The Best Medicare Supplement (Medigap) Plans in Florida

Christian Worstell
In this article...
  • Compare Medigap plans in Florida with this easy-to-understand review. These private Medicare Supplement plans help Florida seniors pay for Medicare deductibles and copays.

40% of Original Medicare (Part A and Part B) beneficiaries in Florida are enrolled in a private Medicare Supplement plan to boost their coverage.1 These optional policies, called Medigap for short, help cover your portion of Medicare costs like deductibles, coinsurance and copays. 

Medigap works alongside Original Medicare, which doesn't contribute to your health care costs until you've met your Part A and B deductibles. Once you've paid your deductible, you typically pay coinsurance each time you use a Medicare-covered service. These types of expenses are covered by Medicare Supplement Insurance.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

What Are the Best Florida Medicare Supplement Plans?

Insurance carriers can typically sell 10 types of Florida Medigap plans, covering deductibles, coinsurance and emergency care outside of the country. Insurance companies must package the benefits exactly as set out by Medicare but can set their own premiums. We've included a chart to help you compare the coverage provided by each type of plan.

Medicare Supplement Insurance Plans 2024
Medicare Supplement Benefits A B C1 D F1 G K L M N
Part A coinsurance and hospital costs
Part B coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
Medicare Part B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,800 in 2024. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $7,060 in 2024. Plan L has an out-of-pocket yearly limit of $3,530 in 2024.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.

While most people want the Part B deductible covered by Medigap, regulations now require new Medicare enrollees in Florida to pay for this annual limit out of their own wallet. This means if you're eligible for Medicare on or after January 1, 2020, you can't buy Medigap Plans C or F — the two standardized plans which include this benefit. You can get Plans D and G instead, which offer similar coverage without the Part B deductible. 

If you regularly visit a Florida health care provider that charges fees above the Medicare-approved amount, Plans F or G may be good options. Both plans cover 100% of excess charges. Plans F and G also pitch in 80% of emergency care if you're outside of the country, offering peace of mind when traveling abroad.

Plan N offers extensive Medigap benefits, except the Part B deductible and excess charges. You may find premiums are lower with Plan N policies because they require small copays for some doctor's appointments and emergency care.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

How Do I Enroll in Florida Medigap Plans?

While you can join a Florida Medigap plan year-round, you have certain protections when you're first eligible.

Insurance companies typically underwrite policies, which is a challenge for those who have a medical condition or are considered high risk. However, when you're first eligible for Medigap — and in special circumstances — you enjoy guaranteed issue rights to buy Medigap. At these times, you can sign up with any Medigap plan without worry of higher premiums or refusal of coverage because of your health. Insurers must also cover any pre-existing conditions.

These protections apply when:

  • Your six-month Medigap open enrollment period opens. This window starts the month you're 65 or older and enrolled in Medicare Part B. Once this enrollment period ends, you may no longer qualify for guaranteed coverage, so be sure to use it to your advantage.

After the end of your Medigap open enrollment period, you may also have guaranteed issue rights if:

  • Your coverage through a workplace group plan is ending.
  • You no longer live in your Medicare Advantage service area.
  • You joined a Part C plan when first eligible and now want to return to Original Medicare (after less than 12 months).

Your insurance company is no longer providing coverage.

  1. AHIP. (Feb, 2023). The Sate of Medicare Supplement Coverage Trends in Enrollment and Demographics.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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