What is the best Medicare Plan G in Florida?

There is no single 'best' Plan G carrier — because Plan G benefits are identical across all carriers, the best plan is the one with the most competitive premium, stable rate history, and strong financial rating for your specific age and ZIP code. An independent broker can compare all available carriers in your area.

How much does Medicare Plan G cost in Florida?

Plan G premiums in Florida vary by age, gender, ZIP code, and carrier. A 65-year-old woman might see quotes ranging from $110 to $190 per month. A 70-year-old man might see quotes from $150 to $250 per month. The only way to know your specific rate is to get a quote based on your age and ZIP code.

For most people, yes. Plan G eliminates nearly all Medicare cost-sharing except the $283 Part B deductible. It provides freedom to see any Medicare-accepting doctor nationwide, no network restrictions, and stable, predictable costs. The monthly premium is the only variable.

What is the Medicare Part B deductible for 2026?

The Medicare Part B deductible is $283 in 2026. This is the only cost-sharing you pay for Medicare-covered services under Plan G. After you meet this deductible, Plan G covers 100% of Medicare-approved costs.

Can I use Plan G with any doctor?

Yes. Plan G works with any doctor, specialist, or hospital that accepts Medicare — anywhere in the United States. There are no networks, no referrals, and no prior authorizations required.

Can I be denied Plan G coverage?

During your Medigap Open Enrollment Period (the 6 months starting when you turn 65 and enroll in Part B), you cannot be denied Plan G coverage or charged more due to health conditions. After that window, carriers can use medical underwriting and may decline your application.

What is the difference between Plan G and Plan F?

Plan F covered the Medicare Part B deductible; Plan G does not. Plan F is no longer available to people who became Medicare-eligible after January 1, 2020. For those who can still get Plan F, Plan G is usually the better value because the premium savings typically exceed the $283 deductible.

How does Plan G compare to Medicare Advantage?

Plan G works alongside Original Medicare with no networks, no referrals, and predictable costs. Medicare Advantage replaces Original Medicare with a managed care plan that has networks, prior authorizations, and variable cost-sharing. Plan G generally provides more freedom and predictability; Medicare Advantage often has lower premiums but higher potential out-of-pocket costs.

What is the Medigap Open Enrollment Period?

Your Medigap Open Enrollment Period is the 6-month window that begins when you are both 65 or older and enrolled in Medicare Part B. During this period, you have guaranteed issue rights — no carrier can deny you Plan G coverage or charge more based on your health history. This is the best time to enroll.

Does Plan G cover emergency care outside the U.S.?

Yes. Plan G covers 80% of emergency care costs when traveling outside the United States, after a $250 deductible, up to a $50,000 lifetime limit. This is a benefit that Medicare Advantage plans often do not provide.

What are Part B excess charges?

Part B excess charges occur when a doctor does not accept Medicare assignment and charges up to 15% above the Medicare-approved amount. Plan G covers these excess charges in full. Plan N does not cover excess charges, which is one of the key differences between the two plans.

What is the Plan G deductible?

Plan G itself has no deductible. The only cost you pay for Medicare-covered services under Plan G is the Medicare Part B deductible ($283 in 2026). After that, Plan G covers 100% of Medicare-approved costs for the rest of the year.

How do I get a Plan G quote?

You can use the quote tool on this page to see real-time Plan G rates from multiple carriers based on your age and ZIP code. Or call me directly at 386-871-3858 and I will pull quotes from every carrier I represent and walk you through the comparison.

Is there a waiting period for Plan G?

If you enroll during your Medigap Open Enrollment Period or under guaranteed issue rights, there is no waiting period for most conditions. If you enroll through medical underwriting, some carriers may impose a 6-month waiting period for pre-existing conditions.

Does Plan G have a network?

No. Plan G has no network. It works with any doctor, specialist, or hospital that accepts Medicare — anywhere in the United States. This is one of the most significant advantages of Plan G over Medicare Advantage.

What happens to my Plan G if I move to another state?

Plan G is portable. If you move to another state, your Plan G coverage continues. You may want to compare rates in your new state, as premiums vary by location, but your coverage does not lapse when you move.

Can I have Plan G and Medicare Advantage at the same time?

No. Medicare Supplement plans like Plan G are designed to work with Original Medicare (Parts A and B). If you are enrolled in Medicare Advantage, you cannot use a Medigap plan. You must choose one approach or the other.

How does Plan G handle skilled nursing facility care?

Medicare covers skilled nursing facility care for days 1–20 in full. For days 21–100, there is a daily coinsurance ($209.50 per day in 2026). Plan G covers that coinsurance in full. After day 100, Medicare and Plan G coverage ends.

Is Plan G available in all Florida counties?

Yes. Plan G is available statewide in Florida. However, the carriers available and the premiums charged vary by county and ZIP code. I serve clients throughout Northeast Florida including Volusia, Flagler, St. Johns, Putnam, and Duval counties.

Do Plan G premiums increase every year?

Yes, Plan G premiums typically increase over time due to inflation, rising healthcare costs, and — for attained-age policies — your increasing age. The rate of increase varies by carrier. Researching a carrier's rate history before enrolling is one of the most important steps in choosing a Plan G policy.

Medicare Plan G Quote — Florida 2026

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Q: Does Plan G cover prescription drugs?

No. Plan G does not include prescription drug coverage. You need a separate Medicare Part D plan for prescriptions. I can help you compare Part D plans alongside your Plan G quote.

Q: Can I switch Plan G carriers after I enroll?

Yes, but you will typically need to pass medical underwriting. Florida does not have a birthday rule that guarantees switching rights. If you are in good health and your current carrier has been raising rates aggressively, switching may save significant money. I can help you evaluate whether switching makes sense.

Plan G is the most popular Medicare Supplement plan in America — and for good reason. Compare real Plan G rates from multiple top-rated carriers in minutes. No obligation. No pressure. Just honest answers from an independent broker with nearly 30 years of experience.

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What Is Medicare Supplement Plan G?

Medicare Supplement Plan G — also called Medigap Plan G — is a private insurance policy that fills in the gaps Original Medicare leaves behind. It is the most comprehensive Medigap plan available to new Medicare enrollees today.

When you have Original Medicare (Parts A and B), Medicare pays its share of covered services — typically 80% of the approved amount for outpatient care. That leaves you responsible for the remaining 20%, plus deductibles, copays, and other cost-sharing. Those out-of-pocket costs can add up quickly, especially if you have a serious illness, a hospital stay, or frequent specialist visits.

Plan G steps in and covers nearly all of those remaining costs. With Plan G, your only predictable out-of-pocket expense for Medicare-covered services is the Medicare Part B deductible — which is $283 in 2026. After you meet that deductible, Plan G covers 100% of your Medicare-approved costs for the rest of the year.

Plan G is standardized by the federal government. Every insurance company that sells Plan G in Florida must offer exactly the same benefits. The coverage is identical regardless of which carrier you choose. The only meaningful difference between carriers is the monthly premium — which is exactly why comparing quotes matters.

Key insight: Plan G covers everything Medicare Supplement Plan F covered — except the Part B deductible. For most people, the premium savings more than offset that $283 annual deductible.

What Does Medicare Plan G Cover?

Plan G provides near-complete coverage for Medicare-approved services. Here is exactly what Plan G covers:

Medicare Part A hospital coinsurance and costs up to 365 days after Medicare benefits are exhausted

Covers your share of inpatient hospital costs, including extended stays beyond what Medicare covers.

Medicare Part A deductible

The 2026 Part A deductible is $1,676 per benefit period. Plan G pays this in full.

Medicare Part A hospice care coinsurance or copayment

Covers your cost-sharing for hospice services approved by Medicare.

Medicare Part B coinsurance or copayment

After you meet the Part B deductible, Plan G pays the 20% Medicare leaves behind for all covered outpatient services.

Medicare Part B excess charges

If a doctor does not accept Medicare assignment, they can charge up to 15% above the Medicare-approved amount. Plan G covers that excess.

Skilled nursing facility care coinsurance

Medicare covers days 1–20 of skilled nursing care in full. Days 21–100 have a daily coinsurance ($209.50/day in 2026). Plan G covers that coinsurance.

Blood (first 3 pints)

Medicare does not cover the first 3 pints of blood used in a medical procedure. Plan G covers this cost.

Foreign travel emergency care (up to plan limits)

Plan G covers 80% of emergency care costs when traveling outside the U.S., after a $250 deductible, up to a $50,000 lifetime limit.

What Plan G Does NOT Cover

Plan G is comprehensive, but it does not cover everything. Understanding these gaps helps you plan accordingly.

Medicare Part B deductible ($283 in 2026)

This is the only cost-sharing you pay for covered services under Plan G.

Prescription drugs (Part D)

You need a separate Medicare Part D plan for prescription drug coverage.

Dental, vision, and hearing

Original Medicare does not cover routine dental, vision, or hearing. Plan G follows Medicare's coverage rules.

Learn about standalone dental insurance

Long-term custodial care

Plan G does not cover nursing home care that is custodial in nature (help with daily activities).

Non-Medicare-approved services

If Medicare does not approve a service, Plan G will not pay for it either.

Why Plan G Is the Most Popular Medigap Plan

Plan G has become the most widely purchased Medicare Supplement plan in the country — and the reasons are straightforward.

Predictable costs

With Plan G, you know exactly what you will pay each year: your monthly premium plus the $283 Part B deductible. That is it. No surprise bills, no 20% coinsurance on a $50,000 surgery, no deductible for a hospital stay.

Freedom to see any doctor

Plan G works with any doctor or hospital that accepts Medicare — nationwide. There are no networks, no referrals, no prior authorizations. You choose your own doctors.

Coverage that travels with you

Plan G covers you anywhere in the United States. If you split time between Florida and another state, or travel frequently, your coverage goes with you.

No annual benefit changes

Unlike Medicare Advantage plans, Plan G benefits do not change from year to year. You do not have to re-evaluate your coverage every fall during Annual Enrollment.

Part B excess charge protection

Plan G covers Part B excess charges — the extra amount some doctors can charge above the Medicare-approved rate. This protection is not available on Plan N.

Replaced Plan F as the gold standard

Plan F — the previous gold standard — is no longer available to people who became Medicare-eligible after January 1, 2020. Plan G offers nearly identical coverage and has become the new benchmark.

Ready to See Your Plan G Rates?

Use the quote tool below to compare real Plan G rates from multiple top-rated carriers based on your age and ZIP code. Or call me directly and I will walk you through every option.

Call William: (386) 871-3858 Compare Plan G Rates

How Medicare Plan G Pricing Works

Plan G premiums vary significantly — sometimes by hundreds of dollars per year — for the exact same coverage. Understanding how pricing works helps you find the best value.

Because Plan G benefits are standardized, every carrier offers identical coverage. The only variable is the monthly premium. A 65-year-old woman in Daytona Beach might see Plan G quotes ranging from $110 to $190 per month from different carriers — all for the same benefits. That $80 monthly difference is $960 per year for coverage that is exactly the same.

This is why comparing quotes from multiple carriers is essential. An independent broker who represents multiple carriers can pull all available rates in your zip code and lay them out side by side. A captive agent who represents only one company cannot do this.

The Three Medicare Supplement Pricing Methods

Insurance companies use one of three methods to set and increase Medigap premiums. This is one of the most important — and least understood — factors in choosing a Plan G carrier.

Community-rated (also called no-age-rated)

Everyone in the same geographic area pays the same premium regardless of age. A 65-year-old and an 80-year-old pay the same rate. Premiums can still increase over time due to inflation and claims experience, but your age does not cause increases.

Pro: Premiums do not increase simply because you get older.

Con: Initial premiums are often higher than attained-age plans for younger enrollees.

Issue-age-rated

Premiums are based on your age when you first buy the policy and do not increase as you get older. The younger you are when you enroll, the lower your premium — and it stays at that relative level.

Pro: Locking in at a younger age provides long-term premium stability.

Con: Premiums can still increase due to inflation and claims experience.

Attained-age-rated

Premiums are based on your current age and increase as you get older. These plans often have the lowest initial premiums, but costs rise predictably each year as you age.

Pro: Lowest initial premiums — attractive at age 65.

Con: Premiums increase every year as you age, in addition to general rate increases.

Most carriers in Florida use attained-age or issue-age pricing. Understanding which method a carrier uses is critical to evaluating the long-term cost of a Plan G policy — not just the initial premium.

Factors That Affect Your Plan G Premium

Several variables determine your specific Plan G rate. Here is what affects your quote:

Age

Older applicants generally pay higher premiums. The best time to enroll in Plan G is during your Medigap Open Enrollment Period at age 65, when you have guaranteed issue rights and access to the lowest rates.

Gender

In most states, including Florida, women pay lower Plan G premiums than men of the same age. This reflects actuarial differences in healthcare utilization.

ZIP code

Premiums vary by location — sometimes significantly. A Plan G policy in Jacksonville may be priced differently than the same carrier's policy in Palm Coast or Daytona Beach, even within the same county.

Tobacco use

Smokers typically pay 10–20% more for Plan G coverage. Most carriers apply a tobacco surcharge.

Carrier

Because benefits are standardized, the carrier you choose is the primary driver of premium differences. Rate histories, financial strength, and pricing methodology vary significantly between companies.

Pricing method (attained-age vs. issue-age vs. community-rated)

The pricing method determines how your premium changes over time. A lower initial premium from an attained-age carrier may cost more over 10–15 years than a slightly higher issue-age premium.

Household discount

Many carriers offer a 5–12% household discount when two people in the same household both have policies with the same company. This can represent significant savings.

Rate history

A carrier's history of rate increases is one of the most important factors to evaluate. A low initial premium from a carrier with aggressive annual increases may cost more over time than a slightly higher premium from a carrier with stable rates.

Why Plan G Rates Vary by ZIP Code in Florida

Florida is a large and diverse state, and Plan G premiums reflect that diversity. Carriers set rates based on the claims experience in each geographic area. Areas with higher healthcare costs — more specialist visits, higher hospital rates, more complex procedures — tend to have higher Plan G premiums.

Within Northeast Florida, for example, rates in Duval County (Jacksonville) may differ from rates in Flagler County (Palm Coast) or Volusia County (Daytona Beach). Even within the same county, different ZIP codes can produce different quotes from the same carrier.

This is why it is important to get a quote based on your specific ZIP code — not a regional average or a statewide estimate. The quote tool on this page pulls rates based on your exact location.

Medicare Plan G in Florida: What You Need to Know

Florida has one of the largest Medicare populations in the country, with over 4.7 million Medicare beneficiaries. That large population means strong carrier competition — which is generally good news for Florida residents shopping for Plan G.

Major carriers offering Plan G in Florida include Mutual of Omaha, Aetna, Cigna, Humana, UnitedHealthcare (AARP), Aflac, Transamerica, and Allstate Health Solutions. Each carrier sets its own premiums, uses its own pricing methodology, and has its own rate history.

Florida does not have a state-mandated birthday rule that allows guaranteed switching between Medigap plans. Once you are past your Medigap Open Enrollment Period, switching carriers typically requires medical underwriting — meaning you may be declined or charged higher rates based on your health history.

This makes the initial carrier selection especially important for Florida residents. Choosing a carrier with stable rates and a strong financial rating at age 65 can save thousands of dollars over the life of the policy.

I represent all major Plan G carriers in Florida and can compare current rates from every company in your ZIP code. Call 386-871-3858 or use the quote tool below.

Plan G Underwriting: When You Can Enroll Without Medical Questions

Guaranteed Issue Rights

Guaranteed issue means an insurance company must sell you a Medigap policy at standard rates without asking about your health history. You cannot be denied coverage or charged more because of a pre-existing condition.

You have guaranteed issue rights in specific situations, including:

Your Medigap Open Enrollment Period (the 6 months starting when you are 65 and enrolled in Medicare Part B)
You lose other health coverage through no fault of your own (such as losing employer coverage)
Your Medicare Advantage plan is leaving your area or you are moving out of its service area
Your current Medigap insurer goes bankrupt or loses its license
You enrolled in Medicare Advantage when you first became eligible and want to switch to Medigap within 12 months

Medigap Open Enrollment Period

Your Medigap Open Enrollment Period is the most important window for enrolling in Plan G. It begins the first month you are both 65 or older AND enrolled in Medicare Part B. It lasts exactly 6 months.

During this window, you have guaranteed issue rights for any Medigap plan sold in Florida. No carrier can deny you coverage, charge you more, or impose a waiting period based on your health history. This is the best time to enroll in Plan G.

After this window closes, you generally must go through medical underwriting to get a Medigap policy. Carriers can decline your application or charge higher rates based on pre-existing conditions.

Switching Plan G Carriers

If you already have Plan G and want to switch to a carrier with lower premiums, you can apply to switch at any time — but you will typically need to pass medical underwriting. Florida does not have a birthday rule that guarantees switching rights.

The underwriting process involves answering health questions. Common conditions that can result in a decline or higher rates include heart disease, cancer, COPD, diabetes with complications, kidney disease, and others.

If you are in good health and your current carrier has been raising rates aggressively, switching may save you significant money. An independent broker can help you evaluate whether switching makes sense for your situation.

Plan G vs Plan N: Which Is Right for You?

Plan G and Plan N are the two most popular Medigap plans for new Medicare enrollees. Here is how they compare:

Feature	Plan G	Plan N
Part B deductible ($283/year)	Not covered — you pay this	Not covered — you pay this
Part B coinsurance (20%)	Covered in full	Covered, except up to $20 copay per office visit and up to $50 for ER visits
Part B excess charges	Covered in full	NOT covered
Part A deductible	Covered in full	Covered in full
Skilled nursing facility coinsurance	Covered in full	Covered in full
Foreign travel emergency	80% after $250 deductible	80% after $250 deductible
Monthly premium	Higher	Lower (typically $15–$40/month less)

Plan N makes sense if you rarely visit the doctor, your doctors all accept Medicare assignment (no excess charges), and you want a lower monthly premium. Plan G makes sense if you see specialists frequently, want the simplest possible coverage with no copays, or want protection against excess charges. For most people turning 65 in Florida, Plan G is the better long-term choice.

Not sure which plan is right for you? Call 386-871-3858 and I will walk you through the comparison based on your specific health situation and budget.

Plan G vs High-Deductible Plan G

High-Deductible Plan G (HDG) offers the same benefits as standard Plan G — but you pay all costs out of pocket until you reach the annual deductible ($2,950 in 2026). After that, HDG covers everything Plan G covers.

HDG premiums are significantly lower than standard Plan G — often $40–$70 per month less. The trade-off is that you absorb more risk in years when you have significant healthcare needs.

HDG works well for people who are in excellent health, have savings to cover the deductible if needed, and want the lowest possible monthly premium while still having catastrophic protection.

Standard Plan G works better for people who want predictable, low out-of-pocket costs regardless of how much healthcare they use in a given year.

I can compare standard Plan G and High-Deductible Plan G rates side by side so you can see the premium difference and evaluate which makes more sense for your situation. Learn more about High-Deductible Plan G →

How to Compare Plan G Quotes

Comparing Plan G quotes is straightforward when you know what to look for. Here is the process I use with every client:

Get quotes from multiple carriers
Never accept a quote from just one company. Plan G benefits are identical across all carriers — the only variable is the premium. You need to see multiple quotes to know whether you are getting a competitive rate.
Compare pricing methods
Ask each carrier whether their Plan G uses attained-age, issue-age, or community-rated pricing. This affects how your premium will change over time — not just what you pay today.
Research rate history
Ask how much the carrier has raised rates over the past 3–5 years. A carrier with a history of 8–10% annual increases may cost more over 10 years than a carrier with a slightly higher initial premium but more stable rates.
Check financial strength ratings
Look for carriers with an A.M. Best rating of A or better. This indicates financial stability and the ability to pay claims.
Ask about household discounts
If your spouse or partner is also enrolling in Medicare, ask about household discounts. Many carriers offer 5–12% discounts when two people in the same household both have policies.
Work with an independent broker
An independent broker represents multiple carriers and can pull all available rates in your ZIP code simultaneously. A captive agent represents only one company and cannot show you competitive alternatives.

Why Work With an Independent Medicare Broker for Your Plan G Quote?

There are two ways to get a Plan G policy: go directly to an insurance company, or work with an independent broker. The difference matters more than most people realize.

A captive agent represents one company. Their job is to sell you that company's product. They cannot tell you whether a competitor offers the same Plan G coverage for $50 less per month — because they are not licensed to sell it.

An independent broker holds contracts with multiple carriers. When you ask for a Plan G quote, an independent broker pulls rates from every carrier they represent, lays them out side by side, and helps you evaluate not just the price but the carrier's rate history, financial strength, and pricing methodology.

Here is what surprises most people: working with an independent broker costs you nothing. Brokers are compensated by the insurance carrier through a commission that is already built into the premium. You pay the same monthly rate whether you buy through a broker or go directly to the carrier. There is no markup, no fee, and no obligation.

I have been an independent Medicare broker and licensed insurance agent since 1998. I represent every major Plan G carrier in Florida and have helped thousands of Northeast Florida seniors find the right plan at the right price. When you call or submit a quote request, you speak directly with me — not a call center, not a sales team.

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Frequently Asked Questions About Medicare Plan G

These are the questions I hear most often from people comparing Plan G options in Florida. If you do not see your question here, call me directly at (386) 871-3858.

Get Your Free Plan G Quote Today

I have been helping Florida seniors navigate Medicare for nearly 30 years. I represent every major Plan G carrier in Florida and will compare every available rate in your ZIP code — at no cost to you, with no obligation to enroll.