Medicare Supplement Plan G is the most comprehensive Medigap plan available to new Medicare enrollees and the most popular choice among Florida seniors.
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 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 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.
Plan G does not cover the Part B deductible ($257 in 2026), prescription drugs, dental, vision, hearing, or long-term care.
Yes. Plan F is no longer available to new Medicare enrollees after January 1, 2020. You can switch to Plan G at any time.
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.
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.
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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