How Much Is Supplemental Medicare Insurance In Florida? 
Medicare Supplement in Florida is affordable , but the specific rates depend on four factors : Where you live , your current age , male or female , and smoker or non-smoker . The rates are standardized , and the ability to change from one Medicare Supplement to another requires that you are approved through health underwriting . When you are turning 65 and looking for a Medicare Supplement , you have an open enrollment opportunity , with no health underwriting considerations at all . The most important thing to remember is that the plan that you picked when you turned 65 is not , necessarily , the plan you should stick with for the rest of your life . The rates go up with all companies and at different speeds . Your agent should be shopping the market for you at each and every anniversary of your policy . You should also pick an independent agent , as opposed to an agent that works for only one company . The difference in the premium offered by an agent that only works for AARP or Mutual of Omaha , vs. a broker that can bring any and all carriers , can be a difference of $ 100 per month or more . This is for the same , exact , standardized Medicare Supplement plan . All of the plans are the same - a Plan F with one carrier has the same benefits and providers that accept it , as the Plan F with the other companies . The only difference is the price . See your `` Medicare & You '' guidebook where it says this exact same thing . My agency has saved seniors over $ 1 million in premium since we 've been in business . Typically , the savings are $ 600 per year when we are shopping a plan from where they were with their old carrier . Again , demand that your agent shop these plans for you every year . Your doctor does not care what name is on the insurance card , or how much you paid in premiums . He or she is still going to give you great care . You should get the most insurance for the money , and with Medicare Supplement insurance in Florida , there is a great difference in the premiums for Medicare Supplement insurance . 