Florida Blue Medicare Supplement Plan G

Florida Blue's Medicare Supplement (Medigap) Plan G is a comprehensive plan that helps cover the costs of healthcare that Original Medicare does not cover. This includes deductibles, coinsurance, and Medicare Part B excess charges.

Key Takeaways:

Florida Blue's Plan G covers out-of-pocket costs for Part A and B not included in Original Medicare.

‍

Florida Blue's Plan G is popular with Medicare beneficiaries because it offers added perks like discounts, fitness programs, and fixed premiums starting at age 65.

‍

Average Plan G premiums with Florida Blue range from $214 - $370 monthly.

‍

What Does Florida Blue's Medigap Plan G Cover?

Florida Blue’s Medigap Plan G is a popular choice among new Medicare enrollees seeking comprehensive supplemental coverage. It is designed to minimize out-of-pocket costs by covering expenses that Original Medicare (Parts A and B) leaves behind.

Key Benefits of Florida Blue’s Medigap Plan G:

1. Key Benefits of Florida Blue’s Medigap Plan G:
   
   1. Part A Coinsurance & Hospital Costs
      • Covers 100% of Medicare Part A coinsurance and hospital expenses for up to 365 additional days after Medicare benefits are exhausted.
      • This benefit ensures that you won’t have to worry about paying for an extended hospital stay.
   2. Part B Coinsurance & Copayments
      • Covers the 20% coinsurance that Medicare Part B doesn’t pay for doctor visits, outpatient services, and other covered medical expenses.
      • This coverage includes preventive services, durable medical equipment (DME), and outpatient mental health care.
   3. First Three Pints of Blood
      • Covers the cost of the first three pints of blood needed for a medical procedure (Original Medicare doesn’t cover these first three pints).
   4. Part A Hospice Care Coinsurance or Copayments
      • Covers the copayments and coinsurance for hospice-related services, ensuring you receive end-of-life care with minimal out-of-pocket costs.
   5. Skilled Nursing Facility (SNF) Care Coinsurance
      • Covers the daily coinsurance for stays in a skilled nursing facility (SNF) after a qualifying hospital stay.
      • Medicare covers the first 20 days, but from days 21-100, you would normally pay $209.50 per day (as of 2025). Plan G covers this cost in full.
   6. Part A Deductible Coverage
      • Covers the Medicare Part A deductible, which is $1,667 per benefit period (2025).
      • This deductible applies if you are admitted to the hospital, and without Plan G, you would have to pay this amount each time you begin a new benefit period.
   7. Part B Excess Charges
      • Covers Part B excess charges, which occur when a provider does not accept Medicare Assignment and can legally charge up to 15% more than the Medicare-approved amount.
      • Plan G ensures you don’t have to pay these excess charges out of pocket.
   8. Foreign Travel Emergency Coverage
      • Covers 80% of emergency medical care outside the U.S. under these conditions:
        • Medical care must begin within 60 days of departure from the U.S.
        • A $250 deductible applies before coverage kicks in.
        • There is a $50,000 lifetime maximum for foreign travel emergency cover
   Additional Benefits & Considerations
   • Freedom to Choose Any Medicare-Approved Provider
     • With Florida Blue’s Medigap Plan G, you can see any doctor, specialist, or hospital nationwide that accepts Medicare—no network restrictions.
     • No referrals are required to see a specialist.
   • No Part B Deductible Coverage
     • Plan G does not cover the Part B deductible, which is $257 in 2025.
     • This is the only out-of-pocket expense you must pay before Medicare and Plan G begin covering your costs.

Who Should Consider Florida Blue’s Plan G?

• Those who want nearly complete coverage: Plan G is one of the most comprehensive Medigap options available.
• Frequent travelers: With nationwide coverage and foreign travel benefits, it’s great for those who travel domestically or internationally.
• People who visit specialists often: The ability to see specialists without referrals and avoid excess charges makes it ideal for those with ongoing medical needs.
• Anyone who wants predictable healthcare costs: Aside from the Part B deductible and the monthly premium, there are minimal out-of-pocket expenses.

Florida Blue’s Medigap Plan G is an excellent choice for Medicare enrollees who want broad coverage, predictable costs, and the flexibility to see any Medicare-approved provider.

It helps cover gaps in Original Medicare, including hospital costs, doctor visits, skilled nursing care, and even foreign travel emergencies.

While it does not cover the Part B deductible, it remains a top-tier option for those looking for comprehensive Medicare Supplement coverage.

How Much Does Plan G Cost With Florida Blue?

The cost of Florida Blue's Plan G monthly premium can vary depending on age, location, and tobacco use. While prices fluctuate, you can generally expect to pay an average of $214 - $370 monthly for this plan.

Here's a quick look at the average costs for Florida Blue's Plan G, broken down by different ages and locations in Florida:

65 y/o nonsmoking female in Port Charlotte zip code 33980: $214

‍

68 y/o nonsmoking male in Boca Raton zip code 33486: $329

‍

70 y/o nonsmoking female in West Palm Beach zip code 33402: $350

‍

72 y/o nonsmoking male in Miramar zip code 33023: $370

‍

74 y/o nonsmoking female in Sarasota zip code 34236: $261

‍

75 y/o nonsmoking male in Ocala zip code 34475: $266

Why Choose Florida Blue?

If you're searching for a trustworthy and dependable Medigap provider in Florida, then Florida Blue is definitely worth considering. We partnered with Florida Blue due to their financial stability, excellent reputation, reasonable premiums, and extensive experience in the Medicare industry.

With nearly 6 million members, Florida Blue is one of the major Medigap providers in Florida, and they have a vast network of doctors and hospitals.

According to Floridablue.com, when you sign up for one of their Medicare Supplement plans, you'll get some extra perks, including:

• Automatic discount for premium payments
• Access to the Silver Sneakers fitness program
• "Same age forever" rule– your premium amount locks at 65 and never goes up with age
• Automatic claims processing – show your Medicare and Florida Blue Medicare Supplement ID; they handle the rest
• 30-day money-back guarantee – return your policy contract within 30 days for a full premium refund if you aren't satisfied

Florida Blue Members can also access a secure website for health management, discounts at fitness centers through Blue365, a dedicated team for healthcare assistance, and retail centers for in-person service and educational events.

Enrollment in Florida Blue Plan G

To enroll in Florida Blue's Plan G, you must be 65 or older and enrolled in Medicare Parts A and B.

Applying for enrollment is best during your Medigap Open Enrollment Period (OEP). The OEP is a six-month window that starts the first month you are 65 or older and enrolled in Medicare Part B. During this period, you can enroll in any Medicare Supplement plan of your choice and be guaranteed acceptance, even if you have pre-existing health conditions.

Enrolling during this time is important because the OEP only occurs once. However, you can still sign up for the Florida Blue Medicare Supplement Plan G after your OEP ends, but you will be subject to medical underwriting. Your acceptance into the plan is not guaranteed and depends on the insurance company's health status assessment.

Bottom Line

Medicare Supplement Plan G is popular among Medicare beneficiaries who want more coverage than basic Medicare provides. We fully trust Florida Blue as a reliable provider of this plan.

While the plan's cost varies, it offers more benefits and coverage than most Medigap plans and can significantly reduce out-of-pocket medical expenses.