Medicare Supplement Comparison Chart in Florida - Compare Plans

Medicare Supplement insurance, also called Medigap, works alongside Original Medicare to help pay certain deductibles, copayments, and coinsurance left behind by Medicare Parts A and B.

Florida residents can choose from several standardized Medicare Supplement plans. Each plan letter provides a different level of coverage, but the benefits within the same plan letter are standardized. That means Plan G provides the same core medical benefits regardless of which Medigap insurance company sells it.

The comparison charts below show what each Medicare Supplement plan covers, how Florida’s most popular options differ, what premiums may look like, and which features may matter most when choosing a plan.

The goal of this guide is to help you use the chart as a practical decision-making tool - not simply as a page filled with checkmarks, percentages, and plan letters.

Check out the below Medigap comparison chart below for the 2026 Medicare Supplement plans.

How to Use This Chart

Each Medicare Supplement plan covers a different portion of the out-of-pocket costs left by Original Medicare. Some plans provide more comprehensive coverage, while others lower your monthly premium by requiring you to pay more when you receive care.

Use the chart by finding the plan letters across the top and reading down each column to compare benefits.

A checkmark (or 100%) means the benefit is fully covered, a percentage means partial coverage, and an "X" means the plan does not cover that expense.

Focus on the areas that create the biggest financial differences, including deductibles, excess charges, copays, foreign travel emergency coverage, and out-of-pocket limits. Throughout this guide, we'll explain how these differences affect real-world plan choices and help you compare prices from Florida insurance companies once you've selected the coverage level that's right for you.

After helping Medicare beneficiaries for more than 15 years, I've found that this chart often creates confusion. While it's accurate, it doesn't explain which differences matter most or why most people ultimately choose just a few plans.

Pro Tip: Although several standardized Medigap plans are available, most new beneficiaries narrow their decision to Plan G, Plan N, or High Deductible Plan G. Understanding these three options is far more helpful than trying to memorize every plan on the chart.

Understanding Florida’s Standardized Medicare Supplement Plans

Medicare Supplement plans in Florida are standardized by the federal government and identified by letter, from Plan A through Plan N. Each letter represents a specific set of benefits. This means a Plan G sold by one insurance company provides the same core medical benefits as a Plan G sold by another company, even though premiums, discounts, service, and rate history may differ.

The standardized lineup includes Plans A, B, C, D, F, G, K, L, M, and N, along with High Deductible Plan G and, for some older beneficiaries, High Deductible Plan F. Not every insurance company offers every plan, and not every beneficiary is eligible for every option.

Plans C and F are only available to people who became eligible for Medicare before January 1, 2020. Because newer beneficiaries cannot enroll in those plans, Plan G has become the broadest standardized option available to them. Plan N is also widely compared because it has a lower premium in exchange for certain copays and no coverage for Part B excess charges.

High Deductible Plan G has also grown in popularity among people who want a lower monthly premium and are comfortable paying more out of pocket before the plan begins covering costs.

Side-by-Side Comparison of Florida’s Three Most Popular Plans

Although Medicare offers several standardized Medicare Supplement plans, most new beneficiaries eventually narrow their decision to three options: Plan G, Plan N, and High Deductible Plan G.

These plans are among the most commonly compared because they provide the broadest overall combination of benefits for people enrolling in Medicare today. If you look back at the full Medicare Supplement comparison chart, you will notice that all three cover many of the same major gaps left behind by Original Medicare.

The biggest differences come down to four things:

• Monthly premium
• Doctor and emergency room copays
• Part B excess charge coverage
• How much you may need to pay before the plan begins covering costs

Plan G offers the most comprehensive and predictable coverage. Plan N lowers the monthly premium by introducing limited cost-sharing. High Deductible Plan G offers the lowest premium, but requires you to pay more upfront before the plan provides the same broad benefits as standard Plan G.

The chart below focuses only on the differences that are most likely to affect your decision.

What Features Do All Medicare Supplement Plans Share?

Every standardized Medicare Supplement plan works alongside Original Medicare. Medicare pays its portion of an approved service first, and your Medigap policy then helps pay the remaining costs according to the benefits included in your plan.

Regardless of which plan letter you choose, Medicare Supplement coverage gives you:

• No provider networks. You can receive care from any doctor or hospital in the United States that accepts Medicare.
• No referrals to see specialists. You do not need permission from a primary care doctor before making an appointment with a Medicare-participating specialist.
• No insurance-company prior authorization for Medicare-covered care. Your Medigap company does not manage your medical treatment or decide which Medicare-covered providers you may see.
• Freedom to travel throughout the country. Your coverage follows you anywhere in the United States, as long as the provider accepts Medicare.
• Guaranteed renewable coverage. Your insurance company cannot cancel your policy because your health changes, as long as you continue paying your premiums.
• Standardized medical benefits. A Plan G from one insurance company provides the same core medical benefits as a Plan G from another company.

This is important because choosing ANY plan on chart does not usually change your doctor access or your ability to travel. The major difference is how the remaining Medicare deductibles, coinsurance and copayments are divided between you and the plan.

The biggest decision is not how you will access healthcare. It is how much of Medicare’s cost-sharing you want your supplement to absorb - and how much you are comfortable paying yourself in exchange for a lower monthly premium.

What's Not Covered

Medicare Supplement insurance helps pay certain out-of-pocket costs left behind by Original Medicare, but it does not cover every healthcare expense.

Prescription drug coverage is purchased separately through a Medicare Part D plan. Dental, vision, and hearing benefits also require separate coverage.

This is important to understand before choosing a plan. Medicare Supplement insurance is designed to help with Medicare-approved hospital and medical costs, not to provide all-in-one healthcare coverage.

How Much Does Medigap Cost in Florida?

Medicare Supplement premiums in Florida can vary widely, even when the medical benefits are identical.

Your rate may depend on several factors, including:

• Age
• ZIP code
• Gender
• Tobacco use
• Insurance company
• Household discounts
• Automatic payment or electronic payment discounts

The plan you choose also has a major effect on your monthly premium. Plan G generally costs the most because it provides the most predictable coverage.

Plan N typically has a lower premium in exchange for limited cost-sharing, while High Deductible Plan G usually offers the lowest monthly premium because you accept more upfront financial responsibility.

These are sample ranges rather than guaranteed rates. The actual premium available to you will depend on your personal information and the companies offering coverage in your area.

Three Steps to Picking a Medicare Supplement Plan

Choosing a Medicare Supplement plan becomes much easier when you follow the process in the right order. First, decide which plan structure fits your financial preferences. Next, compare that same plan across multiple insurance companies. Finally, submit your application and choose when you want coverage to begin.

Step 1: Choose the Plan That Fits You

Choosing a Medigap plan comes down to how you want to balance monthly premiums with out-of-pocket costs.

Plan G may be the best fit if you want the most predictable coverage with very few medical bills after paying the annual Medicare Part B deductible.

Plan N offers lower monthly premiums in exchange for limited cost-sharing, including certain office and emergency room copays. This makes it a common middle-ground option.

High Deductible Plan G generally provides the lowest monthly premium, but you are responsible for more Medicare-covered costs before the plan begins paying benefits.

The best plan is not simply the one with the most coverage or the lowest premium. It is the one that matches your financial comfort level, coverage preferences, and willingness to accept out-of-pocket costs.

Step 2: Compare Medicare Supplement Prices

Once you have decided which Medigap plan fits your needs, compare that same standardized plan across multiple insurance companies.

For example, compare Plan G quotes only against other Plan G quotes. Because Medigap benefits are standardized by the federal government, a Plan G from one company provides the same core medical benefits as a Plan G from another.

At this stage, you are no longer comparing medical coverage. You are comparing the insurance companies offering that coverage.

When comparing companies, consider:

• Monthly premium
• Household discounts
• Automatic payment discounts
• Financial strength
• Rate increase history
• Customer service

The lowest starting premium is not always the best long-term value. A company with a slightly higher rate may offer better discounts, stronger financial stability, or a more consistent history of moderate premium increases.

Step 3: Enroll in Your Plan

Once you have selected your plan and insurance company, enrollment is usually straightforward:

1. Enroll in Medicare Parts A and B.
2. Choose the Medigap plan that fits your needs.
3. Compare quotes from several companies offering that same plan.
4. Submit your application and select your effective date.

The best time to enroll is generally during your six-month Medigap Open Enrollment Period, which begins when you are age 65 or older and enrolled in Medicare Part B. During this period, you cannot be denied coverage or charged a higher premium because of your health.

Once your application is approved, review your policy to confirm the plan letter, monthly premium, effective date, and payment information.

Bottom Line

The Medicare Supplement comparison chart is not designed to tell you which plan to buy. It shows which Original Medicare costs each standardized plan helps cover.

Once you understand how to read the chart, the decision usually becomes much simpler:

• Plan G offers the most predictable coverage
• Plan N lowers the premium through limited cost-sharing
• High Deductible Plan G provides the lowest monthly premium in exchange for greater upfront responsibility

After choosing the cost structure that makes the most sense for you, compare that same plan across several Florida insurance companies. Review the premiums, available discounts, financial strength, rate history, and customer service before submitting your application.