C
Original Medicare leaves significant gaps. Medigap fills them — predictable costs, freedom to see any Medicare doctor nationwide, no networks.
Original Medicare (Parts A & B) pays for most covered services, but it doesn't cover everything. You're responsible for deductibles, copays, and coinsurance — which can add up fast, especially with a hospital stay.
Medicare Supplement — called Medigap — is a secondary policy you buy from a private insurer. When Medicare pays its share of a covered service, your Medigap plan pays some or all of the remaining costs.
Unlike Medicare Advantage, Medigap doesn't replace Original Medicare. You keep Original Medicare and add Medigap on top. This means you can see any doctor or hospital that accepts Medicare — nationwide, no networks, no referrals needed.
All plans are federally standardized — the letters mean the same benefits from any carrier.
Most popular for new enrollees — covers nearly everything except Part B deductible (~$257/yr)
Lower premiums than G with small copays ($20 office visits, $50 ER). No Part B excess charges covered.
Most comprehensive coverage but only available to those eligible for Medicare before Jan 1, 2020.
Covers 50% of many costs. Lowest premiums. Has an out-of-pocket limit ($7,060 in 2025).
Covers 75% of most costs. Lower premiums than G/N with an annual out-of-pocket limit.
Plan benefits are standardized by law — but premiums vary significantly by carrier. We compare all carriers for you.
Your Medigap Open Enrollment Period begins the month you turn 65 AND are enrolled in Medicare Part B. It lasts exactly 6 months. During this window, any insurer must sell you any Medigap plan at standard rates — regardless of your health history.
After this window closes, insurers can use medical underwriting. They can charge you higher premiums or deny coverage entirely based on health conditions. This is the most important enrollment window in Medicare — don't miss it.
Same coverage, different prices. We shop all carriers to find the lowest rate for your specific plan, age, and zip code.
Medicare Supplement insurance — also called Medigap — is private coverage that pays some of the out-of-pocket costs that Original Medicare (Parts A & B) doesn't cover, like deductibles, copays, and coinsurance. In Florida, Medigap plans are sold by private insurers but are standardized by the federal government — Plan G from any carrier covers the same benefits.
Medicare Advantage replaces Original Medicare with a private plan (often HMO or PPO). Medicare Supplement works alongside Original Medicare to fill cost gaps. Advantage plans often have $0 premiums with network restrictions. Supplement plans have monthly premiums but typically allow you to see any Medicare-accepting doctor nationwide with very predictable costs.
In Florida, Plan G premiums typically range from $120–$220/month for a 65-year-old, depending on the carrier and county. Plan N is usually $80–$150/month. Prices increase with age. The best time to buy is during your Medigap Open Enrollment Period (first 6 months after enrolling in Part B at 65) when carriers cannot deny you or charge more for pre-existing conditions.
Plan G is the most popular choice for new Medicare enrollees in Florida. It covers nearly all out-of-pocket costs except the Part B deductible ($257 in 2025). Plan N offers lower premiums with small copays and is ideal for people who don't see doctors frequently. The right choice depends on your health, budget, and how often you access care.
Yes, but outside of your initial enrollment window, you must pass medical underwriting (health questions). Carriers can deny coverage or charge higher premiums for pre-existing conditions. The best strategy is to choose the right plan during your guaranteed-issue window at 65, when no medical questions can be asked.