Medicare Supplement Plans in Fort Myers, FL

Coverage Options

Plans We Help Fort Myers Seniors Navigate

We compare all your options across multiple carriers so you get the best coverage at the best price — not just what pays us the most.

⭐ Most Popular

Medicare Plan G

Comprehensive supplement coverage

✓ Covers Part A hospital costs
✓ Part B excess charges covered
✓ Skilled nursing facility coinsurance
✓ Foreign travel emergency (80%)
✓ No network restrictions — any doctor

Budget Friendly

Medicare Plan N

Lower premiums, small copays

✓ Lower monthly premium than Plan G
✓ Up to $20 office visit copay
✓ Up to $50 ER copay
✓ Part A hospital costs covered
✓ Great for healthy, active seniors

🚁 Emergency Transport

MASA Membership

Fills the gap Medicare leaves open

✓ Air ambulance — unlimited miles
✓ Ground ambulance coverage
✓ Hospital-to-hospital transport
✓ Family members included
✓ Medicare covers 80% — MASA covers the rest

Final Expense

💙

Final Expense Coverage

Whole life — guaranteed acceptance

✓ No medical exam required
✓ Covers funeral & burial costs
✓ Premiums never increase
✓ Benefits never decrease
✓ Immediate family protection

ACA / Marketplace

🏥

ACA Marketplace Plans

Under-65 or transitional coverage

✓ Subsidies available based on income
✓ Bridge coverage before Medicare
✓ Covers pre-existing conditions
✓ Prescription drug coverage
✓ Preventive care at no cost

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About XactInsure

Fort Myers Medicare Experts — Not Just Salespeople

We run education-first Medicare seminars across Lee County, Cape Coral, and Southwest Florida. Our goal isn't to sell you a plan — it's to make sure you understand exactly what you're getting and what you're not.

Most seniors leave Medicare enrollment with gaps they don't find until an emergency — a $30,000 air ambulance bill, a $1,400 Part A deductible, a ground ambulance Medicare only covers 80% of. We close those gaps before they hit.

500+

Clients Served

10+

Carriers Compared

Cost to Review

XactInsure agent consulting with Fort Myers senior couple

Common Questions

Fort Myers Medicare FAQ

Questions we hear every week at our Southwest Florida seminars — answered straight.

Original Medicare covers about 80% of your medical costs — leaving you with the other 20% and no out-of-pocket maximum. A Medigap plan fills those gaps. Plan G is the most comprehensive, covering everything except the Part B deductible (~$240/year). Without a supplement, a single hospital stay can cost thousands.

Plan G is the most popular choice for seniors who want comprehensive coverage. Florida's Plan G gives you any doctor, any hospital — nationwide, no networks. Perfect for snowbirds and active retirees. Plan N is a great alternative if you're healthy and want lower premiums with small office visit copays.

Medicare covers 80% of air ambulance — only if deemed medically necessary. Average Florida air ambulance bill: $30,000–$50,000. Your 20%: $6,000–$10,000 out of pocket. MASA covers 100% of what Medicare doesn't pay, with no dollar limit and no network restrictions. For Southwest Florida residents, this is critical.

Your best window is the 6-month Medigap Open Enrollment Period starting when you turn 65 AND enroll in Part B. During this period, carriers cannot deny you or charge more based on health. After this window you may face medical underwriting. Don't miss it.

In Fort Myers / Lee County, Plan G typically runs $110–$185/month for a 65-year-old. Benefits are identical regardless of carrier — so comparing prices is the smart play. We do that comparison for you at no charge.

Yes — completely free. No sales pressure, no obligation. We hold seminars at restaurants and community centers across Cape Coral, Fort Myers, Sarasota, and surrounding areas. Complimentary meal, plain-English explanations, every question answered. You leave informed, not sold.

Yes — Plan G and Plan N let you see any doctor or hospital in the US that accepts Medicare. No referrals, no network restrictions, no prior authorizations for most services. Your Fort Myers doctors stay in the picture.

Medicare Advantage replaces Original Medicare through a private insurer — usually with network restrictions, prior authorizations, and out-of-pocket maximums up to $8,000+/year. Medicare Supplement works alongside Original Medicare: no networks, predictable costs. Southwest Florida seniors who travel prefer Supplement for nationwide freedom.

Medicare in Fort Myers
Doesn't Have to Be Confusing

Plans We Help Fort Myers Seniors Navigate

Medicare Plan G

Medicare Plan N

MASA Membership

Final Expense Coverage

ACA Marketplace Plans

Fort Myers Medicare Experts — Not Just Salespeople

Fort Myers Medicare FAQ

Medicare Articles for Southwest Florida Seniors

Why South Florida Seniors Need More Than Just Medicare in 2026

The Medicare Coverage Gap in Emergency Ambulance Transport

The $2,000 Surprise: Decoding Ground Ambulance Costs in Florida

South Florida Weather Risks for Seniors: Heat, Storms & Emergency Prep

Is the MASA Seminar Actually FREE? — Yes!

The Snowbird's Safety Guide: Protecting Your Move Back North

We Serve All of Southwest Florida

Medicare in Fort MyersDoesn't Have to Be Confusing

Plans We Help Fort Myers Seniors Navigate

Medicare Plan G

Medicare Plan N

MASA Membership

Final Expense Coverage

ACA Marketplace Plans

Get Your Free Medicare Plan Review

Fort Myers Medicare Experts — Not Just Salespeople

Fort Myers Medicare FAQ

Still Have Questions? Talk to a Local Expert.

Medicare Articles for Southwest Florida Seniors

Why South Florida Seniors Need More Than Just Medicare in 2026

The Medicare Coverage Gap in Emergency Ambulance Transport

The $2,000 Surprise: Decoding Ground Ambulance Costs in Florida

South Florida Weather Risks for Seniors: Heat, Storms & Emergency Prep

Is the MASA Seminar Actually FREE? — Yes!

The Snowbird's Safety Guide: Protecting Your Move Back North

Get the Free Medicare Guide for Fort Myers Seniors

We Serve All of Southwest Florida

Medicare in Fort Myers
Doesn't Have to Be Confusing