Compare Medicare Supplement Plans Side by Side

Both cover the hospital deductible, the 20% Part B coinsurance, skilled nursing and foreign travel emergencies. Plan G pays everything after the $283 Part B deductible. Plan N has a lower premium but adds copays of up to $20 for some office visits and up to $50 for ER visits that don’t lead to admission, and it doesn’t cover Part B excess charges.

Yes. Medigap benefits are standardized by federal law, so a Plan G from one insurer covers exactly what a Plan G from another covers. What differs is the premium, how the company raises rates over time, and its service. We quote United American, and if you’d like to see another company, we also write plans with Aetna, HealthSpring (formerly Cigna), Medico, Mutual of Omaha, Physicians Mutual and WPS Health Insurance.

Federal law closed Plans C and F (and High-Deductible F) to anyone who became eligible for Medicare on or after January 1, 2020, because they cover the Part B deductible. If you were eligible before that date, you can still buy them. Plan G is the closest alternative for everyone else.

During your 6-month Medigap Open Enrollment Period, which starts the first month you’re 65 or older and enrolled in Part B. Insurers can’t deny you or charge more for health reasons then. Outside that window, you’ll usually need to answer health questions unless you have a guaranteed-issue right.

Not during your Open Enrollment Period or a guaranteed-issue situation. Outside those times, Florida insurers can use medical underwriting and may decline you or charge more. If you’re thinking about switching plans, we’ll go over the health questions with you before you apply, so there are no surprises.

Doctors who don’t accept Medicare’s approved amount as full payment can bill up to 15% more. That extra amount is an excess charge. Only Plans F and G (and their high-deductible versions) cover it. Florida doesn’t prohibit excess charges, so this coverage can matter here.

No. Plans sold today don’t include drug coverage, so most people pair their Medigap plan with a separate Medicare Part D plan. In 2026, Part D caps your yearly out-of-pocket drug costs at $2,100.

Yes. Florida requires insurers to offer you a 6-month guaranteed-issue window when you enroll in Part B, and you get another open enrollment period when you turn 65, when premiums are usually lower.

Medigap works alongside Original Medicare, so you can see any doctor in the U.S. who accepts Medicare, with no networks or referrals. Medicare Advantage replaces Original Medicare with a private plan that usually has networks, prior authorizations and different cost-sharing. We focus only on Medicare Supplements.

Usually, over time. How fast depends partly on how the company prices its plans: by your current age, your age when you bought, or the same rate for everyone. We’ll explain how your quote is priced, so you know what to expect later.