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Supplement Plans

Florida Medicare Supplement Plans

Florida has a large retired population and thus the state offers multiple Medicare Supplemental plans. In Florida, there are 10 types of Medicare Supplement coverage available; these are called Plans A, B, C, D, F, G, K, L, M and N. (These letter denominations are completely separate of and unrelated to Medicare Parts A, B, C and D. People often confuse the two sets—and this confusion is understandable, but it is important for you to know the difference.) Although private-sector insurance companies underwrite, price and administer Medicare Supplement—or “Medigap”—policies, they must follow strict guidelines set by the federal government. In fact, the Feds dictate precisely what forms private companies can offer. Florida plans differ from those in other states, but as mentioned, the large number of people on the various Medicare plans means there are the most options for elderly coverage. Working from these templates, each state then approves the Supplement plans for sale within its borders.

Here is a list of Medicare supplement plans available in the state of Florida.  This data was accurate at the time of publishing, but may no longer be current.  Please contact an advisor for more information.

In addition, below are some important links and contacts for Medicare plans in Florida. If you need more detailed information, feel free to reach out to those below.
The most useful (and most often used) resource for Medicare information in the Sunshine State is the Florida Department of Financial Services Consumer Helpline (1.877.693.5236). This number is the best place to start, if you’re looking for information on specific policies or plans—or other for more information.

You can also get information about other assistance programs at Florida SHINE (Serving the Health Insurance Needs of Seniors). Its web site is www.floridashine.org. If you don’t have an Internet connection, you can contact a SHINE counselor by phone at 1.800.96.ELDER.

In Florida, if you have limited income, you may qualify for a program that helps cover out-of-pockets expenses required by Medicare and Medicare-related plans.
The Extra Help program is available to all eligible Medicare recipients, and to Medicare beneficiaries receiving certain Medicaid assistance. Depending on income levels, individuals will receive assistance with payment of premiums, deductibles and co-pays.
To apply for this program online, go to: www.benefitscheckup.org/florida.

The Florida Office of Insurance Regulation produces a detailed (but somewhat hard-to-read) Medicare Supplement Sample Rate Search on the Internet. The Search site is located at https://apps.fldfs.com/mcws/CWSSearch.aspx
The Office of Insurance Regulation offers a more-detailed Medicare Supplement Sample Rate Search on its website at https://apps.fldfs.com/mcws/default.aspx. This site provides sample rates by company and plan.

You may also access the CMS 2012 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare at http://www.medicare.gov/publications/pubs/pdf/02110.pdf for information on benefits.

Company Phone Rating Class
AETNA LIFE INSURANCE COMPANY 800-557-5078 Non-Distinct
AMERICAN PIONEER LIFE INSURANCE COMPANY 800-444-0321 Non-Distinct
AMERICAN PIONEER LIFE INSURANCE COMPANY 800-538-1053 Non-Distinct
BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. 800-876-2227 Non-Distinct
COLONIAL PENN LIFE INSURANCE COMPANY 800-523-9100 Non-Distinct
COLUMBIAN MUTUAL LIFE INSURANCE COMPANY 866-297-2372 Non-Distinct
CONNECTICUT GENERAL LIFE INSURANCE COMPANY 800-244-6224 Non-Distinct
EVERENCE ASSOCIATION, INC. 800-348-7468 Non-Distinct
GERBER LIFE INSURANCE COMPANY 877-778-0839 Non-Distinct
GLOBE LIFE AND ACCIDENT INSURANCE COMPANY 800-801-6831 Non-Distinct
GOVERNMENT PERSONNEL MUTUAL LIFE INSURANCE COMPANY 866-242-7573 Non-Distinct
HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY 800-368-3653 Non-Distinct
HARTFORD LIFE INSURANCE COMPANY 800-368-3653 Non-Distinct
HEALTH FIRST INSURANCE, INC. 855-443-4735 Non-Distinct
HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. 888-310-8482 Non-Distinct
HUMANADENTAL INSURANCE COMPANY 800-798-8704 Preferred
HUMANADENTAL INSURANCE COMPANY 800-798-8704 Standard
LIBERTY NATIONAL LIFE INSURANCE COMPANY 800-331-2512 Preferred
LIBERTY NATIONAL LIFE INSURANCE COMPANY 800-331-2512 Standard
MUTUAL OF OMAHA INSURANCE COMPANY 800-775-6000 Non-Distinct
MUTUAL OF OMAHA INSURANCE COMPANY 800-775-6000 Non-Distinct
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY 555-555-5555 Non-Distinct
STATE MUTUAL INSURANCE COMPANY 888-764-1936 Non-Distinct
STATE MUTUAL INSURANCE COMPANY 888-764-1936 Non-Distinct
STERLING INVESTORS LIFE INSURANCE COMPANY 800-321-0102 Preferred
STERLING INVESTORS LIFE INSURANCE COMPANY 800-321-0102 Standard
STONEBRIDGE LIFE INSURANCE COMPANY 888-272-9272 Non-Distinct
TRANSAMERICA LIFE INSURANCE COMPANY 800-247-1771 Non-Distinct
TRANSAMERICA LIFE INSURANCE COMPANY 800-247-1771 Non-Distinct
UNITED AMERICAN INSURANCE COMPANY 800-331-2512 Non-Distinct
UNITED AMERICAN INSURANCE COMPANY 800-331-2512 Preferred
UNITED AMERICAN INSURANCE COMPANY 800-331-2512 Standard
UNITEDHEALTHCARE INSURANCE COMPANY 800-523-5800 Non-Distinct
UNITEDHEALTHCARE INSURANCE COMPANY 800-523-5800 Non-Distinct
USAA LIFE INSURANCE COMPANY 800-531-8000 Non-Distinct