Best Cheap Medicare Insurance Florida

Florida 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.

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. Those with Medicare have different options. The first is ‘Original Medicare’ — 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. Florida seniors had 527 different Medicare Advantage plans available — an increase from the 474 plans available the prior year.

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 Medicare Advantage with Prescription Drug (MAPD) plans available — 53 different plans are available in those counties.

MA plans are offered through private insurance companies and 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 MA plans are available in all Florida counties.

Private insurance companies offering Medicare Advantage plans in Florida include:

• 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

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 shown in the examples below, costs can vary significantly for identical coverage. That is a reason we strongly 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

Private insurance companies offering Medicare Supplement plans in Florida include:

• 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

• American Association for Long-Term Care Insurance — find local LTC insurance agents and information on Florida plans
• SHINE (Serving Health Insurance Needs of Elders) — a free program offered by the Florida Department of Elder Affairs and the local Area Agency on Aging
• State of Florida Medicare & Medicaid

• Important Medicare Dates
• Florida Medicare Insurance Location Guide
• Medicare Insurance in Florida