Find Medicare Insurance Agents in Miami, Florida
Licensed independent agents serving Miami-Dade County
Choosing the right Medicare Supplement plan in Miami is one of the most important financial decisions you'll make in retirement. A licensed Medicare insurance agent can walk you through every plan option available in Miami-Dade County, compare costs from multiple carriers, and help you enroll — at no cost to you. Agents are paid by the insurance companies, so their guidance is free.
Questions to Ask Medicare Agents in Miami, Florida
- Are you located in Florida? Where?
- How many years have you been selling Medicare plans?
- Do you offer both Medicare Advantage and Medigap?
- How many Medicare insurers are you appointed with?
- Are you the person I call if I have future questions?
Find a Licensed Medicare Agent Near You in Miami
Use the directory below to connect with licensed, independent Medicare insurance agents serving Miami, Coral Gables, Hialeah, Miami Beach, and the surrounding Miami-Dade County area. Independent agents represent multiple carriers so they can compare plans and rates on your behalf.
Find Medicare Agents in Miami →
Facts About Medicare in Florida
- Nearly 5 million people are enrolled in Medicare in Florida.
- More than half of Florida Medicare beneficiaries select Medicare Advantage plans.
- Depending on where they live, some Florida residents can select from 100 different MA plans. Others have 25 to choose from.
- Medigap prices can vary significantly for identical plan coverage — comparing is essential.
Florida Medicare Advantage Plans
Miami-Dade County has one of the largest selections of Medicare Advantage plans in the country. While the plan variety is high, many Miami Medicare recipients with complex health needs or multiple specialists prefer the flexibility of Original Medicare paired with a Medigap Supplement plan, which allows them to see any doctor nationwide who accepts Medicare — no referrals required.
Medigap Insurance Companies in Miami, Florida
The following carriers offer Medicare Supplement plans to Miami-area residents. Premiums vary significantly between companies for identical plan benefits — comparing quotes is essential.
- Aetna Health Insurance Company
- Aflac
- Allstate
- American Benefit Life Insurance
- AARP, Insured by UnitedHealthcare
- Cigna National Health Insurance
- Humana Insurance Company
- New Era Life
Estimated Medigap Plan G & Plan N Rates — Miami, FL (Zip 33101)
Estimated rates for Zip 33101. Contact a licensed agent for current quotes.
Plan G Rates
| Gender | Lowest Monthly Premium | Highest Monthly Premium |
|---|---|---|
| Male (Age 65) | $240.52 | $413.13 |
| Female (Age 65) | $230.97 | $359.24 |
Plan N Rates
| Gender | Lowest Monthly Premium | Highest Monthly Premium |
|---|---|---|
| Male (Age 65) | $198.00 | $319.60 |
| Female (Age 65) | $172.00 | $277.91 |
Frequently Asked Questions
What is the best Medicare Supplement plan in Miami?
Plan G is the most comprehensive Medigap plan available to new Medicare enrollees. It covers everything Medicare covers except the Part B deductible ($240 in 2024). Plan N offers lower premiums with small copays for office and ER visits.
When is the best time to enroll in Medicare Supplement in Florida?
During your 6-month Medigap Open Enrollment Period, which begins the month you are both 65 and enrolled in Part B. During this window no insurer can deny you coverage or charge more due to health conditions. Florida offers no additional guaranteed-issue windows beyond federal requirements.
Do I need a referral to see a specialist with a Medigap plan?
No. Original Medicare does not require referrals. You can see any specialist who accepts Medicare anywhere in the United States with no prior authorization required.
Can I switch Medicare Supplement plans after I enroll?
Yes, but outside of your Open Enrollment Period you may be subject to medical underwriting. If you are in good health, switching to a lower-cost carrier for the same plan level is often straightforward.