Florida Medicare Supplement Plans: Your Complete Medigap Guide (2026)

If you're a Medicare beneficiary in Florida, you already know that Original Medicare doesn't cover everything. Deductibles, copayments, and coinsurance can add up fast. That's where Medicare Supplement plans — commonly called Medigap — come in. Florida has some of the most consumer-friendly Medigap rules in the country, including the powerful birthday rule that lets you switch plans without medical underwriting. This guide covers everything Florida residents need to know about choosing and enrolling in a Medicare Supplement plan.

Table of Contents

• What Is a Medicare Supplement (Medigap) Plan?
• How Medigap Works With Original Medicare
• Medicare Supplement Plan Types: A Through N
• Florida's Birthday Rule for Medigap
• Medigap Enrollment Periods in Florida
• Guaranteed Issue Rights in Florida
• How Much Do Medigap Plans Cost in Florida?
• Top Medicare Supplement Carriers in Florida
• How to Choose the Right Medigap Plan
• Medigap vs. Medicare Advantage in Florida
• Frequently Asked Questions

What Is a Medicare Supplement (Medigap) Plan?

A Medicare Supplement plan is a private insurance policy designed to fill the "gaps" in Original Medicare (Parts A and B). These gaps include:

• Part A deductible — $1,632 per benefit period in 2026
• Part B deductible — $257 per year in 2026
• Part B coinsurance — typically 20% of approved charges
• Part A coinsurance — hospital stays beyond 60 days
• Skilled nursing facility coinsurance — days 21–100
• Foreign travel emergency care — not covered by Original Medicare

Medigap plans are standardized by the federal government, meaning Plan G from one company covers exactly the same benefits as Plan G from another company. The only differences between companies are price, customer service, and financial stability.

You must have Original Medicare (Parts A and B) to purchase a Medigap plan. You cannot use a Medigap plan with Medicare Advantage.

How Medigap Works With Original Medicare

The payment flow is straightforward:

1. You visit a doctor or hospital
2. Original Medicare pays its share
3. Your Medigap plan pays some or all of the remaining costs (depending on your plan type)
4. You pay any leftover amount (if applicable)

Medigap plans do not cover prescription drugs. You'll need a separate Medicare Part D plan for drug coverage.

[related: medicare-part-d-guide]

Medicare Supplement Plan Types: A Through N

There are 10 standardized Medigap plans available in most states, identified by letters. Here's what each covers in Florida:

Plan A — Basic Benefits Only

Covers Part A coinsurance, Part B coinsurance, blood (first 3 pints), and Part A hospice care coinsurance. This is the minimum Medigap plan and the most affordable, but it leaves you responsible for Part A and B deductibles.

Plan B — Adds Part A Deductible

Everything in Plan A plus the Part A hospital deductible ($1,632 in 2026). A modest step up that protects against hospital admission costs.

Plan C — Comprehensive (Closed to New Enrollees)

Plan C covered nearly everything, including the Part B deductible. However, Plan C is no longer available to people who became newly eligible for Medicare on or after January 1, 2020 due to the MACRA legislation. If you enrolled before that date, you can keep your Plan C.

Plan D — Like C Without Part B Deductible Coverage

Covers Part A deductible, skilled nursing coinsurance, Part A and B coinsurance, foreign travel emergency, and blood. Does not cover the Part B deductible or Part B excess charges.

Plan F — The Legacy Gold Standard (Closed to New Enrollees)

Plan F was the most popular Medigap plan for years because it covered everything — zero out-of-pocket costs after your premium. Like Plan C, Plan F is closed to people newly eligible for Medicare on or after January 1, 2020. Existing Plan F holders can keep their plans.

Plan G — The Most Popular Plan Today

Plan G covers everything Plan F covers except the Part B deductible ($257 in 2026). Since Plan F is closed to new enrollees, Plan G has become the go-to choice for comprehensive coverage. You pay the $257 annual deductible, then essentially nothing else out of pocket for Medicare-approved services.

Plan K — 50% Cost-Sharing

Plan K covers 50% of most Medigap benefits and has an annual out-of-pocket limit ($7,060 in 2026). Once you hit the limit, the plan covers 100%. This is a lower-premium option for people willing to share costs.

Plan L — 75% Cost-Sharing

Similar to Plan K but with 75% cost-sharing and a lower out-of-pocket limit ($3,530 in 2026). A middle ground between full coverage and cost-sharing plans.

Plan M — Reduced Part A Deductible Coverage

Covers 50% of the Part A deductible plus most other standard Medigap benefits. Less common but can offer savings over Plan G.

Plan N — Popular Budget Option

Plan N covers most Medigap benefits but requires a $20 copay for office visits and a $50 copay for ER visits (waived if admitted). It does not cover Part B excess charges. Plan N premiums are typically 20–30% lower than Plan G, making it the most popular alternative for cost-conscious beneficiaries.

Quick Comparison: Most Popular Plans

Florida's Birthday Rule for Medigap

Florida's birthday rule is one of the best consumer protections for Medigap policyholders in the country. Here's how it works:

During the 30-day period following your birthday each year, you have the right to switch to any Medigap plan offered in Florida that provides equal or lesser benefits — without medical underwriting. The insurance company cannot deny you, charge you more due to health conditions, or impose a new waiting period for pre-existing conditions.

Key Details of the Birthday Rule

• The 30-day window starts on your birthday and ends 30 days later
• You can switch to the same letter plan with a different company (e.g., Plan G to Plan G)
• You can switch to a plan with equal or lesser benefits (e.g., Plan G to Plan N)
• You cannot upgrade to a higher-level plan (e.g., Plan N to Plan G) under the birthday rule
• The new company must offer you their best available rate for your age, but cannot add health surcharges
• You can use this right every year

Why the Birthday Rule Matters

Medigap premiums increase over time. If your current company raises rates significantly, you can use the birthday rule to shop around and potentially find a lower premium with another carrier — without worrying about health questions. This is especially valuable as you age and develop health conditions that might otherwise make switching impossible.

Pro tip: Mark your calendar 30 days before your birthday each year to start comparing rates. The window is strict.

Medigap Enrollment Periods in Florida

Open Enrollment Period (OEP)

Your Medigap Open Enrollment Period is a one-time, 6-month window that begins the month you turn 65 and are enrolled in Medicare Part B. During this period:

• No insurance company can deny you a Medigap policy
• No medical underwriting is required
• No pre-existing condition exclusions
• You get the best possible rates

This is the most important enrollment window. If you miss it, you may face medical underwriting, higher premiums, or denial when applying later.

Under-65 Enrollment

Florida does require Medigap insurers to offer policies to people under 65 who qualify for Medicare due to disability or End-Stage Renal Disease (ESRD). Not all states have this protection. However, premiums for under-65 enrollees are typically higher.

Guaranteed Issue Situations

Outside of your OEP, you may qualify for guaranteed issue rights in specific situations (covered in the next section).

Guaranteed Issue Rights in Florida

Beyond the initial OEP and the birthday rule, Florida residents have guaranteed issue rights in several situations:

• Your Medicare Advantage plan leaves your area or stops participating in Medicare
• You move out of your Medicare Advantage plan's service area
• Your Medigap insurer goes bankrupt or your coverage is otherwise involuntarily terminated
• You were misled into dropping your Medigap plan (you have a right to reinstatement)
• You enrolled in a Medicare Advantage plan for the first time and want to switch back to Original Medicare + Medigap within 12 months (trial right)
• You lose employer or union group coverage that supplemented Medicare

During guaranteed issue periods, companies must sell you a Medigap policy without health screening and cannot charge you more due to health conditions.

[related: medicare-advantage-vs-medigap]

How Much Do Medigap Plans Cost in Florida?

Medigap premiums in Florida vary based on several factors:

Pricing Methods

Insurance companies use one of three pricing methods:

1. Community-rated (no age rating) — Everyone pays the same premium regardless of age. Rare in Florida.
2. Issue-age-rated — Your premium is based on your age when you buy the policy. It doesn't increase due to aging (though it may increase for inflation or other factors).
3. Attained-age-rated — Your premium increases as you age. Starts lower but becomes more expensive over time. Most common in Florida.

Typical Monthly Premiums in Florida (2026 Estimates)

These are approximate ranges for a 65-year-old, non-smoking female in Florida:

• Plan G: $120–$220 per month
• Plan N: $85–$165 per month
• Plan F (existing enrollees): $150–$280 per month
• Plan A: $75–$130 per month

Premiums vary significantly by:

• Zip code — South Florida (Miami-Dade, Broward) tends to have higher premiums than northern Florida
• Age — Premiums increase as you get older, especially with attained-age pricing
• Gender — Women typically pay slightly less
• Tobacco use — Smokers pay 10–25% more with most carriers
• Household discounts — Many carriers offer discounts if both spouses enroll

How to Find the Best Rate

Since all Plan G policies (for example) cover the same benefits regardless of the company, the cheapest Plan G from a financially strong company is objectively the best deal. Use the birthday rule annually to shop for better rates.

Top Medicare Supplement Carriers in Florida

Florida's Medigap market is highly competitive, with dozens of carriers offering plans. Some of the most prominent include:

AARP/UnitedHealthcare

The largest Medigap insurer in the country. Offers all available plan types in Florida. Known for name recognition and a large provider network, though premiums tend to be above average.

Mutual of Omaha

A strong contender in Florida with competitive rates, especially for Plan G and Plan N. Uses attained-age pricing. Known for financial stability (AM Best: A+).

Cigna

Offers competitive Medigap premiums in many Florida zip codes. Strong customer service ratings and financial strength.

Blue Cross Blue Shield of Florida (Florida Blue)

A well-known brand in Florida with extensive local presence. Premiums are mid-range, but the brand recognition and local support appeal to many beneficiaries.

Aetna

Offers competitive Medigap plans in Florida, particularly Plan G and Plan N. Known for digital tools and a streamlined application process.

American Continental (Aetna subsidiary)

Often has some of the lowest Medigap rates in Florida. Worth comparing, especially in competitive zip codes.

Bankers Fidelity

Popular for under-65 disabled Medicare beneficiaries in Florida. Offers guaranteed issue for under-65 enrollees.

Important: The cheapest carrier today may not be the cheapest next year. Use the birthday rule to reassess annually.

How to Choose the Right Medigap Plan

Step 1: Decide Between Plan G and Plan N

For most Florida residents, the choice comes down to Plan G or Plan N:

• Choose Plan G if you want maximum predictability, visit specialists frequently, or see doctors who may charge Part B excess charges.
• Choose Plan N if you're comfortable with small copays ($20 office / $50 ER), don't see many specialists, and want lower premiums.

Calculate the premium difference between Plan G and Plan N in your area. If Plan N saves you $40/month ($480/year), but you'd pay $20 copays for 10 office visits ($200), Plan N still saves you $280 annually.

Step 2: Compare Companies on Price

Once you've chosen your plan letter, compare premiums from at least 5–7 carriers in your zip code. Since benefits are identical, the lowest price from a financially strong company wins.

Step 3: Check Financial Strength

Verify each company's AM Best rating. Stick with companies rated A- or higher.

Step 4: Ask About Discounts

Many carriers offer discounts for:

• Household/spouse enrollment (5–10%)
• Annual payment vs. monthly (2–5%)
• Electronic funds transfer (EFT) payment (1–2%)

Step 5: Enroll During Your Best Window

Your OEP offers the best rates and guaranteed acceptance. The birthday rule is your annual opportunity to shop. Don't wait until you're sick to switch — act during your enrollment windows while you can.

[related: how-to-enroll-in-medicare]

Medigap vs. Medicare Advantage in Florida

Florida is one of the largest markets for both Medigap and Medicare Advantage. Here's a quick comparison:

Choose Medigap if you:

• Want to see any doctor who accepts Medicare nationwide
• Travel frequently (snowbirds, this is huge)
• Prefer predictable out-of-pocket costs
• Don't mind paying a separate Part D premium
• Value the freedom to switch plans using the birthday rule

Choose Medicare Advantage if you:

• Want lower monthly premiums (many plans are $0)
• Are comfortable with a provider network
• Want dental, vision, and hearing included
• Stay in one geographic area
• Prefer an all-in-one plan

Florida snowbird alert: If you spend part of the year in another state, Medigap is usually the better choice. Medicare Advantage HMO plans typically only cover care within a limited service area, which can be a major problem when you're in your "other" home state.

[related: medicare-advantage-florida]

Frequently Asked Questions

What is the most popular Medicare Supplement plan in Florida?

Plan G is currently the most popular Medigap plan in Florida and nationwide. Since Plan F is no longer available to new enrollees (those eligible for Medicare after January 1, 2020), Plan G offers the most comprehensive coverage available. Plan N is the second most popular choice for those looking for lower premiums.

How does Florida's Medigap birthday rule work?

Each year, during the 30 days following your birthday, you can switch your Medigap plan to one with equal or lesser benefits from any carrier in Florida — without medical underwriting. The insurer cannot deny you or charge you more due to health conditions. This is unique to Florida and a few other states.

Can I get a Medicare Supplement plan if I'm under 65 in Florida?

Yes. Florida requires Medigap insurers to sell plans to Medicare beneficiaries under 65 who qualify due to disability or ESRD. Premiums will be higher than for those 65 and older, but you cannot be denied coverage during your OEP.

When is the best time to buy a Medigap plan in Florida?

The best time is during your Medigap Open Enrollment Period — the 6-month window starting the month you turn 65 and have Part B. You'll get guaranteed acceptance and the best rates. After this window, you may face medical underwriting unless you qualify for guaranteed issue rights or use the birthday rule.

Does Medigap cover prescription drugs in Florida?

No. Medigap plans do not cover prescription drugs. You need a separate Medicare Part D prescription drug plan. Some Medicare Advantage plans bundle drug coverage, but standalone Medigap plans never include it.

How much can I save by switching Medigap plans using the birthday rule?

Savings vary widely by zip code and carrier, but it's common to save $30–$80 per month by switching to a lower-cost carrier offering the same plan. Over a year, that's $360–$960 in savings for identical coverage. Always compare during your birthday window.

Can I have both a Medigap plan and a Medicare Advantage plan?

No. It's illegal for a company to sell you a Medigap plan if you have Medicare Advantage, and vice versa. You must choose one or the other. If you want to switch from Medicare Advantage to Medigap, you may need to go through medical underwriting unless you qualify for a guaranteed issue right or are within your trial period.

*This guide is for informational purposes only and does not constitute insurance or Medicare advice. Contact a licensed Florida insurance agent or call 1-800-MEDICARE for personalized guidance.*