What Are the Top 5 Medicare Supplement Plans in Florida?

If you’re approaching Medicare age or helping a loved one navigate their options, chances are you’ve come across Medicare Supplement insurance - also called Medigap.

And if you're in Florida, you’re not alone. Over 920,000 Floridians are currently enrolled in a Medigap plan, making it one of the most popular choices in the country for filling the gaps left by Original Medicare.

Why so popular?

According to the latest CMS and industry satisfaction surveys, over 90% of Medigap policyholders report being satisfied or very satisfied with their coverage. That’s because Medigap offers something many other plans don’t: peace of mind.

No surprise bills. No prior authorizations. No networks to worry about.

Just the freedom to go to almost any doctor or hospital in the country that accepts Medicare - and predictable costs when you get there.

And while there are more than ten standardized Medigap plans available, most people in Florida choose from a short list. In fact, over 80% of new Medigap enrollees in Florida choose either Plan G or Plan N.

These plans offer excellent coverage without overpaying for unnecessary extras. But there are other options worth considering, especially if you’re on a budget or in great health.

So in this guide, we’ll walk you through the five most popular Medicare Supplement plans available in Florida and how to choose the one that fits your needs and budget.

#1. Best for Highest Level of Coverage: Medigap Plan G

If you want the most comprehensive coverage available to new Medicare enrollees, Medigap Plan G is your go-to option.

It’s by far the most popular choice in Florida - and for good reason.

Plan G covers nearly every out-of-pocket cost left by Original Medicare, including coinsurance, hospital costs, skilled nursing, and excess charges. The only thing it doesn’t cover is the small Part B deductible ($257 in 2025).

Once that’s paid, you’re typically done with out-of-pocket costs for the rest of the year.

For people who want simplicity, predictability, and full peace of mind - especially those managing ongoing or chronic health conditions - Plan G delivers.

Why it’s the top pick:

• Covers almost everything Medicare leaves behind
• No surprise bills or cost-sharing after you meet your Part B deductible
• Ideal for frequent doctor visits, specialists, or hospitalizations

Estimated Monthly Premium in Florida: $160–$240 depending on ZIP code, age, and company.

Plan G is often the “set it and forget it” choice for seniors who want to avoid the red tape of Medicare Advantage and don’t want to worry about coinsurance every time they get care.

#2. Best Overall Value: Medigap Plan N

If you’re looking for a great balance between coverage and cost, Medigap Plan N might be your best bet.

It’s the second most popular Medigap plan in Florida, and it offers strong benefits with lower monthly premiums than Plan G.

What’s the trade-off? With Plan N, you’ll pay small copays when you visit the doctor (up to $20) or go to the emergency room (up to $50, waived if you’re admitted).

It also doesn’t cover Medicare Part B excess charges, but those are rare - and easily avoided if your doctor accepts Medicare assignment.

Why it’s a great value:

• Lower monthly premiums than Plan G - often by $20–$30 or more per month
• Predictable copays instead of full coinsurance
• Great option for healthy seniors who don’t mind the occasional out-of-pocket cost

Estimated Monthly Premium in Florida: $130–$200 depending on your age, location, and insurer.

Plan N is especially attractive because of its history of lower annual rate increases compared to Plan G. If you’re trying to future-proof your retirement budget, Plan N offers reliable coverage without overpaying for care you may not use every month.

#3. Best for Lowest Premium Cost: High Deductible Plan G

If you're looking for full Medigap protection without the higher monthly premium of standard Plan G, High Deductible Plan G (HDG) is a smart alternative.

It offers the same core benefits as regular Plan G - but with a much lower monthly cost in exchange for a higher annual deductible.

In 2025, the deductible for HDG is $2,870. That means you'll pay your portion of out of pocket for Medicare-covered expenses until you hit that amount, after which the plan covers the rest - just like traditional Plan G.

It’s a budget-conscious way to protect yourself from catastrophic costs while keeping monthly expenses low.

Why It’s a Budget-Friendly Favorite:

• Lowest monthly premiums of any Medigap plan
• Same full coverage as Plan G after you meet the annual deductible
• Ideal for healthy individuals who don’t use much medical care but want peace of mind for major events
• Great option for retirees on a fixed income or with a Health Savings Account (HSA) rollover

Estimated Monthly Premium in Florida: $60–$95 (Rates vary by ZIP code, age, gender, and carrier).

Key Tradeoffs to Consider:

• You pay more upfront if you need care early in the year
• Not recommended for those with chronic conditions or frequent doctor visits
• Fewer insurers offer HDG, so choices may be more limited in some areas

If you can comfortably cover the annual deductible, this plan could save you hundreds - if not thousands - of dollars per year compared to standard Plan G.

And just like with all Medigap plans, you’ll have the freedom to see any doctor nationwide who accepts Medicare, with no referrals or networks to worry about.

#4. Best for Under Age 65: Medigap Plan K

If you’re under 65 and on Medicare due to a disability or health condition, you might find that your plan options feel limited or too expensive. In most states, individuals in this demographic are typically offered only Medigap Plan A. However, in Florida, all Medigap plans are available. The downside is that the pricing for these plans is significantly higher compared to Medicare recipients who are 65 or older. For this reason, Medigap Plan K may be the best choice in such situations.

Plan K is the most basic Medigap plan available.

Medigap Plan K Covers:

• Part A Coinsurance and hospital costs(100%)
• Part A deductible(50%)
• Part B coinsurance(50%)
• First 3 pints of blood(50%)
• Skilled Nursing coinsurance(50%)

*Benecifiary's out-of-pocket limit is $7,220 in 2025. At that point your Medicare cost share is covered at 100%.

Medigap Plan K Does Not Cover:

• Part B deductible(counts towards out-of-pocket limit)
• Part B excess charges
• Foreign Travel

Why it’s often the go-to for younger beneficiaries:

• In Florida, Medigap beneficiaries under age 65 pay much higher premiums for Medigap plans. Plan K is a good value.
• You won’t be denied due to health conditions
• It’s a stepping stone - many people switch to Plan G or N at age 65 when new options open up

Estimated Monthly Premium in Florida (Under 65): $250–$400 for Plan K. In Contract Plan G would be $800-$1,000 per month.

Plan K is the most cost-effective plan for those under the age of 65. It can be a crucial bridge until more plan options become available.

Once you turn 65, you’ll get a new Medigap open enrollment window - and that’s the perfect time to upgrade.

#5. Best For Pre-MACRA Changes: Medigap Plan F

If you qualified for Medicare before January 1, 2020, you may still be eligible for Medigap Plan F - and if you are, it's worth considering.

For years, Plan F was the go-to option for Medicare beneficiaries looking for the most comprehensive coverage possible. It’s the only plan (alongside the now-discontinued Plan C) that covers everything Medicare Parts A and B leave behind - including the Part B deductible.

Why People Loved It:

‍Plan F essentially meant zero out-of-pocket costs for Medicare covered services. Doctor visit? Covered. Hospital stay? Covered. Lab work, outpatient surgery, durable medical equipment? All covered.

It was true peace-of-mind insurance - and the reason it was the most enrolled Medigap plan in the U.S. for decades.

Why It’s Not Available to Everyone:‍

In 2020, MACRA (the Medicare Access and CHIP Reauthorization Act) barred newly eligible Medicare beneficiaries from enrolling in Plan F. The idea was to make beneficiaries share more of the cost (namely the Part B deductible), and potentially reduce unnecessary usage of medical services.

If you were eligible for Medicare before January 1, 2020 (even if you didn’t enroll until later), you may still purchase Plan F - either during open enrollment or if you qualify for a guaranteed issue right.

Pro tip: If you’re eligible and don’t mind a slightly higher premium, Plan F is still an excellent choice. But if you’re newly eligible for Medicare, Plan G is your next-best alternative - it covers everything Plan F does except the $257 (2025) Part B deductible.

Florida Medigap Plan Comparison (Estimated Averages for 2025)

Not sure which Medigap plan is right for you? You’re not alone.

Choosing between Plan G, N, F, and others often comes down to balancing your monthly premium with the kind of coverage you actually need.

To help you compare, we’ve laid out the five most popular Medigap plans in Florida side by side.

This chart shows estimated monthly premiums (which vary by ZIP code and age) along with how each plan handles real-world medical costs - like doctor visits, urgent care, hospital stays, and more.

Florida Medigap Plan Comparison: Coverage by Medical Scenario

Remember: All of these plans work alongside Original Medicare. The benefits shown are based on typical usage scenarios and assume Medicare has paid its share first. Use this comparison as a guide to understand which plan might fit your health needs and budget best.

How Much Does Medigap Cost in Florida?

One of the most common questions we get from Florida seniors is:

“What will I actually pay each month for Medigap?”

While rates vary based on your age, ZIP code, tobacco use, and the insurer you choose, the table below gives you a solid snapshot of current 2025 monthly premiums for some of the most popular Medigap plans in Florida.

These sample rates are based on a 65-year-old, non-smoking female and compare two top carriers in the state - Florida Blue and Mutual of Omaha.

As you’ll see, Plan G and Plan N are the most competitive, but High Deductible G offers incredibly low premiums if you’re comfortable with more out-of-pocket risk.

Plan F is only available to those who were eligible for Medicare before 2020.

Use these numbers as a starting point - and don’t forget to check if you qualify for any discounts, like a household or EFT discount. Rates can change, but this will give you a feel for what’s typical in Florida today.

Medigap Monthly Premiums in Florida (2025)

What Are the Top Medigap Companies in Florida?

With dozens of Medigap insurance companies offering Medigap plans across Florida, it can be hard to know which ones are actually worth your time.

Based on experience, pricing, customer satisfaction, and long-term stability, two companies stand out from the crowd in 2025.

#1. Florida Blue – Best All-Around Option for Florida Residents

Florida Blue (the local Blue Cross Blue Shield company) has been serving Floridians for decades, and it shows.

They’ve got one of the longest-standing reputations in the state and a deep relationship with doctors who work with them regularly.

What makes Florida Blue a top choice:

• Strong brand trust and longevity in the Florida market
• Seamless pairing with Florida Blue dental, accident, and pharmacy plans
• EFT discount and access to programs like SilverSneakers for an additional fee
• Local support and customer service that understands the Florida market
• Solid Plan G and Plan N offerings with competitive pricing and stability

Heads-up: Florida Blue doesn’t currently offer a High Deductible Plan G (HDG), so if that’s your preferred route, you’ll need to look elsewhere.

#2. Mutual of Omaha – Best for High Deductible Plan G

If you're comfortable with a little more out-of-pocket exposure in exchange for much lower premiums, Mutual of Omaha is the go-to pick for High Deductible Plan G.

They consistently offer some of the most competitive HDG pricing in Florida - and they’ve been a rock-solid name in the Medigap world for decades.

What sets Mutual of Omaha apart:

• Best-in-class rates on High Deductible Plan G across most Florida ZIP codes
• Long-standing reputation and financial strength
• Predictable customer service and fast claims processing
• Also very competitive on Plans G, N, and F

Whether you're focused on comprehensive coverage (Plan G), looking to save with copays (Plan N), or stretching your dollar with a high deductible plan, Mutual of Omaha has a plan that fits - especially if you're comfortable managing a bit more upfront risk.

How to Choose the Best Medicare Supplement Plan in Florida

Choosing the right Medigap plan isn’t about picking the flashiest brand - it’s about finding the best fit for your health needs, lifestyle, and budget.

Here’s how to do it:

#1. Know Which Plans Are Most Popular (and Why)‍

Start by understanding your main Medigap options. In Florida, the most popular plans are:

• Plan G – Offers the most comprehensive coverage for new enrollees.
• Plan N – Slightly lower premiums than Plan G in exchange for small copays.
• High Deductible Plan G – Lowest monthly cost, ideal if you're healthy and okay with upfront exposure.
• Plan K – The basic option, typically chosen by those under 65 due to cost effectiveness.
• Plan F – Only available to those who qualified for Medicare before 2020.

Tip: Most people go with Plan G because they don’t want to worry about copays or deductibles.

#2. Compare Premiums Side-by-Side‍

Once you’ve narrowed down your preferred plan (G, N, HDG, etc.), compare prices between top-rated carriers. Premiums vary based on ZIP code, age, and gender.

For example (as of 2025 for a 65-year-old female in Florida):

• Florida Blue Plan G: $234/month
• Mutual of Omaha Plan G: $227/month
• Florida Blue Plan K: $76/month
• Mutual of Omaha High Deductible G: $86/month
• Florida Blue Plan N: $193/month
• Mutual of Omaha Plan N: $166/month

Tip: Premiums can change annually - and companies have different patterns of rate increases. Ask your agent about long-term rate history.

#3. Think About Out-of-Pocket Preferences‍

Ask yourself: Do I want to keep things simple, or save upfront and pay a little as I go?

Choose Plan G if you want peace of mind and very few bills later.

Choose Plan N if you're okay with occasional copays to save each month.

Choose HDG if you rarely go to the doctor and want the lowest premium possible.

#4. Consider the Insurance Company Itself‍

Remember - Medigap benefits are standardized by the government.

What sets companies apart are:

• Monthly premiums and rate increases
• Discounts (e.g. auto-pay discounts)
• Extra perks like gym memberships or dental add-ons
• Customer service and claims experience

#5. Make Sure It’s the Right Fit for You‍

Your needs are personal. Think about:

• Your current health and prescription needs
• Your doctors and preferred facilities
• Your budget and whether copays feel manageable
• Whether you travel often or spend part of the year in another state

#6. Work With a Licensed Agent Who Knows Florida

A good agent can:

• Can educate on all plan differences
• Flag potential underwriting issues (especially if you’re applying outside of your Medigap Open Enrollment window)
• Help you understand hidden value, like rate increase trends or policy perks

Need help? We're licensed in Florida and happy to walk you through your options - no cost, no pressure.

How Does Plan G Compare to a Medicare Advantage Plan?

If you’ve been weighing your Medicare options, there’s a good chance you’ve run into this question:

“Should I go with a Medigap plan like Plan G, or one of those all-in-one Medicare Advantage plans?”

Let’s unpack it in plain terms.

Plan G is all about predictability and peace of mind. It covers nearly every out-of-pocket cost left behind by Original Medicare - aside from the small Part B deductible (which is just $257 in 2025).

Once you meet that, you’re basically done. You don’t have to worry about copays every time you go to the doctor, or whether your treatment will be covered.

Medicare Advantage, on the other hand, often comes with low or $0 monthly premiums, but you’ll feel it on the back end - with copays, coinsurance, and caps on what doctors you can see.

Many Advantage plans operate like HMOs, meaning you have to stick to a network and get referrals. And even PPOs, while more flexible, still come with a layer of managed care rules you’ll need to navigate.

Then there’s the issue of prior authorizations. With Medigap? Not a thing. If Medicare covers it, your doctor can proceed.

But with Advantage, even medically necessary services can be delayed while the insurance company decides whether or not to approve it.

And every January? Medicare Advantage plans can change - new networks, new costs, different drug formularies. That means your plan today might not be the plan you’re stuck with tomorrow.

Medigap, by contrast, doesn’t change. As long as you pay your premium, your benefits stay the same - for life.

Travel often? Spend winters in Florida and summers up north? Medigap is seamless. You’re covered anywhere in the country that takes Medicare.

Advantage plans, not so much. Even PPOs often have restrictions or limited national coverage.

So here’s the gist: if you want a hands-off, reliable Medicare experience - no surprises, no red tape, just go-where-you-need-to-go freedom - Plan G is your go-to.

It costs more upfront, but it removes the uncertainty. And for a lot of folks, especially as they get older or face chronic conditions, that peace of mind is worth every penny.

We help people make this decision every day - and most who pick Medigap tell us the same thing later: “I’m so glad I didn’t go the Advantage route.”

How to Switch From Medicare Advantage to a Medigap Plan

If You’re New to Medicare Part B: If you’re just signing up for Part B for the first time - whether you’re 65 or older - you get a one-time 6-month Medigap Open Enrollment Period.

During this window, you can choose any Medigap plan from any company, with no health questions or underwriting. You can skip the Advantage route altogether and go straight to a supplement.

If You’re Within 12 Months of Trying a Medicare Advantage Plan for the First Time: You may qualify for the “Trial Right”. If you joined an MAPD plan when you first turned 65, you have 12 months to switch to a Medigap plan - and insurance companies must accept you guaranteed issue.

That means no medical underwriting and no risk of denial, even if you have pre-existing conditions. This is a once-in-a-lifetime right for first-time MAPD users.

During the Medicare Advantage Open Enrollment Period (Jan 1 – Mar 31): You can leave your MAPD plan and go back to Original Medicare. However, this does not give you guaranteed access to a Medigap plan.

You’ll likely have to go through medical underwriting, which means insurers can ask health questions and potentially deny your application.

During the Annual Enrollment Period (Oct 15 – Dec 7): You can also drop your Medicare Advantage plan and return to Original Medicare during this time. But again, just like in the OEP, you’ll need to apply for a Medigap plan and may be subject to underwriting unless you qualify for a special situation.

If You Qualify for a Special Enrollment Period (SEP): Certain life events - like moving out of your plan’s service area, losing other coverage, or your Advantage plan being terminated - may trigger an SEP.

Depending on the event, you could qualify for guaranteed issue rights to get into a Medigap plan.

If You’re Outside All Enrollment Windows: You can still apply for Medigap at any time of year, but you’ll need to go through medical underwriting. This means the insurer can ask you about your health history and medications - and in some cases, may deny coverage or charge more based on your health.

Can I Travel With A Medigap Plan?

Absolutely - Medigap is one of the best options if you travel often or split time between two homes.

Unlike Medicare Advantage plans, which usually lock you into a local network of doctors and hospitals, Medigap works anywhere in the country that accepts Medicare.

That means:

• You can see a doctor in Florida in the winter and another in New Jersey in the summer - no referrals, no hassle.
• Snowbirds and retirees with multiple residences can get care in both locations without switching plans or worrying about networks.
• Medigap also covers you when you’re traveling in the U.S. and need medical attention away from home.
• And if you have a Medigap plan that includes foreign travel emergency coverage (like Plan G or Plan N), you’re even protected while abroad (up to plan limits).

This flexibility is a big reason why many people choose Medigap over Medicare Advantage, especially if they don’t want to be tied to a specific county or state for their care.

Can I Use Specialty Facilities Anywhere in the Country?

Yes - and this is one of the biggest advantages of choosing a Medigap plan over Medicare Advantage.

With Medigap, you’re free to use any hospital or specialty facility nationwide that accepts Medicare. There are no networks to worry about, no referrals needed, and no hoops to jump through.

If you need to see a top cancer center in Houston like MD Anderson Cancer Center, a cardiologist at the Cleveland Clinic, or get a second opinion from a major academic hospital - you can.

This is especially important if you’re dealing with a serious condition or simply want the ability to seek care at the best facilities available, regardless of location.

Medicare Advantage plans often limit you to local or regional networks, and going out-of-network can mean high out-of-pocket costs - or no coverage at all.

With Medigap, the country is essentially your network. You get consistent coverage, predictable costs, and peace of mind knowing that if something big happens, you can get care from top specialists anywhere in the U.S.

Do I Have to Re-Enroll in a Plan Each Year?

No, you do not have to re-enroll in your Medigap (Medicare Supplement) plan each year.

This is a common point of confusion because people often hear about the Medicare Annual Election Period (AEP), which runs from October 15 to December 7.

But AEP only applies to Medicare Advantage (MAPD) and Part D prescription drug plans - not to Medigap.

Once you enroll in a Medigap plan, it’s yours to keep as long as you continue paying the premiums. You don’t have to renew it annually, and your benefits don’t change year to year like they often do with Medicare Advantage plans.

Medigap plans are guaranteed renewable, which means the insurance company can’t drop you because of your health or age.

So unless you decide to switch plans or want to shop for a better rate, your Medigap plan just keeps going. Simple, stable, and one less thing to worry about during enrollment season.

Bottom Line

Navigating Medicare can feel overwhelming, but for many Floridians, Medigap offers clarity, consistency, and peace of mind in an often complex system.

With over 920,000 Floridians enrolled in Medigap plans - and satisfaction rates exceeding 90% nationwide - it’s clear that Medicare Supplement coverage remains a trusted option for those who want to avoid the surprises and restrictions that can come with Medicare Advantage.

The beauty of Medigap lies in its simplicity: no prior authorizations, no provider networks, and no guessing games when it comes to billing.

Whether you're a frequent healthcare user or just want solid coverage in case of a major event, there's a Medigap plan to match your lifestyle and budget.

As we've outlined in this guide, most people in Florida gravitate toward Plan G for its all-around coverage, or Plan N for a smart balance of savings and security.

If you’re healthy and want to minimize your monthly cost, High Deductible Plan G could be the most affordable solution - while Plan K offers an essential starting point for those under 65 on Medicare.

And if you're grandfathered into Plan F, you may still access the most complete coverage Medicare allows.

Choosing the right plan isn't just about the letter - it’s about matching your health needs, travel habits, and financial goals with the right company and coverage level.

Whether you’re leaning toward a household-name carrier like Florida Blue or exploring other trusted Medigap providers, the most important step is making an informed choice based on where you live and what matters most to you.

And remember: once you enroll in a Medigap plan, you don’t have to re-shop it every year. Your benefits remain stable and your coverage follows you nationwide, even if you move or travel seasonally.

That’s what makes Medigap a true “set it and forget it” option - and a favorite among retirees who value flexibility and freedom.

Still unsure which path to take? Our licensed Medicare specialists are here to help - no pressure, no hidden fees. We’ll walk you through quotes, rate histories, and enrollment timelines to ensure you choose confidently and avoid common mistakes.