Medicare Supplement Plan G in Florida: Cost and Coverage

Quick answer: Plan G is Florida's most comprehensive Medigap plan for people who want predictable bills and are willing to pay a higher premium to avoid nearly all Medicare-approved cost-sharing. If you're trying to decide whether it's worth that premium - or whether Plan N or High Deductible Plan G would serve you better - this guide is built to help you decide, not just to explain the rules.

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How Does Medigap Plan G Work in Florida?

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.

When you receive a Medicare-approved service, Original Medicare pays its share first. Plan G then picks up most of what's left. 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. Florida's Medigap market also includes a large share of "snowbirds" who split the year between Florida and another state - since Plan G has no provider network, it travels with you either way.

What Does Plan G Cover - and What Doesn't It Cover?

Plan G covers nearly all Medicare-approved cost-sharing except the Part B deductible - but it doesn't touch prescription drugs, routine dental/vision/hearing, or long-term custodial care.

What Medicare Supplement Plan G Helps Cover

Source: ¹CMS.gov, 2026 Medicare Costs

What Does Plan G Cost in Florida?

Plan G premiums in our 20-county sample average $268–$409/month - but the real number that matters is how much premiums vary within your own county, not just between counties.

Miami-Dade, Broward, and Palm Beach consistently price above the state average in this sample - regional pricing differences like this are common in insurance markets and generally reflect how insurers model risk by geographic area. The coverage itself is identical to a lower-priced policy elsewhere in the state.

Avoiding the Biggest Pricing Mistake Florida Buyers Make

Choosing the cheapest first-year premium instead of the most stable long-term one is the single costliest mistake we see repeatedly.

Take Miami-Dade: the average premium was $409/month, but quotes ranged from $358 to $522. Someone who takes the first quote they're given, rather than comparing a few, could be paying $113/month - or $1,356/year - more than a neighbor with the exact same Plan G policy. On top of that, a policy priced below the field in year one can easily out-cost a "more expensive" competitor by year five if that carrier has a pattern of steep annual increases. Medigap premiums almost always rise with age and medical inflation, so the real question isn't what you'll pay this year - it's what a company has historically done to its Florida policyholders' rates over time.

How We Evaluate Plan G Companies in Florida

We look past the premium to rate-increase history, financial strength, and service record before recommending any Florida Medigap carrier.

What We Look for Before Recommending a Carrier

• Rate-increase history - how much has this carrier raised Florida premiums over the past 5–10 years, not just this year?
• Financial strength ratings - independent ratings (such as A.M. Best) that reflect the company's ability to pay claims long-term.
• Complaint patterns - how the carrier compares to peers on complaint ratios filed with Florida's Office of Insurance Regulation.
• Household and multi-policy discounts - these vary by carrier and aren't always advertised upfront, so it's worth asking about directly.
• Customer service responsiveness - how claims and billing questions actually get handled once you're a policyholder, not just at the sales stage.

Who Is Plan G Best For?

Plan G tends to fit people who value predictability over the lowest possible premium. Tap an option below to see which plan that points toward.

Plan G vs. Plan N vs. High Deductible Plan G

Medicare Advantage is a separate way of receiving Medicare benefits entirely, not a lower-premium version of Medigap - worth evaluating on its own terms if you're weighing it against Plan G. See our Medicare Advantage comparison and full Plan G vs. Plan N vs. HDG breakdown for more detail.

Questions I'd Ask Before Buying Plan G

These are the questions that actually separate a good Plan G purchase from a costly one.

• What has this carrier's Plan G premium done in Florida over the past 5-10 years?
• Am I eligible for a household or autopay discount, and how much does it actually save?
• Do I have a guaranteed issue right now, or will I need medical underwriting to switch or enroll?
• Is this carrier's financial strength rating strong enough that I'm confident it'll still be here in 15 years?
• Have I compared this against Medicare Advantage to make sure Medigap is the right overall approach for me?

How to Enroll in Medicare Supplement Plan G

Enroll during your six-month Medigap Open Enrollment Period if at all possible - it's the only time an insurer can't deny you or charge more due to your health history.

Florida also offers an enrollment opportunity for qualifying beneficiaries under 65, though premiums are higher for that group. If you're switching from an existing Medigap plan - including Plan F - rather than enrolling for the first time, ask specifically whether you qualify for guaranteed issue before assuming you'll need underwriting; it varies by situation.

How Popular Is Medigap Plan G in Florida?

Plan G covers roughly 29% of Florida's 937,000+ Medigap policyholders, and it's growing faster than almost any other plan as Plan F closes to new enrollees.

Plan F still holds the largest overall share of Florida Medigap enrollment, but it's closed to anyone newly eligible for Medicare on or after January 1, 2020 - which is why Plan G and Plan N are absorbing most of the new enrollment growth.

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