Medicare Supplement Plan G in Florida
Private insurance companies offer Medicare Supplement Plan G, often referred to as Medigap Plan G. This plan is designed to help cover out-of-pocket medical expenses not covered by Original Medicare, including both Part A (hospital insurance) and Part B (medical insurance).
Plan G is a popular choice among Florida Medicare beneficiaries as it covers a wide range of costs, except the Medicare Part B deductible.
Key Takeaways:
Medigap Plan G helps cover out-of-pocket costs such as deductibles, copayments and coinsurance.
The top Plan G providers in Florida are UnitedHealthCare, Florida Blue and Mutual of Omaha.
Premiums for Plan G in Florida range from $150 to $395 per month on average.
Best Plan G Providers in Florida
We have only considered financially stable and reputable Medigap providers in Florida to determine the best options.
Our research indicates that newer, lesser-known insurance companies don't always offer lower rates and may raise prices more often. This is why we partner exclusively with the most established providers, known for fair premiums and solid longevity in the Medicare industry.
UnitedHealthcare
Plan G's monthly premium with UnitedHealthcare ranges between $197 - $273. UnitedHealthcare is the leading Medigap provider in Florida and features an extensive network of over 1.2 million providers. UHC offers discounts on wellness programs along with dental and vision policy options.
Florida Blue (Blue Cross Blue Shield)
Florida Blue is a major Medigap provider in Florida that offers Plan G with household discount options, access to the SilverSneakers fitness program, and a 30-day money-back guarantee. The average monthly premium for Plan G with Florida Blue ranges from $202 - $266.
Mutual of Omaha
Mutual of Omaha is a popular Medigap provider in Florida that offers Plan G at a monthly average of $203 - $252, with an additional 12% discount for couples with Medicare Supplement plans. Mutual of Omaha is known for providing stable rates and excellent customer service. They also offer discounts on vision and hearing, and wellness discounts through their program, Mutually Well.
Aflac
Aflac has recently entered the Medicare market and offers fairly competitive pricing compared to other Medigap providers. Aflac's Plan G monthly premiums range from $207 - $249 on average. They boast high financial stability ratings and offer a 7% household discount for eligible policyholders, plus an additional $2 off monthly for EBT payments.
Cigna
Cigna provides up to 25% premium discounts, an easy-to-use online portal, and a Healthy Rewards program with discounts of up to 25% on health and wellness products and services. Cigna's Plan G premiums in Florida average $190 - $239 monthly. Cigna also offers options to bundle dental, vision, or hearing coverage starting at an extra $32 a month.
Allstate
Allstate offers Medigap Plan G for an average monthly rate of $220 - $275. Allstate's key highlights include up to 25% stackable discount offerings, strong financial ratings, easy online access, an Active&Fit program membership, a 30-day policy trial period, and discounted dental insurance when bundled with a Medicare Supplement plan.
*Average premiums are for a 65 - 75 year old nonsmoking male living in Florida zip code 34787.
How Much Does Medigap Plan G Cost?
Medigap Plan G premiums in Florida usually range from $150 to $395 monthly.
Below is a summary of average premiums for Plan G across various ages and locations in Florida:
Location
Pensacola zip code 32507:
Lakeland zip code 33801:
Palm Bay zip code 32909:
Miami zip code 33014:
Pompano Beach zip code 33069:
Sarasota zip code 34236:
Monthly Cost
$170 - $214
$190 - $227
$184 - $246
$329 - $395
$331 - $383
$238 - $289
What Does Medigap Plan G Cover?
Medicare Supplement Plan G covers the following:
- Doctor visits, outpatient care, and durable medical equipment.
- Medicare Part A deductible for each benefit period.
- Part B coinsurance (20% of the approved amount) or fixed copayment.
- Part B excess charges (not in states that prohibit them).
- Hospital charges and coinsurance for up to 365 days after Medicare benefits end.
- Hospice care copayment or coinsurance.
- Skilled nursing facility coinsurance.
- First three pints of blood for transfusions.
Medigap Plan G covers 80% of foreign travel emergency care costs under certain conditions: care must start within 60 days of the trip, be medically necessary, involve a separate deductible, and is capped at $50,000 lifetime coverage.
Plan G also allows you to visit any provider who accepts Medicare, and you don't need a referral to see a specialist.
How to Enroll in Medicare Supplement Plan G
To enroll in Medicare Supplement Plan G in Florida, you must first be enrolled in Original Medicare Parts A and B. You can then apply for a Medigap policy through a private insurance company that sells these plans in your area.
It is wise to compare insurance quotes from several companies as different premiums may be charged for the same plan.
While you can apply for Plan G at any time after you enroll in Original Medicare, the best time to apply is your six-month Medigap Open Enrollment Period, which begins the month you turn 65 and enroll in Part B.
During this time, you have guaranteed issue rights, meaning that insurance companies cannot deny you coverage or charge you higher premiums, even if you have pre-existing health conditions.
Is There an Alternative to Plan G?
Medigap Plan N is a cost-effective option compared to Plan G. On average, the monthly cost of Plan N ranges between $100 and $200.
While it provides similar benefits as Plan G, its monthly premiums are lower. However, it does not cover the Part B deductible and excess charges.
Additionally, you will be required to pay a $20 copayment for doctor visits and $50 for emergency room visits.
Florida Plan G Statistics
The State of Medicare Supplement Coverage report compiled by America's Health Insurance Plans (AHIP) revealed that in 2022, over 900,000 Florida residents were enrolled in a Medicare Supplement plan. Plan G was a popular choice among these plans, with 88,647 enrollees.
Plan F held the majority share with 60% enrollment; however, it is no longer available to new Medicare enrollees. Plan G is an excellent alternative for those seeking similar coverage to Plan F.
Bottom Line
If you became eligible for Medicare on or after January 1, 2020, Plan G is the most comprehensive Medigap plan available. By enrolling in Plan G, you can reduce your out-of-pocket expenses associated with Original Medicare (Part A and Part B).
Many insurance providers offer Plan G, but it is important to compare quotes from different companies, as premiums for the same plan may vary.
FAQs
Plan G is considered one of Florida's best Medicare Supplement options because it offers the most comprehensive coverage besides Plan F.
Yes, you can switch from one Medicare Supplement plan to another in Florida. However, depending on your age and health status, you may be subject to medical underwriting and potentially face higher premiums.
The best time to enroll in Medicare Supplement Plan G is during your Medigap Open Enrollment Period, which begins the month you turn 65 and enroll in Part B and lasts six months. During this period, you have guaranteed issue rights, meaning that insurance companies cannot deny you coverage or charge you higher premiums, even if you have pre-existing health conditions.
No, Medicare Supplement Plan G does not cover prescription drugs. You will need to enroll in a separate Medicare Prescription Drug Plan (Part D) for prescription drug coverage.
Medicare Supplement Plan G is accepted by any provider that accepts Medicare. There are no network restrictions, so you can see any doctor or visit any hospital nationwide that accepts Medicare patients.
With over 16 years of experience, Matt Kiggins is a senior editor at Florida Insurance Guide. He provides detailed advice on Florida Medicare, life insurance, and dental coverage across forty states. As an reputable authority in the industry, Matt specializes in health plan selection. He holds a resident 2–15 Florida Health & Life Agent License(# P116762) and is a co-founder of Policy Guide, an insurance agency in Pensacola, FL.
Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors such as your health conditions, age, location, tobacco status, gender, and insurance provider.
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