Medicare Supplement Plans in Florida
Medicare Supplement (Medigap) plans help cover the out-of-pocket costs that Original Medicare doesn't pay — like copays, coinsurance, and deductibles. As an independent broker, I compare all available plans at no cost to you.
What Is Medicare Supplement (Medigap)?
Medicare Supplement insurance, also called Medigap, is sold by private insurance companies to fill the 'gaps' in Original Medicare (Parts A and B). These plans help pay for costs like hospital stays, doctor visits, and skilled nursing facility care that Medicare doesn't fully cover. Unlike Medicare Advantage, Medigap works alongside Original Medicare — you keep your Medicare card and can see any doctor or specialist in the country who accepts Medicare.
With a Medicare Supplement plan, you'll have predictable costs and no network restrictions — see any Medicare-accepting doctor nationwide.
Medicare Supplement vs. Medicare Advantage: What's the Difference?
| Feature | Medicare Supplement | Medicare Advantage |
|---|---|---|
| Network restrictions | None — any Medicare provider nationwide | Usually limited to plan network (HMO/PPO) |
| Monthly premium | Higher premium, very low out-of-pocket | Often $0 premium, higher out-of-pocket |
| Referrals needed | No referrals required | Required for HMO plans |
| Prescription drugs | Requires separate Part D plan | Usually bundled in |
| Extra benefits | Medical coverage only | May include dental, vision, hearing |
| Cost predictability | Very predictable — fixed copays/coinsurance | Variable — depends on services used |
Medigap Plan Options: Which Plan Covers What?
All Medigap plans are standardized by the federal government — Plan G from one company covers the same benefits as Plan G from another. The difference is price and company reputation.
The most basic Medigap plan. Covers Medicare Part A coinsurance and hospital costs, Part B coinsurance, first 3 pints of blood, and Part A hospice care coinsurance.
- Part A coinsurance & hospital costs
- Part B coinsurance
- First 3 pints of blood
- Part A hospice care coinsurance
Includes everything in Plan A plus the Medicare Part A deductible.
- Everything in Plan A
- Part A deductible
Comprehensive coverage including the Part B deductible. Only available to those eligible for Medicare before January 1, 2020.
- Everything in Plan A
- Part A deductible
- Skilled nursing facility coinsurance
- Part B deductible
- 80% foreign travel emergency
Solid coverage without the Part B deductible. Available to all Medicare beneficiaries.
- Everything in Plan A
- Part A deductible
- Skilled nursing facility coinsurance
- 80% foreign travel emergency
The most comprehensive plan — covers nearly all Medicare out-of-pocket costs. Only available to those eligible for Medicare before January 1, 2020.
- Everything in Plan C
- Part B excess charges
- 80% foreign travel emergency (after $250 deductible, up to $50,000 lifetime)
The most popular plan for new Medicare beneficiaries. Covers everything Plan F covers except the Part B deductible ($283 in 2026). Excellent value.
- Part A coinsurance & hospital costs
- Part B coinsurance
- Part A deductible
- Skilled nursing facility coinsurance
- Part B excess charges
- 80% foreign travel emergency
Same benefits as Plan G but with a high deductible ($2,950 in 2026) in exchange for a significantly lower monthly premium.
- Same as Plan G after deductible is met
Lower premium plan that covers 50% of most benefits. Has an annual out-of-pocket limit ($8,000 in 2026).
- 50% Part A coinsurance
- 50% Part B coinsurance
- 50% Part A deductible
- 50% skilled nursing facility coinsurance
- Annual out-of-pocket limit
Similar to Plan K but covers 75% of most benefits. Has an annual out-of-pocket limit ($4,000 in 2026).
- 75% Part A coinsurance
- 75% Part B coinsurance
- 75% Part A deductible
- 75% skilled nursing facility coinsurance
- Annual out-of-pocket limit
A popular cost-sharing plan with lower premiums than Plan G. You pay small copays ($20 for office visits, $50 for ER) but have no Part B excess charge coverage.
- Part A coinsurance & hospital costs
- Part B coinsurance (with copays)
- Part A deductible
- Skilled nursing facility coinsurance
- 80% foreign travel emergency
When to Enroll in a Medicare Supplement Plan
Timing matters with Medigap. The best time to enroll is during your Medigap Open Enrollment Period — after that, insurers can use medical underwriting to charge you more or deny coverage.
Medigap Open Enrollment Period
6 months starting the month you turn 65 and enroll in Part B
Your guaranteed-issue window. Insurers cannot deny you coverage or charge more based on health conditions. This is the best time to enroll.
Guaranteed Issue Rights
Specific qualifying events
Certain situations give you guaranteed-issue rights outside open enrollment — such as losing employer coverage, your plan leaving Medicare, or moving out of a plan's service area.
Outside Open Enrollment
Any time
You can apply for Medigap at any time, but insurers in most states can use medical underwriting — meaning they can charge higher premiums or deny coverage based on health history.
Why Work With an Independent Medicare Supplement Broker?
Same plan, different prices
Plan G is identical no matter which company sells it — but premiums can vary by hundreds of dollars per year. I compare every carrier available in your area.
Rate stability matters
Some companies raise rates aggressively after year one. I track rate history and help you choose a carrier with a stable pricing record.
No cost to you
My services are always free. Carriers pay broker commissions — you pay the same premium whether you use a broker or not.
Florida-specific expertise
Florida has unique market dynamics. I know which carriers are competitive in your county and which to avoid.
Part D coordination
Medigap doesn't cover prescriptions. I'll pair your Supplement plan with the right Part D drug plan to minimize your total costs.
Medicare Supplement Questions: What Buyers Ask Most
Ready to Compare Medicare Supplement Plans?
I'll review every Medigap plan and carrier available in your Florida county — comparing premiums, rate history, and coverage — at no cost to you.