Medicare Supplement Plans in Hillsborough County, FL

Turning 65 in Hillsborough County, Florida, means navigating a crucial decision: should you choose Original Medicare with a Medicare Supplement (Medigap) plan, or go with a Medicare Advantage plan?

This guide breaks down:

• Most popular Medigap plans in Hillsborough County
• Medigap premiums
• The key differences between Medigap and Medicare Advantage (and why Medigap wins)

We’ll also:

• Highlight the top-rated Medigap providers in the region, including Florida Blue
• Cover the latest updates for 2025 that may affect your plan selection

Whether you live in Tampa, Brandon, Riverview, or anywhere in Hillsborough County, this resource will help you make a confident, informed decision.

Let's start with the best Medigap plans.

What Are the Best Medigap Plans in Hillsborough County?

In Hillsborough County, Florida, Medicare beneficiaries have access to a wide range of Medigap plans designed to supplement Original Medicare.

Among these, Plan G, Plan N, and High Deductible Plan G stand out as the most popular and practical choices. Each offers a different balance of coverage and cost, but all are standardized and regulated by the federal government.

Plan G is the most recommended and widely enrolled Medigap plan in the area. It offers nearly comprehensive coverage, helping beneficiaries manage their healthcare expenses with minimal out-of-pocket costs.

This plan is especially popular among new enrollees who became eligible for Medicare after 2020, as it covers all major expenses except for the Medicare Part B deductible.

Plan G covers:

• Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used
• Medicare Part B coinsurance or copayment
• Blood (first 3 pints)
• Part A hospice care coinsurance or copayment
• Skilled nursing facility care coinsurance
• Medicare Part A deductible
• Medicare Part B excess charges
• Foreign travel emergency care (up to plan limits)

Plan N offers solid protection with lower monthly premiums than Plan G, in exchange for small copays and the exclusion of coverage for Part B excess charges.

It's a great option for healthy beneficiaries who are comfortable with some out-of-pocket costs.

Plan N covers:

• Medicare Part A coinsurance and hospital costs
• Medicare Part B coinsurance (except for up to $20 copays for office visits and up to $50 for ER visits)
• Blood (first 3 pints)
• Part A hospice care coinsurance or copayment
• Skilled nursing facility care coinsurance
• Medicare Part A deductible
• Foreign travel emergency care (up to plan limits)

High Deductible Plan G offers the same benefits as standard Plan G, but only after the beneficiary pays a high annual deductible of $2,870 in 2025. During the deductible phase, the beneficiary is responsible for their portion of the Original Medicare costs, which includes, for example, the 20% coinsurance.

It’s an attractive option for those who want to keep monthly premiums low while maintaining strong coverage for major medical events.

High Deductible Plan G covers (after the deductible is met):

• All benefits included in standard Plan G
• Offers the same comprehensive protection once the high deductible is reached

In Hillsborough County, Plan G remains the top choice due to its extensive coverage and predictability.

However, both Plan N and High Deductible Plan G are strong alternatives for those prioritizing premium savings or expecting minimal medical expenses.

Top Medigap Providers in Florida (and Why Florida Blue Stands Out)

Florida has a vibrant Medigap market with many insurers offering policies.

A few companies dominate – and Florida Blue (Blue Cross Blue Shield of Florida) is widely considered the premier choice for Medicare Supplement coverage in the state.

Below is an overview of the current top Medigap providers in Florida and what sets Florida Blue apart in terms of coverage, customer satisfaction, and financial stability.

Florida Blue (Blue Cross Blue Shield of FL) – Top Recommended Option

Florida Blue is often cited as the best overall Medigap provider in Florida for a combination of reasons: excellent customer satisfaction, moderate premiums, and strong financial stability.

Key Highlights:

• Entry-age rating model: Lock in a lower rate based on your age at sign-up. Avoids major age-based increases later.
• High customer satisfaction: 90% of Florida Blue customers said they would renew their policy.
• Financial strength: A+ rating from A.M. Best – among the top-rated Medigap insurers.
• Part of the Blue Cross Blue Shield affiliation, ensuring broad brand awareness.

Coverage and Plans:

• Offers the full lineup of standardized Medigap plans (A, B, C, D, F, G, K, L, M, N).
• Plan G is widely available and popular with new enrollees.
• Plan G premium for a 65-year-old typically ranges from $214–$275/month, depending on age and region.

Added Perks:

• Wellness programs, 24/7 nurse hotline, and local service centers for in-person help.
• Florida-based nonprofit with deep ties to the local Medicare market.
• Online member portal and mobile tools.
• Care coordination support.

Bottom Line: Florida Blue offers an unmatched combination of rate stability, service, and value, making it a top recommendation for Medicare Supplement coverage across the state.

Mutual of Omaha – Notable Competitor

Mutual of Omaha (through United World Life and affiliates) holds roughly 10% of Florida’s Medigap market. It’s a nationally recognized name with competitive rates.

Key Features:

• Offers popular plans like Plan G and High-Deductible Plan G.
• Includes extras such as hearing and vision discounts.
• Generally strong customer satisfaction.

Cautions:

• Has a history of “closing blocks” of business, which can lead to higher rate increases for older policies.
• Rate patterns can vary by region and age.

Summary: Mutual of Omaha is a solid choice for those who want a trusted national brand with flexible plan options.

Cigna, Humana, and Other Insurers

Other insurers (Cigna, Humana, Aetna, State Farm, Bankers Life, Colonial Penn, etc.) also offer Medigap in Florida.

These providers may appeal to price-conscious shoppers, especially in counties where initial premiums are lower.

Considerations:

• Some have received lower customer satisfaction scores in Florida.
• Smaller carriers may have more volatile rate patterns and higher premium jumps.
• Reliability, claims service, and long-term pricing are key concerns.
• Always check an insurer’s AM Best rating and complaint index before enrolling.

Reminder: All Medigap policies offer the same standardized coverage by law. However, company reputation and rate stability matter when comparing providers.

Why Florida Blue Stands Out

In summary, Florida Blue emerges as the leading Medigap option due to its balance of:

• Competitive, stable premiums
• Strong customer satisfaction
• High financial ratings
• Florida-focused service and infrastructure

It may not always offer the lowest sticker price, but the value and peace of mind it delivers make it a smart long-term choice.

With nearly 6 million health members across all insurance lines, Florida Blue has the experience and resources to support Medicare enrollees statewide.

For seniors in Hillsborough County, Florida Blue should be at the top of the list when comparing Medigap options.

Price Comparison: Plan G Premiums in Hillsborough County

One of the advantages of Medigap plans is that their benefits are federally standardized – Plan G is Plan G, no matter which insurer you buy it from.

However, premiums can vary considerably between companies and regions.

It’s important to compare rates across insurers to ensure you’re getting a good deal for identical coverage.

Example Monthly Premiums  in Tampa (Hillsborough County)

• Plan G is approximately $170 to $238 per month: This is the span between the lowest-cost and highest-cost Plan G offerings in the Tampa area for a new 65-year-old enrollee. Factors like gender, tobacco use, and ZIP code can influence where you land in this range, but this provides a helpful benchmark.
• Plan N typically ranges from $129 to $181 per month in the Tampa market – in exchange for a few copays and no coverage for Part B excess charges.

Florida Blue vs. Other Providers

• Florida Blue: Plan G premiums are generally toward the mid-to-upper end of the market. For instance, in Hillsborough county, Florida Blue’s Plan G costs about $234/month, which is similar in Jacksonville(a metro city comparable to Tampa)
• Mutual of Omaha: In Hillsborough County, Plan G is about $247/month. Mutual's rates are known to be slightly higher in some metro areas.
• Cigna: Offers more competitive pricing, such as $204/month in northwest Florida.
• Smaller Carriers: Some rural counties report Plan G as low as $160/month. While cheaper, these plans may come with greater rate instability.

These examples demonstrate a $80+ difference in monthly premium for the same standardized coverage depending on the insurer.

Over time, that adds up – making price shopping essential.

Why Do Plan G Prices Differ?

#1. Rating Methods: Insurers use different pricing models: issue-age, attained-age, or community-rated. Florida Blue uses issue-age rating, locking in your base age at enrollment ensuring that your rate does not increase simply based on your age. Florida Blue consumers will typically experience an inflation based rate increase annually, in January of each year. AARP/UnitedHealthcare also uses issue-age, however, their policies are known to have more than one rate increase per year.

#2. Geography: Urban counties like Hillsborough typically land in the mid-to-upper range of premiums. Premiums in South Florida (e.g. Miami) can exceed $300/month, while North Florida often sees lower rates.

#3. Company Costs: Premiums also reflect each company’s claims history, administrative expenses, and pricing strategy. Since Plan G benefits are the same across providers, reliability and long-term stability become key differentiators.

We suggest you consider rate stability. Initial price matters – but future rate increases matter more.

A company offering $180/month at age 65 with 7% annual hikes could become more expensive than Florida Blue’s $230/month with 3% hikes by age 75.

The “cheapest” plan at 65 may not stay cheapest over time. Look at rate history and financial strength.

Florida Blue’s commitment to avoiding age-based premium hikes makes it an attractive option for long-term savings and predictability.

Final Thoughts on Cost

In Hillsborough County, new Medicare enrollees can expect to pay somewhere in the mid-$200s per month for a top-tier Medigap Plan G.

Lower-cost options exist but should be evaluated carefully for rate stability and company reliability.

Also, don’t forget to budget for a separate Part D drug plan, as Medigap does not include prescription drug coverage.

Compared to Medicare Advantage, Medigap’s upfront premium provides peace of mind by eliminating most other medical expenses throughout the year – an important value proposition for many Florida seniors.

Benefits of Medigap vs. Medicare Advantage in Florida

Choosing Medigap offers key advantages in provider choice, cost predictability, and flexibility - especially important for retirees in Florida’s mobile, healthcare-focused population.

Below are specific benefits of Medigap relative to Medicare Advantage

Freedom to Use Any Provider

Medigap policies allow unrestricted access to any doctor or hospital nationwide that accepts Medicare, with no network limitations.

You won’t need referrals or plan permission to see specialists.

In contrast, Medicare Advantage plans (HMOs and PPOs) typically limit you to local provider networks and often require referrals for specialists or prior authorization for certain procedures.

For Hillsborough County seniors, this means Medigap can provide access to top hospitals or specialists anywhere - including outside the Tampa Bay area - while a Medicare Advantage HMO might restrict you to doctors within a narrow local network.

Predictable, Comprehensive Coverage (Less Surprise Costs)

A Medigap plan such as Plan G covers virtually all Medicare cost-sharing except the small Part B deductible, which is $257 in 2025.

After paying the premium and that annual deductible, you can expect $0 bills for Medicare-approved services - no copays or coinsurance. This makes healthcare expenses highly predictable.

Medicare Advantage, while it often has low or $0 premiums, functions more like traditional insurance. You pay copays and coinsurance as you go, and could face much higher out-of-pocket costs in years with serious health needs.

Every Medicare Advantage plan has a Maximum Out-of-Pocket (MOOP) limit. In 2025, these can range from approximately $4,000 up to $9,350 per year for in-network care (and even higher for out-of-network care on PPOs).

For example, in Hillsborough County’s 2024 plan lineup, one top-rated Medicare Advantage HMO had a MOOP of $1,200, but another popular local PPO had a MOOP of $7,550 - costs that a seriously ill patient could conceivably hit in a bad year.

Medigap spares beneficiaries from this uncertainty by covering nearly all such expenses, which is very reassuring for seniors on fixed incomes and their caregivers managing the bills.

No Surprise Administrative Hurdles

Original Medicare with Medigap does not require prior authorizations for procedures. If Medicare covers the service, your Medigap will pay its share.

Medicare Advantage plans, on the other hand, often mandate prior authorization for expensive tests, specialist visits, or procedures, which can delay care.

A federal report found some Medicare Advantage plans improperly denied necessary services due to these authorization rules - an issue traditional Medicare avoids.

Families and caregivers often prefer the peace of mind that comes with Medigap, knowing that if a doctor says a treatment is needed, there’s less red tape to get it covered.

Nationwide Coverage and Travel Flexibility

Many Florida retirees travel seasonally or move around (think snowbirds).

Medigap travels with you - it’s valid in all 50 states with any Medicare provider. Most Medigap plans even provide limited emergency coverage abroad, typically 80% of urgently needed foreign travel medical costs, up to plan limits.

Medicare Advantage plans, by contrast, generally only cover emergency or urgent care outside their service area(HMO), or provide a separate set of higher cost benefits for out-of-network services(PPO).

Routine care on a Medicare Advantage HMO outside Florida would likely not be covered - or would be costly.

Medigap is ideal for those who split time between Florida and another state or who take extended trips, ensuring you’re covered wherever you go.

Stable Benefits (No Annual Plan Changes)

Medigap plans are standardized and guaranteed renewable. Plan benefits are set by federal law and do not change year to year - if you buy Plan G, it will always cover the same benefits at the same coverage percentages.

Medicare Advantage plans, however, can change their provider network, copays, drug formulary, and other benefits every calendar year.

What is covered or in-network in 2024 might not be in 2025, prompting a need to review and potentially switch plans annually.

With Medigap, you avoid these yearly plan surprises and keep the same robust coverage as long as you pay the premium.

No Geographic Restrictions

Medigap policies have no regional service area - you carry the same coverage even if you move or travel within the U.S.

In contrast, Medicare Advantage plans are county-based. If you move out of Hillsborough County or to another state, you’ll likely need to enroll in a different plan.

For retirees who may relocate within Florida or move to be near family, Medigap provides continuity of coverage without the hassle of finding a new plan.

Bottom Line

Medigap + Original Medicare offers broader provider access and more financial certainty than Medicare Advantage.

The trade-off is a higher monthly premium in exchange for virtually zero out-of-pocket bills later. For many seniors - and the adult children who assist them - this trade is well worth it to avoid the risk of large medical bills or care delays.

Medicare Advantage can work for those who are comfortable with network restrictions and want extra benefits (dental, vision, etc.), but the limitations often only become apparent when significant medical needs arise.

Hidden Limitations of Medicare Advantage Plans

Medicare Advantage (MA) plans often attract new retirees with low premiums, extra benefits like vision, dental, hearing, and gym memberships, and heavy marketing.

While these plans can be a good fit for some, it’s crucial to understand the limitations and trade-offs – some of which aren’t obvious until you actually begin using the plan.

Here are the key drawbacks of Medicare Advantage that Hillsborough County seniors (and their caregivers) should carefully weigh:

Restricted Provider Networks

All Medicare Advantage plans use some form of provider network. In Hillsborough County, most MA plans are HMOs, meaning you must use in-network doctors and hospitals (except in emergencies).

If you go out-of-network, the plan typically won’t pay (HMOs) or will charge more (PPOs). This can be a surprise for those used to choosing any provider.

For example, not all top hospitals in Tampa may be in every plan’s network. If you want to see a specific specialist at Moffitt Cancer Center or in another city, you might not be able to without a referral or prior authorization.

With Medigap, any provider who accepts Medicare is available – no networks, no referrals, no barriers.

Plus, Medicare Advantage networks can change annually, meaning your doctor might not be in-network next year, disrupting your care.

Prior Authorization and Referrals

MA plans commonly require:

• Referrals to see specialists (especially in HMOs)
• Prior authorization for expensive procedures, tests, or hospitalizations

This adds a layer of red tape between you and your care.

A federal report in 2022 found that some Medicare Advantage plans improperly denied necessary services.

With Medigap, there are no referrals or prior authorizations.

If Medicare approves it, your Medigap pays its share. This is especially important for caregivers – managing appointments and approvals for aging parents is difficult enough without insurer gatekeeping.

Cost Exposure – Pay As You Go

That enticing $0 premium Medicare Advantage plan often comes with high out-of-pocket costs when you actually need care.

MA plans usually have:

• Copays and coinsurance for each service
• Maximum out-of-pocket limits (MOOPs) ranging from $4,000 to $9,350 per year (in-network)

In Hillsborough County, many 2024 plans had MOOPs between $3,000 and $5,500 – some as high as $7,550.

A major illness could rack up enough costs to reach that limit.

With Medigap Plan G, your out-of-pocket costs are minimal – just the $257 Part B deductible in 2025. After that, you're covered 100% for Medicare-approved Part A and B services.

No copays, no surprise bills.

Changing Plans Later Isn’t Guaranteed

This is a critical and often overlooked drawback.

If you don’t sign up for Medigap when you’re first eligible (at age 65 during your Part B enrollment window), you may lose guaranteed issue rights later.

This means:

• If you develop health issues, you might be denied Medigap coverage
• Or you could face much higher premiums based on your health history

In Florida, like most states, Medigap applications after your initial 6-month open enrollment can be underwritten.

Many seniors who want to switch from MA to Medigap later find they can’t.

Important takeaway: If you ever want Medigap, it’s usually best to choose it when you’re first eligible to avoid Medical underwriting.

Plan Benefits Can Be Misleading

Extra benefits – dental, vision, hearing, transportation – sound great in MA ads. But they’re often limited.

Dental may only cover $1,000/year and vision might just include a basic exam and glasses allowance.

They’re perks, not full insurance. Choosing a plan for these extras alone can mean trading away better core medical coverage.

With Medigap, you can purchase standalone dental/vision plans while keeping your superior medical coverage.

Annual Plan Changes and Confusing Switching

Medicare Advantage plans can change:

• Provider networks
• Copays and deductibles
• Drug coverage (formularies)

Every fall, you must review changes during Open Enrollment. Your doctor or prescription may no longer be covered, prompting a stressful plan switch.

Medigap, by contrast, offers:

• Stable, standardized benefits
• No need to shop or change annually (unless premium changes drive you to switch)

For those who prefer consistency and simplicity, Medigap is much easier to manage long-term.

Bottom Line

Medicare Advantage plans can be a good fit for healthy, budget-conscious seniors who don’t mind network restrictions and want extra perks.

But they come with significant limitations that many don’t realize until they need serious care, including:

• Networks can limit provider access
• Prior authorizations can delay or deny care
• Out-of-pocket costs can mount quickly
• Switching to Medigap later may not be an option

For many Hillsborough County seniors, Medigap + Original Medicare offers greater freedom, predictable costs, and better long-term peace of mind.

Many who regret their Medicare Advantage decision say the same thing: “I wish I had chosen Medigap from the beginning.”

Hillsborough County Enrollment Trends: Medigap vs. Medicare Advantage

Hillsborough County (Tampa) has about 264,600 Medicare beneficiaries, and nearly 57% are enrolled in Medicare Advantage plans.

This reflects Florida’s overall high Medicare Advantage uptake - roughly 54% of Medicare beneficiaries statewide now choose Medicare Advantage as of 2024, a figure that continues to rise. (Nationally, Medicare Advantage enrollment is projected to reach approximately 51% of all Medicare beneficiaries in 2025.)

The remaining 43% of Hillsborough seniors stick with Original Medicare.

Many of these beneficiaries supplement Part A and Part B with a private Medigap policy for more complete coverage.

Florida has one of the largest Medigap populations in the country, with over 930,000 Medigap enrollees statewide as of 2022 - indicating that a significant number of Tampa-area seniors rely on Medigap to fill Medicare’s coverage gaps.

Enrollment has steadily shifted toward comprehensive plans like Plan G, as new enrollees seek robust and predictable coverage.

Plan G is now the most popular Medigap option available to those newly eligible for Medicare (since Plan F closed to new enrollees).

2025 Regulatory Changes and Trends Impacting Plan Choice

The Medicare landscape isn’t static - and new regulations and industry trends can influence the decision between Medigap and Medicare Advantage.

As we move through 2025, the following updates are especially relevant for Florida seniors and caregivers evaluating their options.

Part D Prescription Drug Reforms (2025)

Thanks to the Inflation Reduction Act, Medicare Part D will now cap annual out-of-pocket prescription costs at $2,000 beginning in 2025.

This is a major improvement from previous years when there was no true cap and beneficiaries could spend significantly more on medications.

Key points:

• The “donut hole” coverage gap is being eliminated.
• High-drug-cost patients will see substantial savings.
• The cap applies to both standalone Part D plans (used with Medigap) and built-in drug coverage within Medicare Advantage plans.

However, insurers may respond by adjusting premiums or formularies to offset this increased financial burden.

It’s more important than ever to review drug plan details before enrolling.

Continued Growth (And Scrutiny) of Medicare Advantage

Medicare Advantage (MA) enrollment continues to grow. CMS projects over 51% of Medicare beneficiaries will be in an MA plan by 2025 - with Florida already well past that threshold.

This growth has sparked:

• Tighter marketing regulations (e.g., banning misleading ads and names).
• New efforts to streamline prior authorization (including proposed electronic processing rules).
• Increased attention to aggressive sales tactics and transparency in plan design.

For beneficiaries, this means more clarity in materials - but also a reminder to read carefully and be cautious about sales pitches.

Regulatory pressure may push MA plans to improve, but changes will be gradual.

Plan F Closure and the Rise of Plan G

As a reminder, Plan F is no longer available to those newly eligible for Medicare after January 1, 2020.

Plan G has now become the most comprehensive option for new enrollees.

Plan G includes:

• Full Part A coverage
• Full Part B coinsurance
• Coverage for excess charges, skilled nursing coinsurance, and foreign travel(up to plan limits)

The only thing not covered is the Part B deductible (which is $257 in 2025).

This trend continues into 2025 - with Plan G dominating new Medigap enrollments and most insurers focusing their offerings accordingly.

If a friend or relative mentions Plan F, just know that Plan G is your go-to equivalent.

Florida State-Specific Rules and Limitations

Florida does not offer a “birthday rule” or other laws that allow you to switch Medigap plans annually without underwriting.

Your best chance to enroll in a Medigap plan without health questions is:

• During your 6-month Medigap Open Enrollment Period (starting when you enroll in Medicare Part B)
• Or during certain qualifying events (e.g., your Medicare Advantage plan exits the market)

For Medicare Advantage, Florida remains one of the most active and competitive markets. Local insurers continue to offer a wide range of Special Needs Plans (SNPs), and there’s growing diversity in plan features.

Still, Medigap remains more stable and predictable - particularly for those who don’t qualify for a special needs plan.

Focus on “Whole-Person Care” in Medicare Advantage

A trend emerging in MA is the addition of non-medical supplemental benefits like:

• Meal delivery
• In-home support
• Transportation
• Social support services

Florida insurers - including Florida Blue - are piloting “whole-health” programs focused on broader wellness.

While these offerings are currently exclusive to Medicare Advantage, it’s something to be aware of if you have chronic conditions that might benefit from such support.

Medigap plans, being federally standardized, do not include these extras.

Bottom Line

The 2025 changes are mostly positive, especially the Part D cap - which benefits all beneficiaries, whether you choose Medigap or Medicare Advantage.

But these updates also reinforce the importance of making an informed decision early on.

Medicare Advantage offers more benefits, but at the cost of complexity and potential limitations.

Medigap continues to offer stable, comprehensive protection - with fewer surprises and more control over your care.

Ultimately, your best choice depends on your medical needs, financial situation, travel habits, and whether you want the simplicity and freedom of Medigap or are willing to navigate the trade-offs of Medicare Advantage.

If you're turning 65 or helping someone who is, now is the time to compare options carefully - and when in doubt, you can speak with one of our licensed insurance agents.

Closing Thoughts

Medigap vs. Medicare Advantage is one of the most important decisions a new Medicare beneficiary will make.

In Hillsborough County, where Medicare Advantage plans are heavily marketed and widely adopted, it's critical to look beyond the sales pitch.

Medigap (Medicare Supplement) plans offer time-tested coverage: virtually unlimited choice of doctors, predictable costs, and no hassles if serious health issues arise.

Medicare Advantage may appeal with low upfront premiums and added perks, but it comes with trade-offs - including network restrictions, prior authorization rules, and unpredictable out-of-pocket costs - that may not suit everyone, particularly those who value flexibility or have more complex health needs.

With a Medigap plan, your loved one can receive care anywhere in the U.S. that accepts Medicare, whether that’s in Tampa, across Florida, or out of state. There’s no second-guessing about whether a provider is in-network or whether a procedure will require multiple layers of approval.

Yes, the monthly premium is higher, but what you’re buying is financial protection and simplicity - crucial benefits during a time in life when healthcare needs can become unpredictable.

Among Medigap providers, Florida Blue stands out in Hillsborough County. With strong financial ratings, dependable service, and competitive premiums, it consistently ranks among the best choices for Medicare Supplement coverage in Florida.

While it’s wise to compare Florida Blue against other reputable carriers, many beneficiaries ultimately choose Florida Blue for its blend of local support and national stability.

Ultimately, the “best” Medicare coverage depends on your individual situation - your health, income, doctors, travel plans, and future expectations.

And if you choose Medicare Advantage, just remember: switching to Medigap later isn’t always guaranteed. Early planning and informed choices are key to preserving your healthcare freedom and financial security.

Need Help Deciding?

Choosing between Medigap and Medicare Advantage - and selecting the right plan within those options - can feel overwhelming. That’s where PolicyGuide comes in.

With years of hands-on experience helping Florida seniors and caregivers navigate Medicare decisions, our licensed agents provide personalized, no-pressure guidance to help you choose confidently.

Whether you're comparing rates in Hillsborough County or trying to understand which plan fits your health and budget best, we're here to walk you through every step.

Don’t make this important decision alone - reach out today and let us help you protect your future with the right Medicare coverage.