Medicare Supplement Plans in Florida

Medicare Supplement Plans Florida

Medigap Insurance Quotes

Find the Most Affordable Medicare Plans in your Area

What is the Best Medicare Supplement Provider in Florida?

Florida seniors have many choices when purchasing a Medicare Supplement (Medigap) plan in Florida. Like 47 other states, Florida has elected to offer all 10 standardized Medicare Supplement plans. This means that Florida seniors can choose from 10 different plans to fill the gaps in Original Medicare and minimize their out-of-pocket healthcare expenses.

Medicare Supplement Plans in Florida

In Florida, there are various Medicare Supplement Plans available, but determining the best Medicare Supplement Plan for your needs can be challenging. While it’s difficult to provide a definitive answer because individual circumstances vary, we encourage you to continue reading for a comprehensive explanation. Or, you can reach out to us at 844-528-8688 for a personalized consultation to help you choose the most suitable Medicare Supplement Plan in Florida to satisfy your circumstances and budget.

Easy Article Navigation

Regardless of where you’re living in Florida when you become eligible for Medicare, it’s important to find a Medicare supplemental plan that fits with your lifestyle and budget. During your open enrollment period, Medicare Supplement Plans in Florida are easily accessible without the need for medical underwriting. For more information on enrolling in Medicare, refer to our Medicare Supplement Guide.

Medigap Plans in Florida if You’re Under 65

Certainly, Florida is one of the states with many seniors on Medicare and has a Medicare Supplement Plan to fill in the gaps that are a result of deductibles, copayments, and coinsurance.

In Florida, you may be eligible for Medicare Supplement coverage if you’re under 65 and qualify for Medicare because of disability or end-stage renal disease (ESRD).

If you decide to enroll in a Medicare Supplement plan, you will enjoy the same guarantee issue rights that a person turning 65 will have. Knowing this, we’ll help you find the best Medigap Plans in Florida for those under 65 and qualify for coverage.

First Things First, You Need Medicare

To be eligible for a Florida Medicare Supplement Plan, you must have Medicare Parts A and B.

Medicare Part A Hospital Insurance

Medicare Part A Hospital Insurance

This part of Medicare, helps pay for care in a hospital, skilled nursing facility, some home health care, and hospice care.

Part A is $0 for most people

Has a “Per Period” Deductible


Medicare Part B

Medicare Part B Medical Insurance

This part of Medicare helps pay for doctor bills, outpatient hospital care, and other medical services not covered by Part A.

Part B is $170.0 per month for most 

Has an annual deductible


Medicare Requirements in Florida

There are two different scenarios when it comes to your Medicare Enrollment, to find out what you need to do to enroll in Medicare, see below to find which fits your situation.


If You Are Currently Receiving Social Security

If you are currently receiving Social Security Payments, you will receive your Medicare card in the mail, approximately 90 days prior to your 65th birthday.


If You Are NOT Currently Receiving Social Security

If you are not receiving Social Security Payments you will need to Enroll in Medicare with the Social Security Dept.  You can call 1-800-772-1213, Online at, or visit your local Social Security Office.

Finding Your Florida Medicare Supplement Plans 2023

As you’ve become familiar with the Medicare enrollment process, it’s time to identify the ideal Medicare Supplement Plan in Florida tailored to your needs. Although pricing for these plans is a crucial factor, you should also consider the reputation of the company and its history of rate increases. Be cautious, as the most affordable monthly premium today may lead to significant expenses in the future.

Medicare Supplement Companies sometimes enter a region with a low “introductory price,” essentially attracting new business. However, once they’ve built up their client base, they may significantly raise their rates to offset any losses. This is one of the reasons why we, at the Medicare Solutions Team, offer more than twenty Medicare Supplement Plan providers in Florida.



Medicare Supplement Plans, sometimes called Medigap Plans are set and standardized by CMS (Medicare).  They offer 10 plans but the three most popular are Plan F, Plan G and Plan N.

Medicare Supplement Plans Texas

What is the Best Medicare Supplement Plan in Florida?

Determining the best Medicare Supplement Plan in Florida depends on your specific needs, preferences, and budget. Since individual circumstances vary, it’s essential to carefully evaluate the available options and consider factors such as coverage, premiums, and the reputation of the insurance provider.

To find the best Medicare Supplement Plan for you, it’s a good idea to consult with an experienced and reputable independent insurance agent who can guide you through the selection process based on your unique requirements. They can help you compare different plans and providers to ensure you make an informed decision that best suits your needs.

Florida Medicare Supplement Plan F

The Plan F Medicare Supplement Plan Florida, simply put, covers everything.  On the face that seems like a great idea, but there are a few reasons why.

  1. It is the most expensive Plan on the Market
  2. It has the highest rate increases of all the Medicare Supplement Plans
  3. The Medicare Supplement Plan F will no longer be available to new enrollment as of 2020.

**The Medicare Supplement Plan F High deductible plan will not be changed in 2020.

Medicare Part G Florida

The Medicare Supplement Plan Florida that offers the most coverage for the lowest premium is Medigap Plan G.  The Medicare Supplement Plan G offers the exact same benefits as Plan F except that you will pay the Part B deductible.  The Part B deductible is set by Medicare and can change, but at this time it is $226.00 per year. 

The Florida Medicare Supplement Plan G is normally $300.00 to $400.00 per year less in premium than Plan F and historically has much lower rate increases.  

Once the Part B deductible ($226.00 for 2023) is paid, your benefits will be identical to the Medicare Supplement Plan F.  Why would anyone want to pay an insurance company $300.00 to $400.00 a year more just to pay a $226.00 deductible.

Medicare Supplement Plans Texas

View Plan G Quotes-

View Plan G Quotes-

Florida Medicare Supplement Plan N

Medicare Supplement Plan N is one of the lowest-cost Medicare Supplement Plans, but you will take on a little more risk and out-of-pocket costs.  With a Medigap Plan N, you will have a copay of $20.00 for doctor visits and $50.00 for an emergency room visit.

Paying a copay is something that most people are used to, and does add some cost if and when you go to the doctor, but there is another facet of the Plan N that you need to be aware of.

Plan N does not cover Medicare Part B excess charges, now this could be a big deal or nothing at all.  If a doctor accepts Medicare but is not assigned by Medicare he can legally charge you 15% over the Medicare-approved amount.  You would then be responsible for that extra cost.

Medicare Supplement Plans Texas

View Plan N Quotes-

View Plan N Quotes-

Medicare Assignment

Medicare Assignment means that your doctor, provider, or supplier agrees (or is required by law) to accept the Medicare-approved amount as full payment for covered services.

Now the excess charges could end up not being a problem at all, in fact, there are some states that do not allow the excess charges, and sadly Florida is not one of them.  As of the last report, approximately 93% of doctors across the United States accept Medicare Assignment and if you do your due diligence when looking for a doctor or having a procedure done, it should not be a problem.

For complete details on Medicare Supplement Plans in Florida 2023, you can reach us by email on our contact us page or by calling 844-528-8688.  Remember there is never a fee for our services.

Frequently Asked Questions

Does Florida have Medigap Plans?

Yes, Florida offers Medigap plans, also known as Medicare Supplement Plans. These plans are designed to help cover the out-of-pocket expenses not covered by Original Medicare (Part A and Part B). In Florida, numerous insurance providers offer a range of standardized Medigap plans to cater to the needs of Medicare beneficiaries. It’s essential to compare these plans based on coverage, premiums, and the reputation of the insurance provider to find the most suitable option for your unique circumstances.

Does Florida offer Medicare Supplements to individuals under age 65?

In Florida, you may be eligible for Medicare Supplement coverage if you’re under 65 and qualify for Medicare because of disability or end-stage renal disease (ESRD).

Do companies that offer Medicare Supplement plans in Florida raise prices regularly?

While rates for Medicare Supplement Plans Florida are very important, you need to also look at the company and the rate increase history.  What might be the absolute cheapest monthly premium now, could end up very costly down the road. This means you should speak with your agent and find out which carriers raise prices more often than others.

Does Florida allow individuals to have a Medicare Supplement Plan and a Medicare Advantage plan?

No. No state will allow an individual to enroll in both Medigap and Medicare Advantage.

What is Medicare Plan G Florida?

Medicare Plan G in Florida is a popular Medicare Supplement (Medigap) plan that helps cover out-of-pocket expenses not paid by Original Medicare (Part A and Part B). Plan G provides comprehensive coverage, including Medicare Part A coinsurance and hospital costs, Part B coinsurance and copayment, skilled nursing facility care coinsurance, hospice care coinsurance or copayment, and the first three pints of blood each year. Additionally, Plan G covers the Medicare Part A deductible and 100% of Medicare Part B excess charges, which occur when a healthcare provider charges more than the Medicare-approved amount.

What is the income limit for Medicare in Florida?

Medicare eligibility is generally not based on income limits. Instead, it is determined by factors such as age, disability, and specific medical conditions. Most people become eligible for Medicare when they turn 65, while others may qualify earlier due to certain disabilities or medical conditions such as End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS).
However, income can play a role in determining the premiums you pay for certain parts of Medicare, such as Medicare Part B and Medicare Part D. If your income is above a certain threshold, you may be subject to an Income-Related Monthly Adjustment Amount (IRMAA), which results in higher premiums.

What is the best Medicare Supplement provider in Florida?

It is challenging to determine a single “best” Medicare Supplement provider in Florida, as the ideal choice depends on various factors such as individual needs, preferences, and budget. When searching for the most suitable Medicare Supplement provider, consider factors like coverage, premiums, rate increase history, financial stability, and customer service.

What is the cost of Medicare Supplement plans in Florida?

On average, a 65-year-old in Florida can expect to pay around $264 per month for a Medicare Supplement plan, while a 75-year-old may pay an average of $321 per month. Plan G and Plan F are among the most sought-after Medigap plans, with average monthly premiums of $295.50 and $357.89, respectively. Their popularity stems from the extensive coverage they provide.

What is the average cost of a Medigap plan in Florida?

The average cost of a Medicare Supplement plan is $139 per month for 2023. However, rates can vary widely from about $50 to more than $400 per month.

View Mediagap Quotes-Enter Your Zip Code:

View Mediagap Quotes-Enter Your Zip Code: