How Much Does Medicare Supplement Plan G Cost in Florida?
Median Plan G premiums in our sample run from about $233 to $396/month depending on county — but the number that actually matters is how much premiums vary within your own county, not just between counties.
| County | Sample ZIP | Lowest | Median | Highest |
|---|
| Alachua | 32601 | $201 | $240 | $329 |
| Baker | 32063 | $201 | $233 | $286 |
| Bay | 32401 | $201 | $240 | $329 |
| Bradford | 32091 | $201 | $240 | $329 |
| Brevard | 32901 | $225 | $262 | $378 |
| Broward | 33301 | $358 | $396 | $522 |
| Calhoun | 32424 | $201 | $240 | $329 |
| Charlotte | 33950 | $201 | $240 | $329 |
| Citrus | 34450 | $225 | $264 | $326 |
| Clay | 32043 | $225 | $264 | $326 |
| Collier | 34102 | $225 | $262 | $326 |
| Columbia | 32024 | $225 | $262 | $326 |
| DeSoto | 34266 | $358 | $396 | $522 |
| Dixie | 32628 | $225 | $262 | $378 |
| Duval | 32202 | $248 | $281 | $338 |
| Escambia | 32501 | $225 | $261 | $326 |
| Flagler | 32110 | $225 | $262 | $329 |
| Franklin | 32329 | $225 | $262 | $378 |
| Gadsden | 32351 | $225 | $262 | $378 |
| Gilchrist | 32693 | $225 | $262 | $378 |
| Glades | 33471 | $258 | $324 | $505 |
| Gulf | 32456 | $258 | $324 | $505 |
| Hamilton | 32052 | $225 | $262 | $329 |
| Hardee | 33873 | $225 | $262 | $329 |
| Hendry | 33935 | $225 | $262 | $329 |
| Hernando | 34601 | $225 | $261 | $329 |
| Highlands | 33870 | $225 | $265 | $378 |
| Hillsborough | 33602 | $244 | $276 | $338 |
| Holmes | 32425 | $225 | $265 | $378 |
| Indian River | 32960 | $225 | $270 | $329 |
| Jackson | 32446 | $225 | $262 | $378 |
| Jefferson | 32344 | $225 | $262 | $378 |
| Lafayette | 32066 | $225 | $262 | $329 |
| Lake | 32778 | $225 | $262 | $329 |
| Lee | 33901 | $225 | $265 | $378 |
| Leon | 32301 | $225 | $262 | $378 |
| Levy | 32621 | $225 | $262 | $378 |
| Liberty | 32321 | $225 | $262 | $378 |
| Madison | 32340 | $225 | $262 | $378 |
| Manatee | 34205 | $225 | $262 | $326 |
| Marion | 34471 | $225 | $262 | $326 |
| Martin | 34994 | $225 | $262 | $378 |
| Miami-Dade | 33128 | $358 | $396 | $522 |
| Monroe | 33040 | $258 | $385 | $522 |
| Nassau | 32034 | $258 | $385 | $522 |
| Okaloosa | 32536 | $258 | $385 | $522 |
| Okeechobee | 34972 | $258 | $385 | $522 |
| Orange | 32801 | $231 | $270 | $329 |
| Osceola | 34741 | $225 | $262 | $329 |
| Palm Beach | 33401 | $279 | $359 | $505 |
| Pasco | 34654 | $244 | $276 | $338 |
| Pinellas | 33701 | $231 | $276 | $338 |
| Polk | 33830 | $225 | $265 | $378 |
| Putnam | 32177 | $225 | $262 | $329 |
| Santa Rosa | 32570 | $225 | $262 | $329 |
| Sarasota | 34236 | $225 | $262 | $326 |
| Seminole | 32771 | $225 | $262 | $329 |
| St. Johns | 32084 | $225 | $261 | $329 |
| St. Lucie | 34950 | $248 | $281 | $338 |
| Sumter | 33513 | $231 | $272 | $338 |
| Suwannee | 32064 | $225 | $262 | $329 |
| Taylor | 32347 | $225 | $261 | $329 |
| Union | 32054 | $225 | $261 | $329 |
| Volusia | 32720 | $248 | $281 | $338 |
| Wakulla | 32327 | $225 | $262 | $378 |
| Walton | 32433 | $225 | $262 | $378 |
| Washington | 32428 | $225 | $262 | $378 |
No match found. Try a county name or one of the sampled ZIP codes.
How We Collected These Rates (Methodology)
- Quote date: August 3, 2026
- Applicant profile: 65-year-old female, non-tobacco
- Discounts: No household or multi-policy discounts were applied to these rates
- Source of rates: Medicare.gov
- Female applicants were used for consistency across carriers; results for male applicants may differ slightly by carrier
- How the median was calculated: For each county, we sorted the available Plan G premiums in our sample from lowest to highest and calculated the median — the midpoint of the available quotes.
Numbers are sourced from Medicare.gov. Costs are estimates and may change.
Your actual premium depends on your age, gender, tobacco status, county, and the carrier you choose, and rates change over time — get a current quote before making a decision.
What the Florida Plan G Rates Show
Miami-Dade, Broward, and Palm Beach consistently price above the state average in our sample. Approved Plan G rates vary geographically across Florida — the coverage itself is identical to a lower-priced policy elsewhere in the state.
The spread within a single county can matter as much as the difference between counties. In Miami-Dade, the spread between the cheapest and most expensive quote in our sample was over $1,900/year for the same standardized Plan G benefits — worth checking the spread in your own ZIP code rather than assuming it matches a neighboring county's.
What Affects Your Plan G Premium?
Plan G's benefits are standardized, but the premium you're quoted depends on several factors that have nothing to do with what the policy covers.
- ZIP code and county — insurers file different rates by geographic area, which is why the county table above shows real variation
- Age — and, depending on the carrier's pricing method, whether the policy is issue-age, attained-age, or community-rated, which changes how (and whether) your premium rises as you get older
- Sex — many carriers price male and female applicants differently
- Tobacco use — non-tobacco rates are typically lower
- Carrier — a major source of premium variation even for identical Plan G benefits
- Household and multi-policy discounts — these vary by carrier and aren't always advertised upfront
One of the more common costly mistakes we see is choosing a carrier based only on its first-year premium. Medigap premiums generally rise over time, and a policy priced below the field in year one can become less competitive over time if that carrier has a pattern of steep rate increases in Florida.
Past rate increases can provide useful context, but they don't guarantee how a carrier's premiums will change in the future.
Plan G's benefits are standardized, but premiums, discounts, rate history, and customer experience can vary by insurer. See our Best Medicare Supplement Plan G Companies in Florida guide for our full carrier analysis.
How Does Medicare Supplement Plan G Work?
Plan G pays most of what Original Medicare doesn't.
After you meet the annual Part B deductible, it covers the remaining Medicare-approved deductibles, copayments, and coinsurance, with no separate provider network.
Original Medicare pays its share of a covered service first, Plan G picks up most of what's left, and you're responsible for the Part B deductible along the way.
You'll still pay your Part B premium on top of your Plan G premium, and because Plan G doesn't include drug coverage, most Florida beneficiaries pair it with a standalone Part D plan.
From the Field
We frequently work with Florida snowbirds who split the year between Florida and another state.
Since Plan G has no provider network, it travels with you either way — one of the more practical reasons we see Florida clients choose it over a network-based plan.
What Plan G Covers
Plan G covers nearly all Medicare-approved cost-sharing except the Part B deductible.
Plan G works alongside Medicare Part A and Medicare Part B — it doesn't replace either one, it picks up most of what they leave behind.
| Coverage Area | What Plan G Helps Pay |
|---|
| Part A hospital deductible | Full Part A deductible ($1,736 per benefit period in 2026) |
| Hospital coinsurance | Hospital coinsurance, plus 365 extra lifetime hospital days |
| Skilled nursing facility care | Coinsurance after Medicare's first 20 covered days |
| Hospice coinsurance | Medicare-approved hospice coinsurance or copays |
| Part B coinsurance | The standard 20% coinsurance for Medicare-approved outpatient care |
| Part B excess charges | The extra amount (up to 15%) some providers may charge above Medicare-approved amounts |
| Foreign travel emergency care | 80% of eligible costs after a $250 deductible, first 60 days of a trip, up to a $50,000 lifetime limit |
Medicare rule. Source: Medicare.gov, 2026 Medicare Costs.
What that means in practice: more predictable Medicare-approved medical costs after you meet the Part B deductible, and protection from Part B excess charges. Plan G itself doesn't impose provider-network restrictions or referral requirements.
What Does Medicare Supplement Plan G Not Cover?
The annual Part B deductible ($283 in 2026) is the one Medicare-approved cost Plan G doesn't cover.
Beyond that, Plan G doesn't touch prescription drugs (which need a separate Part D plan), or routine dental, vision, hearing, and long-term custodial care.
Common Mistake
Clients sometimes assume Plan G will cover a dental procedure because "it's such a comprehensive plan."
Medigap plans are built entirely around Original Medicare's cost-sharing structure — if Medicare doesn't cover a service at all, no Medigap plan fills that gap.
Is Medicare Supplement Plan G Right for You?
Plan G tends to fit people who value predictable medical bills over the lowest possible premium.
Plan G tends to fit you if you: prefer predictable medical bills over the lowest premium, want coverage for Part B excess charges, or travel or live in more than one state.
The higher premium may not be worth it if you're comfortable trading some additional out-of-pocket exposure for a lower monthly premium — Plan N or High Deductible Plan G are worth comparing first. See our full Plan G vs. Plan N comparison for a side-by-side breakdown.
| | Plan G | Plan N | High Deductible Plan G |
|---|
| Premium | Highest | Lower | Lowest |
| Office/ER copays | None | Up to $20 per office visit; up to $50 per ER visit (waived if admitted) | None (after deductible) |
| Part B excess charges | Covered | Not covered | Covered (after deductible) |
| Additional Medigap plan deductible | None | None | $2,950 (2026) |
All three plans still leave you responsible for the annual Part B deductible ($283 in 2026) — the row above refers only to each plan's own additional deductible on top of that. Source: Medicare.gov, 2026 Medicare Costs.
Medicare Advantage is a separate way of receiving Medicare benefits entirely, not a lower-premium version of Medigap — see our Medigap vs. Medicare Advantage comparison if you're weighing that option instead.
How to Enroll in Medicare Supplement Plan G in Florida
Your six-month Medigap Open Enrollment Period is generally the best time to buy Plan G — it's the window where an insurer can't deny you or charge more due to your health history.
- Be enrolled in Original Medicare Parts A and B. Generally, you need both before purchasing a Medigap policy.
- Compare Plan G companies and rates. Coverage is standardized across carriers — premium, rate history, and financial strength are what actually differ.
- Apply during your Medigap enrollment window. This is when you have the strongest protections against denial or higher pricing based on health.
Applying outside your protected enrollment period may require medical underwriting unless you have a guaranteed-issue right. If you're switching from an existing Medigap plan — including Plan F — ask specifically whether you qualify for guaranteed issue before assuming you'll need underwriting; it varies by situation.
Bottom Line
Plan G is worth considering if you want predictable medical bills and can afford the higher premium — the coverage is the most comprehensive standardized Medigap plan available, and it's identical no matter which Florida carrier sells it to you.
County median Plan G premiums in our 2026 sample ranged from about $233 to $396 per month, although individual carrier quotes within those counties were both lower and higher. Before enrolling, compare a few carriers' rate history and financial strength rather than taking the first quote, and confirm whether Plan N or High Deductible Plan G might get you similar peace of mind for less.
