Florida Medicare supplement insurance is available to everyone with Medicare in the state. This means that even people under 65 on Medicare can enroll in a Medicare supplement. Medigap plans in Florida can be more expensive if you are under 65 than for those who are 65 or older. However, you still have the option to enroll in one if you can afford the premium.
Also, Florida is one of the most expensive Medigap states. Because of the higher percentage of seniors in the state, insurance carriers have to charge higher premiums to be able to afford to pay for your coverage.
Fortunately, there are a ton of Medigap plans in Florida, so you have plenty of options to compare to find the most cost-effective plan.
Best Medigap Plans in Florida
Also called Medicare supplement plans, Medigap plans are standardized in Florida. There are 10 plans available. This makes it easy to compare prices.
You must be enrolled in Parts A and B to enroll in a Florida Medigap plan. Everyone has a 6-month open enrollment window that begins with their Part B effective date. You can join any Medigap plan during this period without any health questions.
Many major well-known carriers offer Medigap plans in Florida. This includes Aetna, Mutual of Omaha, and United Healthcare, among others. Our agency works with all of these carriers. We can help you compare plans and prices.
In recent years, Medicare Supplement Plans F, G, and N have been very popular. They are considered among the best Medicare supplement plans in Florida.
Florida Medicare Supplement Plan F
Medicare Plan F is popular because it covers all the gaps. Some people refer to it as the Cadillac plan. When you have Plan F or any other Medigap plan, you can see any doctor who accepts Medicare, no matter the carrier you have it through.
If you like first-dollar coverage, a Medicare Supplement Plan F is a good choice. Medicare will pay its share, and then your Medicare supplement carrier will cover the rest. This leaves nothing for you to pay.
It’s important to note that Medicare Supplement Plan F will not be available after 2020. People already enrolled in Plan F can keep it. However, new enrollees in 2020 and beyond will not be able to purchase it.
For this reason, Medicare Supplement Plan G has been gaining in popularity. We consider it one of the best Florida Medicare supplements plans.
Medicare Supplement Plan G
Medicare Supplement Plan G is similar to Plan F except you agree to pay the Part B deductible. After that, the plan works just like Plan F. Plan G can sometimes be a better value because of lower premiums. Just do the math.
For example, if you can get Plan G for $150/month and Plan F for $200/month, then Plan G is more cost-effective, even with having to pay the Part B deductible.
Our agents are familiar with Florida Medicare insurance plans. We can use our quoting software to provide you rates. Our reports also list each company’s financial ratings and a history of increases. This helps to identify which plans are most cost-effective.
Choosing Medigap plans in Florida can be overwhelming because there are so many choices. Learn the differences between Medicare supplements and Medicare Advantage plans before you enroll. The two types of coverage work differently.
Best Medicare Advantage Plans in Florida
Florida has more Medicare Advantage plans available than many other states. That’s because the state attracts more retirees than other states.
Medicare Advantage plans are private insurance policies which deliver your Medicare benefits instead of Medicare. You must be enrolled in both Medicare Parts A and B before you can join a plan. You must also live in the plan’s service area.
Most plans have HMO or PPO networks from which you will get your care. When reviewing Medicare Advantage plans in Florida, be sure you choose a plan that your doctor accepts.
Medicare Advantage plans in Florida have excellent benefits. Many Advantage plans include Part D. A lot of plans also offer “extras” such as dental and vision benefits or gym memberships.
Our agency can help you run a list of Medicare Advantage plans in Florida that have the best ratings.
Be aware that some Medicare Advantage HMO plans will require you to choose a primary care physician. You may need to see this doctor for a referral if you need to see a specialist.
While Medicare Advantage plans are usually less expensive per month than Medigap plans, you can pay more throughout the year. Medicare Advantage plans have copays and coinsurances much like your employer health plan likely did.
How to Apply for Medicare in Florida
You will apply for Medicare Parts A and B via Social Security. You can go in person to the local Social Security office if you like. The SSA also offers convenient online applications.
You can apply for Medicare as early as 3 months before your 65th birthday. Your enrollment window ends 3 months after your birthday month. If you miss this window and do not have other creditable coverage, you may owe a late penalty.
Some Florida residents may qualify for Medicare early due to disability. Medicare will automatically enroll you into Parts A and B upon the 24th month of your disability income. People with Lou Gehrig’s disease can qualify for Medicare immediately. Benefits will start the same month that your disability benefits begin.
Choosing the Right Medicare Plan
Call us to compare rates for the best Florida Medicare supplements plans. We’ll provide the information you need to make an informed decision.
Click the link below to request quotes for Medigap plans in Florida. You can also call us to find out your options for Medicare Advantage plans in your county.