What Are the Best Medicare Supplement Plans in Florida?
Florida Blue has the best overall Medicare Supplement plans in Florida, including the best Medigap Plan G.
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Best and cheapest Medicare Supplement in Florida
What's the best Medicare Supplement company in Florida?
Florida Blue, AARP/UnitedHealthcare and State Farm are the best Medicare Supplement companies in Florida.
Company |
Customer satisfaction
| Monthly cost of Plan G | |
|---|---|---|---|
| Florida Blue | 5.0 | $240 |
| AARP/ UHC | 4.0 | $219 |
| State Farm | 4.0 | $220 |
| Physicians Mutual | 4.0 | $245 |
| USAA | 4.0 | $259 |
Rates based on a 65-year-old female nonsmoker buying Medigap Plan G during the initial Medigap Open Enrollment period.
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- Florida Blue is the best overall choice for Medicare Supplement (Medigap) plans in Florida because of its high customer satisfaction and ability to lock in your rates and avoid price increases because of your age.
- AARP/UnitedHealthcare is a great overall choice, with satisfied customers and lots of included extras such as a gym membership, 24/7 nurse line, and discounts on hearing, dental and vision. The downside is that rates can increase quickly as you age.
- State Farm is the best choice for budget-friendly Plan N. Rates are cheap when you buy a policy at age 65 and they stay cheaper than average as you age, making it affordable throughout your senior years.
- Physician's Mutual is also one of the best companies because of a unique perk that allows you to improve your coverage in three years , from high-deductible Plan G to regular Plan G. This is a great choice if you're healthy now and want to plan ahead for when you need more medical care in the future. Plus, Physicians Mutual has a 10% household discount and slow rate increases as you age.
- USAA can be a good choice in some cases if you or your family served in the military. Its Medigap Plan G is 11% more expensive than average. But you can simplify your bills by bundling with USAA's home and auto insurance.
Company |
Customer satisfaction
| Monthly cost of Plan G |
|---|---|---|
| Wellcare | 5.0 | $219 |
| Everence Association | 5.0 | $220 |
| American Home Life Insurance | 5.0 | $220 |
| Mutual of Omaha | 5.0 | $239 |
| Royal Arcanum | 5.0 | $224 |
Rates based on a 65-year-old female nonsmoker buying Medigap Plan G during the initial Medigap Open Enrollment period.
- Wellcare has cheap Medigap plans and good customer service. But it's not currently advertising Florida Medigap plans on its website so it may be difficult to get coverage.
- Mutual of Omaha is a good choice because it includes extra perks for hearing and vision care. But you could get stuck in a plan that gets very expensive as you age because it has a reputation for a business practice called "closing its books."
- Smaller insurance companies can sometimes be risky because there's a chance that rates can be volatile when a company has fewer customers. Small or growing Medicare Supplement companies in Florida include American Home Life Insurance, Everence, Royal Arcanum, Federal Life, LifeShield, Woodmen Life and Liberty Bankers.
- Companies with inconsistent customer satisfaction require caution. The company may look good this year, but you could have problems in future years. In Florida, these companies include GPM, Aflac and Wisconsin Physicians Service.
Florida Medigap companies with unsatisfied customers
Large Medicare Supplement companies with poor customer satisfaction in Florida include Cigna, Humana, Allstate, Ace (Chubb) and Globe Life. Because they have a high rate of complaints, you're more likely to have problems getting your medical bills paid.
Medicare Supplement companies that aren't a good deal
Company |
Customer satisfaction
| Monthly cost of Plan G |
|---|---|---|
| Washington National | 5.0 | $230 |
| Wellable (Medico) | 5.0 | $260 |
| MedMutual | 5.0 | $270 |
| Aetna | 5.0 | $275 |
Rates based on a 65-year-old female nonsmoker buying Medigap Plan G during the initial Medigap Open Enrollment period.
Washington National has rates that increase quickly as you age. At age 80, the average cost of Plan G is $475 per month so you'll pay twice as much at 80 as when you bought the plan at age 65.
Florida Medigap plans are expensive from Medico (Wellable), MedMutual and Aetna. At age 65, you'd be paying about $30 to $45 more per month than average
Which Medigap plan should you choose?
- Plan G is the best coverage for new enrollees. It pays for nearly all of your medical costs except for the $257 Medicare Part B deductible.
- Plan F is the most popular Medicare Supplement plan in Florida, making up more than half of all active plans in the state. It has great coverage. However, it's not available to new enrollees , and often isn't as good of a deal as Plan G .
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Plan N is the best choice for affordable coverage. You'll save about $53 per month compared to Plan G, which adds up to about $636 per year. The tradeoff is that you'll have extra medical costs, such as a $20 fee for some doctor visits.
Best overall: Florida Blue
| Editor rating | |
| Customer service |
Plan |
Rate
| Is it cheap? |
|---|---|---|
| Plan F | $273 | 2% less than avg. |
| Plan G | $240 | 3% more than avg. |
| Plan N | $198 | 10% more than avg. |
| Plan K | $84 | 10% less than avg. |
Florida Blue Medicare Supplement plans give you good coverage that can help you save money in the long run.
Best for extra perks: AARP/UnitedHealthcare (AARP/UHC)
| Editor rating | |
| Customer service |
Plan |
Rate
| Is it cheap? |
|---|---|---|
| Plan G at age 65 | $219 | 6% cheaper than avg. |
| Plan G at age 80 | $351 | 8% more than avg. |
AARP/UnitedHealthcare Medicare Supplement plans have low rates at age 65, good customer satisfaction and helpful perks.
Best affordable coverage with Plan N: State Farm
| Editor rating | |
| Customer service |
Plan |
Rate
| Is it cheap? |
|---|---|---|
| Plan F | $292 | 5% more than avg. |
| Plan G | $220 | 6% less than avg. |
| Plan N | $169 | 6% less than avg. |
State Farm Plan N is the best affordable Medicare Supplement Plan in Florida, making it a great choice if you're on a budget.
How much does a Medigap plan cost in Florida?
The average cost of Medicare Supplement in Florida at age 65 is between $180 and $279 per month, based on the most popular plans.
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The best way to save on a Medicare Supplement plan is to sign up when you are first eligible. During your initial enrollment period, health insurance companies can't use your health history to charge you higher rates. They also can't deny your application to get coverage.
Florida Medicare Supplement plan costs
Medigap plan | Monthly cost | Percentage of FL enrollment |
|---|---|---|
| F | $279 | 54% |
| G | $233 | 19% |
| N | $180 | 10% |
Popular Medicare Supplement plans in Florida
- Plan F costs an average of $279 per month in Florida, making it one of the most expensive Medicare Supplement plans. But it also has the best coverage. More than half of all Medigap plans in FL are Plan F. However, Plan F is only available if you were eligible for Medicare prior to 2020.
- Plan G costs an average of $233 per month in Florida, and its coverage is almost as good as Plan F. Plan G is available to everyone eligible for Medicare, and it's the second most popular option in Florida.
- Plan N costs an average of $180 per month in Florida, making it a good way to save money and still get extensive coverage. Plan N makes up around 10% of Florida's Medicare Supplement plans. Its coverage is almost as good as Plan G, but you will pay more for your medical care, including copays when you go to the doctor.
Medigap vs. Medicare Advantage in Florida
In Florida, 60% of Medicare recipients buy a Florida Medicare Advantage plan, making it a more popular choice than Medigap. Both options can be good, but it's important to know the difference so you can choose the best plan for you.
Medicare Advantage plans bundle Medicare Parts A and B together. They usually include prescription drug coverage and come with extra perks, like dental, vision and hearing coverage. Most people in Florida who are on Medicare have a Medicare Advantage plan.
Medigap plans are supplemental insurance plans that help pay your medical costs after Original Medicare. has paid its share. Medigap plans aren't as popular as Medicare Advantage plans in Florida, but they pay for a larger share of your health care bills. This helps you avoid unpredictable medical expenses as you get older and your needs change.
You can't be enrolled in a bundled Medicare Advantage plan and a Medigap plan at the same time. If you have complex medical needs, it's usually a better idea to buy a Medicare Supplement plan instead of a Medicare Advantage plan. It's typically more expensive each month, but you'll pay for less of your health care and usually save money overall.
Frequently asked questions
What's the best Medicare Supplement plan in Florida?
The best Medicare Supplement plan in Florida is Plan G from Florida Blue, which costs $240 per month, on average. It has great customer satisfaction, and you can lock in your rate so your costs won't go up as you age. The best affordable option is State Farm Plan N which costs an average of $169 per month at age 65.
What's the cost of a Medigap plan in Florida?
A Medicare Supplement plan in Florida usually costs between $180 and $279 per month, based on the most popular plans in the state. But your rate will depend on what plan you choose and how old you are when you buy the plan. You'll get the best rates if you sign up as soon as you are eligible for Medicare.
Are Medicare Supplement plans in Florida expensive?
Yes, Medicare Supplement is more expensive in Florida than most other states. Plan G costs an average of $233 per month in Florida which is $74 more per month than the national average of $159 per month.
Methodology and sources
The cost for Medicare Supplement plans in Florida is based on comprehensive actuarial data for all private insurers.
Unless otherwise noted, average rates are for a 65-year-old woman who does not smoke and who signed up for a Medigap plan when she was first eligible.
Our picks for the best companies are based on affordability, customer complaints, unique features and research about potential risks.
Enrollment data is based on AHIP's May 2024 report on the state of Medicare Supplement coverage and data from the National Association of Insurance Commissioners (NAIC). Additional sources include NAIC's customer complaint index, Medicare.gov and KFF's report on Medicare Advantage enrollment.
The customer satisfaction rating is a one-to-five score based on the NAIC complaint index for each company's Medicare Supplement product. Higher scores mean better customer service and fewer complaints.
Satisfaction score | Customer complaints adjusted for company size |
|---|---|
| 5.0 (top rating) | Over 75% fewer complaints than typical |
| 4.5 | 50% to 75% fewer complaints than typical |
| 4.0 | 25% to 50% fewer complaints than typical |
| 3.5 | 0% to 25% fewer complaints than typical |
| 3.0 | An average rate of complaints |
| 2.5 | 0% to 50% more complaints than typical |
| 2.0 | 50% to 100% more complaints than typical |
| 1.5 | 100% to 250% more complaints than typical |
| 1.0 | Over 250% more complaints than typical |
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Availability of benefits and plans varies by carrier and location and may be limited to certain times of the year, unless you qualify for a Special Enrollment Period. We do not offer every plan available in your area. Currently we represent 73 organizations that offer 5,110 products in your area. Contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP), to get information on all of your options.
These numbers provided are not specific to your area, but rather represent the number of organizations and the number of products available on a national basis. We will connect you with licensed insurance agents who can provide information about the number of organizations they represent and the number of products they offer in your service area. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Medicare has neither reviewed nor endorsed the information contained on this website.
Medicare supplement insurance is available to people age 65 or older enrolled in Medicare Parts A and B, and in some states to those under age 65 eligible for Medicare due to disability or end stage renal disease.
Medicare Advantage and Part D plans and benefits are offered by these carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Anthem Blue Cross, Aspire Health Plan, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, GlobalHealth, Health Care Service Corporation, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Baylor Scott & White Health Plan, Simply, UnitedHealthcare, Wellcare and WellPoint.
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