Medicare Supplement Plans in Florida

Mike Olmos by Mike Olmos | Licensed since 2010
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This article was updated on: 09/16/2018

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If you’re new to Medicare in Florida, you may have heard of Medicare Supplement plans. Also known as Medigap, Medicare Supplement coverage fills certain “gaps” in Original Medicare and may cover some out-of-pocket costs.

Here’s an overview of how Medicare Supplement (Medigap) plans in Florida work.

Am I eligible for Medicare Supplement plans in Florida?

To be eligible for Medicare Supplement plans, you must be enrolled in Original Medicare, Part A and Part B.

In most states, including Florida, the best time to enroll in a Medicare Supplement plan is usually during your Medigap Open Enrollment Period, which is a six-month period that starts when you’re 65 and enrolled in Part B. You typically have guaranteed-issue rights during this time, meaning private insurance companies that sell Medicare Supplement plans can’t deny you coverage or charge you more because of pre-existing conditions. However, there still might be a waiting period of up to 6 months before coverage of your medical condition begins.

In Florida, you may be able to buy a Medicare Supplement plan with guaranteed issue if your employer-based health coverage ends; you must enroll within two months of your employer insurance ending.

If you apply for a Medicare Supplement plan in Florida outside of any period when you might have guaranteed-issue rights, insurance companies are allowed to evaluate your health and don’t have to accept your application. Medicare Supplement plans may also tend to cost more if you enroll outside of your Medicare Supplement Open Enrollment Period and have health issues.

Some people may qualify for Medicare early (before age 65) through disability or having certain health conditions. Although state laws vary, Florida requires Medigap insurance companies to sell at least one type of Medicare Supplement plan to Medicare beneficiaries under 65. If you’re a Florida beneficiaries under 65, you’ll typically get a separate Medigap Open Enrollment Period that starts once you’re eligible for Medicare. Take a look at this article for more information on getting Florida’s Medicare Supplement plans if you’re under 65.

What may Medicare Supplement plans in Florida cover?

Most states, including Florida, offer up to 10 standardized Medicare Supplement plans (each labeled with a different letter from A through N). So, all of Florida’s Medicare Supplement plans of the same letter type have the same standard benefits, regardless of which county you live in or which company you got the policy from. Some Medicare Supplement plans might also include other benefits.

Medicare Supplement plans vary in coverage from one lettered plan to another.  Benefits may include cost sharing, overseas emergency health coverage, and more. To view different Medicare Supplement plans side by side, look at this comparison chart.

While pricing methods usually vary by company, please note that all of Florida’s Medicare Supplement plans are “issue-age”-rated, meaning that your premium is based on your age when you enrolled and won’t go up as you get older. However, if you change Medicare Supplement plans, the insurance company will base the premium on your current age when you enroll in the new plan.

How can I find Medicare Supplement plans in Florida?

Medicare.com’s Medigap plan finder tool makes it easy to find Medicare Supplement plans in Florida that might fit your specific needs and situation.

You can also learn about other types of Medicare coverage in Florida, including Medicare Advantage plans and Medicare Part D prescription drug coverage.

Need help finding Medicare Supplement plans in Florida? You have a few options. Use the links below to set up a phone call or get an email from me with plan information. To browse on your own, click the Compare Plans button.

The product and service descriptions, if any, provided on these Medicare.com Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

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