Top 3 Medicare Supplement (Medigap) 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)
Best High Deductible Plan G: Mutual of Omaha
Biggest provider: AARP/UnitedHealthcare (AARP/UHC)
Best Plan G: Cigna
Let's jump right in and take a closer look at these providers.
Florida Blue (Blue Cross Blue Shield)
Florida Blue is your #1 choice if you're looking for a reliable, local Medigap provider in Florida, and they also offer some great extra benefits. With nearly 6 million members, they’re a big name in the Medigap market.
Premiums
The monthly premiums for the most popular Medigap plans offered by Florida Blue are: Plan G ranging from $214 to $275, Plan F ranging from $243 to $313, and Plan N ranging from $167 to $223 per month on average.
Discounts
Some Florida Blue Medigap plans offer premium discounts for enrollees who arrange for automatic bank payments or pay annually in advance.
Extra Perks
Florida Blue is well-known for offering valuable benefits to its policyholders. Some of the best perks include:
- Access to the Silver Sneakers Fitness Program
- The "Same Age Forever" rule - locks in rates at age 65, ensuring they never increase with age.
- Automatic claims filing: Show your Medicare and Florida Blue Medicare Supplement IDs to your healthcare provider, and they'll manage the claims process for you.
- A 30-day money-back guarantee, allowing you to return the contract within 30 days of receipt for a full refund of paid premiums if you're not fully satisfied with your plan.
- A dedicated team for healthcare assistance, a secure website for health management, and retail centers for in-person service and educational events.
- Discounts are available through Blue365, a free health and wellness discount program for members. This program offers savings on gym memberships, weight loss programs, nutrition services, and healthy vacations.
Florida Blue Monthly Plan G Cost
Female Ages: Male Ages:
65 - $214 66 - $220
70 - $246 69 - $238
75 - $282 74 - $261
*Quotes are for nonsmokers in Florida zip code 32082.
Mutual of Omaha
Mutual of Omaha ranks second in the national Medicare Supplement market. It is well-known for offering competitive High Deductible Plan G prices through its main brand and sister companies.
Additionally, Mutual of Omaha provides a fast and electronic application process.
Premiums
Mutual of Omaha provides Plan G at an average monthly rate of $203 to $252. Additionally, they offer the Medigap Plan F, which has monthly premiums ranging from $255 to $310. For those interested in Plan N, the average monthly cost is between $129 and $162.
A standout feature of Mutual of Omaha is its stable Medicare Supplement rates over the long term, which can be attributed to their large customer base.
Discounts
Mutual of Omaha provides a 7-12% discount for couples who both have Medicare Supplement plans with the company.
Policyholders who enroll in a Mutual of Omaha dental insurance plan within 30 days of starting a Medicare Supplement policy can also get up to a 15% discount on dental plan premiums.
Extra Perks
Mutual of Omaha policyholders gain access to the Mutually Well wellness program, offering discounts of up to 30% on healthy living products and services, a flexible fitness program without an enrollment fee, and a free mobile app for tailored wellness plans.
Additionally, they provide hearing discounts through Amplifon, including savings on hearing tests and hearing aids, and vision discounts through EyeMed, including savings of $50 on eye exams and 40% on frames.
Member Care
Mutual of Omaha spends about 79.4% of premiums on member benefits.
Mutual of Omaha Monthly High Deductible Plan G Cost
Female Ages: Male Ages:
65 - $75 65 - $86
70 - $82 70 - $94
75 - $93 75 - $107
*Quotes are for nonsmokers in Florida zip code 32301.
AARP/UHC
UnitedHealthcare (AARP) is the biggest provider of Medicare Supplement insurance in the US, offering all ten Medigap plans everywhere.
Premiums
The monthly premium for Plan G with UnitedHealthcare in Florida ranges between $207 and $300. The average monthly premium for Plan F is $241 - $300, while Plan N's monthly premium is $153 - $211.
Discounts
Qualified members can get a monthly premium discount if they share an AARP membership number and have eligible AARP-branded Medigap policies with at least one other member. Living with another AARP member can also lead to savings on premiums.
Using electronic funds transfer for payments can further reduce monthly premiums.
According to UHC.com, Medigap policyholders are eligible for additional benefits, including a 30-40% discount on dental services, $50 vision exams, and a 15-20% discount on hearing aids.
Extra Perks
Signing up for an AARP Medigap plan in Florida comes with benefits like a free gym membership through Renew Active. Members get access to 25,000+ gyms nationwide, on-demand workouts, live classes, social events, and an online Fitbit Community—all without extra fees.
Members also have access to a 24/7 nurse line to ask questions, discuss concerns, or get help accessing community resources.
Member Care
Recent data from the NAIC shows that 81.5% of the AARP Medigap premiums received go straight to their member benefits. The rest, about 18.5%, covers administrative costs, marketing, salaries, and commissions.
UnitedHealthcare Monthly Plan G Cost
Female Ages: Male Ages:
65 - $207 65 - $215
70 - $246 70 - $257
75 - $285 75 - $297
*Quotes are for nonsmokers in Florida zip code 32034.
Cigna
Cigna offers guaranteed renewable Medigap plans F, G, A, and N in most states, and in some states, they offer a high-deductible version of Plan F and G. Cigna offers the cheapest premiums for Plan G, starting at $170 per month.
Premiums
The monthly premiums for the most popular Medigap plans offered by Cigna are: Plan G ranging from $170 to $238, Plan F ranging from $220 to $300, and Plan N ranging from $126 to $177 per month on average.
Discounts
Cigna offers up to 25% discounts on premiums and health and wellness products through its Healthy Rewards program. By including your spouse in the policy application, they also have the opportunity to qualify for a 5% discount.
Extra Perks
You can bundle dental, vision, or hearing coverage for an additional premium starting at $32 a month. Cigna offers access to a 24/7 customer helpline, telehealth services, and personalized care management programs for individuals with chronic conditions. Cigna also provides a range of supplementary policies that cover accident expenses, accident treatment, cancer treatment, and insurance for heart attacks and strokes.
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.
United Healthcare
Market share: 54.09%
Plan G cost: $190
Plan N cost: $162
Financial strength: A
Florida Blue
Market share: 22.33%
Plan G cost: $214
Plan N cost: $200
Financial strength: A
Mutual of Omaha
Market share: 2.35%
Plan G cost: $176
Plan N cost: $128
Financial strength: A+
Cigna
Market share: 1.28%
Plan G cost: $170
Plan N cost: $126
Financial strength: A
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:
Medigap Provider
Cigna
Aflac
Allstate
ACE
Plan G Cost
$170
$187
$191
$193
Plan N Cost
$126
$136
$145
$143
*Quotes are for a 65-year-old female nonsmoker in Florida zip code 32507.
Aflac
Aflac recently joined the Medicare market, offering competitive pricing against other Medigap providers. They have strong financial stability and provide a 7% household discount for eligible policyholders, plus an extra $2 monthly discount for EBT payments.
Allstate
Allstate stands out with stackable discounts up to 25%, 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 7% 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.
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 you 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 picking a Medigap plan for 2025, I suggest checking out Florida Blue, Mutual of Omaha, and UnitedHealthcare. They have solid monthly premiums, financial stability, and a great track record in the Medicare market.
And don't overlook Cigna, Allstate, Aflac, and ACE—they may not be the most popular, but they offer dependable Medigap options, often at a lower premium.
It's a good idea to chat with an experienced Medicare broker who can show you a range of choices from different Medigap providers. We're here to help if you need any guidance.
FAQs
Though not required, a Medicare Supplement plan can help cover the gaps in Original Medicare and reduce out-of-pocket costs.
Yes, but your Medigap Open Enrollment Period (OEP) is the best time to enroll. The OEP starts the first month you are 65 or older and enrolled in Medicare Part B. This period only happens once and lasts for six months. While you can still apply after this period ends, you may have limited options or face higher premiums.
Yes, Medicare Supplement plans are standardized across the country. However, premiums vary between states and companies. It's important to compare prices before choosing a plan.
Medicare Supplement insurance, or Medigap, is a type of health insurance sold by private companies to cover the gaps in Medicare Parts A and B. This includes costs like copayments, coinsurance, and deductibles. Medigap plans are standardized and must follow federal and state laws.
No, Medigap plans do not cover prescription drugs. If you need coverage for medications, you may want to enroll in Medicare Part D, which is specifically designed to cover prescription drug costs. It's possible to have both a Medigap plan and Medicare Part D.
With over 20 years of experience, Mark Prip is a dedicated licensed Medicare insurance agent in Florida. His expertise lies in simplifying the Medicare coverage process by providing comprehensive education to beneficiaries.
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