Medicare Supplement Plans in Cape Coral, Florida — 2026
Cape Coral is one of Florida's fastest-growing cities and has seen explosive growth in its senior population. Lee County's Medicare Advantage market was significantly disrupted in 2026, with multiple carriers reducing or exiting their plan offerings. Many Cape Coral seniors are now evaluating Medicare Supplement as a more stable long-term option.
Medigap Plan Pricing in Cape Coral, Florida
| Plan | Est. Monthly Premium | Part B Deductible | Copays |
|---|---|---|---|
| Plan G ⭐ | $99–$146 | You pay $240/yr | None |
| Plan N | $78–$118 | You pay $240/yr | Up to $20 office / $50 ER |
Estimates for a 65-year-old non-smoker in Cape Coral. Actual rates vary by carrier and health history.
Top Carriers in Cape Coral
Local Note
Cape Coral Hospital (Lee Health) and Gulf Coast Medical Center both accept all Medicare Supplement plans with no prior authorization requirements.
Why Medigap in Florida?
Florida allows year-round Medigap enrollment — unlike most states. You can switch plans any time without waiting for AEP. Plans are guaranteed renewable for life and work with any doctor who accepts Medicare nationwide.
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