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Medicare Supplement Insurance Plans in Florida

Florida Medicare Supplement Comparison

Medicare Supplement Plans in Florida

If you are a beneficiary enrolled in Medicare Part A and Part B, you can choose between 10 Medicare Supplement plans in Florida. Known as "Medigap" plans, you are eligible to apply for a Medicare Supplement insurance plan in Florida after you sign up for Medicare Part A and B.

If you choose one of the best Medicare Supplement plans in Florida for 2023, you will have additional health insurance coverage for some typical expenses that traditional Medicare does not cover. Plus, Medigap health plans in Florida pay for additional Part B expenses. If you are a frequent traveler to foreign countries, the Medigap plans in Florida pay for emergency medical expenses.

If you need to stay in a skilled nursing facility for more than 100 days, your Medigap policy covers most of the additional rates Medicare does not cover. Furthermore, Medicare Supplement insurance plans pay for home health care services, coinsurance rates charged by Medicare, Part B excess charges and even the deductibles. These additional benefits apply as long as you are enrolled in Medicare Part A and B.

If you have Original Medicare in Florida, you are not automatically covered for Medicare Part D. If you want prescription coverage, you will need to sign up for one of the Medicare Part D drug plans. You can choose a prescription drug plan that matches your requirements.

Medicare Supplement insurance plans in Florida offer the following additional medical expenses that are not covered by traditional Medicare insurance:

  • Part A deductible
  • Part B deductible
  • Emergency medical requirements while traveling abroad
  • Part B additional charges
  • Original Medicare coinsurance rates
  • Home health care assistance
  • A lengthy stay in a skilled nursing facility

The best Medicare Supplement plan in Florida also pays for hospice care co-payments and the first three pints of blood for needed transfusions.

When trying to compare the best Medicare Supplement plan in Florida offering the best rates, it is useful to know that every Medicare insurance , including Blue Cross Blue Shield offers the same coverage. An insurance company does not offer Supplement plans that differ from those offered by another agency. Plus, the benefits for Medicare Supplement insurance plans in Florida are identical. The best Medicare Supplement plan in Florida depends on your personal medical needs and expected costs.

The best Medicare Supplement plans in Florida start with different letters of the alphabet. Medigap policies use different letters for each Medigap plan. In Florida, residents need to pay regular premiums for Part A and Part B. If you also wish to have Medigap coverage, you must pay an additional monthly premium.

Even though the coverage on all Medigap plans in Florida is identical, each insurance company is allowed to charge a different rate for the same coverage. Consequently, you may want to do some research to make sure you choose an insurance company offering an affordable rate.

Note that Medicare Supplement plans in Florida do not offer coverage for preexisting medical conditions. Pay special attention to every detail mentioned in a Florida Medigap policy if you have been previously diagnosed with a medical condition. Otherwise, you may end up paying additional rates for worthless coverage. Since each Florida insurance is different, make sure you understand your coverage ahead of time.

Medicare Supplement Plans in Florida: Enrollment Statistics

Here are the top five largest counties in Florida:

  1. Miami-Dade County Population: 2,702,602
  2. Broward County Population: 1,890,416
  3. Palm Beach County: Population: 1,426,772
  4. Hillsborough County Population: 1,351,087
  5. Orange County Population: 1,290,216

In 2017, more than 2.4 million Florida residents were enrolled in Part A, Part B or both Parts A and B. In 2015, 787,681 Florida residents had Medigap policies. Out of these 787,681 Florida residents, 415,156 people were enrolled in Medicare Plan F. So, approximately 33 percent of Medicare beneficiaries in Florida had Medigap policies in 2017.

How Many Medicare Supplement Plans are Available in Florida for 2023?

In Florida, you can choose from 10 Medigap policies. These standardized Medicare Supplement insurance plans in Florida are offered by private insurance agencies. Although Medicare Plan F is the most popular Supplement plan in Florida, you still have nine other options.

Medicare Supplement Plans in Florida: When Can I Enroll?

You are not permitted to have a Medigap plan in Florida until you are enrolled in Part B. You can sign up for one of the Medigap plans in Florida during Medicare's Initial Enrollment Period. Medicare insurance companies are not allowed to disqualify people who sign up during the six-month Medigap Open Enrollment Period. If you wait too long after signing up for Part A and Part B, a preexisting medical condition can prevent you from qualifying.

Medicare Supplement Plan F in Florida Covers:

    Overview of Medicare Supplement Plan F benefits in Florida:

  • Part A hospital co-payments
  • Additional hospital costs extending up to 365 days after Part A Benefits expire
  • Coinsurance costs for Part A hospice care
  • Part A deductible
  • Medicare Part B deductible
  • Part B co-pay cost for a preventive office visit
  • Part B coinsurance costs
  • Part B additional charges
  • First three pints of blood during a medical procedure
  • Co-payments for an extended stay in a skilled nursing facility
  • Limited costs covering medical emergencies in a foreign country

Medicare Supplement Plan G in Florida Covers:

    Medicare Supplement Plan G in Florida covers all tha same benefits as Plan F, with a few minor differances below.

  • Part B deductible is NOT covered on Plan G
  • Medigap Plan G is the fastest growing of the Medicare Supplement plans.
  • Usually has lower premiums than Medicare Part F, making up for the cost of the Medicare Part B deductible in most cases.
  • Even though Medigap Plan F is being phased out for new Medicare enrollees, Medigap Plan G will still be available.

Medicare Supplement Plan N in Florida Covers:

    Medigap Plan N in Florida does not cover the Part B deductible or Part B excess charges. If you have Medicare Supplement Plan N, you must pay a $20 co-pay for office visits. You also need to pay a $50 co-pay for an emergency room visit.

    Florida Medicare Resources

    Here is a link offering additional information if you want to compare Medigap policies in Florida:

    You can start your Florida Bluecom Medicare Supplement quote by calling us at 888-414-4547 or use the quote form at the top of this page to get started.