Do I need a Part D plan if I have Medigap?
Yes. Medigap plans sold after 2005 do not include prescription drug coverage. You need a separate Part D plan.
What to do next
Start from your own specifics rather than a rule of thumb; a short conversation usually tells you whether this needs a professional look.
Local context for Statewide Florida
Medicare Advantage plans in Fort Myers are offered by Humana, Devoted Health, Simply Healthcare, and UnitedHealthcare. These plans often include dental, vision, hearing, and prescription drug coverage. However, HMO networks in Lee County can be restrictive. You can first enroll in Medicare during your Initial Enrollment Period, which starts 3 months before your 65th birthday month. Missing this window can result in permanent late enrollment penalties. Medigap Plan G is the most popular supplement plan among Fort Myers retirees because it covers all Medicare gaps except the Part B deductible. In Lee County, carriers like Aetna, Cigna, Mutual of Omaha, and UnitedHealthcare offer Plan G at varying rates.
Florida Health Insurance Web provides Medicare Advantage, Medicare Supplement (Medigap), ACA Marketplace Plans, Final Expense Insurance, Small Group Health Insurance, Medicare Part D across Statewide Florida.
Related questions
Florida Health Insurance Web — Compare your plan options
Compare your plan options