Florida Medicare Supplement Plans

  1. List of Carriers
  • Humana
  • AARP (United Healthcare)
  • Everest Reinsurance
  • United American
  • Globe Life and Accident
  • Blue Cross and Blue Shield of Florida
  • Colonial Penn
  • United of Omaha
  • American Retirement (Cigna)
  1. List of Towns/Cities (10 – 20)
  • Jacksonville
  • Miami
  • Tampa
  • Orlando
  • St. Petersburg
  • Hialeah
  • Tallahassee
  • Port St. Lucie
  • Fort Lauderdale
  • Cape Coral
  • Pembroke Pines
  • Daytona Beach
  • Miramar
  • Coral Springs
  • Gainesville
  1. Top Medigap Plans (Plan Types/Letters, Carriers)
  • Medigap Plan A

Medigap Plan A is a very basic Medicare supplement coverage that must be available to buy from every Medigap provider. 

Although not the most comprehensive coverage, the plan is a cheap and simple entry-point into Medicare supplement coverage.

Some of the most popular Medigap Plan A plans in Florida come from the companies listed below:

  1. Humana Insurance Company – $126.04 per month.
  2. AARP (United Healthcare) Medicare Supplement Plans – $136.24 per month.
  3. Globe Life and Accident Insurance Company – $139.50 per month.
  4. United American Insurance Company – $141 per month.
  5. Gerber Life Insurance Company – $144.37 per month w/ $25 policy fee.
  6. Blue Cross and Blue Shield of Florida – $147.10 per month.
  7. Wisconsin Physicians Service Insurance Corporation – $152.16 per month.
  8. United of Omaha Life Insurance Company – $152.44 per month.
  9. Aetna Health and Life Insurance Company – $153.11 per month.
  10. American Retirement Life Insurance Company (Cigna) – $168.56 per month w/ $20 policy fee.
  • Medigap Plan F

In Florida, Medigap Plan F is the top plan choice for Medicare supplement coverage. 

By enrolling into Medigap Plan F, you are receiving the highest possible coverage available from a Medicare supplement plan. However, while many companies provide their own Plan F, the only change you need to watch for is cost – any coverage for Plan F stays the same between all competitors. 

Some of the most popular companies selling Medigap Plan F options in Florida today include:

  • AARP (United Healthcare) Medicare Supplement Plans – $193.26 per month.
  • Humana Insurance Company – $193.90 per month.
  • Wisconsin Physicians Service Insurance Corporation – $198.67 per month.
  • Gerber Life Insurance Company – $198.80 per month w/ $25 policy fee.
  • United American Insurance Company – $199 per month.
  • Aetna Health and Life Insurance Company – $202.25 per month w/ $20 policy fee.
  • Blue Cross and Blue Shield of Florida – $204.30 per month.
  • Renaissance Life and Health Insurance Company of America – $205.47 per month w/ $25 policy fee.
  • United of Omaha Life Insurance Company – $209.10 per month.
  • American Retirement Life Insurance Company – $240.81 per month w/ $20 policy fee.
  • Medigap Plan G

As we move closer to 2020, you must be made aware that Medigap Plan F will no longer be an available choice for new enrollment into Medicare supplement coverage. 

With this news, Medigap Plan G has surged forward as one of the most popular plans in Florida, with its coverage and premium being almost the same as a Plan F. 

If you’re in Florida, here are just a few of the most popular choices you have for a Medigap Plan G enrollment:

  1. AARP (United Healthcare) Medicare Supplement Plans – $164.78 per month.
  2. Humana Insurance Company – $166.97 per month.
  3. Great Southern Life Insurance Company – $180.39 per month w/ $25 policy fee.
  4. Wisconsin Physicians Service Insurance Corporation – $181.74 per month.
  5. Everest Reinsurance Company – $182.35 per month.
  6. Gerber Life Insurance Company – $182.83 per month w/ $25 policy fee.
  7. United American Insurance Company – $188 per month.
  8. Aetna Health and Life Insurance Company – $188.42 per month.
  9. Blue Cross and Blue Shield of Florida – $188.80 per month.
  10. United of Omaha Life Insurance Company – $190.58 per month.
  • Medigap Plan N

Another popular choice in Medicare supplement plans is the Medigap Plan N. This plan has a lower cost for its coverage, making it one of the most affordable options for you to buy, but covers more than the basics (like what you would get from Medigap Plan A.)

Like many other plan types, Medigap Plan N is sold by multiple providers in the state of Florida. Here are a few of the most popular companies who supply the plan:

  1. Humana Insurance Company – $133.39 per month
  2. AARP (United Healthcare) Medicare Supplement Plans – $143.92 per month.
  3. United American Insurance Company – $144.00 per month.
  4. American Retirement Life Insurance Company (Cigna) – $148.54 per month w/ $20 policy fee.
  5. Great Southern Life Insurance Company – $149.51 per month w/ $25 policy fee.
  6. Aetna Health and Life Insurance Company – $150.61 per month w/ $20 policy fee.
  7. Everest Reinsurance Company – $154.34 per month.
  8. Pan-American Life Insurance Company – $156.06 per month w/ $25 policy fee.
  9. Wisconsin Physicians Service Insurance Corporation – $162.30 per month.
  10. United of Omaha Life Insurance Company – $168.15 per month.
  1. Medicare Part A and B

Your Original Medicare, made up of Medicare Parts A and B, are both necessary to enroll into a Florida Medigap plan. 

With that Original Medicare, the services you would receive for both hospital (Part A) and medical (Part B) coverage are paid up to 80%. This leaves 20% for you to pay out-of-pocket, but many use their Medigap plan to pick up the difference.

Medicare Part A

When turning 65, Medicare Part A is automatically provided to you, giving access to hospital services under its coverage.  It depends on the circumstance, but most of what Part A covers involves:

  • Home Healthcare Services
  • Skilled Nursing Services
  • Home Healthcare Services
  • Inpatient Hospital Services
  • Short-Term Nursing Home Services

Medicare Part A will very likely not require a monthly premium for its coverage, as most of its payment comes from taxes you’ve paid into during your lifetime; but a Part A deductible, along with several copays, could be expected depending on the service you want completed.

Medicare Part B

Medicare Part B, on the other hand, gives access to medical services under its coverage, including the likes of:

  • Your Durable Medical Equipment, including wheelchairs
  • Lab Work (like Blood Tests or Samples)
  • General Visits to Your Doctor
  • Services and Goods Needed to Monitor Your Diabetes
  • Mental Health Services
  • Ambulance Emergency Services and Rides

However, to be eligible for a Florida Medigap plan, you’ll need to have Medicare Part B and that includes paying its monthly income-based premium.

In the event you may already receive medical coverage elsewhere, you can decline Part B coverage until you are ready; if choosing to do though, your premium will have raised in price since its first offer to you.

  1. General Medigap Information
  1. Medigap Under 65