There are 2.2 million Floridians with Original Medicare, and they have many options for Medicare Supplement Insurance. We reviewed pricing, complaint rates and more to find the best companies that sell Medigap plans in Florida — four of them were among our highest scorers.
Floridians with Medicare Part A and Part B can purchase Medicare Supplement Insurance, or Medigap, to help cover certain out-of-pocket expenses like copays, coinsurance and deductibles left over after Medicare pays for covered services. About 930,000 Floridians had Medigap coverage as of the end of 2023.
Here’s what you need to know about finding the best Medigap policy for you in Florida.
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Compare the best Medicare Supplement plans in Florida
Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Premium discounts available | Learn more |
|---|---|---|---|---|---|
BEST FOR MEDIGAP PLAN OPTIONS | (844) 939-0223 / TTY 711 Call UnitedHealthcarefrom UnitedHealthcare | ||||
5.0/5 | A, B, C, F, G, K, L and N. | Far fewer than expected | Above average | ||
BEST FOR PREMIUM DISCOUNTS | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETon NerdWallet | ||||
4.5/5 | A, F, G and N. | Far fewer than expected | Above average | ||
BEST FOR MEMBER SATISFACTION | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | ||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.0/5 | A, C, D, F, G and N. | Far fewer than expected | Below average | |
BEST FOR LOW PREMIUMS | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | ||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.0/5 | A, F, G and N. | More than expected | Above average | |
Top-rated Medicare Supplement plans in Florida
The federal government doesn’t calculate official star ratings for Medicare Supplement Insurance, so NerdWallet developed our own data-driven ratings. Below are companies in Florida that scored best on NerdWallet’s Medigap rubric. (See our ratings methodology for more on how we evaluate Medicare Supplement Insurance companies.)
5-star plans (NerdWallet rating)
4.5-star plans (NerdWallet rating)
4-star plans (NerdWallet rating)
» MORE: Best Medicare Supplement Insurance companies
Medicare Supplement Insurance prices in Florida
Here are prices for Medigap Plan G and Plan N, the most popular plans available for new Medicare members, from the companies in Florida that scored 4 stars or better on NerdWallet’s Medigap rubric.
The table below shows price estimates for a 65-year-old female nonsmoker in Jacksonville, Florida, as filed with the Centers for Medicare & Medicaid Services. (Note: Some Medigap prices may be higher for males.)
Insurance company | Plan G monthly premiums | Plan N monthly premiums |
|---|---|---|
State Farm | $192. | $147. |
AARP/UnitedHealthcare | $212. | $181. |
Mutual of Omaha | $215. | $157. |
Cigna | $241. | $179. |
For reference, here are the lowest premiums available from any company for the two plans in Jacksonville, according to the Medicare plan finding tool:
Medigap Plan G: $182 per month.
Medigap Plan N: $140 per month.
» MORE: Best Medicare Supplement Plan G companies
More Nerdy Perspective
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Largest Medicare Supplement Insurance companies in Florida
Medigap plans are regulated by the government, but they’re sold by private insurance companies. Here are Florida’s five most popular Medicare Supplement Insurance companies as of the end of 2023:
Insurance company | Plan G monthly premiums | Plan N monthly premiums |
|---|---|---|
State Farm | $192. | $147. |
AARP/UnitedHealthcare | $212. | $181. |
Mutual of Omaha | $215. | $157. |
Cigna | $241. | $179. |
Most popular Medicare Supplement Insurance plan types in Florida
There are 10 standard Medigap plan types available in Florida (Plan C and Plan F aren’t available for new Medicare members), but enrollment is concentrated in just a handful of plans. The three most popular plan types cover more than 83% of Florida’s Medigap members.
These are Florida’s three most popular Medicare Supplement Insurance plan types:
54% have Medigap Plan F — the most comprehensive coverage of any Medigap plan.
19% have Medigap Plan G — the highest-coverage option available to new Medicare members.
10% have Medigap Plan N — a plan with lower premiums but higher copays.
Medigap Plan F isn’t available to Medicare beneficiaries who became eligible for Medicare on or after Jan. 1, 2020. Medigap Plan G is the most similar option that’s available to all Medicare beneficiaries.
Medicare resources in Florida
State Health Insurance Assistance Program, or SHIP: Florida’s Serving Health Insurance Needs of Elders program, or SHINE, is its State Health Insurance Assistance Program. SHINE provides free information and counseling about Medicare options, processes and costs.
Florida Office of Insurance Regulation: Maintains public databases of Medicare Supplement Insurance rates and other health care and insurance data.
Florida Department of Financial Services: Provides insurance information for consumers and handles insurance-related complaints.
Find the right Medicare Supplement Insurance plan
Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:
Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.
What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.
Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.
Are there extras? Medigap plans’ core benefits are standardized, but in certain cases, some companies include such perks as discount programs or gym memberships.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Looking for more insurance in Florida? Check out these resources:
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Centers for Medicare & Medicaid Services. Medicare Monthly Enrollment. Accessed Mar 6, 2025.
- 2.National Association of Insurance Commissioners. 2023 Medicare Supplement Loss Ratios. Accessed Mar 6, 2025.
- 3.Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Mar 6, 2025.
- 4.AHIP. The State of Medicare Supplement Coverage. Accessed Mar 6, 2025.
Medicare Advantage review methodology
The Medicare Advantage marketplace is concentrated among just a handful of companies; in many places, one insurer serves more than half of the market. NerdWallet reviewed 26 Medicare Advantage brands, with some insurers having more than one brand under their umbrella. (For example, Blue Cross Blue Shield includes the brands Anthem and Highmark.) At the national level, these reviews include nine of the 10 largest brands by enrollment. At the state level, our research includes at least one major insurer in 47 of the 49 states that offer Medicare Advantage plans, and includes the top two insurers in 35 of those states. (Alaska doesn't offer Medicare Advantage plans.) We also look at online search volume to identify regional and other notable players in the space.
NerdWallet’s Medicare Advantage reviews are based on ratings data from the Centers for Medicare & Medicaid Services, as well as pricing, plan availability by state, plan types available, consumer experience, extra benefits offered and more. These reviews are a guide, but we encourage you to shop around and compare several plans to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines for additional information.