Medicare Supplement (Medigap) Plans in Florida
Medigap plans work alongside Original Medicare to cover the gaps — deductibles, copays, and coinsurance. In Florida, you can enroll year-round, use any doctor who accepts Medicare, and never need a referral.
- ✅ Year-round enrollment in Florida
- ✅ Any doctor who accepts Medicare — no networks
- ✅ Renewable for life — can't be cancelled for health reasons
- ✅ Plan G covers nearly everything after Part B deductible
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Most Popular Florida Medigap Plans
| Plan | Part A Coinsurance | Part B Coinsurance | Part B Deductible | Foreign Travel | Est. Monthly Premium |
|---|---|---|---|---|---|
| Plan G ⭐ Most Popular | 100% | 100% | Not covered | 80% | $100–$180 |
| Plan N | 100% | 100%* | Not covered | 80% | $70–$130 |
| Plan G High Deductible | 100% | 100% | Not covered | 80% | $30–$60 |
| Plan F (pre-2020 only) | 100% | 100% | 100% | 80% | $150–$250 |
*Plan N has copays up to $20 for office visits and $50 for ER visits. Premiums are estimates for a 65-year-old non-smoker in Florida.
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