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
The plan benefits are identical across carriers — only the price differs. Fort Myers seniors have more Medicare plan options than almost any city in Florida. Between Medigap Plan G, Medicare Advantage HMOs, and Part D prescription drug plans, choosing the right coverage requires a licensed local advisor who knows which carriers actually serve Lee County. 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.
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