Medicare Plan G in Florida: Is It the Right Medigap Plan for You?
Medicare Plan G is the most comprehensive Medigap plan available to new enrollees in 2026. It covers all Original Medicare gaps except the annual Part B deductible ($257 in 2026). In Florida, Plan G premiums range from $170-$263/month depending on age, carrier, and county. A licensed advisor can compare Plan G rates from all carriers in your zip code at no cost.
What Does Medicare Plan G Cover in 2026?
| Benefit | Plan G Coverage |
|---|---|
| Medicare Part A coinsurance and hospital costs | Covered 100% |
| Medicare Part A hospice care coinsurance | Covered 100% |
| Medicare Part A deductible ($1,676 in 2026) | Covered 100% |
| Medicare Part B coinsurance or copayment | Covered 100% |
| Medicare Part B excess charges | Covered 100% |
| Blood (first 3 pints) | Covered 100% |
| Skilled nursing facility coinsurance | Covered 100% |
| Foreign travel emergency (up to plan limits) | Covered 80% |
| Medicare Part B deductible ($257 in 2026) | NOT covered |
After paying your $257 Part B deductible once per year, Plan G covers 100% of all Medicare-approved services for the rest of the year. No surprise bills. No copays. No network restrictions.
Medicare Plan G vs Plan N: Which Is Right for You?
Frequent healthcare users, specialist visits, chronic conditions
Healthy seniors, infrequent doctor visits
If you see doctors more than 3x per year, Plan G's higher premium usually pays for itselfcompared to Plan N's copays.
Not sure which plan fits your situation?
How Much Does Medicare Plan G Cost in Florida?
In 2026, Medicare Plan G premiums in Florida range from approximately $170 to $263 per month depending on your age, the insurance carrier, and your county. Florida uses issue-age pricing for Medigap — meaning your premium is based on the age you were when you first enrolled, not your current age. This makes enrolling at 65 the most cost-effective time.
Top carriers offering Plan G in Florida in 2026 include: Humana, UnitedHealthcare (AARP), Aetna, Blue Cross Blue Shield of Florida, Cigna, and Mutual of Omaha.
A licensed advisor can pull exact rates for your zip code and age from all carriers in your area — rates vary significantly between carriers for identical coverage.
The lowest Plan G rate in Florida in 2026 starts at approximately $170/month.
The statewide average is $195/month.
Source: CMS 2026 rate filings / MoneyGeek analysis
The One Thing You Must Know Before Choosing Plan G
Your Medigap Open Enrollment Window Opens Once — and Never Again
When you turn 65 and enroll in Medicare Part B, you have a 6-month Medigap Open Enrollment Period. During this window, any insurance company must sell you Plan G (or any Medigap plan) at their standard rate — regardless of your health history.
After this window closes, Florida insurers can:
- Deny your application based on pre-existing conditions
- Charge you higher premiums based on your health
- Exclude coverage for certain conditions
This is why choosing the right Medigap plan at 65 is one of the most important Medicare decisions you will make.
If you missed your Open Enrollment Period and were denied Plan G, you may still have options.
A licensed advisor can review your situation and identify alternatives. Call (561) 735-1490.
Frequently Asked Questions About Medicare Plan G
For most Florida seniors, yes. Plan G eliminates virtually all out-of-pocket costs for Medicare-covered services except the $257 annual Part B deductible. If you see doctors regularly, take prescription drugs (covered separately under Part D), or want predictable healthcare costs in retirement, Plan G provides the most comprehensive protection available.
During your 6-month Medigap Open Enrollment Period (starting when you turn 65 and enroll in Part B), no company can deny you Plan G or charge extra based on your health. After that window, Florida insurers can deny coverage or charge higher rates based on medical history.
No. Plan G (and all Medigap plans) do not include Part D prescription drug coverage. You would need a separate standalone Part D plan alongside Plan G. A licensed advisor can recommend the lowest-cost Part D plan for your specific medications.
Rates for identical Plan G coverage vary significantly between carriers — sometimes by $50-80/month or more for the same zip code and age. A licensed independent advisor can pull real-time quotes from all carriers in your area at no cost to you.
Compare Plan G Rates in Your Area — Free
A licensed Florida Medicare advisor will pull exact Plan G rates from all carriers in your zip code and compare them with Plan N and Medicare Advantage options. Takes 15 minutes. No obligation.
Or call (561) 735-1490