|Plan Type||Est. Premium*|
|Medigap Plan A:||$139.52||(shop rates)|
|Medigap Plan B:||$188.90||(shop rates)|
|Medigap Plan F:||$210.08||(shop rates)|
|Medigap Plan FH:||$52.04||(shop rates)|
|Medigap Plan N:||$168.71||(shop rates)|
*Premiums shown are samples for a 65 year old, non-smoking woman in Florida. You must request a quote to get an exact premium for your situation.
Liberty National Life Insurance Co is licensed in Florida to sell Liberty National Medigap Plans. This page outlines the Medicare Supplement insurance available from this carrier, as well as resources to get an accurate quote. Supplemental insurance protects you from hospital and doctor bills not covered by Original Medicare (e.g., deductibles, copayments and coinsurance, etc.). This insurance carrier has participated in the supplement insurance market for 4 years and offers a range of plans for Florida seniors (see plans offered below). Liberty National received an A+ rating from A.M. Best Company, the leading provider of credit ratings and financial data for the insurance industry.
All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.
Florida seniors with Medicare benefits are eligible to apply for a Liberty National Life Insurance Co Medigap Plan A policy. It's a Issue Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- USAA Life Medigap Plan A (Florida)
- UnitedHealthcare Medigap Plan A (Florida)
- BCBS of Florida Medigap Plan A (Florida)
Plan B is available in most states. It covers basic benefits plus your Skilled Nursing coinsurance, but nothing else. In some rare cases, the premium for this policy could make it worth taking on the risk of those things not covered. Most people find a better alternative by choosing a Plan D, G, or H at a similar price.
You can get Plan B in Florida from Liberty National Life Insurance Co . They use the Issue Age cost method to calculate their monthly rates. Before making your final decision, you might want to compare premiums with these carriers:
- UnitedHealthcare Medigap Plan B (Florida)
- Transamerica Medigap Plan B (Florida)
- BCBS of Florida Medigap Plan B (Florida)
Plan F is the most popular of all supplements. It offers comprehensive coverage for everything Original Medicare doesn’t cover as long as the charge is approved.
There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap. Period.
The two gaps that are not covered are At Home Recovery and Preventative Care. These expenses are not covered by Medicare at all.
Plan F is by far the most commonly purchased Medicare supplement in Florida. Liberty National Life Insurance Co offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in Florida by comparing quotes from these insurance carriers:
- USAA Life Medigap Plan F (Florida)
- UnitedHealthcare Medigap Plan F (Florida)
- Transamerica Medigap Plan F (Florida)
Offering benefits similar to Plan D, Plan N features a $20 co-payment for doctor visits and a $50 co-payment for emergency room visits. These co-pays are applied once the annual deductible is met. Most Plan N premiums are approximately 70% of a Plan F and 77% of Plan D premiums.
Plan N gives you all of the basic coverage benefits, plus it pays your Medicare Part A deductible. You pay the Part B deductible and the Part B excess charges. You are also responsible for a $20 co-pay when you visit the doctor and up to $50 for each emergency room visit. If saving money is your goal, this plan will help. Compare premiums with these carriers before you buy:
- UnitedHealthcare Medigap Plan N (Florida)
- Colonial Penn Medigap Plan N (Florida)
- GPM Life Medigap Plan N (Florida)
You are eligible to apply for a Liberty National Medicare Supplement if you are:
- A resident of Florida,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
Liberty National offers plans in Miami, Fort Lauderdale, West Palm Beach, Tampa, Saint Petersburg, Clearwater, Orlando, Kissimmee, Sanford, Jacksonville, North Port, Sarasota, Bradenton, Cape Coral, Fort Myers, Lakeland, Winter Haven, Deltona, Daytona Beach, Ormond Beach, Palm Bay, Melbourne, Titusville and most other areas of the state.
This page is maintained by 9/22/2015.and was last updated on