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?
Plan G, offered by Florida Blue, is a favorite among new Medicare enrollees due to its extensive coverage options. It covers Part A coinsurance, hospital costs for up to 365 days after Medicare benefits expire, Part B coinsurance/copayment, the first three pints of blood, Part A hospice and skilled nursing facility care coinsurance, Part A deductible, and Part B excess charges.
Under certain conditions, you'll also receive coverage for 80% of foreign travel emergency care costs. The medical care must start within 60 days of the trip, be medically necessary, involve a separate deductible, and be capped at $50,000 lifetime coverage.
Plan G with Florida Blue allows you to visit any provider who accepts Medicare, and you don't need a referral to see a specialist.
However, it's important to note that Plan G doesn't cover the Part B deductible.
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.
FAQs
Yes. This plan has no restrictions on which doctors or specialists you can see, so you can choose any healthcare provider that accepts Medicare.
No, prescription drugs are not covered under this plan. You may want to consider enrolling in a separate Medicare Part D prescription drug plan for coverage.
In addition to Plan G, Florida Blue also offers Medicare Supplement Plans A, B, C, D, F, and N. Each plan provides different levels of coverage and may vary in cost depending on your location and personal information.
The eligibility age for Medicare Supplement Plan G is 65 and older.
Yes, you can switch from another Medicare Supplement plan to Plan G; however, you may be subject to medical underwriting unless you're within your Open Enrollment Period or have a special circumstance that grants you a guaranteed issue right.
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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