Medicare Supplements Plans Florida
On this page we help consumers: Compare 2020 Medicare Supplement plans in FL. See Medigap premiums and reviews, including Plan F, G, and N. View a complete Medicare Supplement Plans Comparison Chart with all plans, carriers, and rates.
Which Florida Medicare Supplement is Best for Me?
Three out of four Florida seniors agree: Original Medicare and a Medicare Supplement give them the best health insurance coverage available. It all comes down to choice and control. But, which Medigap plan is best for you?
We're all different, and so are our health needs and budget. What's best for you is very different than what's best for your neighbors, or even your spouse. It all comes down to what you can afford and your health. That said, you can narrow your search to what's most popular, plans: F, G and N. Read on to learn why.
| Insurance Carrier | Plan F | Plan G | Plan N | Rating | |
|---|---|---|---|---|---|
| Aetna | $198.16 | $186.33 | $173.66 |  |
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| American Continental | $185.84 | $171.51 | $141.69 | |
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| American Retirement Life | $191.43 | $172.29 | $137.83 |  |
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| Americo Life | $190.91 | $171.82 | $148.91 | |
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| Florida Blue | $182.70 | $168.70 | $154.00 |  |
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| Central States | $190.42 | $174.33 | $158.17 | |
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| Colonial Penn | $184.42 | $169.86 | $141.13 |  |
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| Everence | $250.77 | $202.96 | N/A | |
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| Gerber Life | $182.09 | $167.46 | N/A | |
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| Globe Life | $192.50 | N/A | $152.00 | |
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| Humana | $183.69 | $158.18 | $126.37 | |
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| Renaissance Life | $186.79 | $170.34 | $144.96 | |
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| State Farm | $249.73 | N/A | N/A | |
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| United American | $179.00 | $169.00 | $144.00 |  |
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| United of Omaha | $184.71 | $168.35 | $148.54 | |
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| AARP | $182.07 | $168.39 | $131.06 | |
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| USAA Life | $203.49 | N/A | $153.85 | |
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Compare Plan RatesThe average Florida senior compares three or more quotes before making an enrollment decision. |
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Top 10 Medicare Supplement Plans in Florida
Looking for the best Plan F, G or N available to Florida seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
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):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Florida Blue | $182.70 | None | |
| United American | $179.00 | None | |
| AARP | $182.07 | None | |
| Humana | $183.69 | None | |
| Colonial Penn | $184.42 | None | |
| United of Omaha | $184.71 | None | |
| Globe Life | $192.50 | None | |
| USAA Life | $203.49 | None | |
| Gerber Life | $182.09 | $25.00 | |
| American Continental | $185.84 | $20.00 | |
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):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Florida Blue | $168.70 | None | |
| AARP | $168.39 | None | |
| United American | $169.00 | None | |
| Humana | $158.18 | None | |
| United of Omaha | $168.35 | None | |
| Colonial Penn | $169.86 | None | |
| Gerber Life | $167.46 | $25.00 | |
| Renaissance Life | $170.34 | $25.00 | |
| American Continental | $171.51 | $20.00 | |
| Americo Life | $171.82 | None | |
| 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. | |||
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):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Florida Blue | $154.00 | None | |
| AARP | $131.06 | None | |
| United American | $144.00 | None | |
| Humana | $126.37 | None | |
| Colonial Penn | $141.13 | None | |
| United of Omaha | $148.54 | None | |
| Globe Life | $152.00 | None | |
| USAA Life | $153.85 | None | |
| 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. | |||
Medigap Plan 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 are 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.
Med Supp Rates (Premiums)
We list monthly premiums for all Medigap plans offered by Medicare Supplement carriers in Florida. Rates are samples based on a 65 year old, non-smoking woman and include applicable household discounts. Use our rates for comparison purposes only. Your actual rate will be based on where you live, your age, sex and use of tobacco products.
Medigap Plans are Standardized Medicare Supplements
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 Medicare Plan 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.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fill the gaps in Original Medicare coverage.
All Florida Medicare supplement 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 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/.
Is Medicare Supplement Plan F the Best Medicare Plan in Florida?
Even though Medicare Plan F is the most expensive, it is the most popular. More than half of all Florida seniors with Medigap coverage choose Plan F. The overwhelming reason is that it offers peace-of-mind with complete inpatient and outpatient gap coverage.
IMPORTANT: If you need the financial protection of Plan F, you must buy a policy prior to January 2020. Congress voted to do away with Medicare Supplement Plan F. Insurance carriers are no longer able to sell these polices after December 31, 2019.
RELATED: Medicare Plan F: What Does this Medicare Supplement Offer?
Is AARP's Medicare Supplement the Best Medigap Plan?
AARP sell more Medicare Supplements in Florida than any other carrier. AARP Medicare Supplement plans, by United Healthcare (UHC), provide the same coverage as the standardized Medigap plans from other carriers. The most significant difference is the cost and financial stability of the carrier.
Our research shows that AARP Medigap Plans are usually more expensive than competing plans. That said, in many areas UHC has hospitals under contract, allowing them to offer Medicare SELECT plans at favorable rates. This allows them to be more competitive on monthly premiums, but you must agree to use one of their contracted hospitals.
The three most popular AARP supplements are Plan F, Plan G and Plan N. You can see the difference between these plans on the comparison chart below.
Medigap Plan Comparison Chart
The following Medicare Supplement Plans Comparison Chart offers a quick look at the benefits provided by each Medigap policies.
| Medigap Benefits | A | B | C | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Medicare Part B Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes** |
| Blood (First 3 Pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A Hospice Care Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Skilled Nursing Facility Care Coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Medicare Part A Deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Medicare Part B Deductible | No | No | Yes | No | Yes | No | No | No | No | No |
| Medicare Part B Excess Charges | No | No | No | No | Yes | Yes | No | No | No | No |
| Foreign Travel Emergency (Up to Plan Limits) | No | No | Yes | Yes | Yes | Yes | No | No | Yes | Yes |
| Out-of-Pocket Limit*** | None | None | None | None | None | None | $5,240 | $2,620 | None | None |
* 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.
Medigap vs Medicare Advantage
Still wondering if a Medigap plan is right for you? Considering Medicare Advantage as an alternative? For many seniors it's a difficult decision. Here's our advice.
First, understand the difference between Medigap and Medicare Advantage plans available in Florida. Medicare Supplement insurance fills gaps in your Original Medicare benefits. Medicare Advantage replaces your Original Medicare benefits with managed care.
Second, if you want the most choices and flexibility, Original Medicare combined with a Medigap plan and a Florida Medicare Part D plan is the way to go.
RELATED: Medicare Advantage vs. Medigap: Which Is Best?
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] Sample premium is for a 65 year old, non smoking, woman living in Florida. The rate was accurate on 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 .