Lumico Medicare Plans in Florida
Swiss Re-backed Medigap with some of the most competitive rates in Florida — a hidden gem.
Lumico Life Insurance Company is backed by Swiss Re — one of the world's largest reinsurers — and offers some of the most competitively priced Medicare Supplement plans in Florida. Despite being less well-known, Lumico's financial backing is rock-solid and their rates are hard to beat.
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Plan Types Offered
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A+ Financial Rating (Swiss Re backing)
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$0 Premium Plans
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My Comparison Service
Lumico Medicare Plans — An Independent Review
Lumico is a relatively newer name in the Medigap market, but their financial backing from Swiss Re (a $40+ billion global reinsurer) provides exceptional security. In Florida, Lumico consistently offers some of the lowest Medigap rates available — particularly for Plan G and Plan N. Their plans are standardized like all Medigap policies, meaning the coverage is identical to what you'd get from Mutual of Omaha or UnitedHealthcare — just at a lower price. I recommend Lumico frequently to clients who want maximum coverage at minimum cost.
Sample Lumico Plans in Florida
Plan availability and premiums vary by ZIP code. Call me for exact plans in your area.
Lumico Medigap Plan G
$95–$140/mo
premium
- Covers all Medicare gaps except Part B deductible
- Any Medicare-accepting doctor nationwide
- No network restrictions
- Among the lowest Plan G rates in Florida
Lumico Medigap Plan N
$68–$105/mo
premium
- Lower premium than Plan G
- Small copays for office/ER visits
- Nationwide coverage
- Excellent value for healthy seniors
* Sample plans shown for illustration. Actual plans, premiums, and benefits vary by ZIP code and are subject to change. Contact me for current plan details in your area.
Lumico Medicare — Pros & Cons
Pros
- Swiss Re financial backing — exceptional security
- Among the lowest Medigap rates in Florida
- No network restrictions — any Medicare doctor
- Same standardized coverage as major carriers
- Competitive rates across all age bands
Cons
- Less name recognition — newer to market
- No Medicare Advantage or Part D plans
- Medical underwriting outside open enrollment
- Limited product line
Best for: Florida seniors who want the same Medigap coverage as major carriers at significantly lower premiums
Why Compare Lumico With an Independent Broker?
- I compare Lumico against every other carrier available in your ZIP code
- Lumico agents can only sell Lumico plans — I represent 12+ carriers
- I verify your doctors are in-network and your medications are covered before you enroll
- I compare total annual costs, not just monthly premiums
- Free service — I'm paid by the carriers, never by you
- I review your plan every Annual Enrollment Period to make sure it's still the best fit
- Florida specialist — 29+ years experience
"My husband and I needed to start Medicare parts B and D not during open enrollment but mid-year when he retired and our company insurance discontinued. Mr. Gray was very helpful and made the transition very easy. Much appreciated!"
Kathleen McLoughlin
Florida
Lumico Medicare — Frequently Asked Questions
Is Lumico a legitimate Medicare Supplement carrier?
Yes — Lumico is backed by Swiss Re, one of the world's largest and most financially stable reinsurers. Despite being newer to the Medigap market, their financial backing is exceptional.
Why are Lumico's Medigap rates so low?
Lumico entered the Florida Medigap market with competitive pricing to build market share. Their Swiss Re backing allows them to price aggressively while maintaining financial stability. The coverage is identical to more expensive carriers.
Is Lumico Plan G the same as Mutual of Omaha Plan G?
Yes — all Medigap Plan G policies are standardized by the federal government. The coverage is identical regardless of carrier. The only difference is the premium and the company paying your claims.
Official Lumico & Government Resources
Always verify plan details directly with the carrier and CMS before enrolling.
Lumico Official Site
Plans, benefits & enrollment directly from Lumico
CMS.gov
Centers for Medicare & Medicaid Services — official plan data
Medicare.gov
Official U.S. government Medicare plan finder & information
* These links go directly to Lumico's website, CMS.gov, and Medicare.gov. I am not affiliated with these government sites. Always compare plans with an independent broker before enrolling.
Compare Lumico vs. Other Carriers
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