Best Medicare Supplement Plans in Florida
For 2025, Plan G stands out as the top Medicare Supplement plan in Florida, and with 15+ years of experience as a Medicare broker, I confidently recommend Florida Blue as the best provider.
It’s worth noting that Florida Blue is the best choice based on its large provider network and longevity in the Medicare market. However, it might not always offer the lowest rates for every plan type.
If you’re looking for the most competitive pricing on Medicare Supplement plans in Florida, Cigna is also worth considering.
In this article, I’ll:
- Give you an overview of Florida Blue’s key features
- Highlight some of Cigna’s affordable premiums
- Compare other popular Medigap providers based on market share and premium costs
Florida Medigap facts:
A study conducted by AHIP.ORG shows a total of 925,872 residents in Florida have enrolled in Medicare Supplement (Medigap) coverage. The number of individuals opting for Medigap Plan G has exceeded 134,682 and continues to rise, given that Plan F is no longer available for new Medicare beneficiaries. Additionally, Medigap Plan N has attracted over 89,828 participants in Florida.
Best Overall: Florida Blue
Florida Blue is definitely my top pick for a Medigap coverage provider in Florida, based on its size and longevity in the market.
With nearly 6 million members, their popular Medigap plans like Plan G, F, and N have monthly premiums from $167 to $313. Plus, they offer discounts for setting up automatic payments or paying annually.
They also include perks like the SilverSneakers fitness program, age-locked premiums (no rate increase after 65), automatic claims filing, a 30-day money-back guarantee, and discounts through the Blue365 program.
Best Plan G Rates: Cigna
65: $169.76
70: $183.70
75: $212.96
65: $190.13
70: $205.75
75: $238.52
Cigna’s Medigap Plan G offers a range of benefits, including coverage for Part B excess charges, Medicare Part A deductible, foreign travel, emergency care, and Part B coinsurance.
What sets this plan apart is the freedom it provides: no referrals are needed, and there are no networks that limit your choice of providers. You can use any medical provider if they participate in the Original Medicare network.
Additionally, Cigna provides convenient options for bundling dental, vision, or hearing coverage for an additional premium as low as $32 monthly.
Cheapest Plan N Rates: Cigna
65: $126.15
70: $136.51
75: $158.26
65: $141.29
70: $152.90
75: $177.25
Cigna’s Medigap Plan N allows you to choose any doctor who accepts Original Medicare. The critical distinction between Plan G and Plan N lies in the copays for specific office and emergency room visits.
With Plan N, you’ll have a $25 copay for office visits and a $50 copay for emergency room visits, whereas Plan G has no copays.
- Original Medicare Part A and B coinsurance
- Part A deductible
- Emergency care
Keep in mind: when searching for the best Medicare Supplement plan in Florida, we only considered financially stable options from well-established companies.
Newer companies may have lower rates, but these and lesser-known insurers may increase prices more frequently. To avoid additional expenses and potential issues, it is best to stick with trusted brands.
What's the Best Medicare Supplement Company in Florida?
The best Medigap provider in Florida is Florida Blue.
However, It’s important to note that the top Medicare Supplement company can vary depending on the plan letter you’re interested in.
For instance, one insurer may offer a lower cost for Plan N while another may present a more affordable Plan G. Additionally, each company has unique advantages and disadvantages based on its specific plan options.
Here is a breakdown of the top Medigap providers in Florida, showing how they compare in terms of market share, premium costs, and financial stability.
| Company | Market Share | Plan G Cost | Plan N Cost | Cost by County | Financial Strength |
| Florida Blue | 18.66% | $214.30 | $176.60 | Duval | A |
| Cigna | 1.14% | $190.13 | $141.29 | Baker | A |
| ACE Insurance Company | 0.02% | $218.00 | $161.25 | Liberty | A+ |
| Allstate Health Solutions | 0.01% | $219.87 | $167.31 | Osceola | A+ |
| Aflac | 0.03% | $222.22 | $161.67 | Orange | A+ |
| United World Health (Mutual of Omaha GRP) | 2.12% | $220.63 | $160.87 | Hillsborough | A+ |
| Continental Life Insurance Company of Brentwood (Aetna affiliate) | .05% | $413.58 | $275.72 | Palm Beach | A |
To simplify the process of selecting an insurance company, comparing costs and policyholder satisfaction ratings is advisable to ensure you are comparing apples to apples.
How Much Does a Medigap Plan Cost in Florida?
Premiums for a Florida Medicare Supplement plan can cost as little as $52 or as much as over $400, depending on your age and the level of coverage you choose.
| Medigap Plan | Monthly Cost | Cost by County | Enrollment in Florida | ||
| Plan F | $243.50 | Pinellas | 57% | ||
| Plan G | $190.13 | Lee | 14% | ||
| Plan N | $141.29 | Polk | 10% | ||
| High Deductible G | $52.44 | Sarasota | 3% | ||
| Plan A | $170.60 | Brevard | 0.71% | ||
What Is the Difference Between Medicare Advantage and a Medicare Supplement?
Medicare Advantage Plans (Part C) and Medicare Supplements (Medigap) are options to enhance your Original Medicare coverage, but they function differently. Medicare Advantage Plans are an alternative to Original Medicare, offering a bundled plan that includes Parts A, B, and D, often with added benefits like vision, hearing, and dental coverage.
These plans have a network of providers, may have lower premiums but higher out-of-pocket costs, and require referrals for specialists.
On the other hand, Medicare Supplements work in conjunction with Original Medicare, covering some or all out-of-pocket costs that Parts A and B do not cover. They offer nationwide coverage, with no need for referrals. However, they often have higher premiums and don’t usually include Part D or additional benefits.
Choosing between the two depends on the individual’s health needs, budget, and preferred style of care.
Does Age Affect Medigap Prices in Florida?
In Florida, the price of a Medigap plan is determined based on an issue-age structure, which sets it apart from other states that use community-rated or attained-age factors to calculate premiums.
Issue-aged pricing means that the cost of your Medigap plan in Florida is based on your age when you buy it. The younger you are, the less you’ll pay for your premium, which will not increase over time due to your age. This way, you can secure affordable coverage that remains stable over time.
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Thoughts to Consider:
- If you decide to switch to a different insurance provider, the pricing will be determined based on your age at the time of the new application.
- Factors such as the specific benefits of the policy, your health status, and whether you smoke can also impact the price of a Medigap policy.
- Medigap providers can adjust premiums based on inflation, claims experience, and changes to Medicare benefits.
Final Thoughts
After years in the industry and helping countless people find coverage, we have come to love Florida Blue above the rest. Our clients who choose them often stay with them for a long time because they are simply that good.
Regarding value and enrollment speed, Florida Blue can’t be beaten. They also have an excellent track record for paying claims quickly.
Ready to Learn More?
Choosing the right Medicare plan is a big decision that deserves careful thought. That’s where Policy Guide comes in. Our team of skilled agents will help you evaluate different health plans and quotes, ensuring you make an informed choice that’s perfect for you.
We’ll be there every step of the way, ensuring your plan fits your needs like a glove. Thanks!
Article Sources: FL Shine Program | Medigap Costs | Compare Medigap Plans | FL AHIP
Frequently Asked Questions
- Is there a Medicare Supplement plan in Florida that covers everything?
- What is the cost of Medigap Plan G in Florida?
- Who are the best Medigap providers in Florida?
