Florida has just about 4.6 million individuals enrolled in and relies upon Medicare. With a state that’s seen rapid growth and continues to increase its number, Medicare isn’t going to shrink in importance to the second-biggest population of people aged 65 or older.

So we’ll look at the number of people enrolled in various parts of Medicare, their options, and resources that can pair them with their desired benefits.

Overview of Florida Medicare

  • Around 2,450,000 beneficiaries of Part A, Part B, or both reside in the Sunshine State.
  • 1,900,000 of those recipients aged into Medicare, while roughly 230,000 were enrolled due to a disability.
  • Another 2,230,000 boomers are enrolled in Medicare Advantage.
  • Nearly 3,460,000 also enjoy Medicare Part D for their prescription drugs.

Medicare Costs for Coverage in Florida

Part A and Part B of Medicare have standard coverage and costs, as mandated by the U.S. government. So there shouldn’t be a surprise for Floridians.

Let’s look at what these parts of Medicare cover: Part A is for anything related to hospital visits and is also known as inpatient care. Part B refers to all other health care services like yearly checkups, visits to specialists, flu shots, or other outpatient treatments.

Medicare Part A Costs in 2022 Medicare Part B Costs in 2022
  • Part A is premium-free for most
  • Part A deductible is $1,556 per benefit period
  • Inpatient hospital stay days 61-90 is $389
  • The standard Part B premium is $170.10
  • The annual deductible for Part B is $233
  • Medicare pays 80%, you pay 20% out-of-pocket

Original Medicare Coverage for Floridians

A little less than 20% of Floridians have at least one of the two parts of Original Medicare. About 2,160,000 receive benefits from both Part A and Part B.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Sifting Through Supplemental Plans in Florida

The most significant increase in Original Medicare in a single year is occurring now. While Parts A & B have benefits and costs standardized by the federal government, these are not free, all-inclusive coverage plans.

You might find it necessary to add supplemental coverage to be protected entirely health-wise.

Depending on how you view it, it’s both a positive and a negative that Floridians have many supplemental Medicare plans to choose from.

It’s a benefit because there’s a very good chance you can find the right blend of value and comprehensive coverage. But it can be disorienting, on the other hand, to make so many comparisons on your own.

A Medicare Supplement, also known as Medigap, does just that for its beneficiaries: it bridges the gap between what Original Medicare does and does not cover.

Florida residents might desire a plan like this because it can simplify your medical coverage, be easily comprehended, and provide standardized benefits for a small monthly premium.

It’s important to note that Medigap plans do not cover prescription drugs. You’ll want to enroll in a standalone Part D plan to cover your prescriptions at the pharmacy.

For Floridians on a limited monthly budget, a Medicare Advantage plan stands as a great option to explore. Some include prescription coverage, but not all.

Medicare Resources for Floridians

Florida’s Department of Elder Affairs has its own version of a SHIP program called Florida SHINE (Serving Health Insurance Needs of Elders). This organization provides resources and helps with many health aspects, including Medicare.

If you need access or assistance with Medicaid, Florida’s got you covered in that regard as well. The Florida Department of Children and Families and the Agency for Health Care Administration are two great options to find out how to either start receiving Medicaid benefits or manage your existing coverage.

While these resources will get you on the right path, they won’t help you with supplemental Medicare coverage. Don’t worry; we can help with that!

Florida Cities with Estimated Premiums for Medigap Coverage

Each town in Florida comes with its estimated premiums for Medigap coverage. We have estimated at your fingertips for the following cities:

FAQs

What is the best Medicare plan in Florida?

There is no exact answer to this question. Parts A and B cost the same no matter where you live in Florida. If you’re looking at other parts of Medicare to supplement A and B, the best plan for you will be the one where you have the full coverage you want at a affordable price for your budget.

Is Medicare the same as Florida Blue?

Florida Blue is a Health Maintainance Organization (HMO) plan that offers Medicare supplemental plans but is not Medicare itself. Think of Florida Blue as just one of the companies offering Medicare Advantage and supplemental plans.

Is Medicare free in Florida?

The federal government provides Part A of Medicare to you free of charge as long as you’re 65, a U.S. citizen, and have 10 years minimum of work history, or suffer from a disability. Part B also covers the same group of people but carries a small monthly premium.

Signing Up for Supplemental Medicare in Florida

As you can see, it can be a chore to sign up for Original Medicare, let alone any supplemental plans. But if you take advantage of the services of a licensed agent, searching for the right benefits doesn’t have to be difficult.

The best part is the services of an agent are totally free! To receive complimentary assistance from one of our agents, just give us a call or fill out our rate form to get rate quotes for your area.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.