The Best Florida Medicare Supplement Plans (2024)

The average cost of Medicare Supplement plans in Florida for a 65-year-old is $264 per month, while for a 75-year-old, it averages $321 per month. Plan G (monthly average of $295.50) and Plan F (monthly average of $357.89) are the most popular Medigap plans due to their comprehensive coverage. However, Plan F is only available to individuals who became eligible for Medicare before January 1, 2020.

Plan N is the next most popular plan, costing an average of $228.30 per month. This has similar coverage to Plan G and F but does not cover Part B deductibles or excess charges.

While there are other Medigap plans, MoneyGeek focused on determining the best provider based on the average premiums and benefits of these three plans. Read more about finding the right Medicare Supplement plan to learn about the different types of plans and coverage.

UnitedHealthcare offers the best Medicare Supplement Plan G in Florida, costing an average of $265.92 per month. The company also offers a SELECT option to policyholders, which costs slightly less at an average of $245.92 per month.

Note that this ranking is only based on companies that provide quotes online. There may be more providers in Florida that can offer you better rates or plans but need to be contacted via phone or email.

Medigap Plan G costs an average of $323.30 per month in Florida, but rates can depend on your provider. UnitedHealthcare’s plan costs an average of $255.90 per month, which is the lowest in the state, while the highest is from Cigna at an average of $328.30 per month.

Aside from your provider, premiums can also change based on how old you are when you buy your policy, your current age, the discounts you qualify for and any medical underwriting factors.

Twenty-eight providers in Florida offer Medigap Plan G, but only three of them provide quotes online. For the other 25, you may have to contact them via phone or email to get a quote.

To save you an extra step, MoneyGeek collected the contact information of all Plan G providers in Florida. Each company’s pricing method is also listed to help you find the best offer for your needs.

All Medicare Supplement plans are standardized and must include certain benefits across all providers. Plan G, for instance, must include Part A and B coinsurance, skilled nursing facility care coinsurance and Part A hospice care. However, it does not cover Part B deductibles.

Some providers can also choose to offer extra benefits. UnitedHealthcare, for instance, has a free gym membership offer for its policyholders.

The best provider for Medigap Plan F in Florida is also UnitedHealthcare, whose rates average $429.23 per month. However, only those who became eligible for Medicare before January 1, 2020, can purchase this plan.

Note that MoneyGeek only ranked companies that provided quotes online. You may yet find a better offer for Plan F amongst providers who need to be contacted directly for a quote.

In Florida, Medigap Plan F costs an average of $357.90 per month. However, costs can change based on your provider, ranging from as low as $299.80 per month from Cigna to as high as $429.20 per month from UnitedHealthcare.

Providers also base your quotes on your age when you initially bought your plan, your current age, your discounts and any medical underwriting factors.

Plan F can be bought from 28 providers in Florida, but not all of them provide quotes online. Some may need to be contacted via phone or visited in person to receive a quote.

To help you find a company that fits your needs, MoneyGeek collected the contact information and pricing methods of all Medigap Plan F providers in Florida.

Medicare Supplement plans in Florida must cover at least certain benefits, as they are standardized across the country.

Among all Medigap plans offered in the state, Plan F offers the most coverage. A number of benefits are included in this plan, including coinsurance for Part A and B, skilled nursing facility care coinsurance, Part A and B deductibles and more. Many providers provide additional benefits as well. UnitedHealthcare, for example, offers foreign travel emergency care, which protects you in case you require medical care abroad.

UnitedHealthcare is the best provider for Medigap Plan N in Florida, offering premiums at an average of $218.32 per month. They also offer a SELECT plan at a more affordable rate averaging $201.89 per month, although these plans typically come with more restrictive provider networks.

MoneyGeek’s ranking of the best Plan N providers in Florida only considers companies that offer quotes online. You may find better plans or offers from other regional providers in Florida that need to be contacted directly.

In Florida, Plan N has an average monthly cost of $269.10, but actual premiums depend on a number of criteria, such as your provider, current age, age when you initially purchased your plan, discounts and medical underwriting factors.

For instance, the cheapest Plan N in the state is from UnitedHealthcare at an average of $210.10 monthly, while Blue Cross Blue Shield of Florida has the most expensive plan at an average of $259.30 per month.

In Florida, there are 27 providers of Medigap Plan N, but quotes are not available online for most of them. For other providers, you will have to call or email them to get a quote instead.

To save you some time, MoneyGeek gathered the contact details and pricing methods of all 27 Plan N providers in Florida. This way, you can find the best fit for your needs.

Plan N is standardized across all Medigap plan providers and includes coinsurance and deductibles for Part A, along with Part B coinsurance, skilled nursing facility care and more. However, it does not cover Part B deductibles or excess charges.

While all providers have to offer the same basic benefits, they can also add extra features. UnitedHealthcare, for instance, offers foreign travel emergency coverage and dental, vision and hearing care discounts.

There are other Medicare Supplement plans in Florida available for purchase, but they are less popular due to their lack of comprehensive coverage.

MoneyGeek evaluated the best option for each plan type in Florida based on the same criteria where quotes are available. Within the state, UnitedHealthcare, Blue Cross Blue Shield of Florida and Cigna are the only companies that provide quotes online.

We found that UnitedHealthcare is the best option for Plans A, B, C, F, G, K and N. However, we prefer Blue Cross Blue Shield of Florida for Plans D, L and M.

Keep in mind that individuals eligible for Medicare after January 1, 2020, will not be able to buy Plan C in Florida or elsewhere.

Figuring out which is the best Medigap plan in Florida will depend entirely on your needs. To help you compare Medicare Supplement plans in Florida, MoneyGeek collected and analyzed pricing data to create an easy-to-understand comparison chart for all plan types.

Not all Medigap plans are the same, and some are not even available for everyone. For instance, Plans F and C are the most comprehensive plans on the market but can no longer be bought by new enrollees who qualified for Medicare after January 1, 2020. These have been replaced by Plans G and D.

Compare coverages and average rates using the chart below.

The cost of a Medigap plan can vary based on your plan type and company. Across most plan types in Florida, however, UnitedHealthcare stands as the most affordable provider, but for Plans D, C and M, Blue Cross Blue Shield of Florida is the most affordable. For Plan F, Cigna is the cheapest.

Rates for Medigap plans in Florida can also depend on a company’s pricing plan, which you can review below.

• Issue-age: This is the most common pricing style used by Florida providers. In this case, you pay a premium based on your age when you enroll in the plan. Nearly all Florida Medicare Supplement plans have an issue-age pricing structure.

Review the answers to some frequently asked questions about Medicare Supplement plans in Florida to enhance your knowledge of this topic.

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Florida for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.