There are 264,634 beneficiaries enrolled in Medicare in Tampa, Florida, and nearly 57% are Medicare Advantage plan participants. Below, we will go over the Medicare Supplemental plans available in Tampa.

Supplemental Medicare Plans in Tampa, Florida

Florida Medicare Supplemental plans are popular for individuals enrolled in standard Medicare. Medicare Advantage and Medigap plans cover the gaps in Part A and Part B.

Medigap plans do not provide prescription drug coverage, so enrollment in Part D to cover prescription medications is highly recommended. Medicare Advantage plans offer several options for prescription drug coverage so you can select the best method to suit your healthcare needs.

The quotes below are based on a male or female beneficiary between 65 and 70.

Affordable Medicare Advantage Plans in Tampa, Florida

55 Florida Medicare Advantage beneficiary plans are available in Tampa and Hillsborough County.

Optimum Healthcare (HMO) is the top-rated plan in Tampa, Florida, with a $0 per month premium and a Maximum Out-of-Pocket (MOOP) charge of $1,200.

Another option, Florida Blue, offers a zero-dollar premium and a $2,000 MOOP.

Humana (Regional PPO) also offers a $0 premium with a much higher MOOP of $7,550.

PLAN PREMIUM MOOP Plan Type Star Rating
Optimum Healthcare $0 $1,200 HMO 5
Freedom Health $0 $3,400 HMO 4
Florida Blue $0 $2,000 HMO 4
Devoted Health $0 $1,900 HMO 4
Humana $0 $7,550 Regional PPO 3

Affordable Medicare Supplement Plans in Tampa, Florida

The federal government standardized Medicare Supplement plans like Florida Original Medicare plans, so there are no changes in benefits from state to state or between Medicare insurance carriers. Monthly premium costs are the only variation between Medicare Supplements plans, and premiums can vary significantly from state to state.

Medicare Supplement and Medigap are used interchangeably when referring to insurance plans that provide extra coverage for healthcare expenses not covered by Part A and Part B. These expenses would otherwise be paid for out-of-pocket.

Medigap benefits do not change yearly, so the same options are available as in previous years. The plans are also standardized, so Medigap Plan G, for example, offers the same coverage as any Medicare Advantage or Medigap carrier.

Many Medicare experts consider Plan G the best Medigap plan because it requires no copays or coinsurance, and you only need to pay the Part B deductible. Medigap Plan G costs range from $170-$238 per month.

The high deductible version of Plan G offers the same benefits but with a lower premium courtesy of a higher deductible. Average costs for an HDG plan are between $46-103 per month.

Medigap Plan N is a cheaper alternative to Plan G with lower premiums. Plan N premiums run between $129-$181 per month, but the plan requires copays at the emergency room and doctor’s office.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $135.00 $210.58
PLAN B $178.00 $228.73
PLAN C $185.66 $249.22
PLAN D $196.18 $207.00
PLAN F $186.27 $260.66
PLAN HDF $46.00 $103.00
PLAN G $170.40 $238.19
PLAN HDG $46.00 $103.00
PLAN K $60.65 $131.48
PLAN L $123.61 $193.97
PLAN M $183.60 $218.46
PLAN N $129.00 $180.88

Affordable Medicare Part D in Tampa, Florida

Florida Part D plans provide coverage for prescription drugs. Most Medicare Advantage plans offer prescription drug coverage, but a Part D plan is necessary for those who don’t. Medigap plans do not cover prescriptions, so you must enroll in a Part D plan.

Part D plans in Tampa, Florida, start at $8 per month and range up as high as $35 per month. The Aetna SilverScript SmartRx plan runs $7.70 monthly with a $480 deductible. Prescription costs with this Part D plan are as low as $1 on many generic medications.

Humana offers the highest-rated Part D plan in Tampa, Florida, with a $480 deductible and a monthly premium of under $23.

The Part D plan from Mutual of Omaha is rated three stars and features the same deductible of $480, with the highest premium at $35.20 per month.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $7.70 $480 3
Wellcare $12.00 $480 3
Clear Spring Health $19.70 $480 2
Humana $22.70 $480 4
Mutual of Omaha $35.20 $480 3

Medicare Special Needs Plans

Special Needs Plans (SNPs) are tailored Medicare Advantage plans that provide coverage for people with chronic and disabling conditions. SNPs may not be available in all areas.

Optimum Healthcare (HMO) provides coverage for individuals with chronic or disabling conditions. There is no premium for coverage, and the MOOP is set at $2,500.

Freedom Health (HMO) also offers coverage for chronic and disabling conditions. The SNP charges a zero-dollar premium and higher MOOP at $3,400.

Another type of Special Needs Plan is the Dual-Eligible Special needs Plan or D-SNP, meaning they provide coverage to you if you are eligible for Medicare and Medicaid. Simply Healthcare gives dual-eligible coverage with an Out-of-Pocket maximum of $3,400.

PLAN PREMIUM MOOP Plan Type Eligibility
Freedom Health $0 $3,400 HMO Chronic or Disabling
Optimum Healthcare $0 $2,500 HMO Chronic or Disabling
Simply Healthcare $0 $3,400 HMO Dual-Eligible
Ultimate Health Plans $0 $3,400 HMO Chronic or Disabling
Careplus Health Plans $0 $3,400 HMO Chronic or Disabling

FAQs

What is the Medicare landscape like in Tampa, Florida?

Medicare in Tampa, Florida, offers many options for Supplements, including Plan G and N through many large HMO and PPO networks and Part D prescription drug plans. Medicare Supplements may be premium-free based on eligibility or can be purchased on their own as needed.

What do Medicare Part A and B cover in Tampa, Florida?

Part A provides coverage for inpatient hospital care, while Part B pays for durable medical equipment and doctor’s services.

Which company has the lowest prices on supplemental Medicare plans in Tampa, FL?

While most Medicare Advantage plan carriers in Tampa charge $0 premiums, the Optimum Healthcare plans also have a low MOOP threshold.

Do all hospitals in Florida accept Medicare?

Hospitals and inpatient facilities must apply to the Centers for Medicare and Medicaid Services (CMS) and be accredited to participate in the program.

How to Sign Up for Supplemental Medicare in Tampa, Florida

Our licensed agents are ready to assist you in choosing the proper Medicare Advantage, Medigap, or Part D plan for your healthcare needs. Call us today to discuss available Medicare Supplement plans in Tampa, Florida, or complete our online form to get rates.

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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.