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Fill the Gaps in Your Medicare Coverage with a Medigap Plan in Florida

Medicare covers a lot—but not everything. You’re still responsible for deductibles, coinsurance, and copayments that can add up quickly. That’s where Medicare Supplement plans in Florida, also known as Medigap plans, come in. These private insurance policies work alongside Original Medicare to help pay the costs Medicare leaves behind, giving you more predictable healthcare expenses and greater peace of mind.


If you’re in Winter Park, Orlando, or anywhere in Central Florida, our licensed agents can help you understand your options and compare plans from multiple top-rated carriers.

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Complete Your Coverage

What Are Medicare Supplement Plans?

Medicare Supplement (Medigap) plans are standardized policies that pay after Medicare Parts A and B. They can cover things like:


  • Part A hospital coinsurance and extra hospital days
  • Part B coinsurance (the 20% Medicare doesn’t pay)
  • Hospice care coinsurance
  • Blood (first 3 pints)
  • Skilled nursing facility coinsurance
  • Foreign travel emergency coverage (on some plans)

In Florida, the most popular plans are:

  • Plan G: Covers nearly all gaps except the Part B deductible.
  • Plan N: Lower premiums with small copays for doctor visits and ER visits.

Note: Plans C and F are no longer available to new Medicare enrollees as of 2020, but if you qualified before then, you may still keep them.


Medigap works only with Original Medicare—never with Medicare Advantage.

Coverage Benefits of Medigap

While each lettered plan offers a different mix of benefits, they are standardized across insurance companies—meaning Plan G from one carrier has the same coverage as Plan G from another. The difference? Premiums and service.


Here’s how the most popular plans compare:

01

Plan G

Comprehensive coverage, great for those who want to avoid most out-of-pocket costs.

02

Plan N

More budget-friendly premiums with minimal copays and no Part B excess charge coverage.

We’ll walk you through each option and help you match the right coverage to your healthcare habits and budget.

Florida Medigap

Medicare Supplement Plans in Florida – What to Know

Florida follows federal Medigap standards, so benefits are the same as in other states. Premiums can vary based on:

  • Age at enrollment

  • ZIP code

  • Tobacco use

  • Insurance carrier

Florida is home to a wide range of Medigap carriers, which means more options and competitive rates for residents. If you’re under 65 and on Medicare due to disability, you may have access to at least one Medigap plan in Florida, but choices can be limited and premiums higher—another reason to work with an experienced broker.

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Medigap Enrollment

Enrollment & Switching Medigap Plans

The best time to enroll is during your Medigap Open Enrollment Period—the six months starting the month you’re both 65 or older and enrolled in Medicare Part B. During this time, you can choose any plan without medical underwriting.


Outside this window, you can still apply, but you may be subject to health questions and could be denied based on pre-existing conditions—unless you qualify for a guaranteed issue right (for example, losing other coverage).

Choosing the Right Medigap Plan

Since coverage is standardized, your decision often comes down to:


  • How much you want to pay in monthly premiums
  • How much you want to pay when you get care
  • Whether you prefer no copays (Plan G) or lower premiums with minimal copays (Plan N)



We shop the top Florida Medigap insurers so you can see side-by-side pricing for the same plan. That way, you get the right fit without overpaying.

Plan Choice

Medigap or Medicare Advantage?

If you want the freedom to see any doctor nationwide who accepts Medicare—with no network restrictions—a Medigap plan is the way to go. Medicare Advantage plans, on the other hand, typically have lower premiums and include extra perks like dental or vision, but they work within provider networks and use copays for services.



Still deciding? Our Medicare Advantage Plans page breaks down that path so you can compare both options before you choose.

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Frequently asked questions

Frequently Asked Questions – Medicare Supplement (Medigap) Plans

  • What is a Medicare Supplement plan?

    A Medigap plan is private insurance that works with Original Medicare to cover costs like deductibles, coinsurance, and copays. Benefits for each lettered plan are standardized by law, so the main differences between insurers are the premiums and service.

  • What’s the difference between Plan G and Plan N?

    Plan G covers almost all Medicare-approved costs except the Part B deductible. Plan N usually has lower premiums but includes small copays for doctor visits and ER visits, and doesn’t cover Part B excess charges.

  • When is the best time to enroll in Medigap?

    Your best opportunity is during your Medigap Open Enrollment Period—the six months starting when you’re both 65 or older and enrolled in Medicare Part B. During this time, you can get any plan without answering health questions.

  • Do Medigap plans include prescription drug coverage?

    No. If you choose a Medicare Supplement plan, you’ll need a separate Medicare Part D plan for prescriptions. We can help you choose both so your coverage works seamlessly.

  • Can I use my Medigap plan outside of Florida?

    Yes. You can see any provider in the U.S. who accepts Medicare. Some plans also include limited foreign travel emergency benefits.

Get Guidance on Supplemental Coverage

Unlock Your Potential

The right Medigap plan can make your healthcare costs predictable and manageable. Whether you’re interested in Plan G, Plan N, or another option, our local Winter Park Medicare experts can help.


Call (321) 214-4594 or contact us online for your free, no-obligation Medigap quote.


And remember—Medigap plans don’t include prescription drug coverage, so you’ll want to add a Medicare Part D plan if you need medication coverage.

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