Best Medicare Supplement Plans in Florida 2025
Florida offers ten standardized Medicare Supplement plans. Standardization ensures that regardless of whether you buy a plan in Jacksonville or Tampa, the benefits remain consistent.
Of the ten options, Plan G is the best Medicare Supplement plan in Florida for 2025, followed by Plan N and High Deductible Plan G.
What’s the Most Popular Medicare Supplement Company in Florida?
A Comprehensive Guide to Medigap Plans: Florida Blue, ACE, Mutual of Omaha, Aflac, and Allstate
Medicare Supplement (Medigap) plans are designed to help cover the out-of-pocket costs that Original Medicare does not fully cover. With various providers offering Medigap plans, choosing the right one can be overwhelming. In this guide, we compare some of the most popular Medigap providers—Florida Blue, ACE Property and Casualty Insurance Company, Mutual of Omaha, Aflac, and Allstate—to help you make an informed decision.
#1. Florida Blue Medigap Plans
Florida Blue, a Blue Cross Blue Shield company, offers a unique “Same Age Forever” program, locking in premiums based on age at enrollment.
Key Benefits
- Same Age Forever Program: Avoid steep age-based premium increases.
- Strong Customer Service & Financial Stability.
- Wide Network Acceptance: No network restrictions; accepted nationwide.
- Comprehensive Plan Options: Florida Blue offers both Plan G and Plan N with competitive pricing.
Plan Breakdown
- Plan G: Covers all Medicare-approved expenses except the Part B deductible.
- Plan N: Includes copays and excludes Part B excess charges (not an issue in Florida).
Sample Monthly Premiums (Florida, 65-year-old female, nonsmoker)
- Plan G: $185
- Plan N: $140
#2. ACE Property and Casualty Insurance Medigap Plans
ACE, a subsidiary of Chubb, offers competitively priced Medigap plans in Florida with household discounts and strong financial backing.
Why Choose ACE?
- Affordable Premiums: Among the lowest for Plan G.
- No Network Restrictions: Use any Medicare-accepting provider.
- Guaranteed Renewable: Cannot be canceled as long as premiums are paid.
- Household Discounts: 7% discount for eligible enrollees.
Sample Monthly Premiums (Florida, 65-year-old female, nonsmoker)
- Plan G: ~$177
- Plan N: ~$176
#3. Mutual of Omaha Medigap Plans
Mutual of Omaha is well known for competitive pricing and strong customer service.
Why Choose Mutual of Omaha?
- Competitive Premiums: Affordable rates, especially for High-Deductible Plan G.
- Fast Claims Processing: Efficient and hassle-free.
- Household Discounts: Available in some areas.
- Outstanding Customer Service.
Plan Breakdown
- Plan G: Covers all Medicare-approved costs except the Part B deductible.
- High-Deductible Plan G: Lower premiums with a $2,870 deductible (2025).
- Plan N: Lower premiums with small copays and no Part B excess charge coverage.
Sample Monthly Premiums (Florida, 65-year-old female, nonsmoker)
- Plan G: $177
- High-Deductible Plan G: ~$55
- Plan N: ~$104
#4. Aflac Medigap Plans
Aflac, known for its supplemental insurance products, reentered the Medigap market in 2022 with a focus on affordability and flexibility.
Why Choose Aflac?
- Competitive Pricing: Slightly lower base premiums than many competitors.
- Supplemental Options: Additional coverage available, such as dental and vision insurance.
- Standard Medigap Benefits: Covers all major gaps in Original Medicare.
Plan Breakdown
- Plan G: Covers all out-of-pocket costs except the Medicare Part B deductible.
- Plan N: Includes copays ($20 for office visits, $50 for ER visits) and does not cover Part B excess charges.
Sample Monthly Premiums (Florida, 65-year-old female, nonsmoker)
- Plan G: $119
- Plan N: $90
#5. Allstate Medigap Plans
Allstate entered the Medigap market after acquiring National General, focusing on affordability and additional benefits.
Why Choose Allstate?
- Large Household Discounts: Up to 25% savings for spouses and domestic partners.
- Wellness Perks: Includes fitness benefits through the Active&Fit program.
- Guaranteed Renewable Policies: Coverage cannot be canceled as long as premiums are paid.
Plan Breakdown
- Plan G: Covers all but the Medicare Part B deductible.
- Plan N: Lower premiums but requires copayments for doctor and ER visits and does not cover Part B excess charges.
Sample Monthly Premiums (Florida, 65-year-old female, nonsmoker)
- Plan G: $127
- Plan N: $99
Recommendations
Each of these providers offers strong Medigap plans, but the best choice depends on your needs and budget.
- Best for Premium Stability: Florida Blue’s “Same Age Forever” Program—great for those who want to avoid drastic premium hikes as they age.
- Best for Affordable Pricing: ACE Medigap Plans offer some of the most competitive Plan G rates.
- Best for Budget-Friendly Option: Mutual of Omaha High-Deductible Plan G—low premiums with a high deductible safety net.
- Best for Discounts and Perks: Allstate Medigap plans for large household discounts and wellness benefits.
- Best for Lower Premiums: Aflac Medigap plans with competitive pricing.
Consulting a licensed Medicare agent can help you find the right plan for your specific needs.
Medigap Plan G vs. Medigap Plan N: Coverage and Comparison
Both Medigap Plan G and Medigap Plan N are popular Medicare Supplement (Medigap) plans that help cover out-of-pocket costs not paid by Original Medicare (Part A & B). Below is a breakdown of their coverage and differences.
Coverage: What Plan G and Plan N Cover
| Benefit | Plan G | Plan N |
|---|---|---|
| Medicare Part A Coinsurance & Hospital Costs | 100% | 100% |
| Medicare Part B Coinsurance | 100% | 100% (except small copays) |
| First 3 Pints of Blood | 100% | 100% |
| Part A Hospice Care Coinsurance | 100% | 100% |
| Skilled Nursing Facility Coinsurance | 100% | 100% |
| Medicare Part A Deductible | 100% | 100% |
| Medicare Part B Deductible | Not Covered | Not Covered |
| Medicare Part B Excess Charges | 100% | Not Covered |
| Foreign Travel Emergency (80%) | Yes | Yes |
Key Differences Between Plan G and Plan N
- Doctor Visits (Part B Coinsurance)
- Plan G: Covers 100% of Part B coinsurance (no extra costs).
- Plan N: Requires a copay of up to $20 per doctor visit.
- Emergency Room (ER) Visits
- Plan G: Covers 100% of Part B coinsurance.
- Plan N: Requires a copay of up to $50 for ER visits (waived if admitted).
- Part B Excess Charges
- Plan G: Covers 100% of excess charges (extra fees some doctors charge above Medicare’s approved amount).
- Plan N: Does NOT cover excess charges, so if a doctor does not accept Medicare assignment, you may have to pay up to 15% more.
- Monthly Premiums
- Plan G: Higher premium than Plan N.
- Plan N: Lower premium than Plan G but with small copays.
Which Plan is Best for You?
- Choose Plan G if:
- You don’t want to pay copays for doctor/ER visits.
- You want full coverage for excess charges.
- You prefer predictable healthcare costs.
- Choose Plan N if:
- You want to save on monthly premiums.
- You don’t mind copays for doctor and ER visits.
- You only see doctors who accept Medicare assignment (to avoid excess charges).
Our Thoughts
Both Plan G and Plan N provide excellent coverage and reduce out-of-pocket costs compared to Original Medicare alone. Plan G offers more complete coverage, while Plan N provides lower premiums but requires some copays and does not cover excess charges.
How Does Age Impact Medigap Pricing in Florida?
Florida implements issue-aged pricing, which means that your Medigap premium is determined by the age at which you purchase the policy. This premium remains unchanged as you get older.
Buying Medigap policies at a younger age may result in potential cost savings. This applies particularly to states like Florida, where issue-age-rated pricing has been in effect for all new Medigap plans.
As mentioned, this pricing structure ensures that premiums remain fixed regardless of the individual’s age at the time of purchase or renewal.
Acknowledging that Medigap providers can modify premiums in response to inflation and other factors is crucial.
Ready for Next Steps?
If you’re interested in gaining a deeper understanding of the benefits each Medigap plan offers, take a look at our handy Medicare Supplement Plans Comparison Chart.
Our expertise lies in guiding individuals through their Medicare insurance choices. We have established partnerships with leading Medigap carriers nationwide, guaranteeing exceptional service throughout the process.
Give us a call today or request a quote online.
Frequently Asked Questions:
The average cost of a Florida Medigap plan can range from $46 to $300 per month. This depends on factors such as age, gender, health status, and the type of coverage you choose.
Plan G is one of Florida’s best Medicare Supplement plan options. It offers a wide range of coverage, including coinsurance and copayments.
Plan G can range from $131 to $207 monthly in Florida, though actual premiums may vary by county and age.
Article Resources:
- Types of Medigap Plans
- How Much Do Medigap Plans Cost?
- When Can I Apply for a Medicare Supplement Plan?
- How Do I Enroll in a Medigap Plan?
- When Can I Change Medigap Plans?
- Can I Be Denied Medigap Coverage?
- CMS Medicare Services
- Florida Department of Elder Affairs
Disclaimer:
Average quotes are for sample purposes only. Actual premiums are based on several factors, including health conditions, age, location, tobacco status, gender, and insurance provider.
