Medicare Supplement Plan G: Your All-Star Shield for Medicare Gaps
Don’t Pay More for A Medicare Supplement, Get Your Perfect Plan Today!
Clear, Unbiased, Fast • Licensed since 1994 • FL License #A169316 • We do not market Advantage Plans
Plan G: “I Want Excellent Coverage with One Predictable Deductible”
Meet Susan’s Solution: Susan is 67 and recently retired from teaching. She has some ongoing health issues that require regular specialist visits and occasional procedures. She wants excellent coverage but doesn’t mind paying the Part B deductible once a year since it’s a predictable expense she can budget for.
When Plan G is Your Best Choice:
Plan G is ideal if you:
- Visit specialists frequently and want zero copays
- Have chronic conditions requiring ongoing medical care
- Want complete predictability (only Part B deductible to pay)
- Value peace of mind over saving on monthly premiums
- Can afford $140-180/month premium for comprehensive coverage
Plan G Maximum Out-of-Pocket Costs
Your total annual costs with Plan G:
- Monthly Premium: $140-180/month
- Annual Premium: $1,680-2,160
- Part B Deductible: $283 (once per year)
- Total Maximum: $1,920-2,400/year
No matter how much healthcare you use – no copays, no hospital coinsurance, no surprise bills.
Real World Example
Maria, 67, Naples resident with ongoing health needs:
Healthcare Usage:
- Monthly cardiologist visits
- Hospital stay (3 days)
- Multiple specialists throughout year
- Extensive diagnostic testing
What She Paid with Plan G:
- Premium: $2,040
- Part B deductible: $283 (paid in January)
- All other costs: $0
- Total: $2,280
What She Would Have Paid with Original Medicare Only:
- Part B deductible: $283
- Hospital coinsurance: $1,600
- Specialist visit coinsurance: $800
- Diagnostic test coinsurance: $400
- Total: $3,040
Plan G saved Maria $760 and gave her complete peace of mind.
No matter how much healthcare you use:
- No copays for doctor visits
- No hospital coinsurance
- No surprise bills
Complete predictability
Key Coverage Details
- Medicare Part A Coinsurance and Hospital Costs: Covers 100% of hospital coinsurance and up to 365 extra days after Medicare benefits run out.
- Medicare Part B Coinsurance/Copayments: Pays 100% of coinsurance for doctor visits, outpatient care, and preventive services.
- First Three Pints of Blood: Fully covers the first three pints needed for transfusions annually.
- Part A Hospice Care Coinsurance/Copayments: Covers copayments for hospice care under Part A.
- Skilled Nursing Facility Care Coinsurance: Pays 100% of coinsurance for days 21–100 in a skilled nursing facility.
- Part B Excess Charges: Covers 100% of excess charges if a doctor doesn’t accept Medicare’s approved amount (rare in Florida but possible).
- Foreign Travel Emergency: Covers 80% of emergency care costs abroad (up to plan limits, typically $50,000 lifetime).
What It Doesn’t Cover:
- Medicare Part B deductible ($240 in 2025)
- Non-Medicare services (e.g., dental, vision, prescription drugs)
Pros and Cons of Plan G
Let’s weigh the dazzling perks against the tiny hiccups.
Pros
- Near-Complete Coverage: Covers everything except the Part B deductible, giving Florida seniors peace of mind for hospital stays, doctor visits, and more.
- Open to All: Available to pre- and post-2020 Medicare enrollees, unlike Plans C and F, making it a top pick for new retirees.
- Excess Charge Protection: Pays rare Part B excess charges, shielding you from surprise costs if a doctor doesn’t accept Medicare rates.
- Travel-Friendly: 80% coverage for foreign emergencies is perfect for snowbirds or globetrotting retirees.
- Cost-Effective: Often cheaper than Plan F (premiums typically $130–$270/month in Florida), offering similar benefits for less.
Cons
- Part B Deductible: You pay the $240 deductible out of pocket annually, which can sting if you rack up doctor visits early.
- Premium Costs: More expensive than Plans A, B, or D, which may strain fixed budgets for some seniors.
- Premium Variability: Prices differ by insurer, age, and health, so you’ll need to shop Florida’s market to score the best deal.
- Overkill for Some: If you’re healthy and rarely see doctors, you might not need Plan G’s extensive coverage.
Making Your Decision
Each Medicare Supplement plan serves a different need. Consider these questions:
- How much can you comfortably afford in monthly premiums?
- How often do you typically need medical care?
- Do you have savings to cover potential out-of-pocket costs?
- Do you value predictable expenses over lower premiums?
- Do you travel internationally?
Your answers will guide you toward the plan that best fits your situation. Remember, the right plan isn’t necessarily the one with the most coverage—it’s the one that matches your health needs, financial situation, and peace of mind requirements.
Ready to explore your options? Contact us today to discuss which Medicare Supplement plan makes the most sense for your unique situation.
What's the process?
We make it easy to get started. Most people Most use our form so we can reach out at a time that works best for them. During this short call, we’ll review your Medicare Part B effective date, any current coverage you may have, and the budget range you want to stay within.
- Clear, Unbiased, Fast
- Licensed since 1994
- FL License #A169316
We compare rates from multiple Medicare Supplement carriers and identify any potential underwriting considerations. Once we’ve narrowed the options to the plans that best fit your situation, we’ll schedule a convenient time to review the quotes together and explain the trade-offs clearly.
- No pushy sales theater
- Right-sized plan
- Application concierge
Right-sized Medigap plan for your ZIP code and budget (often Plan G or Plan N)
Application support so your e-app is completed correctly the first time
Annual rate check so you’re not overpaying at renewal
- Same day quotes
- Apples-to-apples
- 24-hour response
Why This Site Exists
Medicare can be confusing, overwhelming, and filled with conflicting advice. For many people approaching age 65, it feels less like a healthcare decision and more like navigating a maze of conflicting advice, sales pressure, and generic information that rarely reflects where you actually live or how you actually retire.
MedicareSupplementsOnly.com was created to cut through that noise. Read more
2026 Medicare Costs at a Glance
$1,736.00
Part A Deductible (per benefit period)
$283.00
Part B Deductible (per year)
$202.90 (or higher depending on your income).
Part B Premium (The amount can change each year.)
$217
Skilled Nursing (days 21-100)
Varies
Medigap premiums by plan & location
What Is a Medicare Supplement Plan?
Medicare Supplement plans — often called Medigap — are optional policies you can buy from private insurance companies to help pay the costs that Original Medicare (Part A and Part B) doesn’t fully cover. Think of them as “gap fillers.”
With Medicare alone, you’re still on the hook for things like deductibles, coinsurance, and copays. A Medigap plan can step in and cover some or all of those out-of-pocket costs.
How Do Medicare Supplement Plans Work?
You stay enrolled in Original Medicare.
Medicare pays its share of approved healthcare costs.
Your Medigap plan pays its share after that.
You still use your red, white, and blue Medicare card at the doctor’s office — nothing changes there. The Supplement is just a backup, so you’re not left with big bills.
*Updated annually by Medicare. Premiums may vary based on income.
Fast Facts About Medigap Plans
Medigap is not Medicare Advantage.
Medicare Supplement (Medigap) plans work alongside Original Medicare Parts A and B. There are no provider networks and no referral requirements.Pricing depends on personal and location factors.
Medigap premiums are based on factors such as ZIP code, age, tobacco use, household discounts, and the insurance company. Benefits are standardized by Medicare, but prices are not.When you enroll matters.
Your Medicare Part B effective date and any Guaranteed Issue periods determine whether medical underwriting applies. Enrolling at the right time can affect eligibility and long-term costs.You can see any provider that accepts Medicare.
Medigap plans allow you to visit any doctor or hospital nationwide that accepts Medicare, which can be important for those who travel or live in multiple locations during the year.
Medicare Supplement (Medigap) vs. Medicare Advantage
Medicare beneficiaries typically choose between Medicare Supplement (Medigap) plans and Medicare Advantage plans, which operate very differently.
Medicare Supplement (Medigap):
Higher monthly premiums compared to many Advantage plans
Designed to reduce unpredictable out-of-pocket medical costs
Works with Original Medicare Parts A and B
No provider networks or referral requirements
Nationwide access to any doctor or hospital that accepts Medicare
Medicare Advantage:
Lower monthly premiums in many cases
Uses provider networks and plan-specific rules
May require referrals, prior authorizations, and cost-sharing
Coverage and benefits can change annually
For individuals who prioritize predictable costs, provider flexibility, and nationwide access, Medicare Supplement plans are often the preferred option.
What Factors Influence Medicare Supplement Pricing?
Medicare Supplement premiums vary by location and personal factors. Common pricing variables include:
ZIP code
Age and enrollment timing
Tobacco use
Household or spousal discounts
Insurance company pricing history and rate increases
Because Medigap benefits are standardized, differences in premiums are typically driven by how insurance companies price and adjust rates over time rather than differences in coverage.
Medigap vs Medicare Advantage vs Original Medicare
| Feature | Original Medicare (Parts A & B) | Medicare Supplement (Medigap) | Medicare Advantage (Part C) |
|---|---|---|---|
| Works with Original Medicare | Yes | Yes | No |
| Helps pay deductibles and coinsurance | No | Yes | Sometimes |
| Provider network restrictions | No (any provider that accepts Medicare) | No (same as Original Medicare) | Yes (networks apply) |
| Referrals required for specialists | No | No | Often |
| Prescription drug coverage included | No | No (separate Part D plan required) | Usually |
| Predictable out-of-pocket costs | No | Yes | Varies by plan and usage |
| Travel flexibility within the U.S. | Yes | Yes | Limited outside network |
| Plan renewals or annual changes required | No | No (guaranteed renewable) | Yes (plans may change annually) |
Medicare Supplement plans are standardized by the federal government. Benefits for the same plan letter are identical across carriers, though premiums and underwriting rules may vary.
Medicare Information Transparency
The information on this site is intended for educational purposes and reflects publicly available Medicare program rules and guidance. Medicare Supplement policies are offered by private insurance companies and availability, underwriting rules, and premiums can vary by state, county, and ZIP code. For official Medicare program information, visit Medicare.gov or speak with a licensed Medicare advisor.
Pain Points (and How Plan G Addresses Them)
Florida seniors lose sleep over these Medicare woes. Here’s how Plan G saves the day—or trips up.
- “Hospital and nursing bills terrify me!”
Relief: Plan G covers 100% of Part A coinsurance, 365 extra hospital days, and skilled nursing coinsurance, so long stays or recovery won’t break you.
Catch: Ultra-rare catastrophic costs beyond 365 days aren’t covered, but this is unlikely. - “Doctor costs are eating my savings!”
Relief: 100% Part B coinsurance and excess charge coverage means no copays for most visits, ideal for chronic conditions.
Catch: You’ll cover the $240 Part B deductible, a minor bump for frequent patients. - “What if I get sick on a cruise?”
Relief: 80% coverage for foreign emergencies (up to $50,000 lifetime) protects you in places like the Bahamas.
Catch: You pay 20% (and anything over the limit), which could hurt for major emergencies. - “Medigap plans are so confusing!”
Relief: Plan G’s near-total coverage simplifies things—most gaps are covered, reducing surprise bills.
Catch: Comparing insurers takes effort; Florida’s market is packed, and premiums vary. - “Can I afford this on Social Security?”
Relief: Plan G’s predictable costs (just the deductible) help with budgeting, and it’s often cheaper than Plan F.
Catch: Premiums can still pinch, so budget for $130–$270/month plus the deductible.
Enrollment Timing: When to Grab Plan G
Timing is everything to snag Plan G smoothly. Here’s the scoop:
- Best Time: Medigap Open Enrollment Period (OEP)
- Starts the month you turn 65 and are enrolled in Medicare Part B.
- Lasts 6 months.
- Why it’s clutch: Insurers can’t deny you or charge more for pre-existing conditions. You get Plan G at the best rate, guaranteed.
- Example: Turn 65 in September 2025 and enroll in Part B? Your OEP runs September 2025–February 2026.
- Outside OEP
- You can apply, but insurers may use medical underwriting.
- Pre-existing conditions (e.g., diabetes, cancer) could lead to higher premiums or denial.
- Florida doesn’t guarantee Plan G enrollment outside OEP, so health issues could block you.
- Special Situations
- Losing employer coverage or a Medicare Advantage plan? You may have a guaranteed-issue right to buy Plan G without underwriting.
- Switching from another Medigap plan? Underwriting typically applies—use your 30 years of expertise to navigate.
Pro Tip: Enroll during OEP to lock in Plan G without health-based hassles. Delaying could mean rejection or steep premiums.
FAQs: Answering Seniors’ Burning Questions
- What does Medicare Supplement Plan G cover?
Plan G covers 100% of Part A and B coinsurance, hospital costs (365 extra days), skilled nursing, hospice, excess charges, and 80% of foreign travel emergencies. - How much does Plan G cost in Florida?
Monthly premiums typically range from $130–$270, depending on age, health, and insurer. Shop around for the best deal, as benefits are standardized. - Does Plan G cover the Part B deductible?
No, you’ll pay the $240 Part B deductible out of pocket in 2025. Plan C or F (if eligible) covers it. - Who can enroll in Plan G?
Anyone with Medicare Part A and B can enroll, including post-2020 enrollees, ideally during the 6-month Open Enrollment Period. - Is Plan G good for travelers?
Yes, it covers 80% of emergency care abroad (up to $50,000 lifetime), perfect for snowbirds or retirees traveling. - Can I switch to Plan G later?
Yes, but after OEP, medical underwriting may raise premiums or deny you based on health. Enroll early to avoid issues.
Other Common Worries Seniors Are Talking About
Seniors’ fears go beyond coverage. Here’s how Plan G tackles their concerns:
- “Will I pick a bad insurer?” We steer clients to trusted Florida insurers with low premiums and top-notch service.
- “What if my health changes?” Plan G’s broad coverage handles most needs, but switching plans later may involve underwriting. We always advise enrolling during OEP to keep flexibility.
- “Is Plan G a scam?” Plan G is federally standardized, so benefits are guaranteed.
- “How do I apply?” Enroll in Part B, compare Plan G quotes during OEP, and let us handle the details. Make it feel like a walk on the beach.
Final Thoughts
Medicare Supplement Plan G is like a top-tier surfboard—sleek, reliable, and ready to ride almost any wave Medicare throws at you. For Florida seniors, it’s the sweet spot of near-total coverage and affordability, tackling hospital stays, doctor visits, and even that ER scare in Aruba. Open to all Medicare enrollees, it’s a crowd-pleaser. Surf your OEP like a pro, shop insurers like you’re picking the ripest mango, and trust your expert agent (you!) to seal the deal. Ready to cruise through retirement with confidence? Plan G is your wave to ride!
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 in the Sunshine State. 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).
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 or
Phone: 239.633.4392 Phone:
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
Last updated: March, 10, 2026