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Here are your personalized 2026 Medicare options:
What Happens Next?
Your local licensed agent will contact you within 24 hours to review your personalized Medicare options and help you find the best plan for your needs and budget.
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⏰ Annual Enrollment Period ends December 7, 2025 - Don't wait!
Medicare Supplement Benefits
Deductible Coverage
Help pay Medicare Part A and B deductibles
Coinsurance
Coverage for Medicare coinsurance amounts
Travel Coverage
Emergency care when traveling outside the US
Understanding Medicare Supplement Insurance
Medicare Supplement insurance (Medigap) helps fill "gaps" in Original Medicare coverage. These standardized plans help pay some of the healthcare costs that Original Medicare doesn't cover.
What is Medicare Supplement Insurance?
🏥 Medicare Supplement Basics
Medicare Supplement insurance (also called Medigap) is private insurance that helps pay for healthcare costs that Original Medicare doesn't cover. These "gaps" include deductibles, coinsurance, and copayments.
- Works alongside Original Medicare Parts A & B
- Sold by private insurance companies
- Standardized plans with identical benefits
- Renewable as long as you pay premiums
🌎 How Medigap Works with Original Medicare
Medicare Supplement plans work as secondary insurance. Medicare pays first, then your Medigap plan pays its share of Medicare-approved amounts.
Example: $1,000 medical bill → Medicare pays $800 → Medigap pays $200 → You pay $0
🔑 Key Benefits of Medicare Supplement
No Networks
See any doctor that accepts Medicare
Nationwide Coverage
Coverage anywhere in the US
Guaranteed Renewable
Cannot be cancelled for health reasons
Predictable Costs
Know your monthly premium
Types of Medigap Plans Available in Florida
Medigap plans are standardized and labeled with letters. Each plan type offers the same benefits regardless of which insurance company sells it.
📋 Medigap Plan G
Most Popular Choice
Comprehensive coverage that pays for nearly all out-of-pocket costs except the Medicare Part B annual deductible.
Plan G Covers:
- ✅ Part A deductible ($1,632 in 2024)
- ✅ Part A & B coinsurance
- ✅ Part A hospice coinsurance
- ✅ Skilled nursing facility coinsurance
- ✅ First 3 pints of blood
- ✅ Foreign travel emergency (80%)
- ❌ Part B deductible ($240 in 2024)
Best for: People who want comprehensive coverage and don't mind paying the Part B deductible.
💰 Medigap Plan N
Lower Premium Option
Good coverage with lower premiums, but requires small copayments for some services.
Plan N Covers:
- ✅ Part A deductible ($1,632 in 2024)
- ✅ Part A coinsurance
- ✅ Part A hospice coinsurance
- ✅ Skilled nursing facility coinsurance
- ✅ First 3 pints of blood
- ✅ Foreign travel emergency (80%)
- ⚠️ Part B coinsurance (except up to $20 copay for office visits)
- ❌ Part B deductible ($240 in 2024)
Best for: People who want lower premiums and don't mind small copayments.
🏆 Medigap Plan F
Limited Availability
Most comprehensive coverage available, but only for those eligible for Medicare before January 1, 2020.
Plan F Covers:
- ✅ Part A deductible ($1,632 in 2024)
- ✅ Part A & B coinsurance
- ✅ Part B deductible ($240 in 2024)
- ✅ Part A hospice coinsurance
- ✅ Skilled nursing facility coinsurance
- ✅ First 3 pints of blood
- ✅ Foreign travel emergency (80%)
Note: Plan F is only available to those who became eligible for Medicare before January 1, 2020.
Complete Medigap Plans Coverage Chart
| Benefits | Plan A | Plan B | Plan C* | Plan D | Plan F* | Plan G | Plan K | Plan L | Plan M | Plan N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A Coinsurance | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | 50% | 75% | ✅ | ✅ |
| Part A Deductible | ❌ | ✅ | ✅ | ✅ | ✅ | ✅ | 50% | 75% | 50% | ✅ |
| Part B Coinsurance | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | 50% | 75% | ✅ | ✅** |
| Part B Deductible | ❌ | ❌ | ✅ | ❌ | ✅ | ❌ | ❌ | ❌ | ❌ | ❌ |
| First 3 Pints of Blood | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | 50% | 75% | ✅ | ✅ |
| Foreign Travel Emergency | ❌ | ❌ | 80% | 80% | 80% | 80% | ❌ | ❌ | 80% | 80% |
* Plans C and F are only available to those eligible for Medicare before January 1, 2020.
** Plan N covers Part B coinsurance except for up to $20 copay for office visits and up to $50 copay for emergency room visits.
Medicare Supplement FAQ
Common questions about Medicare Supplement insurance
Is there a network with Medigap plans?
No, there are no networks with Medicare Supplement (Medigap) plans. This is one of the biggest advantages of Medigap over Medicare Advantage. You can see any doctor, specialist, or hospital anywhere in the United States that accepts Medicare, without referrals or network restrictions.
Key Benefit: Complete freedom to choose your healthcare providers nationwide.
Medicare Advantage vs Medigap - What's the difference?
These are two completely different approaches to Medicare coverage:
Medicare Supplement (Medigap)
- ✅ Works WITH Original Medicare
- ✅ No networks - see any Medicare doctor
- ✅ Predictable costs
- ✅ Nationwide coverage
- ✅ Guaranteed renewable
- ❌ No prescription drug coverage (need Part D)
- ❌ No extra benefits (dental, vision)
Medicare Advantage
- ✅ Replaces Original Medicare
- ✅ Often includes prescription drugs
- ✅ May include extra benefits
- ✅ Often $0 premium
- ❌ Network restrictions
- ❌ Plan can change annually
- ❌ Variable out-of-pocket costs
Bottom line: Medigap gives you more freedom and predictability, while Medicare Advantage often costs less upfront but has more restrictions.
What are the pros and cons of Medigap?
✅ Pros of Medigap
- No networks: See any Medicare-accepting doctor
- Predictable costs: Know your exact monthly premium
- Nationwide coverage: Travel with confidence
- Guaranteed renewable: Can't be cancelled for health reasons
- Stable benefits: Plans don't change each year
- No referrals needed: Direct access to specialists
❌ Cons of Medigap
- Higher premiums: Monthly cost in addition to Medicare Part B
- No prescription coverage: Need separate Part D plan
- No extra benefits: No dental, vision, or wellness programs
- Medical underwriting: Health questions after initial enrollment period
- Premium increases: Rates can increase over time
When is the best time to buy a Medigap plan?
The best time is during your 6-month Medigap Open Enrollment Period, which starts when you're 65 or older and enrolled in Medicare Part B for the first time.
🎯 Why This Window Is Critical:
- Guaranteed Issue Rights: Cannot be denied coverage
- No Health Questions: Pre-existing conditions don't matter
- Standard Pricing: Cannot be charged more due to health status
- Any Plan Available: Can choose any Medigap plan sold in your state
How much does Medigap cost in Florida?
Medigap premiums in Florida typically range from $100-$400+ per month, depending on several factors:
Plan Type
Plan G typically costs more than Plan N
Your Age
Premiums increase with age
Insurance Company
Rates vary significantly by carrier
Location
Rates vary by Florida county
💡 Money-Saving Tip: The monthly premium is often offset by savings on medical bills, especially for Plan G which covers nearly everything except the Part B deductible.
Can I be denied Medigap coverage?
It depends on when you apply:
✅ During Open Enrollment
- Cannot be denied for any reason
- No health questions asked
- No waiting periods for pre-existing conditions
- Standard rates regardless of health
❌ After Open Enrollment
- Medical underwriting required
- Health questions must be answered
- Can be denied for health reasons
- Higher rates possible
Are all Medigap Plan G policies the same?
Yes, all Plan G policies offer identical benefits regardless of which insurance company sells them. This is because Medigap plans are federally standardized.
What CAN Differ Between Companies:
- Premium costs - Shop around for the best rate
- Customer service - Claims processing and support
- Rate increase history - Some companies raise rates more frequently
- Financial stability - A.M. Best ratings matter
Does Medigap work when I travel?
Yes, Medigap works anywhere in the United States where Medicare is accepted. Many plans also provide limited coverage for foreign travel emergencies.
🇺🇸 Domestic Travel
Full coverage anywhere in all 50 states, D.C., and U.S. territories
🌍 International Travel
Plans C, D, F, G, M, and N cover 80% of foreign travel emergencies
Does Medigap cover prescription drugs?
No, Medigap plans do not cover prescription drugs. You'll need to enroll in a separate Medicare Part D prescription drug plan if you want drug coverage.
Important: You should enroll in Part D when you first become eligible to avoid late enrollment penalties, even if you don't take many medications currently.
Ready to Compare Medigap Plans?
Our licensed Medicare specialists will help you find the right plan at the best price.
