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Medicare Supplement Plans & Rates in Florida

Medicare Supplement Plans in FloridaOur independent agency offers Florida Medicare supplement insurance direct. We’ll help you compare rates, renewals and benefits from the most competitive supplemental providers in FL free and without hassle.

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

If you are near age 65 and in open enrollment, losing group coverage, shopping for better rate, recently enrolled in Medicare Part B, or if eligible due to disability – we can assist you. Currently, United Healthcare (AARP), Aetna, Anthem BCBS and Transamerica Life are offering some of the best rates in most areas of 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.

It’s important to note that no supplements sold today offer Part D prescription drug coverage. Those policies are sold separately from private carriers. We assist our clients with Part D drug coverage as well.

In Florida, Plans F, G and N are popular when coupled with prescription Part D drug coverage. In our experience, Plan G and N oftentimes offer the most value.

Some insurance companies offer a High Deductible Plan F. In order for benefits to begin, you would need to reach a $2,240 deductible in 2018. That is a $40 increase over 2017. High Deductible Plan F through United American is one of the most affordable supplements available in all of Florida.

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 traditional insurance options. Plans C and F are offered in a Select version from a few insurance companies.

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.

For those looking for lower premiums, we also help with Medicare Advantage (MA) plans. There are several companies offering this insurance option 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 usually include Part D prescription drug coverage as well.

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 by comparing Supplement to Advantage plans.  It’s important to note that you only have a one year trial period with most Advantage plans, so it can be difficult to switch back to a supplement later if you have poor health.

How Much Does Medicare Supplement Insurance Cost?

Factors that will determine your monthly premiums will include: age, gender, resident zip code, chosen insurance company, and selected plan. There are always new companies entering the Medigap marketplace, so it is wise to work with an independent agency like ours so that you’re 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 any plan they offer 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,” meaning as long as you pay your premiums, the insurance company cannot cancel your coverage. Insurance companies can raise your rates each year, but they cannot single you out for a rate increase.

All Medigap policies sold in FL are Issue Age plans. Your rates cannot increase as you grow older, but they can increase each year based on approved class increases that affect everyone. You can never be singled out for an individual rate increase.

Request Quotes & Information From Our Agency

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, 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 United Healthcare (AARP), Mutual of Omaha, Gerber Life, Florida Blue, United American, and many others. Contact us today!