Medicare Supplement Plan N in Florida
Medicare Supplement (Medigap) Plan N is a popular, affordable option for Medicare beneficiaries in Florida. Offered by private insurers, it covers out-of-pocket costs not included in Original Medicare.
Plan N provides benefits similar to the most comprehensive Plan G and Plan F - but with some coverage differences.
Key Points:
The top Plan N providers in Florida are Cigna, Mutual of Omaha, and Florida Blue.
Premiums for Plan N in Florida range from $125 to $225 per month on average.
Plan N requires beneficiaries to pay a small copay for doctor ($20) and ER ($50) visits.
Top Plan N Providers in Florida
Our top picks for Florida Medigap providers are based on policyholder feedback, pricing, coverage options, and experience in the Medicare industry.
Cigna
Cigna offers up to 25% off premiums, a user-friendly online portal, and a Healthy Rewards program with up to 25% discounts on wellness products and services. In Florida, Plan N premiums average $126 - $158 monthly. Additionally, Cigna provides options to add dental, vision, or hearing coverage starting at $32 a month.
Mutual of Omaha
Mutual of Omaha, a leading Medigap provider in Florida, offers Plan N for an average monthly cost of $129 - $162, plus a 12% couple's discount for Medicare Supplement plans. Known for stable rates and great customer service, they also provide vision, hearing, and wellness discounts through their Mutually Well program.
Aflac
Aflac recently joined the Medicare market, offering competitive prices against other Medigap providers. Their Plan N monthly premiums average $136 - $175. They have strong financial stability ratings and provide a 7% household discount for eligible policyholders, with an extra $2 monthly off for EBT payments.
Aetna
Aetna, part of CVS Health, boasts over 160 years in the Medicare industry, known for its reliability and financial stability. The average monthly premium for Medigap Plan N with Aetna ranges from $136 to $169.
Florida Blue (Blue Cross Blue Shield)
Florida Blue, a top Medigap provider in Florida, offers Plan N featuring household discounts, SilverSneakers fitness program access, and a 30-day money-back guarantee. Average monthly premiums for Plan N range from $167 to $223.
UnitedHealthcare
Plan N's monthly premium with UnitedHealthcare is $153 - $211. As Florida's top Medigap provider, UnitedHealthcare has a vast network of over 1.2 million providers. UHC provides wellness program discounts and options for dental and vision coverage.
*Average premiums are for a 65 - 75 year old nonsmoking female living in Florida zip code 32024.
Cost of Plan N
Plan N's monthly premium can range from $125 to $225 on average. However, your age, gender, location, and tobacco use can all affect your premium.
Here's an overview of Plan N average premiums by age and location in Florida:
Location
Pensacola zip code 32503:
Lakeland zip code 33805:
Palm Bay zip code 32904:
Miami zip code 33101:
Pompano Beach zip code 33060:
Sarasota zip code 34230:
Monthly Cost
$126 - $176
$141 - $167
$136 - $204
$253 - $290
$250 - $335
$177 - $236
What Does Medigap Plan N Cover?
Plan N covers:
- Part A coinsurance up to 365 additional days after Original Medicare benefits are used
- Part B coinsurance (except for a $20 copay for office visits and a $50 copay for emergency room visits)
- Part A deductible
- First three pints of blood
- Part A hospice care coinsurance
- Part A skilled nursing facility care coinsurance
- 80% of foreign travel emergencies
Plan N does not cover the Part B deductible or excess charges.
Enrolling in Plan N in Florida
To be eligible for Plan N in Florida, you must be 65 or older and enrolled in Medicare Part A and Part B. Some individuals under 65 with a disability may also be able to apply.
You can apply for this plan during your Medigap Open Enrollment Period, which begins when you turn 65 or older and are enrolled in Medicare Part B for the first time. This period only happens once and lasts for six months.
Applying during this time guarantees that all beneficiaries will be accepted and will not be denied because of pre-existing health conditions.
Bottom Line
Plan N is the second favorite Medicare Supplement plan for new enrollees and ranks third nationwide. It's a solid choice for those seeking comprehensive coverage but willing to handle some out-of-pocket costs.
By accepting slightly higher financial risk, you can lower your monthly premium. If you're healthy, don't often see the doctor, and your providers accept Medicare's approved amount, the savings on premiums can balance out your copays.
FAQs
You do not need referrals to see specialists under Medicare Supplement Plan N. You can choose any doctor or specialist that accepts Medicare.
You can generally change your Medicare Supplement plan at any time. However, you may be subject to medical underwriting or face higher premiums if you switch plans after your Medigap Open Enrollment Period.
The main difference between Plan N and Plan G is the coverage for Part B excess charges. Plan G covers these charges in full, while Plan N requires you to pay up to 15% of the cost out-of-pocket.
No, Plan N does not include prescription drug coverage. You would need to enroll in a separate Medicare Part D plan to get coverage for your prescription medications.
Yes, like most health insurance, your Plan N premiums may increase over time due to inflation, changes in the healthcare market, or other factors. However, the rate of increase and the factors influencing it can vary between insurance companies.
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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