Learn About Medigap Insurance Options for Residents in Fort Myers, Lakeland, Naples, Sarasota, Tampa, Bonita Springs, Bradenton, FL, and all of West, Central, and Southwest Florida
Medigap: What to Know
Florida Blue Medigap Policy Options:
Medigap policies, available through private insurers like Florida Blue, are designed to help cover certain out-of-pocket costs not paid by Original Medicare, such as deductibles, coinsurance, and copayments. These policies can only be used if you are enrolled in Original Medicare Parts A and B.
Florida Blue offers several standardized Medigap plan options to eligible individuals. Plan availability, benefits, and premiums vary by location and eligibility.
Contact a licensed agent to Learn More About Medigap Coverage Options in Your Area
*Certain Medigap plans, such as Plan C and Plan F, are only available to individuals who became eligible for Medicare before January 1, 2020. Speak with a licensed representative for personalized information. Florida Blue is an independent licensee of the Blue Cross and Blue Shield Association and a contracted Medicare insurer.
Comparison of Standardized Medigap Plan Benefits
Medigap plans are standardized insurance policies designed to help cover some out-of-pocket costs not paid by Original Medicare (Parts A and B), such as copayments, coinsurance, and deductibles. Here’s a general overview:
| Plan | General Description |
|---|---|
| Plan A | Covers basic benefits like Medicare Part A coinsurance and hospital costs, Part B coinsurance, and hospice care coinsurance. |
| Plan B | Includes everything in Plan A plus coverage for the Medicare Part A deductible. |
| Plan C* | Adds skilled nursing facility coinsurance, Part B deductible, and foreign travel emergency care. Only for those eligible before Jan. 1, 2020. |
| Plan D | Similar to Plan C, but does not cover the Part B deductible. Includes skilled nursing and foreign travel emergency coverage. |
| Plan F* | Offers the most comprehensive benefits, including the Part B deductible and excess charges. Only for those eligible before Jan. 1, 2020. |
| Plan G | Includes all Plan F benefits except the Part B deductible. Often selected for broad coverage. |
| Plan K | Covers a percentage of certain services and includes an annual out-of-pocket limit. |
| Plan L | Covers more than Plan K and also includes an annual out-of-pocket limit for covered services. |
| Plan M | Covers 50% of the Part A deductible and other basic benefits with slightly lower premiums. |
| Plan N | Similar to Plan G, but includes cost-sharing for doctor visits and emergency room services. |
*This information is provided for educational purposes only and does not include plan-specific recommendations. Medigap plans are standardized and help cover some out-of-pocket costs under Original Medicare (Parts A and B). Availability of plans, benefits, and pricing may vary by state, eligibility, and insurer. Contact a licensed agent for personalized assistance and current information.
Supportive Resources for Health and Wellness
Florida Blue provides access to wellness support services that may assist members in managing their health. These may include tools and resources such as nurse lines, care coordination services, health assessments, and educational materials.
These services are designed to help individuals make informed decisions about their care, manage existing conditions, and understand available benefits. Participation in wellness resources is voluntary and varies by plan and service area.
To learn more about how these resources may apply to your Medicare coverage, please speak with a licensed representative or your local Bay Insurance agent.
*This content is for educational purposes only. Florida Blue is a health plan agency with a Medicare contract and is an approved Medicare Part D sponsor. Availability of wellness services may vary by plan and location. No plan-specific information is provided here.