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Florida State FlagMedicare Supplement Plans in Florida

 Medicare Supplement Insurance plans in Florida help pay for a variety of covered services under Original Medicare, including Part A coinsurance and hospice care.

What Is Medigap in Florida?

Also known as Medigap, Medicare Supplement Insurance helps cover your out-of-pocket healthcare costs when you have Original Medicare. The plans are standardized, which means that Plan A offers the same benefits no matter which insurance company you choose. This is also true for Plan B, C, D, etc.

Who Qualifies for Medicare Supplement Insurance in Florida?

Floridians age 65 and older who are enrolled in Original Medicare qualify for Medicare Supplement Insurance. In addition, if you are under 65 and qualify for Medicare due to a disability or illness, you may also sign up for a Medigap plan. However, your premiums will likely be substantially higher than those of your over-65 counterparts. Compare rates here.

What Does Medigap Cover?

Medigap plan coverage varies according to which plan you choose. The following table demonstrates which services each plan pays for:

Medigap Comparison Chart

Please note that Supplement plans only pay for services covered by Original Medicare, which does not include prescription drug coverage. For that, you need to join either a standalone Medicare Part D plan or a Medicare Advantage Prescription Drug plan.

You cannot have both an Advantage plan and Medigap.

Medigap Plan C and Medigap Plan F in Florida

Medigap plans that cover the Medicare Part B deductible are no longer available to people who qualify for Medicare on or after January 1, 2020. This includes Medigap Plan C and Medigap Plan F.

You can get comparable coverage – minus the Part B deductible – by joining either Plan D (instead of C) or Plan G (instead of F).

When Is the Best Time to Join a Medicare Supplement Plan in Florida?

To avoid medical underwriting, the best time to join a Medicare Supplement plan in Florida is during your 6-month Medigap Open Enrollment Period (OEP). It begins the day you are both age 65 or older AND enrolled in Original Medicare.

Medical underwriting involves answering a series of health-related questions. The insurance company uses your answers to these questions to decide whether to sell you a policy and how much to charge for it. If you apply for a Medigap plan when you don't have a guaranteed issue right, your application will go through medical underwriting and you may be denied coverage or charged a higher premium.

How to Choose a Medigap Plan in Florida

Since benefits are standardized, the main comparison tool is cost. Pricing methods include:

  • Community rated: Also known as no-age rated, these plans charge the same premium regardless of age. Over time, you'll pay less for a community rated plan.
  • Issue-age rated: Premiums are based on your age when you join the plan and will only rise due to inflation.
  • Attained-age rated: Premiums start out low but go up as you age. Over time, these policies usually the most expensive option.

Our Find a Plan tool makes it easy to compare Medigap plans in Florida. Simply enter your location information and coverage start date to review Medicare plan options in your area.

Find a Plan today!
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