Medigap Plan G vs. Medicare Advantage Plans in Florida

Do I choose Medigap Plan G or Medicare Advantage?

After years of helping overwhelmed people navigate this decision, I can confidently say that Medigap Plan G is the better choice compared to a Medicare Advantage plan.

A lot of people in Florida are drawn to Medicare Advantage because of its extra benefits and lower premiums. But if you value flexibility and comprehensive coverage, Plan G wins.

So, let’s break it all down in this article and get a better understanding of why Plan G is my top choice.

I'll review:

• A coverage/benefits comparison
• A copay comparison
• Member satisfaction
• Why Plan G is my #1 pick

We'll start off with looking closely at the differences in coverage between the two plans.

Medigap Plan G vs. Medicare Advantage in Florida: Coverage Comparison

One of the great things about being covered by a Medigap plan is it doesn't require prior authorizations. Plus, you can pick any healthcare provider in across the entire US who accepts Original Medicare; no referrals are needed.

Here is a more detailed look at the main coverage differences between Medigap Plan G and Medicare Advantage plans in Florida:

Medigap Plan G vs. Medicare Advantage in Florida: Copay Comparison

With Medigap Plan G, you won't have to pay any copays when you visit a doctor or specialist. After you meet the Part B deductible once a year, all costs are covered at 100%.

This is very different from a Medicare Advantage plan, where copayments are required for each visit.

Here's a breakdown of exactly what that looks like:

Medicare Advantage Plans: Member Satisfaction

Are Medicare Advantage plan members happy?

Not in my experience.

One of the biggest complaints I hear about Medicare Advantage plans is the restricted provider networks. These plans often operate like HMOs or PPOs, which means you’re required to see in-network providers or face higher costs for out-of-network care.

Additionally, while Medicare Advantage plans offer lower premiums, the trade-off is often higher out-of-pocket costs for those who need regular or complex medical care. You may face copays, coinsurance, and deductibles that can add up quickly, particularly for unexpected health issues.

Another frustration with Medicare Advantage is that plan benefits can change annually. This means the doctors in your network, your coverage limits, and even the costs associated with your plan can fluctuate each year. I’ve seen many people struggle with these unexpected changes.

Why Medigap Plan G Is My Top Pick in Florida

#1. No prior authorizations

Medigap Plan G doesn’t require prior authorizations. Prior authorizations always equal delayed care.

‍Here's a real-life scenario:

You're in the hospital with chest pain, and the medical team is working to diagnose the issue. With a Medicare Advantage plan, the doctor's orders for tests might be denied or require prior authorization, potentially causing delays of hours or even days while waiting for insurance approval.

Medigap Plan G operates differently. Original Medicare serves as the primary payer, with the Medigap plan acting as secondary, resulting in no delays.

#2. Predictable costs

Plan G offers predictable costs. Once you’ve met the Medicare Part B deductible ($257 in 2025), Plan G covers virtually all your medical expenses—no surprise copays or unexpected bills. Everything from hospital stays to outpatient services is covered.

#3. Network freedom

One of the greatest benefits of Medigap Plan G is the freedom it gives you when choosing healthcare providers. With Plan G, you can see any doctor or specialist who accepts Medicare, anywhere in the United States.

#4. Long-term satisfaction

Over the years, I’ve seen many people switch from Medicare Advantage to Medigap, and the reason is often dissatisfaction with network limitations and unexpected out-of-pocket costs.

While Medicare Advantage plans may initially attract you with extra perks like dental or vision coverage, these plans can become a hassle when it comes to receiving the care you actually need.

With Medigap Plan G, there’s no guesswork involved. You get comprehensive coverage and peace of mind knowing your healthcare costs will remain stable.

Most people who switch to Plan G are far happier with their choice in the long run.

Bottom Line

I would 100% recommend Medigap Plan G to anyone in Florida.

Yes, the premiums may be higher than Medicare Advantage, but the long-term benefits—like not being tied to a network or prior authorizations, and avoiding surprise medical bills—make it a worthwhile investment.

If you’re exploring your Medicare options, I’m happy to help you compare plans and providers to make sure you find the best fit for your needs and budget.

Sources: Kaiser Family Foundation | Medicare.gov