Overall, we found that United Healthcare has the best Medicare supplement plans in the state of Florida with rates that are 11% below average for the most popular plan in the nation (plan G). However, you should also look into Blue Cross Blue Shield and Cigna as well for affordable plans since pricing differs widely by policy letter.
Best Medicare Supplement Plans in Florida
Blue Cross Blue shield, Cigna and United Healthcare offer the best Medicare supplement plans in Florida with savings of up to 11% of plan G policies.

Updated: April 24, 2025
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Key Takeaways
United Healthcare offers the best and cheapest Medicare supplement plans for the most popular policy in the state, plan G for $256 per month.
Medicare supplement plans can cost in Florida anywhere from $99 to $427 per month on average depending on your policy selection.
To ensure you find the plan you need, ensure you check plan availability, restrictions and benefits, and compare quotes from multiple companies.
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Who Are The Best Cheap Medicare Supplement Plan Companies in Florida?
UnitedHealthcare | $256 | $3,071 |
Blue Cross Blue Shield of Florida | $319 | $3,824 |
Cigna | $328 | $3,940 |
*Pricing shown is for Medicare supplement plan G for 65-year-olds.
Compare Personalized Best Cheap Medicare Supplement Companies in Florida
While we have provided the best companies for the most popular plan nationwide, you may have different plan needs. So below, we've provided a filterable table so you can find the best and most affordable company for you.
Blue Cross Blue Shield of Florida | $225 | $2,696 |
Cigna | $249 | $2,984 |
UnitedHealthcare | $220 | $2,645 |
Florida Medicare Supplement Plan Cost
The typical Medicare supplement plan, plan G, costs around $301 monthly or $3,612 per year on average. However, your rates can vary widely being anywhere from $96 to $429 depending on the provider and plan you select.
A | $231 | $292 |
B | $275 | $349 |
C | $404 | $427 |
D | $283 | $380 |
F | $296 | $377 |
G | $301 | $378 |
K | $99 | $134 |
L | $197 | $256 |
M | $317 | $403 |
N | $234 | $317 |
Florida Medicare Supplment Coverage Guide
With many plan options to choose from and many considerations to be made, it can be especially hard to decide what Medicare supplement policy is best and which company to choose. So we've created a comprehensive guide detailing what coverage are available, how to choose which plan you need, and how to get the best cheap company for you.
Florida Medicare Supplement Plan Comparison Chart
All Medicare supplement plans, regardless of your state have standardized coverages. Below we've summarized what each plan letter for Medicare supplement, or Medigap, covers:
Plan Letter | Co-Insurance and Copayment Coverage | Deductibles and Other Coverages |
---|---|---|
A |
| Blood (first 3 pints) |
B |
|
|
C |
|
|
D |
|
|
F |
|
|
G |
|
|
K |
|
|
L |
|
|
M |
|
|
N |
|
|
How To Decide Which Medicare Supplement Plan You Need
Much of the decision around what Medicare supplement coverage plan to get revolves around your eligibility, your current financial situation, and your age, condition and lifestyle. Below we summarize how to take these factors into consideration:
Eligibility
If you are a new enrollee, you'll have all plans available to you except plans C or F. If you were eligible for Medicare before 2020, you'll have to ability to choose from all 10 plans available.
Age, Condition and Lifestyle
Deciding what your coverage needs are based on your age, and pre-existing conditions or risks, and your current lifestyle can help frame exactly what coverage you need. Think about how likely different coverage items will be used based on these factors and consult a medical professional and a Medigap/Medicare supplement specialist to determine to help inform your choice.
Financial Status
Ultimately regardless of risk factors for you and coverage needs, your financial wherewithal to pay for coverage is often the most important consideration. Look for plans that would be most helpful based on your risk profile that you can still afford.
How To Find The Best Florida Medicare Supplement Company
Once you've decided what plan is right for you, it is time to compare companies. Below we have detailed the key things to look for in a Medicare supplement provider in Florida:
- 1
Customer Satisfaction and Complaints
The medical insurance industry is often some of the lowest rated for customer service and is often subject to many complaints, reagardless of company. However, looking into customer satisfaction ratings with resources like J.D. Power and the NAIC can help easily clarify which company is best in this category.
- 2
Plan Pricing
Often the 2nd most important consideration, you need to make sure to compare plans with companies apples to apples to find which is both the cheapest option and the best option for customer service.
- 3
Added Benefits
Some companies offer added benefits as part of their plans, regardless of if you have Medicare supplemental insurance or another policy type. Some companies may offer discount incentives for certain companies/products, gym memberships, and more.
Best Medigap Plans in Florida: Bottom Line
Our top three picks for the best Medicare supplement insurance in Florida are United Healthcare Cigna and Florida Blue (Blue Cross Blue Shield). However, to find the right plan for you we recommend searching around for yourself, comparing company reputations, benefits and pricing.
Medicare Supplement Plans Florida: FAQ
Below we've provided our team's expert answers to frequently asked questions about Medicare supplement plans in Florida:
What is the best Medicare supplement provider in Florida?
For the most popular Medigap plan in Florida, the best provider is UnitedHealthcare. The provider offers pricing that is 11% lower than the state average making them the most affordable company in the state.
What is the cost of Medicare supplement plans in Florida?
Depending on your plan selection, pricing for Medicare supplement plans can range anywhere from $1,187 to $5,120 per year. For the most popular plan in the state, plan G, average costs can range anywhere from $3,071 to $4,840 per year.
How We Decided The Best Medicare Supplement Companies in Florida
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. We assumed Medicare supplement plan G which is the most popular plan nationwide to determine the best and most affordable provider.
About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.