Florida Medicare Supplements
Get a Quote »Our independent agency offers Florida Medicare supplement insurance direct to seniors age 65 and over as well as those approved for Medicare disability.
We represent several highly rated companies offering Medigap coverage including Mutual of Omaha, United Healthcare (AARP), Anthem Blue Cross, Gerber Life, United American and many others.
If you are near age 65 and in open enrollment, losing employer sponsored group coverage, shopping for better rates on your current plan, recently enrolled in Medicare Part B, or if you have been accepted into Medicare disability - then we can assist you. Currently, both AARP United Healthcare and Gerber Life are offering some of the best rates in most areas of FL.
Choosing A Medicare Supplement Plan In Florida
The ten modernized supplemental insurance plans to choose from are labeled A through N. Plan A offers only basic benefits not covered by Medicare while Plan F fill is all of the gaps.
(View a benefit comparison chart)
In Florida Plans C, F, G and N are most popular when coupled with prescription Part D drug coverage.
Other plans offered by insurance providers include a high deductible Plan F. In order for benefits to begin, you would need to reach a $2070 deductible in 2012. Typically, High Deductible Plan F through United American is one of the most affordable supplements available.
Still other insurance companies offer supplemental coverage with a network of doctors and hospitals to choose from. These are referred to as Select Plans and will be less expensive than their traditional counterparts. Plans C and F usually offer in a Select version from a few insurance companies.
The most popular supplemental plans allow you to visit any doctor or hospital accepting Medicare patients. However, monthly premiums will be lower with High Deductible or network driven Select plans and should be considered by those on a tight budget as an alternative to a Medicare Advantage plan.
Medigap Insurance Plans C, D, F, G, K, L, M and N
The newest Medicare supplement plans introduced in Florida and on a nationwide basis are Plans M and N. These are cost sharing plans (like Plans K and L) and can best be compared to Medicare Advantage coverage. Plans M and N will not cover all the gaps in Medicare, but offer a reasonable trade-off in that monthly premiums are much lower than Plans C, F and G.
Of the two, Plan N is most comprehensive and therefore most popular with seniors. Plan N does not cover Part B Excess charges and also has a maximum copay of $20 for doctor’s office visits. It is important to note that you may still need to purchase a prescription Part D drug plan as rx plans are sold separately from all Medigap coverage.
How Much Do Medicare Supplements Cost?
Florida is unique in its demographics as it ha a large senior population. Supplemental rates tend to be higher in FL than in most other states because of this fact. We work with the leading supplemental providers in order to find the most affordable rates for our clients.
Some of the factors that will determine your monthly premiums will include: age, gender, resident zip code, the chosen insurance company, and the plan selected. There are always new companies entering the Medigap marketplace, so it is wise to work with an independent agency like ours so that you will be aware of better rates when they become available.
All Medicare insurance policies are “guaranteed renewable,” which means as long as you pay your premiums each year, the insurance company cannot cancel your coverage. However, the insurance company can raise your rates from year to year, which is why consumers will look for better rates with us.
Purchase Supplement Insurance Direct
It is important to note that you are shopping direct when using our agency. There are no additional fees for our services and you will not find lower Medigap prices for the same coverage anywhere else – either online or in person.
We serve the entire state of FL including Ft. Myers, Gainesville, Jacksonville, Miami, Orlando, Tampa, Tallahassee and all places in between while representing several well know carriers like AARP, Mutual of Omaha, Gerber Life, Anthem Blue Cross, United American, United Healthcare and others.