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Medicare Supplement Plans & Rates in Florida

Medicare Supplement Plans in FloridaWe offer Florida Medicare supplement insurance plans directly to our clients. Using our independent brokerage, you can compare rates, renewals, and benefits from the best Medigap providers.

We represent all supplemental insurance companies, including Aetna, Ace, Allstate, Florida Blue (Anthem BBCS), Cigna, Humana, Gerber Life, Mutual of Omaha, United American, United Healthcare AARP, Woodmen, and many others.

If you are near age 65 and in your Medicare open enrollment window, losing group coverage, shopping for better rates, or eligible due to disability – we can assist. Currently, United Healthcare (AARP), Aetna, Anthem BCBS (Florida Blue) & Humana 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 Plans A through N. Plan A offers only basic benefits while Plan F fills in all of the gaps not covered by Medicare. All others fall somewhere in between.

In Florida, Plans F, G, N, and High Deductible Plans G & F are popular when coupled with prescription Part D drug coverage. Plans G and N usually offer the most value. It’s important to understand the subtle differences between the various Medigap plans to make the best decisions. We can help you through this process so you don’t overpay for an insurance policy.

If you’re new to Medicare in 2020 and beyond, Plans F, C, and HD F will not be available for purchase. Plan G, D, N, and High Deductible Plan G will be your next best options. If you were eligible for Medicare before 2020, then all plans are still an option.

There are no Medicare supplements sold today that include Part D prescription drug coverage – only Medicare Advantage Plans combine the two. Part D Drug policies are sold separately from private carriers on a stand-alone basis. We assist our clients with Part D coverage as well. We’re a one-stop shop for Medicare insurance – and we offer all plans directly. There are never any fees to use our services.

Low Cost High Deductible Plan G & F Insurance

A handful of insurance companies offer High Deductible Plan G & F supplements. Before your benefits begin, you need to reach a $3,530 deductible in 2024. This deductible has been increasing more rapidly in the last few years making Medicare Advantage plans more attractive.

You should know that Medicare pays its portion first. Your high deductible insurance might not kick in immediately, but that does interfere with any Medicare payments. The government always pays first and then your supplement policy is next.

Currently United American, Humana, Aetna, UnitedHealthcare AARP, and Mutual of Omaha offer some of the best rates on High Deductible Plans G & F in Florida. We’ll quote all of them for you directly. We also provide insight on rate increases and renewals.

Medicare Supplements Versus Medicare Advantage

Medicare supplement insurance plans in Florida tend to cost more than in most other states. There are several reasons for this, but demographics and healthcare 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 are good choices.

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

If you are not sure which type is best for you, you can learn more about Medicare benefits in FL by clicking on this guide here. We will also help you better understand your options over a comprehensive phone call. It’s important to know you have only a one-year trial period if you choose to enroll in a Medicare Advantage plan. This means after one year in an Advantage plan, medical underwriting will be required to enroll in a traditional Supplement (like Plans F, G, or N).

In other words, it’s oftentimes difficult to switch back and forth. It can also be difficult to switch from one supplement to another. There is only so much you can do during the yearly Open Enrollment window, so make sure you know the rules. We help provide that education to our clients.

How Much Does Medicare Supplement Insurance Cost?

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

If you are under age 65 and eligible for Medicare due to disability, your premiums will be higher than those aged 65. Insurance companies are allowed to charge more for all Medicare supplements when an applicant is under the age of 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 will increase each year based on approved class increases that affect everyone. Some companies have larger increases than others. We can help you review the recent rate history of the best Medigap companies in your area.

Request Quotes & Information From Our Agency

You are shopping directly when using our licensed Medigap insurance brokerage in Florida. There are no additional fees for our services and you will not find lower Medigap prices anywhere else – either online, in person, or by calling each company 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 all well-known and highly-rated providers like Aetna, Cigna, United Healthcare (AARP), Mutual of Omaha, Humana, Florida Blue, United American, and many others.

Contact us for quotes and information today!