Medicare Supplement Comparison Chart in Florida

Medicare Supplement insurance plans, or Medigap plans, are offered by private insurance companies and work together with your Original Medicare coverage - to fill in the gaps by covering some out-of-pocket costs for Part A and Part B.

In this article, I want to share some key info about Florida's Medigap plans with you, like:  

• The benefits of each plan  
• What the premium costs might be  
• How to figure out which plan is right for you

If you look at the Medicare Supplement Plan comparison chart below, you will see the most common Medigap plans labeled A, B, C, D, F, G, K, L, M, and N. Each offers different levels of coverage in Florida, but they are all standardized across Medigap providers.

Let's start with comparing each plan's benefits.

How to Compare Medicare Supplement Plans in Florida

Whether you're looking for the most comprehensive coverage like Plan G, which takes care of almost all Medicare expenses, or you want something more budget-friendly like Plan N with lower premiums, getting to know the differences between each plan will help you pick the one that suits your healthcare needs best.

Check out the Medigap comparison chart below for the 2025 Medicare Supplement plans.

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Florida's Top Medicare Supplement Plan: Plan G Wins

When it comes to Medicare Supplement (Medigap) coverage in Florida, Plan G stands out as the most popular choice. With more comprehensive coverage and fewer out-of-pocket surprises, Plan G has become a go-to for Florida’s Medicare beneficiaries.

Why is Plan G So Popular in Florida?

Comprehensive coverage: Plan G covers nearly everything—hospital deductibles, coinsurance, and most out-of-pocket costs—except for the Medicare Part B deductible.

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Steady growth: While Plan F used to be the most popular, it's no longer available to new Medicare enrollees as of 2020.

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Widespread popularity: About 40.7% of Medicare beneficiaries have opted for a Medigap plan in Florida.

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Is There a Medigap Plan That Covers Everything?

If you’re looking for the most comprehensive Medicare Supplement (Medigap) plan, the short answer used to be: Plan F. It was known as the plan that covers virtually everything. But there’s a catch—not everyone can get it anymore.

Plan F is only available to those who were eligible for Medicare before January 1, 2020. If you turned 65 after that, this plan is off the table.

Plan F covers:

• Medicare Part A coinsurance and hospital costs
• Medicare Part B coinsurance or copay
• First 3 pints of blood
• Part A hospice care coinsurance
• Skilled nursing facility care
• Medicare Part A deductible
• Medicare Part B deductible
• Part B excess charges
• Foreign travel emergency (up to plan limits)

Since Plan F closed its doors to newcomers, Plan G has taken the spotlight—and for good reason. It offers almost the same benefits as Plan F, except it does not cover the Medicare Part B deductible (which is $257 in 2025).

Plan G tends to have lower premiums than Plan F, and for many people, the savings outweigh the cost of paying the small Part B deductible out-of-pocket.

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Medigap in Florida by the Numbers

Florida has one of the highest numbers of Medigap enrollees in the country, with over 930,000 members.

There's a noticeable shift towards comprehensive plans like Plan G as Florida’s seniors are looking for policies that will prevent large medical bills.

Here are key insights from an AHIP study highlighting statistics about Medigap:

Medicare Supplement Plan Costs

Medigap Plan G

In 2025, the average monthly cost of Plan G in Florida ranges from $170 to $220.

But keep in mind that the monthly premium for Plan G can change based on several factors.

I've put together some info below to give you an idea of what Plan G premiums look like from different Medigap providers in various Florida counties:

Plan G Premiums by Provider:

• Cigna: $204.39 per month (Santa Rosa County)​
• Florida Blue: $234.10 per month (Duval County)
• ACE Insurance Company: $160.42 per month (Liberty County)​
• Allstate Health Solutions: $219.87 per month (Osceola County)​
• Mutual of Omaha (United World Health): $247.11 per month (Hillsborough County)​
• Aflac: $214.88 per month (Orange County)​

In summary: ‍

When comparing Medigap plan premiums across different providers and counties, ACE offers the lowest premium at 27.4% cheaper than Cigna, which has the next lowest rate.

Cigna is also 5% cheaper than Aflac and 7.5% cheaper than Allstate Health Solutions.

Cigna is 14.5% cheaper than Florida Blue, and it is 21% cheaper than Mutual of Omaha, the most expensive Plan G option on this list.

Factors Affecting Plan G Premiums:

Location: Premiums can vary depending on where you live. For instance, places like Santa Rosa offer lower rates, whereas urban spots like Duval and Orange counties usually have higher premiums.

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‍Gender: Women typically pay less than men for the same Medigap plan.

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‍Tobacco use: If you smoke, expect higher premiums, but there are discounts for non-smokers.

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Medigap Plan N

In 2025, the average monthly cost of Plan N in Florida ranges from $140 to $180.

Plan N Premiums by Provider:

• Cigna: $151.89 per month (Escambia County)
• ACE Insurance Company: $116.00 per month (Liberty County)​
• Aflac: $166.02 per month (Orange County)​
• Mutual of Omaha (United World Health): $180.18 per month (Hillsborough County)
• Allstate Health Solutions: $167.31 per month (Osceola County)
• Florida Blue: $192.90 per month (Duval County)

In summary:

ACE Insurance Company offers the lowest premium, being 31% cheaper than Cigna, which charges the next lowest rate.

Cigna is also 9.3% cheaper than Aflac and 10% cheaper than Allstate Health Solutions.

Cigna is 18.6% cheaper than Mutual of Omaha, and it is 27% cheaper than Florida Blue, the most expensive Plan N option on this list.

Plan N Copays:

• $20 for office visits.
• $50 for emergency room visits, unless admitted to the hospital.

Cost Summary by Company

Here's a side-by-side look at the two most popular Medigap plans and their premiums from several providers:

In summary:

When comparing Medigap plan premiums across different providers, Cigna offers the lowest rates for both Plan G and Plan N.

For Plan G, Cigna is 7% cheaper than ACE, which has the next lowest premium, and 8% cheaper than Allstate Health Solutions. Cigna is also 11% cheaper than Mutual of Omaha, 12% cheaper than Aflac, and 15% cheaper than Florida Blue.

For Plan N, Cigna is 6% cheaper than ACE, 9% cheaper than Mutual of Omaha, 9% cheaper than Aflac, 10% cheaper than Allstate Health Solutions, and 27% cheaper than Florida Blue.

High Deductible Plan G

Premiums for HD-G typically range between $50 and $90 per month, depending on the provider and location​.

High Deductible Plan G Premiums:

• Cigna: $70.37 per month (Sarasota County​).
• UnitedHealthcare: $52.44 (Escambia County).
• ACE:  $86.50 (Alachua County).

Lowest Premium for HD-G in Florida:

• $52.44 per month, offered by UHC in Escambia County​.

What if I Can’t Afford a Medigap Plan?

Medigap plans like Plan G or Plan F offer great coverage, but the monthly premiums can be a bit hard to manage, especially if you’re on a fixed income. The good news is that there are still options out there that give you a good mix of affordability and protection.

High-Deductible Plan G offers the same benefits as regular Plan G but with a $2,870 deductible and much lower premiums—ideal for healthy individuals comfortable with covering smaller expenses upfront.

If that’s still too costly, consider Medicare Advantage (Part C) with $0 or low premiums and extra benefits like dental and vision. Just remember, it comes with trade-offs like copays, prior authorizations, network restrictions, and potential high out-of-pocket costs

Medicare Advantage can work—but it's important to understand that it's a pay-as-you-go model with more restrictions.

Which Medicare Supplement Plan Is Right for You?

Here’s a breakdown of which plan might be best for you, based on some specific scenarios.

Plan G: Best for Comprehensive Coverage

Who Should Choose Plan G?

• Frequent healthcare users: If you expect to visit the doctor regularly, require specialized care, or have a chronic condition that demands frequent treatment, Plan G offers the most comprehensive coverage. It covers all Medicare-related out-of-pocket expenses except the annual Medicare Part B deductible. Once the deductible is met, you won’t have to worry about copays, coinsurance, or excess charges.
• Travelers: Plan G also includes coverage for foreign travel emergencies, making it an excellent choice for those who travel internationally.
• Predictability seekers: If you prefer a predictable healthcare experience with minimal out-of-pocket costs after the deductible, Plan G is right for you.

Scenario: You’re a 68-year-old who visits multiple specialists throughout the year. You also enjoy international travel. Plan G would be the ideal choice because it covers most of your healthcare expenses after the Part B deductible, including your foreign travel emergency costs.

Plan N: Best for Low Premiums and Healthy Individuals

Who Should Choose Plan N?

• Healthy individuals: If you’re generally healthy and only expect to visit the doctor for occasional checkups or routine care, Plan N offers a lower premium in exchange for small copayments for office and emergency room visits.
• Those who rarely see specialists: Since Plan N doesn’t cover Part B excess charges, it’s ideal for beneficiaries who use doctors that accept Medicare’s payment in full (known as “Medicare assignment”) or those who don’t see specialists frequently.

Scenario: You’re a 67 year-old who sees your primary care doctor for annual wellness visits but rarely requires specialist care. You live on a fixed income and want a plan with lower monthly premiums while being prepared to pay occasional copays. Plan N is an affordable option with manageable out-of-pocket costs when you do seek care.

High Deductible Plan G: Best for Low Healthcare Utilizers

Who Should Choose High Deductible Plan G?

• Healthy, budget-conscious beneficiaries: If you’re in good health, visit the doctor rarely, and want to keep your monthly premiums as low as possible, High Deductible Plan G (HD-G) might be your best choice. With HD-G, you’ll pay for Medicare-covered costs (coinsurance, copayments, deductibles) up to a high annual deductible of $2,800 in 2025. After you reach the deductible, the plan covers 100% of eligible expenses, just like regular Plan G.
• Risk-takers with low healthcare costs: This plan is a good fit if you don’t mind assuming more risk in exchange for lower premiums, as you will be responsible for more upfront costs if you require medical care.

Scenario: You’re a 65-year-old in excellent health, who sees the doctor once or twice a year for preventive care. You want to save money on monthly premiums but have the safety net of coverage in case of a major medical event. HD-G allows you to keep your costs down, knowing you’ll only pay more if unexpected healthcare needs arise.

Bottom Line

I highly recommend enrolling in a Medigap plan, especially Medigap Plan G, if it fits within your budget.

Take some time to shop around and compare rates from different providers to see which plan matches your healthcare needs and financial situation.

Speaking with a licensed Medicare insurance agent can really help you make a smart choice. Feel free to give us a call - we're here to help!

Sources: Medicare.gov | AHIP