Best Medicare Supplement Plan G Companies in Florida

The best overall Medicare Supplement Plan in Florida for 2025 is Plan G, and with confidence, I’d recommend Florida Blue as the top Medigap insurance provider.

With over 15 years of experience as a Medicare broker, my goal is to make the process of choosing the right Medigap provider simple and stress-free. I understand how overwhelming it can be with so many options available for 2025.

In this article, I'll walk you through the top Medicare Supplement (Medigap) companies that I believe offer the best value, based on factors like monthly premiums, available discounts, and extra benefits that set them apart.

My top picks:

Best local plan: Florida Blue (Blue Cross Blue Shield)

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Best High Deductible Plan G: Mutual of Omaha

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Biggest provider: AARP/UnitedHealthcare (AARP/UHC)

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Cheapest Plan G: Cigna

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Let's jump right in and take a closer look at these providers.

Which Medigap Company in Florida Has the Largest Membership?

United Healthcare commands the largest market share at 54.09% and Florida Blue at 22.33%.

While Cigna's Medigap plans tend to be more affordable in Florida, other well-known providers such as United Healthcare, Florida Blue, and Mutual of Omaha remain popular due to their significant market shares, established reputations, and high enrollment rates.

The following chart compares various Medicare Supplement companies available in Florida, along with sample premiums, ratings, and market shares.

Analysis:

United Healthcare leads the market with the highest market share, though their premiums are higher compared to others.

Mutual of Omaha and Cigna offer more affordable options for Plan N, with Mutual of Omaha standing out with the highest financial strength rating (A+).

Florida Blue, while having a large market presence, has higher premiums for both plans compared to other providers.

Who Is the Cheapest Medigap Provider in Florida?

Although Florida Blue, Mutual of Omaha, and UHC are well-known providers, they don't necessarily offer the cheapest rates for all plan types.

The cost of different plans can vary, so a provider offering cheaper rates for Plan N may not be the most affordable for Plan G.

This chart compares different Medicare Supplement companies that are also available in Florida, along with sample premiums for Plan G and N:

Premium Analysis:

Cigna offers the lowest premiums for both Plan G and Plan N, making it the most cost-effective option compared to Aflac, Allstate, and ACE.

For Plan G, Cigna’s premiums are 10% to 13.53% cheaper, while for Plan N, Cigna is 7.94% to 15.87% more affordable than the other providers.

Aflac

Aflac recently joined the Medicare market, offering competitive pricing against other Medigap providers. They have strong financial stability and provide a 3% household discount for eligible policyholders, plus an extra $2 monthly discount for EBT payments.

Allstate

Allstate stands out with solid financial ratings, simple online access, Active&Fit program access, a 30-day trial period, and discounts on dental insurance when paired with a Medicare Supplement plan.

ACE

ACE is a new player in the Medicare Supplement market, offering competitive prices for Plan G across 36 states. Benefits include a 3% discount for eligible household members and no network restrictions. ACE holds a strong financial rating of A++ from A.M. Best.

What's the Difference Between Medicare Advantage and Medigap?

Medicare Advantage plans (Part C) and Medigap both offer ways to enhance Original Medicare. Medicare Advantage, an all-in-one option, covers Parts A, B, and D and includes extra benefits like vision and dental. These plans have provider networks, may offer lower premiums but come with higher out-of-pocket costs, and might require referrals for specialists.

Medigap complements Original Medicare by covering costs not included in Parts A and B, offers nationwide coverage without referrals, but generally has higher premiums and doesn't include Part D or extra benefits.

Choosing between them depends heavily on your health needs, budget, and preferences.

What Medigap Plan Covers All Medicare Deductibles?

Medigap Plan F is the only plan that covers all Medicare deductibles, providing comprehensive coverage with $0 out-of-pocket costs for Medicare-approved services. However, it’s only available to those eligible for Medicare before January 1, 2020.

For others, Plan G is a great alternative, offering similar coverage except for the Medicare Part B deductible ($257 in 2025).

Is Medigap Plan G the Best Option?

If you're asking, “Is Plan G the best Medigap plan?”—the answer is clear: Yes. Absolutely.

Plan G covers every gap in Original Medicare except the small Part B deductible. After you pay that once per year, you pay nothing else out of pocket for Medicare-approved services.

What Plan G Covers:

• Part A deductible and coinsurance
• Part B coinsurance and excess charges
• Skilled nursing facility care
• Blood (first 3 pints)
• Foreign travel emergency care (80%)

Plan G is a popular pick for Medicare enrollees thanks to its predictability, wide availability, and solid value. It covers almost everything, with $0 out-of-pocket costs after the deductible, no surprise bills, and lower premiums than Plan F.

Available to all Medicare enrollees, it’s a great option for anyone looking for full coverage.

What Does Plan G Not Cover?

While Medigap Plan G is the most comprehensive Medicare Supplement plan available to new beneficiaries, there are still a few things it doesn’t cover:

• Medicare Part B Deductible – You’ll pay the $257 deductible in 2025 before Plan G takes over.  
• Prescription Drugs (Part D) – No coverage for meds at the pharmacy; you’ll need a separate Part D plan.  
• Dental, Vision, & Hearing – Cleanings, glasses, or hearing aids aren’t included, but separate DVH plans are available.
• Full Foreign Travel Coverage – Only 80% of emergency costs abroad are covered, with a $50,000 lifetime cap.  

Will I Need a Separate Prescription Drug Plan?

Yes—you will need a separate prescription drug plan if you have Medigap Plan G.

Medigap Plan G only supplements Original Medicare Parts A & B. That means it helps cover hospital and medical costs. It does not include Part D, which is Medicare’s prescription drug coverage.

If you take medications—or even if you don’t take any now but want protection for the future—you’ll want to enroll in a standalone Medicare Part D plan.

How Can I Lower My Medigap Plan G Premiums?

Here are some easy, smart tips to save on your Medigap Plan G premiums without giving up quality.

#1. Shop Around - Prices Vary Widely

Medigap plans are standardized, meaning Plan G is the same no matter the company—but prices can vary hundreds of dollars per year between insurers. Be sure to use a licensed agent or comparison tool and get quotes from multiple carriers.

You can also look into household or spousal discounts (some companies offer up to 25%).

#2. Consider Age-Based Rating Methods

Insurers use different pricing methods for premiums: community-rated (same price for everyone), issue-age rated (based on age at enrollment, doesn't increase), and attained-age rated (starts low but rises with age).

Younger, healthier individuals may save more with issue-age or community-rated plans.

#3. Review Your Plan Every Year

Just because you picked a company once doesn’t mean you’re stuck for life. You can switch Medigap plans anytime, but you’ll usually need to pass medical underwriting unless you qualify for a special guaranteed issue right

#4. Maintain Good Health and Avoid Tobacco Use

Non-smokers often get lower rates, and some companies offer “preferred” pricing for people in great health. Even if you’re a smoker now, quitting can help you reapply and save down the road.

When Can I Enroll in a Medigap Plan in Florida?

The Medigap Open Enrollment Period is a six-month window that starts the first month you are 65 or older. You also must be enrolled in Medicare Part B. During the Medigap Open Enrollment Period, a Medicare insurance company must:

• Sell you a Medigap plan in Florida for a rate unrelated to your health conditions
• Waive the waiting period for pre-existing conditions

Although you can apply outside the Medigap Open Enrollment Period, you will be subject to medical underwriting requirements. The exception is if you have guaranteed issue rights.

Scenarios for guaranteed issue rights include:

• You are losing a Medicare Advantage plan because it ceased coverage in your area, or they will no longer participate with Medicare
• You moved out of the area that your plan services
• Your coverage under a group health plan is ending – this may include employee, retiree, or COBRA coverage
• You are within the time allowed to switch back to Medigap after enrollment in Medicare Advantage or Program of All-inclusive Care for the Elderly (PACE)
• You lost a Medigap policy through no fault of your own

W‍hen Under 65

In Florida, state law requires private health insurance companies to sell Medigap policies to beneficiaries under 65 who have a disability or end-stage renal disease (ESRD).

Extra Help for Low Income

Medicare beneficiaries often qualify for extra help with prescription drug coverage. The Social Security Administration can provide eligibility requirements and the information you need to apply. In addition, Florida has many Social Security locations throughout the state.

It’s best to look into the help available before your Open Enrollment Period to take advantage of all available options.

Bottom Line

If you're choosing a Medigap plan for 2025, Florida Blue stands out as the best option. With competitive monthly premiums, strong financial stability, and a long-standing reputation in the Medicare market, Florida Blue consistently delivers reliable coverage and excellent customer service.

That said, Mutual of Omaha and UnitedHealthcare are also solid choices, offering dependable plans with a proven track record. Additionally, Cigna, Allstate, Aflac, and ACE provide affordable alternatives that may be worth considering if you're looking for lower premiums.

To ensure you find the best fit for your needs, it's wise to consult with an experienced Medicare broker who can compare plans from various providers. If you need any guidance, we're here to help!