Medicare Supplement Plans in Jacksonville, Florida 2026

If you’re approaching Medicare age in Jacksonville, you’ve probably noticed just how many options there are - and how confusing they can be.

Between Medicare Advantage plans, Medigap policies, and prescription drug coverage, it’s easy to feel unsure about where to start.

Here’s the simple truth: Medicare Supplement plans (also called Medigap) are designed to make Medicare more predictable. They fill in the gaps that Original Medicare (Part A and Part B) leaves behind - like deductibles, copays, and coinsurance - so you can budget for healthcare with confidence.

Jacksonville has one of the largest retiree populations in Florida, and with that comes a competitive market for Medigap coverage.

That’s good news for you - more carriers, more plan choices, and more opportunities to find the perfect balance between affordability and reliability.

Our goal with this page is to give you a clear, straightforward look at what’s available right here in Northeast Florida - how much plans cost, which companies perform best, and how to choose coverage that will stay stable year after year.

Recent Changes in the Medicare Advantage Industry - and Why They Matter

If you’ve been following the Medicare news over the past year or two, you’ve probably noticed a pattern - Medicare Advantage plans are changing fast, and not always for the better.

Across the country, including here in Florida, some of the biggest names in the business are cutting back on their Advantage offerings.

UnitedHealthcare and Humana alone are dropping coverage for more than 1 million members nationwide in 2026, citing rising medical costs and shrinking government reimbursements.

Other companies, like Aetna and Centene, have quietly pulled plans out of select counties or reduced service areas altogether.

Even for those who get to keep their Advantage plan, the changes inside those plans can feel overwhelming.

We’ve seen more:

• Shrinking doctor networks as hospitals and providers push back against slow or reduced Advantage reimbursements.
  
• Stricter prior authorization requirements, which can delay or even deny needed care.
  
• Higher out-of-pocket maximums, with some plans reaching $9,350 a year in 2025.
  
• Fewer plan choices in many Florida counties compared to just a year or two ago.
  

These shifts aren’t just numbers on a spreadsheet - they affect real people. Many of our clients in Jacksonville and throughout Florida have received non-renewal letters, forcing them to shop for new plans with little warning.

Others have discovered that their doctors or hospitals are suddenly out-of-network.

It’s a frustrating situation, and it’s one of the main reasons so many Floridians are switching back to Medicare Supplement (Medigap) coverage.

With a Medigap plan, your benefits never change, your coverage is accepted nationwide, and you never have to worry about losing your plan when a carrier decides to pull out of your county.

It’s steady, transparent, and easy to understand - exactly what you deserve.

As Medicare Advantage continues to evolve, Medigap remains the dependable option for those who want freedom, predictability, and peace of mind in their healthcare.

Most Popular Medicare Supplement Plans in Jacksonville

When it comes to Medicare Supplement insurance, there are ten standardized plans to choose from - each identified by a letter (A through N).

But based on years of experience helping clients across the country, we’ve found that three plans consistently offer the best overall value for most people:

• Plan G
• Plan N
• High Deductible Plan G (HDG)

These options tend to strike the right balance between comprehensive coverage, predictable costs, and long-term rate stability - whether you live in Jacksonville, elsewhere in Florida, or anywhere in the U.S.

Before we dive into how they work, it’s important to understand something that many people don’t realize: Medigap plans are federally standardized.

That means no matter which company you buy from - whether it’s Florida Blue, Mutual of Omaha, or Cigna - the coverage for each plan letter is identical.‍

A Plan G is a Plan G, no matter the carrier. The only differences are the monthly premium, rate stability, and service experience you get from the company.

Let’s take a closer look at how these three top plans compare and why they’ve become the go-to options for so many Jacksonville retirees.

Plan G: The Gold Standard for Coverage

If you’re new to Medicare, Plan G is the most comprehensive Medigap option available today.

It covers all of the major gaps left by Original Medicare except one - the small Part B deductible, which is $257 in 2025.

Once that deductible is met, Medicare and your Plan G together cover 100% of approved medical costs for the rest of the year.

That means no surprise bills, no coinsurance, and no network restrictions.

Plan G is ideal for those who want predictable healthcare costs and peace of mind knowing that virtually every expense is taken care of.

It’s especially popular among retirees who visit specialists or travel frequently between Florida and other states.

Plan N: Balanced Coverage with Lower Monthly Premiums

Plan N offers almost the same protection as Plan G but trades a slightly lower premium for a few small out-of-pocket costs.

With Plan N, you’ll pay:

• A $20 copay for most doctor visits
  
• A $50 copay for ER visits that don’t result in hospital admission
  

In exchange, you’ll typically save $20–$40 per month compared to Plan G.

Plan N also doesn’t cover “Part B excess charges,” which are extra fees some doctors can bill beyond the Medicare-approved amount - though in Florida, this is rarely an issue since most providers accept Medicare assignment.

For healthy Jacksonville retirees who see their doctor only a few times a year, Plan N is a smart way to lower monthly costs without sacrificing strong protection.

High Deductible Plan G (HDG): Affordable Premium, Bigger Safety Net

If you’re looking for the lowest monthly premium possible while still maintaining the full coverage of Plan G, High Deductible Plan G (HDG) might be the perfect fit.

With HDG, you’ll pay the same benefits as standard Plan G after you meet a higher annual deductible - $2,870 in 2025.

Once that deductible is met, the plan covers 100% of the same expenses that regular Plan G would.

Many of our clients in Jacksonville like HDG because it keeps monthly costs low  (often under $60 per month) while still offering the peace of mind that comes with a true Medigap policy.

It’s especially appealing for those who rarely visit the doctor or prefer to self-insure for smaller expenses in exchange for long-term savings.

Why These Plans Dominate in Jacksonville

These three plans - Plan G, Plan N, and High Deductible G - strike the perfect balance of coverage, affordability, and stability.

They work with any doctor or hospital that accepts Medicare (and that’s nearly all of them), they don’t require referrals, and their benefits never change from year to year.

With Medigap, you’re in control of your healthcare - not a network or an insurance company.

And because the plans are standardized, you can shop by company reputation and rate history, not by benefit differences.

Our Favorite Medigap Companies

Choosing a Medicare Supplement plan isn’t just about finding the lowest premium - it’s about choosing a company that will be there when you need them most.

Over the years, we’ve compared dozens of carriers across Florida and worked with thousands of clients in Jacksonville.

The four companies below have consistently earned our confidence for their reliability, service, and long-term rate performance.

#1. Florida Blue (Blue Cross Blue Shield of Florida)

As Florida’s own health insurer, Florida Blue continues to lead the way in Medicare Supplement coverage statewide.

They have one of the largest provider networks in Florida, which means nearly every doctor and hospital that accepts Medicare also accepts Florida Blue Medigap plans.

They’re especially known for competitive Plan G rates, dependable customer service, and a history of steady renewal pricing - making them one of the most stable options for retirees who want predictable coverage.

If you like working with a Florida-based company that understands the state’s healthcare system and has built deep local relationships, Florida Blue is a natural fit.

#2. UnitedHealthcare (UHC)

UnitedHealthcare is the largest Medicare Supplement provider in the country, serving more than 4 million members nationwide - and a significant share of them right here in Florida.

Their Plan G and Plan N options are among the most popular and widely available in Jacksonville.

Members also have access to Renew Active®, which includes free gym memberships, brain health tools, and preventive wellness programs.

UHC uses a community-rated pricing model, which means your premiums don’t automatically increase each year based solely on age.

Combined with their strong financial backing from UnitedHealth Group, they offer peace of mind and nationwide stability.

If you want a plan with national reach, trusted branding, and long-term reliability - UnitedHealthcare is one of the best options on the market.

#3. Cigna Healthcare

For retirees looking for affordable premiums without sacrificing service, Cigna Healthcare often ranks among the most cost-effective carriers in the Jacksonville area.

Cigna’s Plan N and High Deductible Plan G are frequently priced below competitors, making them excellent options for those who prefer lower monthly costs and are comfortable with modest out-of-pocket exposure.

They also offer household discounts, access to wellness programs, and simple online tools that make managing your plan straightforward.

If you value affordability and a smooth customer experience from a name you can trust, Cigna is a top contender.

#4. Humana

Humana is one of the most recognized healthcare brands in Florida. While they’re often associated with Medicare Advantage plans, their Medigap options continue to perform well across the state.

Humana combines a strong Florida presence with user-friendly digital tools, wellness programs, and optional dental and vision add-ons.

Members also have access to 24/7 nurse support and a simple online portal to manage claims and benefits.

For those who want a well-rounded Medigap plan from a nationally respected company, Humana offers both convenience and peace of mind.

Our Take

Each of these companies has proven themselves dependable for Florida retirees, but the right choice depends on what you value most:

• Florida Blue - Best for local service and steady long-term pricing.
  
• UnitedHealthcare - Best for nationwide recognition and added wellness benefits.
  
• Cigna - Best for affordability and simple, straightforward coverage.
  
• Humana - Best for technology, wellness extras, and easy online access.
  

No matter which you choose, all four companies offer standardized Medigap coverage, meaning the benefits are identical - the difference lies in pricing, service, and long-term satisfaction.

Medicare Supplement Plan Costs in Jacksonville (2026 Estimates)

Choosing a Medigap plan is personal - rates vary by ZIP code, age, gender, tobacco status, and whether you qualify for a household discount.

To help you get a clear picture, here’s what a 65-year-old non-smoker living in Jacksonville (ZIP 32256) might expect to pay for the most popular plans in 2026.

Medicare Supplement (Medigap) prices in Jacksonville can vary quite a bit depending on your age, ZIP code, gender, and tobacco use - even though the benefits are identical from one company to another.

Below are more sample rates taken from current filings and industry data. Your actual premium may differ slightly depending on your eligibility for discounts or other personal factors.

Summary

High Deductible Plan G provides the same coverage as standard Plan G, but only after you meet a $2,870 annual deductible (2025).

It’s a smart option for those who rarely visit the doctor or prefer the lowest monthly cost possible while keeping full Medigap protection.

Across the Jacksonville market, Florida Blue offers some of the most stable long-term pricing and local service support.

UnitedHealthcare stands out for its nationwide strength and wellness perks Cigna consistently provides competitive pricing on Plan N and HDG.

Humana delivers a good balance of affordable coverage and convenience-focused features.

Remember: All Medigap plans are federally standardized - meaning a Plan G from one company covers the exact same benefits as Plan G from another. What differs is price, rate stability, and customer experience.

That’s why comparing carriers side by side is so important - and why working with an independent guide can help you find the right plan that fits both your healthcare needs and your long-term budget.

Discounts and Perks Available in Florida

When you’re comparing Medicare Supplement (Medigap) plans, price and coverage should always come first - but the extras can still add real value, especially if you know how to use them.

In Jacksonville and throughout Florida, several carriers offer household discounts, payment savings, and member perks that can make your plan a little more rewarding.

Household Discounts: 5–12% Savings

Most major Medigap carriers in Florida offer a household discount when two people living at the same address enroll with the same company.

The exact percentage varies by carrier - typically between 5% and 12% - but it’s one of the easiest ways for couples to save each month.

For example:

• Florida Blue offers up to a 5% household discount.
  
• UnitedHealthcare includes a 10% discount for eligible members.
  
• Cigna and Humana both extend household savings in most Jacksonville ZIP codes, depending on plan type and enrollment date.
  

Automatic Payment and Renewal Stability

If you sign up for Electronic Funds Transfer (EFT) or autopay, some carriers provide a small administrative savings - often around $2–$5 per month - and you’ll never have to worry about missed payments or paper bills.

Even more important than small discounts, though, is renewal rate stability.

Companies like Florida Blue and UnitedHealthcare have built strong reputations in Florida for steady annual rate adjustments, helping retirees avoid sudden premium spikes year over year.

Member Perks and Wellness Programs

Beyond pricing, each company offers its own member benefits - small but meaningful extras designed to support overall wellness.

• Florida Blue - Blue365® Program: Members enjoy discounts on gym memberships, vision and hearing care, nutrition programs, and lifestyle products through Blue365®, a national member perks platform available year-round.
  
• UnitedHealthcare - Renew Active®: Provides free gym memberships, online fitness classes, and brain health tools for cognitive wellness - all included at no extra cost with Medigap enrollment.
  
• Cigna - Wellness+ Program: Offers access to preventive health resources, discounts on wellness products, and health coaching tools to support seniors in staying active and informed.
  
• Humana - SilverSneakers® and Digital Wellness Access: Members can take part in SilverSneakers® fitness programs, plus access 24/7 nurse lines, digital tools, and preventive health webinars.

Medigap vs. Medicare Advantage: Which Works Better for You?

If you’re new to Medicare, one of the first big decisions you’ll face is whether to go with a Medicare Advantage plan or a Medicare Supplement (Medigap) plan.

Both options help pay for the costs that Original Medicare doesn’t cover - but how they do it is very different.

Here’s a clear, side-by-side look to help you understand the tradeoffs - and why, for many Floridians, Medigap is the more dependable long-term choice.

Medicare Supplement (Medigap): The Predictable, Nationwide Option

Pros

• Freedom to choose any doctor or hospital that accepts Medicare - no networks, referrals, or provider restrictions.
  
• Stable, predictable coverage that never changes year to year. Once you have a Medigap plan, your benefits stay the same for life.
  
• Nationwide coverage, ideal for Jacksonville retirees who travel or spend part of the year in another state.
  
• Simple claims process - most doctors bill Medicare directly, and your Medigap plan automatically covers the remainder.
  
• Guaranteed renewability - your plan can never be canceled as long as you pay your premium.
  

Cons

• Monthly premiums are higher than most Medicare Advantage plans.
  
• Prescription drug coverage (Part D) must be purchased separately.
  
• No dental or vision coverage unless you add it as a separate plan.
  

Ideal For: Retirees who want freedom, predictability, and peace of mind - especially those who travel, see multiple specialists, or value consistent coverage without annual surprises.

Medicare Advantage: The Managed Care Alternative

Pros

• Lower monthly premiums - some plans even advertise $0 premiums.
  
• Often include extra perks, such as dental, vision, hearing, and gym memberships.
  
• All-in-one convenience, with hospital, medical, and prescription drug coverage under one plan.
  

Cons

• Limited provider networks - you must use in-network doctors or risk higher out-of-pocket costs.
  
• Prior authorizations can delay or deny care.
  
• Benefits change every year, and plans can drop doctors, adjust drug lists, or raise copays annually.
  
• Coverage is local, not nationwide - you’re often restricted to certain Florida counties or service areas.
  
• Some plans come with high out-of-pocket maximums - up to $9,350 per year in 2025.
  

Ideal For: Those looking for a short-term lower-cost option who don’t mind network rules or yearly plan changes.

Our Take

For most retirees in Jacksonville, Medigap coverage provides the flexibility and stability that Medicare Advantage simply can’t match.

It’s the kind of plan that lets you focus on your health - not the fine print.

Yes, the monthly premium might be a little higher, but for people who want to keep their doctors, travel freely, and avoid annual surprises, Medigap is usually the better long-term investment.

How to Enroll in a Medicare Supplement Plan in Jacksonville

Getting started with a Medicare Supplement plan doesn’t have to be complicated - but timing matters.

Whether you’re turning 65 or switching from another type of coverage, following the right steps can help you lock in the best plan at the best rate.

Here’s how to do it, step by step.

Step 1: Enroll in Medicare Parts A and B

Before you can purchase a Medigap plan, you’ll need to have Original Medicare (Part A and Part B) in place.

Most people enroll around their 65th birthday or after leaving an employer group plan.

Once you’re enrolled in both Parts A and B, you’re officially eligible to apply for a Medicare Supplement policy.

Step 2: Compare Plans During Your Medigap Open Enrollment Period

Your Medigap Open Enrollment Period is the best time to sign up. It starts the month your Part B coverage begins and lasts for six months.

During this window, you can:

• Enroll in any Medigap plan offered in Florida.
  
• Skip medical underwriting, meaning you can’t be denied coverage or charged more for health conditions.
  

After this period ends, you can still apply - but insurance companies may require health questions or could deny your application.

Step 3: Review Pricing for Your ZIP Code

In Jacksonville, Medigap rates can vary even within the city depending on your ZIP code, age, gender, and tobacco status.

That’s why it’s important to review local pricing - not just state averages.

For example, Plan G premiums in the Jacksonville area can range from about $230 to $250 per month, depending on the carrier.

A good agent will help you compare rates across multiple companies so you don’t overpay for identical coverage.

Step 4: Choose the Plan That Fits Your Needs and Budget

Once you’ve compared options, pick the plan that aligns with your health habits and long-term goals.

• Plan G is the most popular choice for retirees who want full coverage and predictable costs.
  
• Plan N offers lower monthly premiums with small copays.
  
• High Deductible Plan G is a great fit for those who want to minimize monthly expenses and don’t visit the doctor often.
  

Your agent can walk you through what each plan would look like for your specific situation and help you decide which company offers the best fit.

Special Enrollment Situations

If you’re leaving a Medicare Advantage plan or recently moved to a new area, you may qualify for a Guaranteed Issue Right.

This means you can enroll in certain Medigap plans without medical underwriting, even outside of your Open Enrollment window.

Guaranteed issue protections can help you transition smoothly without losing coverage or paying higher rates.

Final Tip: It pays to plan early. Start comparing plans a few months before you turn 65 or before your Advantage plan ends. That way, you’ll have plenty of time to review your options, understand your choices, and enroll without pressure.

Bottom Line

Here’s the truth: the best Medicare Supplement plan doesn’t always come from the biggest brand - it comes from the company offering the best rate for the exact same coverage.

Because all Medigap plans are federally standardized, a Plan G from Florida Blue covers the exact same benefits as a Plan G from Cigna or UnitedHealthcare.

The difference is in price, rate stability, and service experience.

That means sometimes, the lowest-cost plan from a strong, reputable company is actually the smartest move. You’re getting identical protection - just at a better value.

So instead of focusing on marketing promises or bundled perks, focus on what really matters:

• Stable premiums
  
• Reliable claims service
  
• A company with a solid reputation for standing behind its members
  

Whether you’re new to Medicare or shopping for better coverage after a move, we’ll help you find a plan that’s affordable, stable, and accepted anywhere you go - without the stress or guesswork.

At Policy Guide, our approach is simple: no sales pressure, no confusion - just honest, experienced advice from people who treat your coverage like it’s their own.