Written By
Greg Wohl
Licensed Medicare Specialist
Medicare Supplement plans, also called Medigap, are standardized by the federal government. Every Plan G from every insurer in Florida covers exactly the same benefits. Every Plan N from every insurer covers exactly the same benefits. The only difference between insurers is the monthly premium.
This standardization is both a simplification and a trap. It simplifies the benefit comparison (you only need to compare one plan letter at a time), but it means that choosing the wrong insurer for the same plan letter can cost you hundreds of dollars per year for identical coverage.
This guide explains the key plan letters available in Florida for 2026, compares their benefits and costs, and gives you a framework for choosing the right plan.
Key Takeaways
- Plan G is the most comprehensive plan available to new enrollees: Plan F (which covered the Part B deductible) is no longer available to people who became eligible for Medicare on or after January 1, 2020. Plan G is now the most comprehensive option, covering everything except the Part B deductible ($257 in 2026).
- Plan N offers lower premiums with modest cost-sharing: Plan N has lower premiums than Plan G but requires copays of up to $20 for office visits and up to $50 for emergency room visits (waived if admitted). It also does not cover Part B excess charges, which can be a factor if you see providers who do not accept Medicare assignment.
- Benefits are identical across all insurers for the same plan letter: A Plan G from Humana covers exactly the same benefits as a Plan G from Aetna, Cigna, or Mutual of Omaha. The only difference is the monthly premium. Always compare premiums from multiple insurers before enrolling.
- Premium rating method affects long-term costs: Florida Medigap insurers use different rating methods: attained-age (premium increases as you age), issue-age (premium locked at your age when you enroll), or community-rated (same premium for all ages). The rating method significantly affects your long-term costs.
- Your Open Enrollment Period is the best time to enroll: During your 6-month Medigap Open Enrollment Period (starting when you are 65+ and enrolled in Part B), insurers cannot deny you or charge more based on your health. Outside this window, Florida insurers can use medical underwriting.
- Plan G High-Deductible is an option for lower premiums with more risk: Plan G High-Deductible (HDG) has a $2,870 deductible in 2026 before coverage kicks in, but monthly premiums can be as low as $40 to $60 per month. It is a good option for healthy beneficiaries who want catastrophic protection at a lower monthly cost.
Medigap Plan Comparison: G vs. N vs. F vs. HDG
The table below compares the four most popular Medigap plans available in Florida for 2026.
| Benefit | Plan G | Plan N | Plan F* | Plan G-HD |
|---|---|---|---|---|
| Part A deductible | Covered | Covered | Covered | After deductible |
| Part B deductible ($257) | Not covered | Not covered | Covered | Not covered |
| Part B coinsurance (20%) | Covered | Covered | Covered | After deductible |
| Part B excess charges | Covered | Not covered | Covered | After deductible |
| SNF coinsurance | Covered | Covered | Covered | After deductible |
| Foreign travel emergency | 80% (after $250 ded.) | 80% (after $250 ded.) | 80% (after $250 ded.) | After deductible |
| Office visit copay | None | Up to $20 | None | None (after ded.) |
| ER copay | None | Up to $50 | None | None (after ded.) |
| Typical FL premium (age 65) | $120-$220/mo | $90-$160/mo | $140-$250/mo* | $40-$70/mo |
*Plan F is only available to beneficiaries who became eligible for Medicare before January 1, 2020.
Plan G: The Most Popular Choice for New Enrollees
Plan G is the most comprehensive Medigap plan available to beneficiaries who became eligible for Medicare on or after January 1, 2020. It covers everything except the Part B deductible ($257 in 2026).
Why Plan G is the top choice: After you pay the Part B deductible once per year, Plan G covers 100% of Medicare-approved costs for the rest of the year. There are no copays, no coinsurance, and no surprise bills for covered services. You can see any Medicare-accepting provider in the country.
Who Plan G is best for: Beneficiaries who want maximum financial predictability and unrestricted provider access. It is particularly valuable for people with ongoing medical needs, frequent travelers, and those who want to avoid the complexity of managing cost-sharing.
Plan G premiums in Florida (age 65, non-tobacco): Typical premiums range from $120 to $220 per month depending on the insurer, your county, and the rating method. Shopping multiple insurers is essential since the benefits are identical.
How to Choose the Right Plan and Insurer
Since Medigap benefits are standardized, your decision comes down to three factors: which plan letter fits your needs, which insurer offers the lowest premium, and which rating method gives you the best long-term value.
Step 1: Choose your plan letter. For most new enrollees, the choice is between Plan G and Plan N. Choose Plan G if you want zero cost-sharing and maximum simplicity. Choose Plan N if you want lower premiums and are comfortable with modest copays.
Step 2: Compare premiums from multiple insurers. Premiums for the same plan letter can vary by 30% or more between insurers in Florida. Get quotes from at least 3 to 5 insurers. Major Florida Medigap insurers include Humana, Aetna, Cigna, Mutual of Omaha, United American, and Florida Blue.
Step 3: Check the rating method. Attained-age rating (most common) means premiums increase as you age. Issue-age rating locks in your premium based on your enrollment age. Community-rated plans charge everyone the same. Issue-age and community-rated plans may offer better long-term value even if the initial premium is higher.
Step 4: Check the insurer's financial rating. Look for an A.M. Best rating of A or better. Medigap is a long-term commitment.
For personalized help comparing Medigap premiums from multiple Florida insurers, schedule a free consultation with our licensed specialists. You can also visit our Medicare Supplement overview page for more information.
The Bottom Line on Medicare Supplement Plans in Florida 2026
Medigap benefits are standardized, so the key decisions are which plan letter fits your needs and which insurer offers the best premium for that plan.
- Plan G is the most comprehensive option: covers everything except the $257 Part B deductible, with premiums of $120 to $220 per month at age 65
- Plan N offers lower premiums ($90 to $160) with modest office visit and ER copays and no Part B excess charge coverage
- Plan G High-Deductible offers the lowest premiums ($40 to $70) with a $2,870 annual deductible before full coverage kicks in
- Plan F is only available to pre-2020 enrollees and covers the Part B deductible that Plan G does not
- Shop multiple insurers: premiums for the same plan can vary by 30% or more in Florida
Our licensed specialists can compare Medigap premiums from multiple Florida insurers and help you choose the right plan for your situation. Schedule a free consultation to get started.
Frequently Asked Questions
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