Medicare Supplement Plan G has become the most popular Medigap plan in the United States, and for good reason. It offers near-complete coverage of Medicare's cost-sharing gaps at a predictable monthly premium. Here is everything Florida seniors need to know about Plan G in 2026.
What Plan G Covers
Plan G covers the following Medicare cost-sharing gaps: Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted; Medicare Part B coinsurance (the 20% you would otherwise owe); Part A hospice care coinsurance; skilled nursing facility coinsurance; the Medicare Part A deductible ($1,676 in 2026); and foreign travel emergency care (80% up to plan limits).
The only gap Plan G does not cover is the Medicare Part B deductible, which is $257 in 2026. You pay that once per year, and Plan G covers everything else.
What Plan G Does Not Cover
Plan G does not cover: the Part B deductible ($257/year), dental care, vision care, hearing aids, long-term custodial care, or prescription drugs. For prescriptions, you need a separate Part D plan.
Plan G Pricing in Florida 2026
Plan G premiums in Florida vary by age, insurer, and zip code. At age 65, Plan G premiums typically range from $120–$180 per month. At age 70, expect $145–$220 per month. At age 75, $175–$260 per month. Florida's issue-age pricing means your starting premium is locked at enrollment — it does not automatically increase each year based on age.
Plan G vs Plan F
Plan F — which covered the Part B deductible — was discontinued for new enrollees in 2020. If you enrolled in Medicare before January 1, 2020, you may still be able to purchase Plan F. For everyone else, Plan G is the most comprehensive option available. The difference in annual cost between Plan G and Plan F is typically less than the Part B deductible itself, making Plan G the better value for most enrollees.
High-Deductible Plan G
Florida also offers a High-Deductible Plan G (HDG) with a $2,870 deductible in 2026. After meeting the deductible, HDG covers the same benefits as standard Plan G. Premiums are significantly lower — often $40–$70/month — making HDG attractive for healthy seniors who want catastrophic protection at minimal monthly cost.
Who Plan G Is Best For
Plan G is the right choice for seniors with chronic conditions or frequent medical needs, those who want completely predictable healthcare costs, those who travel extensively or split time between states, and those who want the freedom to see any Medicare-accepting provider without network restrictions.
Call (435) 612-1009 for a free Plan G quote comparison across Florida's top Medigap carriers.