Medicare Supplement (Medigap) · Florida
Compare Medicare Supplement Plans
Compare top-rated Medicare Supplement plans in your area, understand premiums and coverage, and get guidance from a licensed, independent Florida agent, at no cost to you.
✓ See the top-rated plans available where you live
✓ Compare premiums and coverage side by side
✓ Honest guidance from a licensed agent, with no pressure to enroll
Takes about a minute. No cost or obligation. Florida License W472056.
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Medicare Supplement Basics
What Is a Medicare Supplement (Medigap) Plan?
Short answer: A Medicare Supplement, also called Medigap, is private insurance that pays the deductibles, coinsurance and copays Original Medicare (Parts A and B) leaves behind. Plans are standardized by the federal government, so a Plan G from one company has the same benefits as a Plan G from any other. Only the price and the company's service are different.
You keep Original Medicare. Medicare pays first and your supplement pays most or all of what is left, so your costs are low and predictable.
Freedom to choose. See any doctor or hospital in the country that accepts Medicare, with no networks or referrals.
Add Part D for prescriptions. Medigap does not include drug coverage, so most people pair it with a stand-alone Part D plan.
Compare Medigap RatesUpdated for 2026
2026 Medicare Costs at a Glance
These are the out-of-pocket costs a Medicare Supplement can help cover. Figures are the official 2026 amounts published by the Centers for Medicare & Medicaid Services (CMS).
| Cost | 2026 amount | Covered by Plan G? |
|---|---|---|
| Part B standard monthly premium | $202.90 per month | No (premium) |
| Part B annual deductible | $283 per year | No |
| Part B coinsurance after the deductible | 20% of approved amounts, no yearly cap | Yes, 100% |
| Part A hospital deductible | $1,736 per benefit period | Yes, 100% |
| High-Deductible Plan G / F deductible | $2,950 per year | Applies to High-Deductible plans only |
| Part D out-of-pocket drug cap | $2,100 per year | Part D plan, not Medigap |
| Plan K / Plan L out-of-pocket limit | $8,000 / $4,000 | Applies to Plans K and L |
Most Popular Plans
Medicare Supplement Plan G vs. Plan N vs. High-Deductible G
Most people new to Medicare in Florida choose one of these three plans. Here is how they compare so you can decide how much you want to pay up front versus when you use care.
Most Popular
Plan G
The most complete coverage available to anyone new to Medicare. After the $283 Part B deductible, you pay nothing more for Medicare-covered care in 2026.
✓ Covers the Part A hospital deductible ($1,736)
✓ 100% of Part B coinsurance
✓ Covers Part B excess charges
✓ 80% of emergency care abroad
Lower Premium
Plan N
Nearly the same protection as Plan G for a lower monthly premium, in exchange for small copays when you see a doctor.
✓ Covers the Part A hospital deductible
✓ Up to $20 copay for some office visits
✓ Up to $50 ER copay, waived if admitted
✓ Lower monthly premium than Plan G
Lowest Premium
High-Deductible Plan G
The same benefits as Plan G after you meet a yearly deductible of $2,950 (2026). A good fit for healthy retirees who want catastrophic protection at a low premium.
✓ Very low monthly premium
✓ Full Plan G benefits after the deductible
✓ Deductible adjusts each year
✓ Pairs well with an emergency fund
What about Plan F? Plans F and C are only available to people who became eligible for Medicare before January 1, 2020. If you already have Plan F, a free rate review can show whether switching to Plan G would lower your premium.
Side-by-Side Chart
Compare All 10 Medicare Supplement Plans
Every Medigap plan with the same letter has the same benefits, no matter which company sells it. Use this chart to see what each plan pays.
| Benefit | A | B | C | D | F | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance and hospital costs (up to 365 extra days) | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Part B coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100%* |
| Blood (first 3 pints) | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A hospice care coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled nursing facility coinsurance | No | No | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A deductible | No | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 50% | 100% |
| Part B deductible | No | No | 100% | No | 100% | No | No | No | No | No |
| Part B excess charges | No | No | No | No | 100% | 100% | No | No | No | No |
| Foreign travel emergency (up to plan limits) | No | No | 80% | 80% | 80% | 80% | No | No | 80% | 80% |
| 2026 out-of-pocket limit | $8,000 | $4,000 |
Plan F and Plan C are only available if you were eligible for Medicare before January 1, 2020. Plan N pays 100% of Part B coinsurance except up to a $20 copay for some office visits and up to a $50 copay for emergency room visits that do not result in an inpatient admission. Plans K and L pay 100% of covered services for the rest of the year once you reach the out-of-pocket limit and the Part B deductible. Source: Medicare.gov and CMS, 2026.
Get Quotes for Every PlanKnow Your Options
Medicare Supplement vs. Medicare Advantage
This is the biggest Medicare decision you will make, and in many cases it is hard to reverse later. Here is the difference in plain English.
| Feature | Medicare Supplement (Medigap) | Medicare Advantage (Part C) |
|---|---|---|
| Doctors and hospitals | Any provider in the U.S. that accepts Medicare | Usually limited to the plan network |
| Referrals to see specialists | Not required | Often required (HMO plans) |
| Monthly premium | Higher, paid in addition to Part B | Often low or $0, plus Part B |
| Costs when you get care | Low and predictable (none on Plan G after the Part B deductible) | Copays and coinsurance up to a yearly maximum |
| Travel | Coverage nationwide, plus foreign travel emergency on most plans | Mostly local, emergencies covered |
| Prescription drugs | Add a stand-alone Part D plan | Usually included |
| Extra benefits | Not included | May include dental, vision and hearing |
| Switching later | Health questions may apply after open enrollment | Can change each year during Annual Enrollment |
Why it matters in Florida: If you start with Medicare Advantage and later want a Medicare Supplement, you may have to answer health questions and can be turned down. Getting this choice right at 65 protects your options for life.
Enrollment Timing
When Should You Enroll in a Medicare Supplement?
The best time to buy a Medicare Supplement is during your Medigap Open Enrollment Period: the 6 months that begin the first month you are 65 or older and enrolled in Part B. During this window you are guaranteed approval at the best available rate, even with health conditions.
| Enrollment period | When | Why it matters |
|---|---|---|
| Initial Enrollment Period | 7 months: the 3 months before, the month of, and the 3 months after you turn 65 | Your first chance to sign up for Parts A, B and D without late penalties. |
| Medigap Open Enrollment | 6 months starting the month you are 65 and enrolled in Part B | Buy any Medicare Supplement plan with no health questions. |
| Special Enrollment Period | Up to 8 months after employer coverage or employment ends | Lets you delay Part B while covered by a large employer plan. |
| Annual Enrollment Period | October 15 to December 7 | Change Medicare Advantage or Part D plans for January 1. |
| Medicare Advantage Open Enrollment | January 1 to March 31 | Switch Advantage plans or return to Original Medicare once. |
| General Enrollment Period | January 1 to March 31 | For anyone who missed their window. Late penalties may apply. |
Retiring before 65? See how to bridge the health insurance gap to Medicare.
Avoid Costly Errors
Common Medicare Mistakes to Avoid
Missing Your Medigap Open Enrollment
After your 6-month guaranteed window closes, insurers can ask health questions, charge more or decline you. Many people only learn this when they try to switch.
Delaying Part B Without Coverage
If you skip Part B without qualifying employer coverage, you can owe a penalty of 10% for every 12 months you waited, for as long as you have Part B.
Choosing on Premium Alone
A $0 premium plan can still mean thousands in copays when you need care. Compare the total yearly cost, not just the monthly premium.
Skipping Part D
Going without drug coverage can trigger a lifetime Part D late penalty, even if you take no prescriptions today.
Never Shopping Your Rate Again
Medigap premiums rise over time. Because benefits are identical, the same plan from a different company can cost much less.
Already Have a Medicare Supplement?
Get a free rate check. We will compare your current plan against other top-rated companies and show you if you can get the same coverage for less.
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How to Compare Medicare Supplement Plans in Florida
The same plan letter can cost very different amounts from one company to the next. Here is what to look at before you choose.
Plan G Is Plan G Everywhere
Medicare Supplement plans are standardized by federal law, so Plan G pays the same benefits no matter which company sells it. What differs is the price, how the company raises rates and how it treats you.
Compare Plan G prices →What Sets Your Premium
Your age, ZIP code, tobacco use and any household discount set your price. Two neighbors in different ZIP codes can pay different amounts for the exact same plan.
Get a quote for your ZIP code →How Prices Change Over Time
Companies price plans by your current age, your age when you buy, or the same rate for everyone. Ask which method a company uses and how much its rates have risen in recent years, not just the starting price.
Ask Roger to compare →Pick a Company You Can Keep
After your first six months on Part B, switching plans usually means answering health questions, so the company you choose may be the one you keep. Look at financial strength and service, not only price.
Read: Supplement vs Advantage →Plan G or Plan N
Plan N usually costs less each month in exchange for copays of up to $20 at the doctor and up to $50 at the emergency room, and it does not cover Part B excess charges.
Quote Plan G and Plan N →Add a Part D Plan
Medicare Supplement plans do not cover prescriptions. Choose a Part D plan by your drugs and pharmacy, and check it each fall, because plans change during Annual Enrollment from October 15 to December 7.
Read: 2026 open enrollment guide →We compare Medicare Supplement plans for Orlando, Kissimmee, Lakeland, Tampa, Ocala and ZIP codes across Florida, at no cost to you.
How It Works
Your Free Medicare Quote in Three Simple Steps
No cost, no pressure and no obligation to enroll. You pay the same premium whether you enroll with us or directly with the insurance company.
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We Compare Carriers
We compare Medigap rates from multiple top-rated insurers in your area and review your doctors and prescriptions.
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Roger walks you through your options, handles the paperwork and reviews your rate every year after you enroll.
Questions first? Call (407) 974-7100
Why Roger Fishel Financial
Work With a Local, Independent Medicare Agent in Orlando
Call a big national call center and you may never talk to the same person twice. Work with us and you have one local, licensed agent who knows Florida Medicare and answers your calls year after year.
✓ Independent: we compare multiple top-rated carriers
✓ 20+ years helping Central Florida retirees
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Questions first? Call (407) 974-7100
Complete Medicare Help
More Ways We Help Florida Retirees With Medicare
Medicare is more than one plan. We coordinate every piece so your healthcare fits your retirement income plan.
Part D Prescription Drug Plans
We check your exact medications against each plan's formulary and pharmacy network every year. In 2026, Part D out-of-pocket drug costs are capped at $2,100.
Review my drug coverage →Medicare Advantage Reviews
If a Medicare Advantage plan fits you better, we will explain the networks, copays and yearly out-of-pocket maximum so you know the real cost before you enroll.
Read the 2026 Open Enrollment guide →IRMAA and Higher-Income Premiums
Higher incomes pay more for Part B and Part D. Smart retirement income planning can help keep you under the IRMAA brackets.
Learn how IRMAA works →Retiring Before 65
Leaving work early? We help you bridge the health insurance gap until Medicare starts and plan your move to Medicare without penalties.
Plan your bridge to Medicare →
Frequently Asked Questions
Medicare Supplement Questions, Answered
Straight answers to the questions Florida retirees ask us most about Medigap.
What is the best Medicare Supplement plan in Florida?
For most people new to Medicare, Plan G offers the most complete coverage available: after the Part B deductible ($283 in 2026), it pays for all Medicare-covered costs. Plan N is a popular lower-premium alternative with small copays. Because benefits are standardized, the best plan is the right letter for your needs from the company with the best price and rate history.
How much does a Medicare Supplement cost in Florida?
Premiums depend on your age, ZIP code, tobacco use, the plan letter and the insurance company. Because every company must provide identical benefits for the same plan letter, prices for the same coverage can vary widely. A free quote comparison shows your actual rates from multiple carriers.
Is Medicare Supplement Plan G the same from every company in Florida?
Yes. Medicare Supplement plans are standardized by federal law, so Plan G pays the same benefits no matter which company sells it. What differs is the premium, how the company sets and raises its rates, and its customer service. That is why comparing several companies for your ZIP code matters.
What is the difference between Plan G and Plan N?
Both cover the Part A deductible and Part B coinsurance. Plan G has no copays after the Part B deductible and covers Part B excess charges. Plan N has a lower premium, but you may pay up to $20 for some office visits and up to $50 for emergency room visits that do not result in admission, and it does not cover excess charges.
When can I enroll in a Medicare Supplement plan?
The best time is your Medigap Open Enrollment Period, the 6 months that start the first month you are 65 or older and enrolled in Medicare Part B. During this window you cannot be denied or charged more because of your health. You can apply at other times, but insurers may use medical underwriting.
Can I be denied a Medicare Supplement plan?
During your Medigap Open Enrollment Period or when you have a guaranteed issue right, you cannot be denied. Outside those windows, insurers in Florida can ask health questions and may decline coverage or charge more based on your health.
Does a Medicare Supplement cover prescription drugs?
No. Medicare Supplement plans sold today do not include drug coverage. Most people add a stand-alone Medicare Part D plan. In 2026, Part D out-of-pocket drug costs are capped at $2,100 per year.
Should I choose Medicare Supplement or Medicare Advantage?
A Medicare Supplement usually has a higher premium but low, predictable costs and lets you see any doctor nationwide who accepts Medicare. Medicare Advantage often has a low or $0 premium but uses networks, copays and a yearly out-of-pocket maximum. Your doctors, travel plans, health and budget decide which fits you best.
Can I keep my doctor with a Medicare Supplement?
Yes, if your doctor accepts Medicare. Medicare Supplement plans have no networks, so you can see any doctor or hospital in the United States that accepts Medicare, without referrals.
Does it cost more to use a Medicare agent?
No. Medicare Supplement premiums are filed with the state, so you pay the same premium whether you enroll through an agent or directly with the insurance company. Our comparison, enrollment help and yearly reviews are free.
Can I switch Medicare Supplement plans later?
Yes, you can apply to switch at any time, but outside a guaranteed issue period the new insurer may ask health questions. If you are healthy, switching to the same plan letter with a lower-priced company can save you money each year.
Make Medicare Simple
Get Your Free Medicare Supplement Quote Today
It takes about a minute, there is no cost or obligation, and you get honest guidance from a local, independent agent who works for you, not an insurance company.
Get My Free QuotePrefer to talk now? Call (407) 974-7100
Disclaimer: Roger Fishel Financial is not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed insurance agent may contact you. Information on this page is for educational purposes and is not a complete description of benefits; contact a licensed agent for full plan details. We represent multiple insurance carriers but do not offer every plan available in your area. For information on all of your options, contact Medicare.gov, 1-800-MEDICARE (TTY 1-877-486-2048), or Florida SHINE, the State Health Insurance Assistance Program, at 1-800-963-5337. There is no obligation to enroll. Roger Fishel, Licensed Insurance Agent, Florida License # W472056.
