Florida Blue Medicare Supplement Plan Review

Florida Blue has a long-standing reputation in Florida’s health insurance market, offering Medicare Supplement (Medigap) plans with a strong local presence.

As a policyholder-owned, not-for-profit insurer, Florida Blue is known for its financial stability, strong customer service, and long-term commitment to the Florida community - making it a popular choice for Medicare Supplement coverage statewide.

In this article, we'll cover:

• Florida Blue's Medigap plans
• Premiums and out-of-pocket costs
• Florida Blue vs. competitors
• Extra member perks
• Pros and cons
• How to enroll

Let's start with the Florida Medigap plans offered by Florida Blue.

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Florida Blue Medicare Supplement (Medigap) Overview

Florida Blue offers a comprehensive lineup of standardized Medicare Supplement insurance (Medigap) plans.

These include Plan A (basic benefits), Plan B, Plan C, Plan D, Plan F, Plan G, Plan K, Plan L, Plan M, and Plan N.

However, some plans are no longer available to new Medicare beneficiaries - most notably, Plan C and Plan F are closed to those who became eligible for Medicare after January 1, 2020.

For seniors new to Medicare, the most popular and widely available options are Plan G and Plan N, as well as Plan A and High-Deductible Plan G in certain areas.

What Is Medicare Supplement Insurance?

Medicare Supplement (Medigap) plans are private insurance policies designed to fill the “gaps” in Original Medicare (Parts A and B).

While Medicare covers a large portion of hospital and outpatient costs, it leaves beneficiaries responsible for deductibles, copayments, and coinsurance. A Medigap plan helps cover these remaining out-of-pocket costs -for example, hospital coinsurance after day 60, the 20% coinsurance for Part B outpatient services, and more.

Medigap plans are standardized by letter, which means the benefits for each plan type (e.g., Plan G) are the same regardless of the insurance company offering it.

To be eligible for a Medigap plan, you must be enrolled in both Medicare Part A and Part B, and you must be either age 65 or older, or qualify due to disability or End-Stage Renal Disease (ESRD).

Popular Florida Blue Medigap Plans

Among the available options, Plan G and Plan N stand out as the most popular Florida Blue Medigap plans for new enrollees.

• Plan G offers nearly complete coverage of Medicare cost-sharing, with the only out-of-pocket expense being the annual Medicare Part B deductible.
• Plan N provides similar benefits with lower monthly premiums, but requires small copays for doctor and emergency room visits and does not cover Part B excess charges.

According to industry enrollment data:

Over 75% of new Medigap enrollees choose either Plan G or Plan N.

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Plan G is the most enrolled Medigap plan for new Medicare beneficiaries since Plan F became unavailable to those newly eligible after January 1, 2020.

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Plan N is the fastest-growing Medigap plan, especially among younger, healthier enrollees looking to reduce monthly premiums.

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Florida Blue has confirmed this trend locally, reporting that Plan G and Plan N account for the vast majority of their new Medigap enrollments.

These plans are popular because they offer a great balance between cost and coverage—providing solid financial protection without the hassle or limits of Medicare Advantage.

Medigap Plan G: Comprehensive Coverage

Plan G is Florida Blue’s most comprehensive Medigap plan available to new Medicare beneficiaries.

Once you pay the annual Part B deductible ($257 in 2025), Plan G covers 100% of all other Medicare-approved out-of-pocket costs.

This includes:

• Medicare Part A hospital deductible and coinsurance
• Skilled nursing facility care coinsurance
• Medicare Part B coinsurance (20%)
• Part B excess charges (up to 15% more than Medicare’s approved amount)
• Emergency care while traveling outside the U.S. (up to $50,000 lifetime benefit)

With Plan G, after paying the small annual deductible, you typically owe nothing for Medicare-approved services. This plan is ideal for those who want comprehensive, stable coverage with no surprises.

Plan G Coverage Chart

Medigap Plan N: Lower Premiums With Small Copays

Plan N offers the same core benefits as Plan G but at a lower monthly premium. The trade-off is that you agree to some minor cost-sharing:

• Copay of up to $20 for office visits
• Copay of up to $50 for emergency room visits (waived if admitted)
• Does not cover Part B excess charges

Plan N still covers the major out-of-pocket costs Medicare doesn’t - like the Part A hospital deductible and skilled nursing facility coinsurance.

For people who are relatively healthy and don’t see the doctor often, Plan N can be a smart way to save $30–$50 or more per month compared to Plan G.

Plan N Coverage Chart

Florida Blue Plan G vs. Plan N: Coverage Comparison

Both Plan G and Plan N offered by Florida Blue are standardized Medigap plans, meaning they provide the same core benefits as Plan G and N from any other insurer.

The table below highlights what each plan covers and the key differences.

Florida Blue Medigap Plan G vs. Plan N – Benefit Comparison

​Plan G vs. Plan N: Key Differences

As shown above, the primary differences between Plan G and Plan N come down to Part B cost-sharing:

Plan G covers all Medicare-approved costs except the annual Part B deductible.

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Plan N also covers most gaps, but requires small copays and does not cover Part B excess charges.

‍Note: Neither plan covers the Part B deductible, as current law prohibits Medigap plans from doing so for new enrollees.

Who Is Plan G Best For?

Plan G gives you great coverage with predictable costs, perfect for seniors who see the doctor often, manage chronic conditions, travel a lot, or just want less hassle with paperwork. Once you’ve met the Part B deductible, it takes care of $0 out-of-pocket costs for Medicare services.

Who Is Plan N Best For?

Plan N is ideal for those who are healthy, visit doctors infrequently, and want lower premiums while being okay with small copays. It's a great option for Floridians seeking affordable coverage for routine checkups and occasional specialist visits.

For example, a 67-year-old in good health who sees their doctor just a few times annually may save significantly with Plan N -especially if they rarely use outpatient services.

However, if your health needs increase in the future, those copays can add up, making Plan G a more convenient option despite the higher premium.

2025 Medigap Premium Comparison: Florida Blue vs. Competitors

Florida’s Medigap market remains highly competitive in 2025, with other major insurers offering standardized plans such as Plan A, Plan G, Plan N, and Plan F.

To help illustrate how Florida Blue compares, we’ve compiled below some head-to-head premium breakdowns for a 65-year-old, non-tobacco-user in ZIP code 33980 (Port Charlotte, FL).

Premiums vary by zip code, gender, and other factors, but these rates provide a clear comparison across four top insurers: Florida Blue, Cigna, Mutual of Omaha, and Humana.

Florida Blue vs. Cigna

Cigna and Florida Blue are two of the most visible Medigap carriers in Florida. While both are well-established, there are important differences in pricing and structure.

Cigna uses attained-age pricing, meaning your premiums increase as you get older.

Florida Blue uses issue-age pricing, which locks in your age rate when you enroll—often resulting in greater long-term savings.

Medigap Premium Comparison: Florida Blue vs. Cigna

65-Year-Old | ZIP Code 33980

Summary: While Cigna shows lower initial rates across the board, their attained-age pricing model means those savings may diminish over time. Florida Blue’s issue-age pricing and brand stability may offer better long-term value - especially for those planning to keep their plan for many years.

Florida Blue vs. Mutual of Omaha

Mutual of Omaha is a long-standing Medigap provider known for strong financial ratings and up to a 12% household discount.

In 2025, Florida Blue and Mutual of Omaha premiums are fairly close, with some plans showing only slight differences.

Medigap Premium Comparison: Florida Blue vs. Mutual of Omaha

65-Year-Old | ZIP Code 33980

Summary: These two providers are fairly neck-and-neck on pricing. Mutual of Omaha’s Plan G is slightly cheaper than Florida Blue’s, while Florida Blue beats them on Plans A and F.

If you're eligible for their household discount, Mutual of Omaha may come out ahead - but Florida Blue’s issue-age pricing could still lead to lower lifetime costs.

Florida Blue vs. Humana

Humana is a national provider that markets Medigap plans heavily in Florida and offers extras like SilverSneakers and wellness discounts.

However, their attained-age pricing model and frequent rate increases (5–8% per year reported in some areas) can make them less predictable over time.

Medigap Premium Comparison: Florida Blue vs. Humana

65-Year-Old | ZIP Code 33980

Summary: Florida Blue is consistently more affordable than Humana across all plan types, especially on Plan F and Plan N.

Humana’s premiums start higher and may increase more over time due to their pricing structure. Florida Blue’s local presence and rate stability give it a distinct edge.

In a nutshell:

Florida Blue offers strong value across the board, with competitive premiums and issue-age pricing that can lead to lower long-term costs.

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Cigna may start cheaper on paper, but their attained-age models mean premiums rise with age—often eroding early savings.

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Mutual of Omaha remains highly competitive, particularly for couples who qualify for household discounts, though Florida Blue still holds an advantage on certain plans.

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For Florida residents seeking a trusted, stable, and locally-supported Medigap option, Florida Blue remains a top choice in 2025.

Why Florida Blue Medicare Supplement Plans Are Often Recommended

Florida Blue consistently ranks among the top choices for Medicare Supplement (Medigap) coverage in Florida. Their combination of pricing stability, brand trust, local support, and long-term experience make them a go-to option for new and existing Medicare enrollees alike.

Let's look at each of these reasons in a little more detail.

#1. Competitive and Stable Premiums

Florida Blue offers affordable and competitive premiums that frequently beat or match those of other major Medigap insurers in the state.

More importantly, Florida Blue uses an issue-age pricing model, which they brand as “Same Age Forever.” This means the rate you receive when you first enroll—typically at age 65 - remains locked in by your age group. Your premium won't increase just because you get older.

While normal medical inflation may still lead to periodic group rate adjustments, Florida Blue has a reputation for long-term rate stability. This is a major advantage over insurers that use attained-age pricing, where rates increase as you age, sometimes sharply.

Many new insurers enter the market offering low initial rates, but then raise premiums aggressively in the following years. Florida Blue, with its decades of experience and large risk pool, tends to have more modest and predictable increases over time.

#2. Trusted Brand and Local Presence

Florida Blue is the official Blue Cross and Blue Shield licensee in Florida, and that trusted name carries weight with both providers and consumers. The company has served Floridians since the 1940s and has offered Medicare-related coverage since the program began in 1965.

In addition to strong brand recognition, Florida Blue has:

• A not-for-profit model, prioritizing member health and service over shareholder profits.
• High customer satisfaction ratings, with fewer complaints compared to many competitors.
• A network of Florida Blue Centers throughout the state, offering in-person assistance with enrollment, claims, and customer service.

This local, face-to-face support is rare among Medigap insurers and sets Florida Blue apart from carriers that operate solely online or via call centers.

#3. Broad Provider Acceptance

One of the biggest advantages of Medigap is the ability to use any doctor or hospital nationwide that accepts Medicare - no referrals, no prior authorizations, and no network restrictions.

Florida Blue is one of the most widely recognized and accepted names in healthcare. Nearly every provider who accepts Medicare will also accept your Florida Blue Medigap policy, which translates to:

• Seamless nationwide access to care
• Worry-free travel within the U.S. and limited coverage for emergencies abroad
• No need to check provider networks

This is a stark contrast to Medicare Advantage plans, which often limit you to a regional network and may require referrals or preapprovals.

#4. Long-Term Commitment and Financial Strength

With more than 80 years in health insurance and over 55 years in Medicare, Florida Blue brings unmatched experience and stability to the Medigap market. It consistently earns strong financial ratings (A+ or better) and maintains a large, well-balanced pool of Medigap enrollees in the state.

The company's not-for-profit mission also means greater reinvestment in member services, wellness programs, and community health - not just profits.

This long-term presence and financial strength make Florida Blue a reliable partner - especially important when choosing a plan meant to protect you for the rest of your life.

Member Perks and Added Benefits

While Medicare Supplement (Medigap) plans are standardized in terms of medical coverage, Florida Blue enhances its policies with a range of member perks and support services that add real value to your plan.

These extras improve the overall member experience and help you get the most from your coverage.

Fitness and Wellness Benefits

Florida Blue Medigap members have access to Blue365, a national wellness discount program that includes:

• Gym membership discounts
• Savings on Weight Watchers, exercise equipment, hearing aids, and more
• Optional access to SilverSneakers, a popular senior fitness program, for an additional fee

While not automatically included like in some Medicare Advantage plans, these discounted wellness perks are available to all Medigap members and support healthy aging.

Online Member Portal and Mobile Tools

Florida Blue members receive access to a secure online portal where they can:

• Track claims and view benefits
• Download ID cards
• Manage billing preferences

In addition, Florida Blue offers a mobile app and an online provider search tool - although with Medigap, you can visit any provider nationwide who accepts Medicare. These tools offer convenience and transparency in managing your plan.

Care Coordination Support

For those with more complex health needs, Florida Blue provides access to a Care Coordination team - a group of healthcare professionals who can:

• Help you schedule and coordinate appointments
• Assist in managing chronic conditions
• Identify lower-cost care options or alternative services

This level of personalized support is especially helpful for seniors managing multiple doctors, prescriptions, or treatment plans.

Florida Blue Centers for In-Person Help

Florida Blue operates Florida Blue Centers throughout the state, offering:

• In-person customer service and plan support
• Help with billing, claims, and benefit questions
• Health seminars, wellness screenings, and community events geared toward seniors

This walk-in access to local support is a major advantage that many national Medigap insurers do not provide.

30-Day Free Look Period

Florida Blue honors the federally required 30-day free look period. If you enroll and decide within 30 days that the plan isn’t right for you, you can cancel your policy and receive a full refund, as long as no claims have been made.

While this is standard across all Medigap carriers, it provides peace of mind and reassurance that you can try the plan risk-free.

Automatic Claims Filing

Florida Blue participates in crossover claims processing with Medicare. This means that when Medicare pays its portion of a claim, it automatically forwards it to Florida Blue, and Florida Blue pays its share without you needing to submit paperwork

This seamless system saves time and reduces stress, allowing you to focus on your health - not the paperwork.

Pros and Cons of Choosing Florida Blue

Like any Medicare coverage option, Florida Blue’s Medicare Supplement (Medigap) plans come with both advantages and considerations.

Here’s a balanced breakdown to help you evaluate whether it’s the right fit for your needs.

Pros of Florida Blue

Competitive Premiums and Long-Term Rate Stability: Florida Blue offers Medigap premiums that are consistently competitive in Florida - often lower than or comparable to other top-rated insurers in the state. What really sets Florida Blue apart is its “Same Age Forever” pricing model (issue-age rated).

No Network Restrictions: With Florida Blue Medigap, you can see any doctor or hospital in the country that accepts Medicare. There are no network limitations and no referrals required.

Comprehensive and Predictable Coverage: Plans like Plan G and Plan N cover most of Medicare’s out-of-pocket costs, including deductibles, coinsurance, and copayments.

These plans offer highly predictable coverage, and since Medigap benefits are standardized, they don’t change annually the way Medicare Advantage benefits can.

Travel Coverage in the U.S. and Abroad: Florida Blue’s Medigap plans include coverage for foreign emergency medical care (on plans that offer it), paying 80% of costs after a $257 deductible, up to a $50,000 lifetime maximum.

Trusted Brand and Strong Reputation: Florida Blue is one of the most trusted names in healthcare. The company has nearly 6 million members and decades of experience serving Floridians.

Member Extras and Support Services: Florida Blue Medigap members enjoy several value-added services, such as:

• Discounts through the Blue365 wellness program
• Access to SilverSneakers (available for a fee)
• Walk-in service and educational events at Florida Blue Centers
• Online tools and a mobile app to manage claims and benefits
• Automatic crossover claims filing between Medicare and Florida Blue
  

Cons of Florida Blue

No Prescription Drug Coverage Included: Like all Medigap plans, Florida Blue’s Medigap policies do not include Medicare Part D prescription drug coverage. You’ll need to enroll in a standalone Part D plan, which typically adds $20–$140 per month.

Higher Monthly Premiums Than Medicare Advantage: Compared to Medicare Advantage plans, which often advertise $0 or low monthly premiums, Medigap plans cost more upfront.

For example, Florida Blue Plan G typically ranges from $210–$300 per month at age 65. However, this higher premium generally means fewer out-of-pocket costs later. It’s a trade-off: you pay more each month for fewer surprises throughout the year.

How to Enroll in a Florida Blue Medigap Plan (Step-by-Step)

If you're a new Medicare beneficiary in Florida and ready to enroll in a Florida Blue Medigap plan, follow this clear step-by-step guide to get covered smoothly.

Step 1: Enroll in Medicare Parts A and B

Before you can purchase a Medigap plan from Florida Blue (or any insurer), you must be enrolled in Original Medicare Part A and Part B. Most people become eligible around their 65th birthday.

You can apply for Medicare through Social Security, beginning 3 months before your 65th birthday. Once enrolled, you’ll receive a red, white, and blue Medicare card showing your Medicare Number and Part A & Part B effective dates.

Tip: The best time to buy a Medigap policy is during your Medigap Open Enrollment Period - a six-month window that starts the month you're both 65 and enrolled in Part B. During this period, you have a guaranteed right to enroll in any Medigap plan with no health questions or underwriting.

Step 2: Compare Plans and Choose the Right One

Next, review the available Florida Blue Medigap plans and determine which option fits your health needs and budget.

Plan G is ideal for those who want comprehensive coverage with no copays.

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Plan N is a good fit for those who want lower premiums and are comfortable with small copays.

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When comparing plans, consider monthly premiums, copays and cost-sharing, your health conditions and your travel plans (domestic or abroad).

Step 3: Get a Quote and Start the Application

Once you’ve chosen a plan, it’s time to apply. You can enroll by phone with Florida Blue’s Medicare sales team or through an independent Medicare broker who represents Florida Blue.

Have the following information ready:

• Full name, address, and date of birth
• Medicare Number (from your Medicare card)
• Part A and Part B effective dates
• Social Security number (for identity verification)
• Preferred payment method (e.g., monthly bank draft, credit card, or billing)

If you’re enrolling during your Open Enrollment Period, you won’t be asked health questions. If applying later, health underwriting may apply.

Step 4: Submit the Application and Choose a Start Date

During the enrollment process, your agent will help complete the application over the phone or online and you’ll choose your coverage start date, which usually aligns with your Medicare Part B effective date.

Florida Blue will process your application and confirm enrollment, typically within a few business days.

Step 5: Receive Confirmation and ID Cards

Once enrolled, Florida Blue will mail you a welcome packet, which includes your official Medigap policy and ID card, your plan details and outline of coverage, and your effective date.

Most members receive their materials within 7 to 10 business days of enrollment approval.

Once active, you can begin using your Medigap coverage by presenting both your Medicare card and your Florida Blue ID card at appointments.

Bottom Line

Navigating Medicare for the first time can feel overwhelming, but choosing the right Medicare Supplement plan can make a world of difference.

Florida Blue stands out as a trusted, well-established option that offers a strong combination of comprehensive coverage, long-term rate stability, and reliable customer support - all backed by one of Florida’s most recognized health insurance brands.

With options like Plan G and Plan N, Florida Blue provides both comprehensive and budget-conscious solutions to help fill the gaps in Original Medicare. Whether you prioritize predictable costs or lower monthly premiums, Florida Blue has a plan that aligns with your needs.

Need help choosing the right plan? We recommend speaking with a licensed Medicare agent at Policy Guide.

Our team understands the Florida Medigap market and can walk you through:

• Side-by-side plan comparisons
• Personalized premium quotes
• Help with enrollment paperwork
• Answers to your Medicare questions - big or small

There’s no cost to speak with an agent, and no pressure - just expert advice personalized for you.