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Florida Medicare Supplement — Humana 2027
If your Humana Medicare Advantage plan is ending January 1, 2027, you may qualify for guaranteed-issue Medicare Supplement coverage in Florida — no health questions, no underwriting. Call (386) 871-3858 for Florida markets or 1-800-DUDE-309 (800-383-3309) for all other areas.
GI window: approximately November 2026 – March 2027
For a January 1, 2027 plan termination, your guaranteed-issue window typically runs from approximately November 1, 2026 through March 5, 2027. Do not wait until January — you can enroll in a Medicare Supplement plan before your Humana plan ends, with coverage effective January 1, 2027.
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Founder of The Medicare Dude · Licensed Since 1998 · Independent Medicare Broker
Florida Medicare Supplement guidance for Humana 2027 plan terminations
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Florida has one of the largest Medicare Advantage enrollment populations in the country. Humana has been a major carrier in many Florida counties. Members in affected Florida markets who receive a plan termination notice have federal guaranteed-issue rights to enroll in certain Medicare Supplement plans — without medical underwriting.
Florida does not have state-level continuous open enrollment for Medicare Supplement plans (unlike a small number of other states). This makes the federal guaranteed-issue window especially important for Florida residents. Once the 63-day window closes, insurers can apply medical underwriting in Florida.
Plan G is the most commonly selected Medicare Supplement plan for new enrollees in Florida in 2026. Eligible beneficiaries whose Medicare Advantage plan is terminating may have a federal guaranteed-issue right to Plan G. Under the MACRA framework, Plan G is the applicable alternative to Plan F for people newly eligible for Medicare on or after January 1, 2020, where Plan G is offered. An independent broker can confirm which plans you qualify for based on your specific termination notice.
Plan G covers Medicare Part A coinsurance and hospital costs, Part B coinsurance, the first three pints of blood, Part A hospice coinsurance, skilled nursing facility coinsurance, Part A deductible, and foreign travel emergency care (up to plan limits). The only out-of-pocket cost under Plan G is the annual Part B deductible ($283 in 2026). Premiums vary by carrier, county, age, and tobacco use. William Gray can run a real-time rate comparison for your specific ZIP code.
Received a Humana termination or non-renewal notice?
Have your notice in front of you when you call. William can review what it says and confirm your Florida guaranteed-issue options and timing.
The type of notice matters — not every Humana letter automatically triggers GI rights.
Call William — (386) 871-3858If you switch from Humana Medicare Advantage to Original Medicare plus a Supplement, you will lose your bundled drug coverage. Enroll in a standalone Part D plan during the Annual Enrollment Period: October 15 – December 7, 2026, for coverage starting January 1, 2027. Missing this window can result in a late-enrollment penalty that lasts as long as you have Part D coverage.
Humana has not publicly released a final county-by-county list for all affected markets. Affected members will receive a plan termination notice by mail. If you have not received a notice by mid-October 2026, contact Humana directly or call 1-800-MEDICARE (800-633-4227) to confirm your plan's status.
Yes — eligible beneficiaries whose Medicare Advantage plan is terminating may have a federal guaranteed-issue right to Medicare Supplement Plan G. Under the MACRA framework, Plan G is the applicable alternative to Plan F for people newly eligible for Medicare on or after January 1, 2020. Eligibility depends on receiving an actual plan termination or service-area reduction notice for your specific plan. An independent broker can review your situation and confirm all available options.
Under federal law, when your Medicare Advantage plan is terminated by the insurer, you have guaranteed-issue rights to certain Medicare Supplement plans — including Plan G for people newly eligible for Medicare on or after January 1, 2020 (the MACRA-established alternative to Plan F). Under current Medicare guidance, Plans A, B, C, D, F, G, K, and L are available under federal GI rights for this qualifying event, subject to the MACRA eligibility restrictions. Plan availability and carrier participation vary. An independent broker can confirm which plans and carriers are available in your county.
No. Independent Medicare brokers are compensated by the insurance carriers, not by you. The premium you pay is the same whether you enroll through a broker or directly with the carrier. A broker gives you access to multiple carriers and unbiased comparisons.
William Gray is a licensed Florida Medicare broker with nearly 30 years of experience. If your Humana plan is ending, call now to review your options — before the guaranteed-issue window closes.
Outside Florida? Call 1-800-DUDE-309 (800-383-3309)
No cost. No pressure. Independent Medicare guidance.
Not in Florida?
See the national overview of Humana's 2027 Medicare Advantage plan changes and guaranteed-issue rights.
National Humana 2027 overviewSelect your county for local guidance on Humana 2027 Medicare Advantage changes and guaranteed-issue rights in Florida.
County pages provide local context for Humana 2027 Medicare Advantage plan changes and guaranteed-issue rights in Florida. Eligibility depends on your specific plan notice — call for independent guidance.
