Medicare Supplement Insurance Plans in Tampa, FL
Original Medicare leaves gaps. A Medigap plan fills them. We help Tampa residents compare every supplement plan available in their ZIP code and enroll in the one that fits their budget and health needs.
Medicare Information Project is not affiliated with or endorsed by the U.S. government or the federal Medicare program. Plan availability, benefits, and provider networks vary by carrier, location, and year.
Medigap Plans Available in Tampa
All Medigap plans with the same letter offer identical benefits regardless of which insurance company sells them. The only difference between carriers is price and customer service. Here are the most commonly chosen plans in the Tampa area:
- Part A coinsurance and hospital costs
- Part B coinsurance (20% after deductible)
- Part A hospice care coinsurance
- Skilled nursing facility coinsurance
- Part A deductible ($1,736 in 2026)
- Foreign travel emergency (80%)
- xPart B deductible ($283 in 2026)
Plan G covers everything Plan F covers except the Part B deductible. For most new enrollees, Plan G offers the best value.
- Part A coinsurance and hospital costs
- Part B coinsurance (with copays)
- Part A hospice care coinsurance
- Skilled nursing facility coinsurance
- Part A deductible
- Foreign travel emergency (80%)
- xPart B deductible
- xPart B excess charges
- xUp to $20 office visit copay
- xUp to $50 ER copay
Plan N has lower premiums than Plan G. Good for healthy enrollees who rarely see specialists.
- Part A coinsurance and hospital costs
- Part B coinsurance (20%)
- Part A hospice care coinsurance
- xPart A deductible
- xSkilled nursing coinsurance
- xPart B deductible
- xForeign travel
Covers only the core benefits. Most enrollees find Plan G or N to be better value.
- Same benefits as Plan G after deductible
- 2026 deductible: $2,870
- xAll costs until deductible is met
Lowest monthly premium of any Medigap plan. Best for very healthy enrollees who want catastrophic protection.
The Medigap Open Enrollment Window
Your Medigap Open Enrollment Period is the 6-month window that begins the month you are both age 65 and enrolled in Medicare Part B. During this window, insurance companies must sell you any Medigap plan they offer at standard rates, regardless of your health history.
After this window closes, most insurers can use medical underwriting. If you have pre-existing conditions, you may be denied coverage or charged significantly higher premiums. Enrolling during your Open Enrollment Period is almost always the best strategy.
What Tampa Clients Say
"I was paying $210 a month for a Plan G. They found me the exact same coverage with a different carrier for $148. Same benefits, $62 less every month. I wish I had called sooner."
"I did not understand the difference between Advantage and Supplement until they explained it. Once I understood the trade-offs, the decision was easy. Plan G was the right choice for me."
Frequently Asked Questions
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