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 Medicare beneficiaries enrolled in standard Medicare. Medicare Advantage and Medigap plans cover the gaps in Parts A and B.
Medigap plans don’t 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. Most of the Medicare Advantage plans in the area are HMO plans and will require referrals.
Optimum Healthcare (HMO) is the top-rated plan in Tampa, Florida, with a $0 per month premium and a Maximum Out-of-Pocket cost (MOOP) of $1,200.
Another option, Florida Blue, offers a zero-dollar premium and a $2,000 MOOP.
Humana (Regional PPO) also provides 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 insurance 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 Supplement insurance coverage. However, the premiums can vary significantly from state to state.
The terms Medicare Supplement and Medigap are used interchangeably. They both refer to insurance plans that provide extra coverage for healthcare expenses not covered by Parts A and B that you would otherwise pay out-of-pocket.
Medicare Supplement Plan Options
Medigap health insurance benefits don’t change yearly, so the same options are available in previous years. The plans are also standardized, so Medigap Plan F, for example, offers the same coverage regardless of the Medigap insurance company.
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’s costs range from $170-$238 per month. Plan G will cover all your medical expenses except the Medicare Part D deductible.
The high-deductible version of Plan G offers the same benefits but with a lower premium courtesy of a higher deductible. The 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. It does a great job of keeping your medical costs low.
| 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 don’t 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 drug 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 $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, which provides 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 supplemental Medicare coverage, including Plan G and N, many large HMO and PPO networks, and Part D prescription drug plans.
What do Medicare Part A and B cover in Tampa, Florida?
Part A provides coverage for inpatient hospital care, while Medicare Part B pays for outpatient services, durable medical equipment, and doctor visits.
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 & Medicaid Services (CMS) and be accredited to participate in the program. You can find out if your hospital or provider takes Medicare by using their online provider search tool.
How to Sign Up for Supplemental Medicare in Tampa, Florida
Our licensed agents are ready to assist you in choosing the proper Medicare Advantage plan, Medigap, or Part D plan for your healthcare needs. Call us today to discuss available Medicare Supplement coverage options with one of our licensed insurance agents, or complete our online form to get rates.
