Find the Best Cheap Medicare Insurance Florida Seniors - Compare Medicare Supplement and Medicare Advantage - Florida Medicare Insurance Agent Directory

Find the best Florida Medicare Insurance - Medicare Supplement Plans

Best Cheap Medicare Insurance Florida

Best-Cheap-Medicare-Insurance-FloridaFlorida seniors have an increasing number of Medicare options.  It can actually be an overwhelming process to compare and decide which option is best for your needs and budget.

The Association provides the following information to provide a good starting point.

We offer a free directory that lists local Medicare insurance agents.  There is no cost to access and it is completely private.  You only enter your Zip Code.  Working with a local professional (they don’t charge) can really get you the information and answers you need.

What Are Your Florida Medicare Options?

There are 4.65 million Florida residents enrolled in Medicare in 2021.  Those with Medicare have different options.  The first is ‘Original Medicare’.  That’s also known as Medicare Part A and Part B.

Part A covers hospital services. This includes inpatient care received in a hospital or skilled nursing facility, as well as some home health services.

Part B covers more general medical costs.  These can include medical care received at a doctor’s office.  It can also include outpatient care, medical supplies, and even some preventive care.

Depending on your health needs, Original Medicare may not provide enough coverage. For example, Original Medicare does NOT include coverage for prescription drugs.  Also NOT covered are out-of-pocket costs such as co-payments, coinsurance and deductibles.  They can be expensive if you have healthcare needs.

Medicare Advantage Plan Options – 527 different plans!

All Florida residents with Medicare have access to buy a Medicare Advantage plan (Medicare Part C).  These include plans with $0 premiums (costs to you).  In 2021, Florida residents (seniors) had 527 different Medicare Advantage plans available.  That is an increase from the 474 plans available in 2020.

Find Florida Medicare insurance agents

Use our Online Directory to find Florida Medicare agents

Because of the dizzying number of MA plan choices, it can be beneficial to connect with a local Florida Medicare insurance agent who knows what other people in your area like (and dislike) about available plans.

Broward County, Pasco County and Hillsborough County each have the most 2021 MAPD plans available.  53 different plans are available!

MA plans are plans offered through private insurance companies.  These plans cover all of the same benefits of Medicare Parts A and B.  Some offer even more.

Medicare Advantage plans typically include coverage for prescription drugs.  They may also provide some coverage for vision and dental care, health management and fitness programs.

Not all of MA plans are available in all Florida counties.  Here are some of the private insurance companies offering Medicare Advantage plans in Florida for 2021:

  • Anthem
  • Aetna
  • Allwell
  • Bright Health
  • CarePlus Health Plans
  • Cigna
  • Devoted Health
  • Florida Blue Cross / Blue Shield
  • Humana
  • Lasso Healthcare
  • Prominence Health Plan
  • Solis Health Plans
  • UnitedHealthcare (AARP)
  • WellCare

Medicare Supplement (Medigap) Plans – prices can vary significantly

Find Florida Medicare insurance agents

Use our Online Directory to find Florida Medicare agents

A popular choice among Florida seniors is a Medigap plan.  These are also sold by private insurance companies.

Medigap plans all have standardized benefits established by the federal government. Plans are all the same but costs are not.  As you can see below from our simple examples, costs can vary significantly for identical coverage.

Again, that’s a reason we strong recommend working with a local professional.

There are currently 8 Medicare Supplement Plans you can choose from: A, B, D, G, K, L, M, N.  Effective January 1, 2020, Florida seniors turning 65 can no longer sign onto a new Medicare Supplement C or F plan.  Medicare Supplement Plan G is now the most popular plan.

QUICK COMPARISON OF LOWEST AND HIGHEST MEDIGAP PLAN G COSTS

Age 65 Female (Plan G) Miami (33101)  LOW:  $284.04 per-month / HIGH: $325.87/month

Age 65 Male (Plan G) Miami (33101)  LOW: 263.92 / HIGH  $374.75

Here are some of the private insurance companies offering Medicare Advantage plans in Florida for 2021:

  • Aetna
  • Central States
  • Cigna
  • Devoted Health
  • Florida Blue Cross / Blue Shield
  • Great Southern
  • Humana
  • Lumico Life
  • National Guardian Life
  • UnitedHealthcare (AARP)

Florida Medicare and Long-Term Care Insurance Resources