Medicare Plan G in Florida

Medicare Plan G covers all Medicare cost-sharing gaps except the Part B deductible ($240 in 2024). This includes the Part A deductible, Part A coinsurance, Part B excess charges, skilled nursing facility coinsurance, and foreign travel emergency care.

Plan G is the most comprehensive Medigap plan available to new Medicare enrollees (those who became eligible after January 1, 2020). It provides the most predictable out-of-pocket costs, with only the Part B deductible as your annual expense.

Plan G premiums in Florida vary by carrier, age, gender, and zip code. A 65-year-old may pay $100–$180/month. Premiums increase with age. A licensed agent can compare all available Plan G rates for your specific situation.

The best time is during your 6-month Medicare Supplement Open Enrollment Period — starting when you are both 65+ and enrolled in Medicare Part B. During this window, you cannot be denied or charged more due to health conditions.

During your Open Enrollment Period, you cannot be denied Plan G coverage. Outside this window, carriers can use medical underwriting and may deny coverage or charge higher premiums based on health history.

Plan G covers more — including Part B excess charges — while Plan N has lower premiums but requires small copays ($20 for doctor visits, $50 for ER visits) and does not cover Part B excess charges. Plan G offers more comprehensive coverage; Plan N offers lower premiums.