Independent Carrier Review

Pan-American Life Medicare Plans in Florida

Competitive Medigap rates with strong financial backing — a solid Florida Medicare Supplement option.

Pan-American Life Insurance Group offers Medicare Supplement plans in Florida with competitive rates and strong financial stability. A reliable Medigap option for Florida seniors who want solid coverage at a fair price.

A Financial Rating (AM Best)

1+

Plan Types Offered

4

A Financial Rating (AM Best)

0+

$0 Premium Plans

Free

My Comparison Service

Pan-American Life Medicare Plans — An Independent Review

Pan-American Life Insurance Group has been in business since 1911 and offers Medicare Supplement plans in Florida with competitive pricing. Their Medigap plans are standardized like all Medicare Supplement policies, providing the same coverage as more well-known carriers. Pan-American Life is particularly competitive in certain Florida markets and age bands. Their long history and financial stability make them a trustworthy Medigap carrier.

Sample Pan-American Life Plans in Florida

Plan availability and premiums vary by ZIP code. Call me for exact plans in your area.

Medicare Supplement

Pan-American Life Medigap Plan G

$102–$152/mo

premium

  • Covers all Medicare gaps except Part B deductible
  • Any Medicare-accepting doctor nationwide
  • No network restrictions
  • 100+ year company history
Medicare Supplement

Pan-American Life Medigap Plan N

$74–$112/mo

premium

  • Lower premium than Plan G
  • Small copays for office/ER visits
  • Nationwide coverage
  • Competitive rates in Florida

* 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.

Pan-American Life Medicare — Pros & Cons

Pros

  • 100+ year company history
  • Competitive rates in select Florida markets
  • No network restrictions — any Medicare doctor
  • Strong financial stability
  • Straightforward Medigap coverage

Cons

  • Less name recognition than major carriers
  • Limited product line
  • Medical underwriting outside open enrollment
  • Not available in all Florida counties

Best for: Florida seniors who want a financially stable, long-established Medigap carrier with competitive rates

Why Compare Pan-American Life With an Independent Broker?

  • I compare Pan-American Life against every other carrier available in your ZIP code
  • Pan-American Life agents can only sell Pan-American Life 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

"When I talked with William, I realized I misunderstood a couple of important points. William filled in my knowledge gaps and helped me select and sign-up for the best combination of plans for my situation. As an added benefit, I know I can call him if I have questions or issues."

Lissa Fahlman

Florida

Pan-American Life Medicare — Frequently Asked Questions

Is Pan-American Life Medigap available in Florida?

Pan-American Life offers Medicare Supplement plans in select Florida markets. I compare their rates against all other carriers in your ZIP code.

How financially stable is Pan-American Life?

Pan-American Life has been in business since 1911 and carries an A AM Best financial rating, indicating excellent financial stability and claims-paying ability.

Official Pan-American Life & Government Resources

Always verify plan details directly with the carrier and CMS before enrolling.

* These links go directly to Pan-American Life's website, CMS.gov, and Medicare.gov. I am not affiliated with these government sites. Always compare plans with an independent broker before enrolling.

Ready to Compare Pan-American Life Medicare Plans?

I'll compare Pan-American Life against every other carrier available in your ZIP code — factoring in your doctors, prescriptions, and budget. Free service, no obligation.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY: 1-877-486-2048) to get information on all of your options.

Not affiliated with or endorsed by the U.S. government or the federal Medicare program. This is an advertisement for insurance. William Gray and affiliated licensed agents are independent insurance agents, not government employees or representatives. Medicare has neither reviewed nor endorsed this information.

Not all plans or types of coverage may be available in your area. Plan availability, benefits, and premiums vary by county and ZIP code. Enrollment in any plan depends on contract renewal. Benefits, premiums, and cost-sharing may change on January 1 of each year.

Independent Agent & Compensation Disclosure. William Gray is an independent licensed insurance agent (FL License #W690237) and is not employed by or exclusively affiliated with any single insurance company. William is compensated by insurance carriers when you enroll in a plan. This compensation does not affect the premium you pay — your premium is the same whether you enroll through a broker or directly with the carrier. Affiliated agents are independent contractors solely responsible for their own conduct and representations.