Medicare Supplement (Medigap) Plans in Florida: Plan G, Plan N and How to Compare
A Medicare Supplement (Medigap) plan works with Original Medicare to pay some or all of what Medicare leaves for you. In Florida, the plans most people compare are Plan G and Plan N. The best time to buy is your 6-month Medigap Open Enrollment Period, when insurers can’t turn you down or charge more because of your health.
- Medigap plans are standardized: a Plan G has the same benefits from every insurer. The price and service are what differ.
- Plan G covers more; Plan N usually costs less per month but has some copays and doesn’t pay Part B excess charges.
- Drug coverage is separate. Pair Medigap with a Part D plan.
What Medigap covers (and what it doesn’t)
Original Medicare (Part A and Part B) pays most of the cost of covered care, but it leaves deductibles, coinsurance and copays, with no yearly cap on what you pay. A Medigap plan fills some or all of those gaps. You can see any doctor or hospital in the U.S. that accepts Medicare, with no network and no referrals.
Medigap does not cover prescription drugs (that’s Part D), routine dental, vision or hearing care, or long-term custodial care. It also doesn’t work with a Medicare Advantage plan: you have one or the other.
Plan G vs Plan N at a glance
| What you might pay | Plan G | Plan N |
|---|---|---|
| Part A hospital deductible and coinsurance | Covered | Covered |
| Part B deductible | You pay it | You pay it |
| Part B coinsurance (usually 20%) | Covered | Covered, except copays of up to $20 for some office visits and up to $50 for ER visits that don’t lead to an admission |
| Part B excess charges | Covered | Not covered |
| Skilled nursing facility coinsurance | Covered | Covered |
| Foreign travel emergency | 80% after a deductible, up to plan limits | 80% after a deductible, up to plan limits |
| Who it often fits | People who want the most predictable costs | People who see doctors less often and want a lower monthly premium |
Benefits are set by federal rules and are the same from every insurer. Premiums are not. A high-deductible version of Plan G also exists; it has a lower premium and a yearly deductible you pay first.
Excess charges: why they matter in Florida
A doctor who takes Medicare but doesn’t accept Medicare’s approved amount as full payment can bill you up to 15% more. That extra is called a Part B excess charge. Some states ban excess charges; Florida does not. Plan G pays them. Plan N doesn’t, so with Plan N it helps to use doctors who accept assignment.
Plans C and F
Plans C and F, which also pay the Part B deductible, can only be sold to people who were eligible for Medicare before the federal cutoff for those plans. If you became eligible more recently, Plan G is the closest option. Not sure which group you’re in? Ask us.
When to buy: your Medigap Open Enrollment Period
Your Medigap Open Enrollment Period lasts 6 months and starts the first month you are 65 or older and enrolled in Part B. During that window, an insurer can’t refuse to sell you a plan or charge more because of your health. After it ends, insurers can usually ask health questions, except in specific situations where federal law gives you a guaranteed right to buy (for example, when certain other coverage ends). Full details: the Medigap Open Enrollment Period in Florida.
Already on Medicare but under 65 because of a disability or kidney failure? Rules for buying Medigap before 65 vary by state and insurer, so ask us what is available to you in Florida.
How Florida insurers price Medigap
Because a Plan G is the same everywhere, the comparison is about price and stability. Insurers set prices in different ways: some by your current age, so prices rise as you get older; some by your age when you buy; and some charge everyone in an area the same. Ask how a plan is priced, how its rates have changed and whether it offers a household discount. We compare the Medigap insurers we are appointed with side by side.
Medigap or Medicare Advantage?
Medigap gives you a wide choice of doctors and predictable costs for a higher monthly premium. Medicare Advantage uses networks and copays and often bundles drug coverage and extras. Snowbirds and people who travel often lean toward Medigap; people who stay local and like an all-in-one plan often look at Advantage. Compare them in Medicare Advantage vs Supplement, snowbird Medicare in Florida and Medicare Advantage plans in Florida. Switching from Advantage back to Original Medicare later doesn’t guarantee you can buy Medigap, so decide carefully.
Don’t forget Part D
With Medigap you’ll want a separate Part D plan for prescriptions. Review it every fall during Annual Enrollment (October 15 to December 7), because drug lists and prices change. Start with how to review your Part D drug list. Turning 65? Read turning 65 Medicare enrollment in Florida and the Medicare in Florida guide.
Who helps you
- Areas served: All of Florida by phone and video; in person in Orlando, Kissimmee and Central Florida by appointment
- Meetings: In person in Central Florida by appointment, or by phone and video statewide
- Languages: English and Spanish
- Licensed agent: Lobsang Rivas, licensed health insurance agent, NPN 18838086. Florida resident license; non-resident licenses in Texas, Michigan, Tennessee, New York and New Jersey.
- Hours: Monday–Friday 8 a.m.–5 p.m., Saturday 9 a.m.–3:30 p.m. (Eastern)
- Contact: (321) 315-0054 · agent@inshh.com · WhatsApp
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Medicare Supplement plans in Florida: FAQ
Can I switch Medigap plans anytime in Florida?
You can apply to switch at any time, but outside your Medigap Open Enrollment Period and the situations where federal law gives you a guaranteed right to buy, insurers can usually ask health questions and may charge more or say no. Don’t cancel your current plan until the new one approves you.
Is Plan G or Plan N better?
Neither is better for everyone. Plan G covers more of your costs after the Part B deductible. Plan N usually costs less each month but has copays of up to 20 dollars for some office visits and up to 50 dollars for emergency room visits that don’t lead to an admission, and it doesn’t pay Part B excess charges. We compare both for your budget and how often you see doctors.
Does a Medigap plan work outside Florida?
Yes. Medigap works with Original Medicare, so you can see any doctor or hospital in the United States that accepts Medicare. Plan G and Plan N also include some foreign travel emergency coverage, up to the plan’s limits.
Does Medigap include prescription drug coverage?
No. Medigap plans sold today don’t include drug coverage. Most people with Medigap also join a separate Part D drug plan, ideally when they first get Medicare to avoid a late-enrollment penalty.
Is your help comparing Medigap plans free?
Yes. Our help is free to you. If you buy a plan, the insurance company may pay us a commission, and the price of a given plan is the same whether or not you use an agent.
Get a side-by-side Medigap comparison — free to you
Questions about your situation? A licensed agent can review your options with you — free to you. Call (321) 315-0054 or message us on WhatsApp.
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Medicare disclosures, including the CMS third-party marketing disclaimer, appear in the footer of every page and on our Disclaimers page. Instant Health Help is not connected with or endorsed by the U.S. government or the federal Medicare program.
Lobsang Rivas, licensed health insurance agent, NPN 18838086. Florida resident license; non-resident licenses in Texas, Michigan, Tennessee, New York and New Jersey. Educational content only. Medigap prices and availability depend on the insurer, your age, ZIP code and health history outside your open enrollment period. Official sources: Medicare.gov and Florida SHINE.