When thinking of Medicare, Florida is a state that easily comes to mind. With a large senior population the Florida Medicare supplement plans are a frequent topic for health and political discussion. Medicare supplements come in ten different varieties. Each plan is designed to fill a different number of gaps in Medicare part A and Part B, from four to all nine. The only way to know the price of the different Florida Medigap plans is to get a set of quotes, which you can do by filling out the form on this page.
What You Need to Know about Medigap Plans
Each of the Florida Medigap plans listed below is standardized. This means that no matter which company you choose you will receive identical coverage. So your coverage will be the same if you choose one of the Florida Humana plans, one from AARP or any of the other companies that provide Medicare supplements in Florida. So when you get your set of quotes for Florida Medigap then you can focus solely on company ratings and price, but first you need to know what each of the Florida Medicare supplement plans will cover.
Medicare Supplement Plans in Florida
Plan A – The least comprehensive of the ten plans with coverage for Medicare Part A coinsurance and hospice care, the first three pints of blood in the hospital, and the Medicare Part B coinsurance.
Plan B – Is the next step up from Plan A because it will also cover the $1,156 Part A deductible.
Plan C – One of the two Medigap plans in Florida that comes closest to plan F. It covers all the gaps in coverage except for any excess charges above the Part B excess charges.
Plan D – Provides the same coverage as plan C except that it also does not cover the Part B deductible
Plan F – The only Comprehensive Florida Medigap plan. It will cover all the gaps in coverage left by Part A and Part B. This makes it the most expensive of the supplemental insurance plans in Florida.
Plan G – The second of the two Medigap plans that come close to plan F. The only gap it does not cover is the Part B deductible. Many times the math works in favor of getting Plan G over plan F
Plan K – One of the two plans that have out of pocket limits. This plan covers all the gaps that Plan D does except for foreign travel emergencies, except that you have to pay 50% of the charges until you hit the out of pocket limit of $4,640.
Plan L – The second of the Medigap plans that has an out of pocket limit and just like plan K except that you pay 75% of the expenses up to an out of pocket limit of $2,320.
Plan M – Covers all the gaps that plan D does except that it only covers 50% of the Part A deductible.
Plan N – It is the only one of the supplements in Florida that has copayments. It is identical to plan D except that it has copayments of $20 for doctor’s office visits and $50 for emergency room visits.
Now that you know all about the different Florida Medigap plans make sure to get a set of quotes so that you can make sure your Medicare coverage does not leave you with a large bill. The only thing left to do is get a set of quotes for your Medicare supplement.