Medicare Supplement Plans in Clearwater, Florida — 2026
Clearwater and Pinellas County have one of the highest Medicare Advantage penetration rates in Florida — and one of the highest rates of carrier exits in 2026. Seniors who have relied on Humana or UnitedHealthcare plans are now evaluating Medicare Supplement as a stable, long-term alternative with predictable costs.
Medigap Plan Pricing in Clearwater, Florida
| Plan | Est. Monthly Premium | Part B Deductible | Copays |
|---|---|---|---|
| Plan G ⭐ | $100–$148 | You pay $240/yr | None |
| Plan N | $78–$120 | You pay $240/yr | Up to $20 office / $50 ER |
Estimates for a 65-year-old non-smoker in Clearwater. Actual rates vary by carrier and health history.
Top Carriers in Clearwater
Local Note
Morton Plant Hospital (BayCare) and Mease Countryside Hospital both accept all Medicare Supplement plans — no referrals or prior authorizations required.
Why Medigap in Florida?
Florida allows year-round Medigap enrollment — unlike most states. You can switch plans any time without waiting for AEP. Plans are guaranteed renewable for life and work with any doctor who accepts Medicare nationwide.
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