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Medicare Supplement Plan G in Florida — Complete 2026 Guide
Key Takeaways
TL;DR: Medicare Supplement Plan G covers the Part A and Part B coinsurance gaps Original Medicare leaves, with premiums that vary by Florida carrier. This 2026 guide compares Plan G with Plan N and lists what Plan G does not cover.
Medicare Supplement Plan G is the most comprehensive Medigap plan available to new Medicare enrollees and the most popular choice among Florida seniors.
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Medigap Plan G covers Part A coinsurance, Part B coinsurance, the first 3 pints of blood, hospice care, skilled nursing facility care coinsurance, the Part A deductible, Part B excess charges, and 80% of foreign travel emergency care. The only gap is the annual Part B deductible, which you pay first — after that, Plan G pays Medicare-approved costs in full.
Plan G Monthly Premiums by Florida Carrier (2026)
Plan G premiums in Florida vary by carrier for identical benefits: Aetna ($125-$165/month), Cigna ($130-$170/month), Mutual of Omaha ($140-$180/month), UnitedHealthcare ($135-$175/month), Manhattan Life ($120-$155/month). Because plan benefits are federally standardized, the smart comparison is household premium over time — ask each carrier about rate-increase history, not just this year's teaser rate.
Plan G vs. Plan N: Which Is Better for Florida Seniors?
Plan N has a lower premium but adds copays — up to $20 for office visits and $50 for emergency-room visits — and does not cover Part B excess charges, which specialists who don't take assignment can bill up to 15% above the Medicare-approved amount. Plan G covers those excess charges in full, which is why it stays the safer choice for most Florida seniors.
Frequently Asked Questions — Medicare Supplement Plan G in Florida
What does Medigap Plan G NOT cover?
Plan G does not cover the Part B deductible ($257 in 2026), prescription drugs, dental, vision, hearing, or long-term care.
Can I switch from Plan F to Plan G in Florida?
Yes. Plan F is no longer available to new Medicare enrollees after January 1, 2020. You can switch to Plan G at any time.
Does Plan G cover the Medicare Part B deductible?
No. Plan G covers everything except the Part B deductible, which is $257 in 2026. Once paid, Plan G covers 100% of Medicare-approved costs.
Is Plan G worth it in Florida?
For most Florida seniors, yes. Plan G eliminates network restrictions and covers Part B excess charges. The peace of mind is worth the premium for most retirees.
Can I use Plan G anywhere in Florida or the U.S.?
Yes. Plan G works with any doctor or hospital that accepts Medicare, anywhere in the United States. No network restrictions, no referrals needed.
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This page walks through What Plan G Covers in Florida, Plan G Monthly Premiums by Florida Carrier (2026), Plan G vs. Plan N: Which Is Better for Florida Seniors?, Frequently Asked Questions — Medicare Supplement Plan G in Florida — the same sequence a licensed Florida agent follows on a free review call.
Who reviews this guide
Florida Health Insurance Web is operated by XactInsure, a licensed Florida insurance agency. Guides are written and updated by licensed Florida insurance agents, and the plan comparisons on this page are free with no obligation. Free consultation.
Service area
Cape Coral. The same review covers doctors and hospitals you already use, so plan choices stay inside your network before you enroll.
Medigap Plan G covers Part A coinsurance, Part B coinsurance, the first 3 pints of blood, hospice care, skilled nursing facility care coinsurance, the Part A de
Plan G Monthly Premiums by Florida Carrier (2026)
Plan G premiums in Florida vary by carrier for identical benefits: Aetna ($125-$165/month), Cigna ($130-$170/month), Mutual of Omaha ($140-$180/month), UnitedHe
Plan G vs. Plan N: Which Is Better for Florida Seniors?
Plan N has a lower premium but adds copays — up to $20 for office visits and $50 for emergency-room visits — and does not cover Part B excess charges, which spe
Frequently Asked Questions — Medicare Supplement Plan G in Florida
Plan G does not cover the Part B deductible ($257 in 2026), prescription drugs, dental, vision, hearing, or long-term care.
Talk to a Licensed Florida Insurance Agent Today
Free consultation.
The short answers to the common questions
What does Medigap Plan G NOT cover? Plan G does not cover the Part B deductible ($257 in 2026), prescription drugs, dental, vision, hearing, or long-term care. Can I switch from Plan F to Plan G in Florida? Yes. Does Plan G cover the Medicare Part B deductible? No. Is Plan G worth it in Florida? For most Florida seniors, yes.
Medicare.gov publishes the official Medigap plan comparison and Medicare enrollment rules used across these guides. Medicare.gov.
Reviewed by Alston Ebron, licensed Florida insurance agent, XactInsure · serving Medicare Plan G Florida and statewide Florida. Last updated 2026-09-13. Plan availability and premiums change annually — confirm current figures with a licensed agent before enrolling.
Florida Health Insurance Web is a licensed insurance agency and may receive compensation from insurance carriers for plans it helps you enroll in. We do not offer every plan available in your area. Plan availability, premiums, deductibles, networks, and eligibility for premium tax credits vary by location, income, and household size. Open Enrollment and Special Enrollment dates are set by the Marketplace (HealthCare.gov for Florida) and can change from year to year. Confirm current dates at HealthCare.gov before enrolling. This page is general information only. It is not a quote, an offer of coverage, or a commitment of coverage, approval, or savings.
