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.
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. The plan benefits are identical across carriers — only the price differs.
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.
Plan G premiums in Lee County typically range from $120 to $180 per month depending on the carrier and your age at enrollment.
Lee Health (Lee Memorial Hospital, HealthPark Medical Center, Gulf Coast Medical Center) accepts most Medicare Advantage HMO and PPO plans.
Yes. Moving to a new ZIP code triggers a Special Enrollment Period allowing you to switch Medicare Advantage or Part D plans.
Yes. Medigap plans sold after 2005 do not include prescription drug coverage. You need a separate Part D plan.
Plan N has a lower premium but requires copays for doctor visits ($20) and emergency room visits ($50). Plan G covers everything except the Part B deductible.
Free consultation. No obligation. We compare all carriers serving Lee County, FL.
Florida Health Insurance Web is a licensed insurance agency and may receive compensation from insurance carriers for plans it helps you enroll in. We do not offer every plan available in your area. Plan availability, premiums, deductibles, networks, and eligibility for premium tax credits vary by location, income, and household size. Open Enrollment and Special Enrollment dates are set by the Marketplace (HealthCare.gov for Florida) and can change from year to year. Confirm current dates at HealthCare.gov before enrolling. This page is general information only. It is not a quote, an offer of coverage, or a commitment of coverage, approval, or savings.