Best Medicare Supplement Plans in Florida

Aflac provides the most competitive rates for Medicare Supplement plans in the state of Florida.

Aflac offers the best rate for Plan G at $193.36 per month for a 66 year-old-male in Orange County, while Plan N is just $129.53 monthly for a 66 year-old-female in Escambia County.

After reviewing Aflac’s Medicare Supplement insurance, we found several significant advantages. In Florida, Aflac’s premiums are, on average, 7.6% lower, and their claims process is highly efficient. Additionally, Aflac offers up to 7% household premium discounts.

Customers have given positive feedback about Aflac, which offers four Medigap plans in Florida, add-on dental insurance, and various other policy options.

Florida Medigap facts:

A study conducted by AHIP.ORG shows a total of 925,872 residents in Florida have enrolled in Medicare Supplement (Medigap) coverage. The number of individuals opting for Medigap Plan G has exceeded 134,682 and continues to rise, given that Plan F is no longer available for new Medicare beneficiaries. Additionally, Medigap Plan N has attracted over 89,828 participants in Florida.

Best Plan G Rates: Aflac

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Cheapest Plan G Cost in Florida (Orange County):
Female Ages:

65:  $174.99

70: $185.24

75: $210.61

Male Ages:

65:  $193.36

70:  $204.69

75:  $232.72

Plan G Overview:

Aflac’s Medigap Plan G offers a range of benefits, including coverage for Part B excess charges, Medicare Part A deductible, foreign travel, emergency care, and Part B coinsurance.

What sets this plan apart is the freedom it provides: no referrals are needed, and there are no networks that limit your choice of providers. You can use any medical provider if they participate in the Original Medicare network.

Aflac also offers a stand-alone dental plan that can be purchased for an additional premium.

Cheapest Plan N Rates: Aflac

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Average Medigap Plan N Cost in Florida (Escambia County):
Female Ages:

65:  $127.31

70:  $143.24

75:  $163.92

Male Ages:

65:  $140.67

70:  $158.28

75:  $181.13

Plan N Overview:

Aflac’s Medigap Plan N allows you to choose any doctor who accepts Original Medicare. The critical distinction between Plan G and Plan N lies in the copays for specific office and emergency room visits.

With Plan N, you’ll have a $25 copay for office visits and a $50 copay for emergency room visits, whereas Plan G has no copays.

Plan N Helps Pay the Following:
  • Original Medicare Part A and B coinsurance
  • Part A deductible
  • Emergency care

When searching for the best Medicare Supplement plan in Florida, we only considered financially stable options from well-established companies.

Newer companies may have lower rates, but these and lesser-known insurers may increase prices more frequently. Sticking with trusted brands is best to avoid additional expenses and potential issues.

What's the Best Medicare Supplement Company in Florida?

The best Medigap provider in Florida is Aflac.

Typically, Aflac offers the most competitively priced plans in Florida, making them highly sought-after in our review. It’s important to note that the top Medicare Supplement company can vary depending on the plan letter you’re interested in.

For instance, one insurer may offer a lower cost for Plan N. At the same time, another may present a more affordable Plan G. Additionally, each company has unique advantages and disadvantages based on their specific plan options.

Plan G
Plan N
Cost by CountyFinancial
Aflac Insurance Company0.03%$193.36$140.67Santa RosaA+
ACE Insurance Company0.02%$200.00$149.25LibertyA+
Allstate Health Solutions0.01%$213.48$162.43OsceolaA+
Florida Blue18.66%$214.30$176.60DuvalA
United World Health (Mutual of Omaha GRP)2.12%$220.63$160.87HillsboroughA+
Cigna Health Group1.14%$270.10$186.61Palm BeachA
Continental Life Insurance Company of Brentwood, Tennessee (Aetna).67%$362.77$250.73Miami-DadeA
Accendo (CVS and Aetna affiliate).05%$349.44$240.99BrowardA

To simplify the process of selecting an insurance company, comparing costs and policyholder satisfaction ratings is advisable to ensure you are comparing apples to apples.

How Much Does a Medigap Plan Cost in Florida?

Premiums for a Florida Medicare Supplement plan can cost as little as $77 or as much as $350, depending on your age and the level of coverage you choose.

Medigap PlanMonthly CostCost by CountyEnrollment in Florida
Plan F$244.95Pinellas57%
Plan G$193.36Lee14%
Plan N$140.67Polk10%
High Deductible G$77.10Brevard3%
Plan A$168.47Sarasota0.71%

What Is the Difference Between Medicare Advantage and a Medicare Supplement?

Medicare Advantage Plans (Part C) and Medicare Supplements (Medigap) are options to enhance your Original Medicare coverage, but they function differently. Medicare Advantage Plans are an alternative to Original Medicare, offering a bundled plan that includes Parts A, B, and D, often with added benefits like vision, hearing, and dental coverage.

These plans have a network of providers, may have lower premiums but higher out-of-pocket costs, and require referrals for specialists.

On the other hand, Medicare Supplements work in conjunction with Original Medicare, covering some or all out-of-pocket costs that Parts A and B do not cover. They offer nationwide coverage, with no need for referrals. However, they often have higher premiums and don’t usually include Part D or additional benefits.

Choosing between the two depends on the individual’s health needs, budget, and preferred style of care.

Does Age Affect Medigap Prices in Florida?

In Florida, the price of a Medigap plan is determined based on an issue-age structure, which sets it apart from other states that use community-rated or attained-age factors to calculate premiums.

Issue-aged pricing means that the cost of your Medigap plan in Florida is based on your age when you buy it. The younger you are, the less you’ll pay for your premium, which will not increase over time due to your age. This way, you can secure affordable coverage that remains stable over time.

  • Thoughts to Consider:
    • If you decide to switch to a different insurance provider, the pricing will be determined based on your age at the time of the new application.
    • Factors such as the specific benefits of the policy, your health status, and whether you smoke can also impact the price of a Medigap policy.
    • Medigap providers can adjust premiums based on inflation, claims experience, and changes to Medicare benefits.

Final Verdict

After years in the industry and helping countless people find coverage, we have come to love Aflac above the rest. Our clients who choose them often stay with them for a long time because they are simply that good.

Regarding value and enrollment speed, Aflac can’t be beaten. They also have an excellent track record for paying claims quickly.

Ready to Learn More?

Choosing the right Medicare plan is a big decision that deserves careful thought. That’s where Policy Guide comes in. Our team of skilled agents will help you evaluate different health plans and quotes, ensuring you make an informed choice that’s perfect for you. We’ll be there every step of the way, ensuring your plan fits your needs like a glove. Let us guide you through this process and find the best plan together.

Article Sources:  AflacFL Shine Program  |  Medigap CostsCompare Medigap Plans |  FL AHIP

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Mark Prip

Since 2003, Mark Prip has been leading  Policy Guide, Inc., providing knowledgeable information about Medicare, life insurance, and dental coverage to clients in over forty states. With his unparalleled hands-on experience aiding countless Medicare beneficiaries in selecting an appropriate health plan, he is a prime example amongst other competitors for expertise and assistance. Mark has held his Florida Health & Life Insurance License (E051889) since 2003. View his license profile on the Florida Department of Insurance website.