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Medicare Supplement Plans & Rates in Florida

Medicare Supplement Plans in FloridaWe offer Florida Medicare supplement insurance plans direct to you. Using our independent brokerage, you can compare rates, renewals and benefits from the best Medigap providers for free and without any hassles.

We represent several supplemental insurance companies including Aetna, Anthem Blue Cross, CSI, Humana, Gerber Life, Mutual of Omaha, Transamerica, United American, United Healthcare AARP and many others.

If you are near age 65 and in your Medicare open enrollment window, losing group employer coverage, shopping for better rates, or eligible due to disability – we can assist you. Currently, United Healthcare (AARP), Aetna, Anthem BCBS, Humana and Transamerica are offering some of the lowest rates in FL.

Choosing Medigap Insurance Plans In Florida

The ten modernized supplemental insurance plans to choose from are labeled A through N. Plan A offers only basic benefits while Plan F fills in all of the gaps not covered by Medicare. All of the others fall somewhere in between.

In Florida, Plans F, G, N and High Deductible Plan F are popular when coupled with prescription Part D drug coverage. In our experience, Plan G and N oftentimes offer the most value. It’s important to understand the subtle differences between the different Medigap plans in order to make the best decision for your coverage. We can help you through this process so you don’t overpay for insurance you might not need.

It’s important to note that no Medicare supplements sold today offer Part D prescription drug coverage. Those policies are sold separately from private carriers on a stand-alone basis. We assist our clients with Part D drug coverage as well. We’re a one-stop Medicare insurance shop for our clients and we offer all plans direct to consumers. There are never any fees to use our services.

Low Cost High Deductible Plan F Insurance

A handful of insurance companies offer a High Deductible Plan F supplement. Before your supplemental benefits begin, you would need to reach a $2,300 deductible in 2019. In 2018, the deductible was $2,240. Typically this amount increases by $20-$40 per year if at all. It rises with inflation so, Medicare can never increase it arbitrarily.

You should know that Medicare will always pay its share first. Your high deductible supplemental insurance will not kick-in right away w, but that does interfere in any way with your primary Medicare coverage. It always pays first and will continue to do so with HD Plan F.

You may have heard that Plan F will no longer be for sale in 2020. This is also true for High Deductible Plan F. It is highly likely there will be a new plan HD plan to take its place. We think it will be Plan G, but that information is not out yet. But even with HD Plan F coming off the market for those who are new to Medicare, we still recommend this insurance now for many of our clients. It’s a great way to enjoy low premiums along with a manageable deductible.

Currently United American, Humana, Aetna and Mutual of Omaha offer some of the best rates on High Deductible Plan F in Florida. We can quote all of them for you direct in one place.

Medicare Supplements Versus Medicare Advantage

Medicare supplement insurance plans in Florida tend to cost more than in surrounding states. There are several reasons for this, but demographics and health care utilization play a significant role. In some areas, Plan F will cost more than $200 per month. That’s why Plan G and Plan N can be a good choice.

But for those needing the lowest premiums, we also help with Medicare Advantage  Prescription Drug (MAPD) plans as well. There are several companies offering this insurance and many have $0 premiums. While MA plans have more out-of-pocket exposure and some network limitations, premiums are more affordable. Additionally, Advantage plans can include Part D prescription drug coverage at no additional cost.

If you are not sure which insurance type might be best for you, you can learn more about Medicare benefits in FL by clicking on their guide here. We can also help you better understand your options during a meeting or phone conversation.  It’s very important to note that you have a one year free trial period if you choose to enroll in a Medicare Advantage plan. This means, that after one year or longer in an Advantage plan, medical underwriting will be required to enroll in a Supplement (like Plans F, G, or N). If you have poor health, it can difficult to make this switch.

How Much Does Medicare Supplement Insurance Cost?

Several factors will determine your monthly premiums, including: age, gender, resident zip code, chosen insurance company, and selected plan. There are always new insurance companies entering the Medigap marketplace, so it is wise to work with an independent agency like ours. This way you’ll be aware of better rates when they become available.

If you are under age 65 and eligible for Medicare due to disability, your premiums will be higher than those age 65. Insurance companies are allowed to charge more for all Medicare supplements when an applicant is under age 65. Plan N as well as some Medicare Advantage plans can be a good choice for those on disability.

By law, all Florida Medicare insurance policies are “guaranteed renewable.” This means the insurance company cannot cancel your coverage for any reason – or single you out for a rate increase. Insurance companies can raise your rates each year, but it’s done on a class basis for everyone.

All Medigap policies sold in FL are Issue Age plans. Your rates will not increase as you grow older, but they can increase each year based on approved class increases that affect everyone. Some companies have larger increase than others.  We can help you review the recent rate history of the best companies in your area.

Request Quotes & Information From Our Agency

You are shopping direct when using our licensed Medigap insurance agency in Florida. There are no additional fees for our services and you will not find lower Medigap prices for the same coverage anywhere else – either online, in person or by calling each carrier on your own.

We serve the entire state of FL including Ft. Myers, Gainesville, Jacksonville, Miami, Orlando, Tampa, Tallahassee and all places in between. We represent several well-known and highly-rated providers like, Aetna, United Healthcare (AARP), Mutual of Omaha, Gerber Life, Humana, Florida Blue, United American, and many others. Contact us for quotes and information today!