Medigap Plans
Medicare Supplement Plans in Florida
Medicare Supplement (Medigap) plans fill the gaps in Original Medicare — covering copays, coinsurance, and deductibles so you can see any doctor in the country without surprise bills.
What Is Medicare Supplement (Medigap)?
Original Medicare covers about 80% of your medical costs — leaving you responsible for the remaining 20%, plus deductibles and copays. For many seniors, those out-of-pocket costs can add up to thousands of dollars per year.
A Medicare Supplement plan (also called Medigap) is a private insurance policy that pays those remaining costs. With the right Medigap plan, you can have predictable, near-zero out-of-pocket costs for covered services — and you can see any doctor or hospital in the country that accepts Medicare.
Medigap Plan Comparison Chart
The most popular plans for Florida seniors turning 65 in 2026.
| Benefit | Plan G ⭐ | Plan N | Plan HDG |
|---|---|---|---|
| Part A Coinsurance & Hospital | |||
| Part B Coinsurance | Copays apply | ||
| Part A Deductible | |||
| Part B Deductible | — | — | — |
| Part B Excess Charges | — | ||
| Foreign Travel Emergency | 80% | 80% | 80% |
| Annual Deductible | None | None | $2,870 (2026) |
* Plan F is no longer available to those newly eligible for Medicare after January 1, 2020. Plan G is now the most comprehensive plan available for new enrollees.
Plan G — The Gold Standard for Florida Seniors
Plan G is the most comprehensive Medigap plan available to new Medicare enrollees. It covers everything except the Part B deductible ($283 in 2026) — meaning after you pay that once per year, Medicare and your Plan G cover virtually everything else.
- See any doctor or specialist in the U.S. — no referrals
- No network restrictions — nationwide coverage
- Covers Part B excess charges (balance billing)
- 80% foreign travel emergency coverage
- Predictable costs — no surprise bills
- Rates vary by carrier — I find you the lowest rate
Plan N — The Budget-Friendly Alternative
Plan N offers most of the same benefits as Plan G at a lower monthly premium. The trade-off: you pay small copays ($20 for office visits, $50 for ER visits) and are responsible for Part B excess charges.
For healthy seniors who rarely visit the doctor, Plan N can save hundreds of dollars per year in premiums while still providing excellent coverage.
High-Deductible Plan G (HDG) — Maximum Savings Potential
High-Deductible Plan G carries the same comprehensive benefits as standard Plan G — but you pay a $2,870 deductible (2026) before coverage kicks in. In exchange, monthly premiums are dramatically lower, often 50–70% less than standard Plan G.
HDG is ideal for seniors who are generally healthy, want catastrophic protection against a major illness or hospitalization, and prefer to keep monthly costs as low as possible. Once you hit the deductible, Plan HDG covers everything Plan G covers — including Part B excess charges and 80% foreign travel emergency care.
Is HDG right for you?
If you're in good health and your annual medical costs are typically below $2,870, HDG can save you significantly more in premiums than you'd ever pay out-of-pocket. Call William to run the numbers for your situation.
Why Florida Seniors Choose Medigap
- See any Medicare-accepting doctor in the U.S. — no network
- No referrals needed for specialists
- Predictable monthly costs — no surprise bills
- Ideal for snowbirds and frequent travelers
- Guaranteed renewable — can't be cancelled if you pay premiums
- Rates standardized by state — same benefits, different prices
- I shop every carrier to find your lowest rate
- Works alongside Original Medicare seamlessly
When to Enroll in Medigap
Your Medigap Open Enrollment Period
The best time to enroll is during your 6-month Medigap Open Enrollment Period — which starts the month you turn 65 and are enrolled in Medicare Part B. During this window, insurance companies cannot deny you coverage or charge you more due to pre-existing conditions.
After this window closes, insurers can use medical underwriting — meaning they can charge you more or deny coverage based on your health history. Enrolling at the right time is critical, and I'll make sure you don't miss your window.
Find the Lowest Medigap Rate in Florida
Medigap benefits are standardized — the only difference is price. I compare every carrier to find you the lowest rate for Plan G, Plan N, or any other plan.