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Florida Medigap Plans

Medicare Supplement Medigap plans help cover additional health care costs related to the Original Medicare (Part A) and (Part B) copayments, deductibles, and coinsurance as well as other out of pocket costs. Florida Medicare beneficiaries have several Medicare Supplement choices which depends on where you live in Florida. You need to understand the different Medigap insurance plans each cover to find out which plan will work best for your personal health needs and budget.


You need to understand there are 10 different standardized Medigap plans that are identified by letters A-D, F, G, K, L, and M and that all plans using the same letter, the benefits are the same.  For example, a Medigap Plan K in Miami has the same benefits a Medigap K will have in Fort Lauderdale but the premiums for the policies may be different. These 10 plans are used in 47 states, the 3 states that are different are Massachusetts, Minnesota, and Wisconsin which offer different Medigap supplementary plans.

You must be currently enrolled in the Original Medicare (Part A & Part B) to qualify for enrollment in Medigap for Florida or the other states offering the same Medigap plans. During the six month Medigap Open Enrollment Period “OEP” is the best time to enroll. This begins on the first day of the same month you are 65 years old or older and that you are already enrolled in Medicare Part B. You can enroll in any Medigap plan during the OEP that is being offered by any of the insurers that are located in your area without having to submit to a medical underwriting check. You can still enroll in a Medigap plan after the Medigap Open Enrollment Period, the insurer may request a medical background resulting in a pre-existing condition causing restrictions to be placed on your coverage. This could also cause your Medigap coverage to cost more or you could possibly be denied coverage all together.

Keep in mind that the Medigap plans are not intended to take the place of Original Medicare and in order to keep your supplementary coverage you have to continue paying your premium for Medicare Part B to keep this coverage.


Florida Medigap Plans | Florida Supplementary Health Plans | Medigap Open Enrollment Period