Medicare Supplement Minimum Standards (F.S. 627.674, .6741)

In Florida, a Medicare supplement policy: may not define a preexisting condition to limit or deny coverage for longer than six (6) months after the effective date — and may not exclude preexisting conditions at all for an applicant continuously covered before applying; must offer a thirty (30)-day free look with full refund. For standardized policies effective on or after January 1, 2020: must be guaranteed renewable; may not pay sickness losses on a different basis than accident losses; must automatically adjust cost-sharing benefits to track changes in Medicare's deductibles, copayments, and coinsurance (premiums may adjust to match); may not terminate a spouse's coverage solely because an event terminated the insured's (other than nonpayment); and pre-2006 outpatient prescription benefits may be renewed for policyholders who skip Part D. Standard exclusions mirror Medicare's gaps: dental, vision, hearing, long-term care, routine foot care, and cosmetic/elective procedures are not covered, and preexisting conditions may be excluded for the first 6 months. A Buyer's Guide and outline of coverage are delivered at application with receipt acknowledged (direct response: by policy delivery).

In Florida a Medigap policy renews for life, tracks Medicare's numbers automatically, gives 30 days to change your mind, and can only sideline pre-ex for six months.