Medicare Supplement Plans, Compared by a Licensed Agent Since 1994
Clear answers on Medigap costs, enrollment timing and companies, plus free side-by-side quotes for Florida and Alabama residents
Licensed in Florida since 1994 and in Alabama • No cost for our help • Side-by-side quotes
Medicare Supplement Insurance, Explained Plainly
A Medicare Supplement (Medigap) plan works with Original Medicare and pays most of the deductibles and coinsurance Medicare leaves to you. Benefits are set by federal law for each plan letter, so a Plan G pays the same with every company. What changes from one company to the next is the premium, how that premium rises over time and the service you get.
This site helps you sort that out: what each plan pays in 2026, what plans cost where you live, when you can buy without health questions and how to pick a company you can count on.
Who you will work with: Charles “Chuck” Lunsford, Life & Health insurance agent licensed in Florida since 1994 (license A169316) and in Alabama, NPN 553216. Chuck reviews the information on this site.
Verify the license on the Florida Department of Financial Services licensee search. Last reviewed October 18, 2026. Medicare amounts are checked against CMS figures for 2026.
Where Are You With Medicare?
Turning 65 or new to Medicare
- Sign up for Part A and Part B during your 7-month Initial Enrollment Period, which runs from 3 months before the month you turn 65 to 3 months after.
- Your 6-month Medigap open enrollment period starts the first month you are 65 or older and enrolled in Part B. During it, companies cannot turn you down or charge more because of your health.
- Add a Part D drug plan, since Medigap plans sold today do not cover prescriptions.
- Step-by-step guide: Enrolling in Medicare for the first time in Florida.
Already have a Medicare Supplement plan
- If your premium went up, the same plan letter from another company may cost less. Benefits are identical by letter, so moving the same plan to another company keeps your coverage the same.
- Outside open enrollment, most switches require health questions, so keep your current policy until the new one is approved.
- We can compare your current rate with other companies for your ZIP code and age.
Deciding between Medigap and Medicare Advantage
- Medigap works with any provider in the country that accepts Medicare, with no network or referrals.
- Medicare Advantage plans usually have lower premiums but use networks, prior authorization and copays that change each year.
- If you leave Medigap for Medicare Advantage, getting back into Medigap later can require health questions. See the comparison below.
Plan details: Plan G | Plan N | High-Deductible Plan G | Plan K | Plan L | Compare all plans
Click On Either Image To Download Your Free Guides
How We Help You Choose a Plan
- A short call. About 15 minutes to review your Part B start date, current coverage, doctors and budget.
- Side-by-side quotes. Rates from the companies available in your ZIP code for the plan letters that fit you, usually Plan G, Plan N or High-Deductible Plan G, with notes on each company’s rate history and underwriting.
- Application help. We help you complete the application correctly and time it so your new coverage starts when you need it.
- Ongoing reviews. When your premium changes, we check whether another company offers the same plan for less.
There is no charge for our help. Agents are paid a commission by the insurance company you choose, not by you. The companies we represent are listed in the disclaimer at the bottom of this page.
2026 Medicare Costs and What Plans G and N Pay
Most people new to Medicare compare three plans. Plans C and F are sold only to people who were eligible for Medicare before January 1, 2020.
| Medicare cost | 2026 amount | Plan G | Plan N | High-Deductible Plan G |
|---|---|---|---|---|
| Part A hospital deductible | $1,736 per benefit period | Pays | Pays | Pays after $2,950 |
| Hospital days 61 to 90 | $434 a day | Pays | Pays | Pays after $2,950 |
| Lifetime reserve days | $868 a day | Pays | Pays | Pays after $2,950 |
| Skilled nursing days 21 to 100 | $217 a day | Pays | Pays | Pays after $2,950 |
| Part B deductible | $283 a year | You pay | You pay | Counts toward $2,950 |
| Part B coinsurance | 20% | Pays | Pays, except copays up to $20 office and $50 ER | Pays after $2,950 |
| Part B excess charges | Up to 15% | Pays | You pay | Pays after $2,950 |
The standard Part B premium is $202.90 a month in 2026, and you pay it with any Medigap plan. All three plans work with any doctor or hospital in the United States that accepts Medicare and cover 80% of emergency care abroad after a $250 deductible, up to a $50,000 lifetime limit.
Plan details: Plan G | Plan N | High-Deductible Plan G | Plan A | Plan B | Plan C | Plan D | Plan F | Plan K | Plan L | Plan M | Compare all plans
What a Medicare Supplement Plan Costs
Premiums depend on the company, your ZIP code, age, sex and tobacco use. In Florida, the median Plan G rate on file with the Florida Office of Insurance Regulation for a non-tobacco woman age 65 ranges from $241 a month in Pensacola and Gainesville to $373 in Miami, for policies starting November 1, 2026. In every Florida region we checked, the highest Plan G rate was more than $90 a month above the lowest for the same benefits.
See the full table by region and age on our Florida Medicare Supplement page, or request quotes for your ZIP code.
Medicare Supplement vs. Medicare Advantage
| Medicare Supplement (Medigap) | Medicare Advantage | |
|---|---|---|
| Works with | Original Medicare Parts A and B | Replaces Original Medicare for most services |
| Doctors and hospitals | Any provider in the U.S. that accepts Medicare | Plan network; out-of-network care may cost more or not be covered |
| Referrals and prior authorization | Not required by the plan | Often required |
| Monthly premium | Separate premium, set by company, age and ZIP code | Often low or $0 beyond the Part B premium |
| Costs when you use care | Low and predictable with Plan G or N | Copays and coinsurance up to the plan’s yearly limit |
| Prescription drugs | Separate Part D plan | Usually included |
| Benefits from year to year | Guaranteed renewable; benefits do not change | Plan benefits and networks can change each year |
| Switching later | Health questions usually apply outside open enrollment | Can switch plans each fall; moving to Medigap may require health questions |
Medicare Advantage plans are not sold through this site. If you are in your first year of Medicare Advantage after first becoming eligible at 65, or you dropped a Medigap policy to try Medicare Advantage for the first time, federal rules let you return to Medigap within 12 months without health questions.
How to Choose a Company You Can Count On
- Licensed in your state: Check the company with your state insurance department and the agent on the state licensee search.
- Rate history: Ask how much each company has raised rates in recent years. Companies can raise rates only for a whole group of policyholders, not for one person because of claims.
- Complaint record: The NAIC Consumer Insurance Search shows complaints by company and state.
- Price now and later: Compare the rate at your age today and how it is likely to rise as you get older.
Free, unbiased help is also available from your State Health Insurance Assistance Program: SHINE in Florida at 1-800-963-5337 and SHIP in Alabama through the Alabama Department of Senior Services (alabamaageline.gov) at 1-800-243-5463.
Local Medicare Supplement Guides
Our Florida Medicare Supplement guide covers 2026 rates by region, Florida enrollment rules and all 67 county pages, each with local hospitals, nursing homes, cost examples and free Medicare help.
- Florida Panhandle
- North Central Florida
- Northeast Florida
- Central Florida
- Space Coast
- Tampa Bay
- Treasure Coast
- Southwest Florida
- South Florida
- Florida Keys
Alabama residents can request a plan comparison by phone at 239-633-4392.
Click On Either Image To Download Your Free Guides
Medicare Supplement FAQs
What does a Medicare Supplement plan cover?
It pays some or all of the costs Original Medicare leaves to you, such as the Part A hospital deductible ($1,736 per benefit period in 2026), hospital and skilled nursing coinsurance and the 20% Part B coinsurance. Plan G pays all of these except the $283 Part B deductible. Medigap plans sold today do not cover prescriptions, dental, vision or hearing.
How much does a Medicare Supplement plan cost?
It depends on the company, plan letter, ZIP code, age, sex and tobacco use. In Florida, the median Plan G rate for a non-tobacco 65-year-old woman ranges from $241 to $373 a month by region, according to rates on file with the Florida Office of Insurance Regulation.
When is the best time to buy a Medigap plan?
During your 6-month Medigap open enrollment period, which starts the first month you are 65 or older and enrolled in Part B. During it, companies cannot turn you down or charge more because of your health. After it ends, most companies can ask health questions.
Can I use any doctor with a Medicare Supplement plan?
Yes. Medigap plans work with any doctor or hospital in the United States that accepts Medicare. There are no networks or referrals.
Will my Medicare Supplement premium go up?
Usually, yes. Premiums can rise with inflation, claims costs and, for most policies, your age. A company can raise rates only for a whole group of policyholders, not for you alone because of your claims, and it cannot cancel your policy while you pay the premium.
Is Plan G or Plan N better?
Both pay hospital costs in full. Plan G leaves only the $283 Part B deductible in 2026. Plan N usually costs less but adds copays of up to $20 for some office visits and up to $50 for some emergency room visits, and it does not pay Part B excess charges.
Do I pay for an agent’s help?
No. A licensed agent is paid a commission by the insurance company you choose, so there is no fee to you for comparing plans or applying.
Can I switch from Medicare Advantage to a Medicare Supplement plan?
You can leave a Medicare Advantage plan during the fall Annual Enrollment Period or the January 1 to March 31 Medicare Advantage Open Enrollment Period. Outside the 12-month trial rights and other guaranteed issue situations, companies can ask health questions and decline you, so check whether you would qualify before you leave your Medicare Advantage plan.
Sources
- Centers for Medicare & Medicaid Services. (2025, November 14). 2026 Medicare Parts A & B Premiums and Deductibles [Fact sheet].
- Centers for Medicare & Medicaid Services. (2025, October). Medigap High-Deductible Options for Plans F, G and J, 2026 [Announcement].
- Centers for Medicare & Medicaid Services. Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare. Medicare.gov. Accessed October 18, 2026.
- Centers for Medicare & Medicaid Services. When Does Medicare Coverage Start? Medicare.gov. Accessed October 18, 2026.
- Florida Office of Insurance Regulation. Medicare Supplement Sample Rate Search [Database]. Searched October 17, 2026.
- Florida Office of Insurance Regulation (2024). 2024 Medigap Frequently Asked Questions [PDF].
- National Association of Insurance Commissioners. Consumer Insurance Search. Accessed October 18, 2026.
- Florida Department of Financial Services. Licensee Search. Accessed October 18, 2026.
Get Your Free Medicare Supplement Quote Today
Don’t miss your chance for the right Medicare Supplement plan. Call us at 1-239-633-4392, email info@medicaresupplementsonly.com, or fill out our form for a free consultation. Let’s make Medicare work for you. Learn more at the Centers for Medicare & Medicaid Services
Disclaimer:
Site Ownership and Licensing
MedicareSupplementsOnly.com is owned and operated by Charles “Chuck” Lunsford, a Life & Health insurance agent licensed in Florida (License A169316, active since 1994) and in Alabama as a nonresident agent. National Producer Number (NPN): 553216.
Insurance product descriptions on this site are provided for informational and marketing purposes only. The policy and any riders issued by the insurer contain the full terms, conditions, exclusions, and limitations. Eligibility, rates, and benefits are determined by the issuing carrier and may change over time.
Medicare Program Disclosure
This website is not connected with or endorsed by the U.S. government or the federal Medicare program.
Medicare Supplement policies are offered by private insurance companies. Medicare Supplement plans work alongside Original Medicare Parts A and B.
Medicare Advantage plans are not marketed through this site.
This is a solicitation of insurance; a licensed agent may contact you. Products and services are available only where licensed. Availability and carrier participation vary by state and by product.
Additional Disclosures
No tax or legal advice is provided. Consult a qualified tax advisor or attorney regarding your specific situation.
Email and text communications may not be fully secure. Please avoid sending sensitive personal information unless requested through a secure channel.
All trademarks and logos are the property of their respective owners.
Contact Information
Email: info@medicaresupplementsonly.com
Phone: 239.633.4392
Affiliated with and receives compensation for products sold from United American Insurance Company, Globe Life Insurance, and MCC Brokerage located in Tampa, Florida.
Content Review
Content reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216