare benefits for the first time, you can enroll in a prescription drug plan as soon as you have both Part A and Part B. However, after your initial enrollment, you will need to wait until the Annual Election Period (AEP), also called the open enrollment period, to switch to a new plan. AEP is every Fall, starting 15 October and ending on 7 December.

WARNING: If you do not enroll in a Medicare Part D plan when you are first eligible, Medicare will penalize you with additional fees if you want to join a plan later on. So, even if you do not take regular medications, it pays to join a basic plan.

Looking for More Information About Medigap Insurance in Florida?

If you're looking for more ways to lower your health care costs by reducing your out-of-pocket costs, these articles may help:

  • What are the Different Medicare Supplement Plans?
  • What is the Best Medicare Supplement Plan for 2021
  • Can you get a Medicare Supplement if you are on disability?
  • When can I change my Medicare supplemental insurance plan?
  • Are there any free Medicare Supplement plans?
  • How to Pick the Best Medicare Supplement Plan

Top Questions About Medicare Supplement Plans in Florida

We get a lot of great questions regarding Medigap plans in Florida. Here are the most common questions we answer.

How much are Medicare Supplements per month in Florida?

It all depends. Your age, gender, zip code, use of tobacco, and the exact plan you choose all need to be factored in. You can take advantage of our free quote service to find the lowest prices in your area.

What insurance companies offer Medigap policies in Florida?

You have many options in Florida. Here are some of the best:

  1. Florida Blue
  2. AARP
  3. United American
  4. Humana
  5. United of Omaha
See the complete list here.

When can I enroll in a Medicare Supplement in Florida?

Unlike Medicare Advantage, there isn't an annual open enrollment period for Medicare Supplement plans. But, in many areas, you only have one chance to apply for a Florida Medigap plan without having to answer any health questions. You can learn more here.

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
  • http://www.floridashine.org/

Additional Foot Notes

[3] The sample premium is for a 65-year-old, non-smoking, woman living in Florida. The rate was accurate on the date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.

[4] Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.

The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on February 26, 2021.

Related Topics

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Who is MedicareWire?
David Bynon
Chief Petty Officer David Bynon re-enlisting 15 September 2001.

Hello, my name is David Bynon.

I founded MedicareWire in 2011 after retiring from the Navy. I’ve made helping people like you my full-time retirement profession.

My goal is to help you see all the rates offered by insurance companies that sell Medigap policies in your area.

I am not an insurance agent.

My job is to make sure that you have the information you need to be comfortable with your plan decision. When it comes to choosing a Medigap plan, I want you to be able to see all rates and carriers before speaking with an agent.

To provide you with this free service, I need to ask you to provide your age, gender, zip code, and email address. I promise to keep your information secure. You can count on me not to share, sell, or otherwise divulge your information to anyone.

Yours in Better Medicare.

David Bynon

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