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Medicare Supplement Insurance Plans in Florida

Medicare Supplement Insurance plans in Florida, sometimes called Medigap plans, cover some of the costs that original Medicare either does not cover or does not fully cover. Private insurers offer these policies, and they do come with monthly premiums like other types of health insurance. Premiums may depend upon where you live, your age, and the level of coverage that you choose.

Levels of Medicare Supplement Insurance Plans In Florida

All of your choices offer the same basic benefits, but they may not all provide coverage at 100 percent. The following table comes from information on

Quick Comparison Table

Medigap Plans Medigap Plans

Plan a

plan B

plan C

plan D

plan F

plan G

plan K

Plan L

Plan M

plan N

Part A coinsurance 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 coinsurance or copayment

Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes

First three pints of blood

Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes

Part A hospice care coinsurance or copayment

Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes

Skilled nursing facility care coinsurance

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 charges

No No No No Yes Yes No No No No

Foreign travel exchange

No No Yes Yes Yes Yes No No Yes Yes

Out-of-pocket limit

NA NA NA NA NA NA  $4,940  $2,470 NA NA

Differences in Selected Medicare Supplement Insurance Plans in Florida

Also, note that Medicare Supplement plan F comes with an additional high-deductible option. Since it already covers most health services, some Medicare beneficiaries may choose this option to reduce premiums. With this option, beneficiaries have to pay the first $2,140 before their Medigap plan pays anything.

Additionally, Plan K, L, and Plan N are usually the cheapest options but are also less comprehensive. Two of these come with yearly out-of-pocket maximums, so they still limit the risk that Medicare recipients would have to pay huge medical bills in any one year.

Also, original Medicare rarely covers any medical services outside of the United States. Some plans provide coverage for limited medical services in foreign countries. This still might not replace travel insurance for people who spend time overseas on business or for recreational trips.

These are different than Medicare supplemental plans in Florida, but they also provide good ways to help control health costs and ensure access to the right doctors and hospitals.

Difference between MA and Medicare Supplement Insurance Plans in Florida:

  • Medicare Supplement Insurance plans work with the two parts of original Medicare to enhance it.
  • Medicare Advantage replaces original Medicare with another policy.
  • Both MA and Medigap plan members are still beneficiaries and are protected by strict federal and state laws.

Florida Blue is one of the top rated insurers in the state, and they provide both MA and Medicare Supplement Insurance plans in Florida. This company uses to be called Blue Cross and Blue Shield of Florida, and they are part of the national Blue Cross and Blue Shield system. This system evolved from the oldest health insurance company in the United States.

Instead of paying premiums for a Medicare Supplement Insurance plan in Florida, some seniors may choose to enroll in $0 additional premium HMOs or modestly priced PPOs. With HMOs, most medical services need to come from network providers. Even with these, however, hidden costs for in-network services will encourage most members to use plan doctors more often than not. You have to pay more for out-of-network providers even if the services still get covered.

Which is the Right Medicare Supplement Insurance Plan in Florida for You?

There is not one right health plan for everybody who gets Medicare. Your choice may depend upon the premiums on the policies, where you live, doctors and hospitals in your area, and your personal preferences for how you like to access health services. Sometimes you may have to choose between paying more for monthly premiums and being able to predict your health costs during the entire year. However, the maximum out-of-pocket limits on some cheaper senior health policies can keep you from having to pay large co-insurance costs.

We Can Help You Find The Best Medicare Supplement Insurance Plans in Florida

Our experienced Medicare Supplement Insurance plan agents are standing by to take your calls. Please feel free to pick up the phone and call us if you have any questions or need help filling out enrollment forms. We hope to offer the right personal service, so each Medicare beneficiary can make the best choice.