Learn about Florida Medicare Supplement (also called Medigap) plans: cost, coverage, and how to enroll

Medicare Supplement plans are a popular option for Original Medicare beneficiaries because they help cover the 20% of costs that Medicare doesn’t pay. These plans are often also called Medigap plans because they help “fill the gaps” in Original Medicare coverage. 

Some Medicare beneficiaries choose to leave Original Medicare and enroll in a Medicare Advantage plan. Unlike Medicare Advantage plans, having Original Medicare + Medigap doesn’t:

  • Limit your provider network - you can see any doctor who accepts Medicare

  • Require you to get prior authorization for Medicare-covered services

In the rest of this guide, we’ll cover the details of how much Medicare Supplement plans cost in Florida, what the best Florida Medicare Supplement plan is, and how you can be sure you make the right choice for your unique needs.

Key Takeaways:

  • There are ten types of Medicare Supplement plans in Florida.

  • The most popular Medicare Supplement plans nationwide are Plans F, G, and N.

  • Plans F and C are not available to those who turn 65 after January 1, 2020.

  • Each plan of the same type, (e.g., every Plan G) is identical in coverage, but pricing may vary based on personal factors, pricing structures, and insurance carriers.

Florida Medicare Supplement plans explained

There are ten types of Medicare Supplement plans available to Florida residents. There are also high-deductible versions of two plan types (F & G). Each of these plans covers some of the costs of Medicare out-of-pocket expenses. Plan G is generally considered the best Medigap plan because it’s the most comprehensive. (Plan F has slightly more coverage, but is not an option for those who turn 65 after January 1, 2020). Consult this chart to see what each specific type of plan covers.

What is the best Medicare Supplement plan in Florida?

For new Medicare beneficiaries who don’t have Medigap Plan F as an option, Plan G is the “best” Medigap, in that it provides the most coverage. Which plan is right for you, depends on a number of other factors, including your financial situation. 

There are 30 Medigap Plan G policies in Florida, with premiums ranging from $167-$1,261. These Plans are offered by 29 insurance carriers, including State Farm, Florida Blue, Humana, and Wellcare. (Data from 2023.)

How much do Florida Medicare Supplement plans cost?

There are multiple factors that can affect the cost of a Medicare Supplement plan. For all Medigap plans in Florida in 2023, premiums range from $51/mo for a high-deductible Plan G, to $1,727 for the highest cost Medigap Plan F. Below, you’ll find the price range for each type of Medigap plan as well as information about the factors that can affect your monthly premium (data from medicare.gov - 2023).

Medigap Plan TypePremium Range
Plan A$140-$1,286
Plan B$178-$1,049
Plan C$182-$1,122
Plan D$196-$1,089
Plan F$182-$1,727
Plan F-high deductible$51-$723
Plan G$167-$1,261
Plan G-high deductible$51-$897
Plan K$62-$373
Plan L$128-$664
Plan M$189-$703
Plan N$127-$946

Personal factors that may affect a plan’s cost:

  • Your age

  • Your gender

  • Whether or not you smoke tobacco products

  • Your location

  • Household discounts available with some Medigap plans

Plan factors that affect cost are:

  • Insurance carriers

  • The policy’s pricing structure

Medigap plan pricing structures


The community-rated pricing structure may also be called no age-rated. Policies with these pricing structures have the same monthly premiums for everyone who’s on the policy, regardless of age. If you’re on a community-rated policy, your premium will not increase as you age.


The issue-age-rated pricing structure may also be called entry age-rated. Policies with these pricing structures determine premiums based on the age you are when you first enroll. This means premiums are lower for individuals who joined the plan when they were younger. If you’re on an issue-age-rated policy, your premium will not increase as you age.


Attained-age-rated policies base premiums on your current age (the age you’ve “attained”). The premiums you see for these types of plans may be the lowest. Just remember that your premium will increase as you age. 

How to choose and enroll in the best Florida Medigap plan

Medicare plans are standardized. That means that one Plan G will be identical to another, even if the insurance carriers or premiums are different. Once you’ve chosen a plan that best fits your health and financial needs, you should focus on two things:

  • The customer service provided by the insurance carrier

  • The current premiums and pricing structure

Our Florida Medicare Advisors are here to help you get the most from Medicare. Your Advisor will pay special attention to your healthcare needs, including your preferred medical providers and prescriptions. We’ll then work with you to choose and apply for the best Medicare coverage for your personal needs.

Our licensed Medicare Advisors provide free advice and support! Schedule a free consultation or call us at (855) 900-2427 to get your questions answered and feel confident in your Medicare decisions.

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