The Best Florida Medicare Supplement Plans (2022)

A Medicare Supplement (or Medigap) plan is an insurance policy offered by private companies to replace an Original Medicate policy. There are 10 types of Medicare Supplement plans in Florida, with UnitedHealthcare ranked as the best provider across the most popular plans (F, G and N). However, keep in mind that a Medigap and Medicare Advantage plan cannot be purchased at the same time, as a Medicare Advantage Plan in Florida will replace your entire Medicare plan.

Advertising & Editorial Disclosure
Last Updated: 9/14/2022
Written By     |  

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.

iconribbonBestMedigapFlorida2022

Best Medicare Supplement Plans in Florida

Best Medicare Supplement Plan G in Florida

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.

mglogo
MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $265.92

Plan G from UnitedHealthcare costs an average of $265.92 a month — $57.38 less than the state average cost. Beyond being affordable, the company also offers benefits for policyholders that are not commonly found amongst competitors, including dental, vision and hearing care discounts.

UnitedHealthcare also has a SELECT Plan G policy available. This is a more affordable version, which costs an average of $245.92 per month, but it often comes with more restrictive provider networks.

MORE ABOUT PLAN G IN FLORIDA

Navigate to learn more about Medigap Plan G in Florida, including how much it costs on average, which providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Florida

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.

Sort by Age:

65

Scroll for more

swipe icon
  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $256
  • Blue Cross Blue Shield of Florida
    $319
  • Cigna
    $328

Providers Offering Plan G in Florida

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.

Providers Offering Plan G in Florida

Scroll for more

swipe icon
  • Company
    Contact Number
    Pricing Style
  • The IHC Group
    1-866-951-0679
    Attained Age
  • Royal Arcanum
    1-888-272-2686
    Attained Age
  • UnitedHealthcare
    1-888-378-0849
    Issue-Age Pricing
  • Aetna
    800-358-8749
    Issue-Age Pricing
  • Liberty Bankers
    1-833-504-0331
    Issue-Age Pricing
  • Atlantic Coast Life
    1-844-442-3847
    Issue-Age Pricing
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Issue-Age Pricing
  • Cigna
    1-855-891-9368
    Issue-Age Pricing

What Does Plan G Cover?

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.

Required Benefits of Plan G in Florida
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Florida

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.

mglogo
MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $429.23

While MoneyGeek ranks UnitedHealthcare’s Plan F as the best in Florida, it is not the most affordable. Compared to the state average cost of $357.90 per month for Plan F, UnitedHealthcare’s average rate is $71.33 higher.

Despite this, UnitedHealthcare’s offer comes with many benefits competitors may not offer. They include a free membership to a gym in your area and discounts for dental, vision and hearing care. UnitedHealthcare even offers access to a 24/7 nurse line and foreign travel emergency services.

MORE ABOUT PLAN F IN FLORIDA

Navigate to learn more about Medigap Plan F in Florida, including how much it costs on average, which providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Florida

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.

Sort by Age:

75

Scroll for more

swipe icon
  • Company
    Sample Monthly Rate
  • Cigna
    $300
  • Blue Cross Blue Shield of Florida
    $403
  • UnitedHealthcare
    $429

Providers Offering Plan F in Florida

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.

Providers Offering Plan F in Florida

Scroll for more

swipe icon
  • Company
    Contact Number
    Pricing Style
  • The IHC Group
    1-866-951-0679
    Attained Age
  • Royal Arcanum
    1-888-272-2686
    Attained Age
  • UnitedHealthcare
    1-888-378-0849
    Issue-Age Pricing
  • Aetna
    800-358-8749
    Issue-Age Pricing
  • Liberty Bankers
    1-833-504-0331
    Issue-Age Pricing
  • Atlantic Coast Life
    1-844-442-3847
    Issue-Age Pricing
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Issue-Age Pricing
  • Cigna
    1-855-891-9368
    Issue-Age Pricing

What Does Plan F Cover?

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.

Required Benefits of Plan F in Florida
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Florida

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.

mglogo
MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $218.32

UnitedHealthcare charges an average of $218.32 per month for Medigap Plan N in Florida, which is $50.78 less than the state’s average cost. The company also offers a SELECT plan, which has a more restrictive network but offers lower premiums at an average of $201.89 per month.

In addition to being affordable, UnitedHealthcare also offers other benefits with their Medicare Supplement plans. For instance, they offer a free membership to a gym in your local area, a 24/7 nursing line, foreign travel emergency coverage and discounts for dental, vision and hearing care. These are not often found amongst competitors, making UnitedHealthcare a great bargain for those looking for both the best and most affordable Plan N provider in Florida.

MORE ABOUT PLAN N IN FLORIDA

Navigate to learn more about Medigap Plan N in Florida, including how much it costs on average, which providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Florida

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.

Sort by Age:

65

Scroll for more

swipe icon
  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $210
  • Cigna
    $234
  • Blue Cross Blue Shield of Florida
    $259

Providers Offering Plan N in Florida

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.

Providers Offering Plan N in Florida

Scroll for more

swipe icon
  • Company
    Contact Number
    Pricing Style
  • The IHC Group
    1-866-951-0679
    Attained Age
  • Royal Arcanum
    1-888-272-2686
    Attained Age
  • UnitedHealthcare
    1-888-378-0849
    Issue-Age Pricing
  • Aetna
    800-358-8749
    Issue-Age Pricing
  • Liberty Bankers
    1-833-504-0331
    Issue-Age Pricing
  • Atlantic Coast Life
    1-844-442-3847
    Issue-Age Pricing
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Issue-Age Pricing
  • Cigna
    1-855-891-9368
    Issue-Age Pricing

What Does Plan N Cover?

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.

Required Benefits of Plan N in Florida
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Florida: Other Plan Types

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.

The Best Medicare Supplement in Florida - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $220.42

  • B

    UnitedHealthcare

    $266.99

  • C

    UnitedHealthcare

    $426.67

  • D

    Blue Cross Blue Shield of Florida

    $285.40

  • F

    UnitedHealthcare

    $429.23

  • G

    UnitedHealthcare

    $265.92

  • K

    UnitedHealthcare

    $92.64

  • L

    Blue Cross Blue Shield of Florida

    $179.50

  • M

    Blue Cross Blue Shield of Florida

    $264.50

  • N

    UnitedHealthcare

    $218.32

How to Find the Best Medicare Supplement Plans in Florida

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.

Florida Medicare Supplement Plans Comparison Chart

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.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Florida

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.
Average Cost of Medicare Supplement in Florida

Sort by Plan Letter:

65

Scroll for more

swipe icon
  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $220
  • Blue Cross Blue Shield of Florida
    $225
  • Cigna
    $249

FAQs About Medicare Supplement Plans in Florida

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

Methodology

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%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.