Medicare Supplement Plan G in Florida: Cost & Coverage

Private insurance companies offer Medicare Supplement Plan G, often referred to as Medigap Plan G. This plan is designed to help cover out-of-pocket medical expenses not covered by Original Medicare, including both Part A (hospital insurance) and Part B (medical insurance).

Plan G is a popular choice among Florida Medicare beneficiaries as it covers a wide range of costs, except the Medicare Part B deductible.

Key Takeaways:

Medigap Plan G helps cover out-of-pocket costs such as deductibles, copayments and coinsurance.

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The top Plan G providers in Florida are Florida Blue and Mutual of Omaha.

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Premiums for Plan G in Florida range from $225 to $395 per month on average.

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Let's start with an overview of Medicare Supplement Plan G in Florida.

How Does Medigap Plan G Work?

Medicare Supplement Plan G is one of the most comprehensive Medigap plans available, offering extensive coverage for out-of-pocket expenses that Original Medicare doesn’t cover.

If you’re considering Plan G, it’s essential to understand its benefits, what it doesn’t cover, and whether it’s the right fit for your healthcare needs.

What Does Medigap Plan G Cover?

Medigap Plan G helps fill the "gaps" in Original Medicare (Parts A and B) by covering certain out-of-pocket expenses, including:

Medicare Part A (Hospital) Costs

• Hospital Deductible – Covers the full Part A deductible ($1,676 per benefit period in 2025).
• Coinsurance for Hospital Stays – Covers the daily coinsurance costs for hospital stays beyond 60 days.
• Hospice Care Coinsurance – Covers the 5% coinsurance for hospice services.
• Skilled Nursing Facility Coinsurance – Covers the daily coinsurance after the 20-day Medicare-covered period.

Medicare Part B (Medical) Costs

• Coinsurance & Copayments – Covers the standard 20% coinsurance for doctor visits, outpatient care, and other Part B services.
• Excess Charges – Covers the 15% extra that some doctors charge above Medicare-approved amounts.

Foreign Travel Emergency Coverage

• Covers 80% of the costs for emergency medical care outside the U.S. (up to plan limits).

What Does Medigap Plan G NOT Cover?

Despite its broad coverage, Medigap Plan G does not cover:

Medicare Part B Deductible

• In 2025, this deductible is $257. Plan G does not cover it, meaning you must pay this amount before Medicare starts covering your medical expenses.

Prescription Drugs

• Medigap plans do not cover prescription medications. You’ll need a standalone Medicare Part D plan to get drug coverage.

Routine Dental, Vision, and Hearing Services

• Plan G does not cover dental cleanings, eye exams, hearing aids, or routine care. Separate insurance or discount programs may be necessary for these services.

Long-Term Care (Custodial Care)

• If you need assisted living or nursing home care beyond what Medicare covers, Plan G will not help pay for it.

Private-Duty Nursing or Non-Medical Home Care

• Medicare and Medigap do not cover personal home care services, like help with bathing, dressing, or meal preparation.

Best Plan G Providers in Florida

We have only considered financially stable and reputable Medigap providers in Florida to determine the best options.

Our research indicates that newer, lesser-known insurance companies don't always offer lower rates and may raise prices more often. This is why we partner exclusively with the most established providers, known for fair premiums and solid longevity in the Medicare industry.

How Much Does Medigap Plan G Cost?

Medigap Plan G premiums in Florida usually range from $150 to $395 monthly.

Below is a summary of average premiums for Plan G across various ages and locations in Florida:

In Florida, Medigap Plan G premiums range from $169 to $300+ per month, offering standardized coverage regardless of the insurer.

Rates vary based on factors like age, location, and tobacco use. Competitive providers include Florida Blue (Plan G: $214–$275/month) and Mutual of Omaha (Plan G: $203–$252/month).

To find the best option out there, be sure to compare quotes and consult an insurance agent familiar with the Florida market.

Is Medigap Plan G Right for You?

Plan G is ideal for those who:

• Want near-complete coverage for Medicare out-of-pocket costs.
• Want protection from Part B excess charges (which Plan N does not cover).
• Don’t mind paying the small annual Part B deductible in exchange for lower premiums than Plan F.
• Travel internationally and need some emergency coverage abroad.

Who Might Consider Alternatives?

• If you prefer a lower premium with some cost-sharing, Plan N may be a better choice.
• If you want drug coverage included, you might consider a Medicare Advantage plan instead.
• If you don’t mind paying higher premiums for zero deductible, Plan F (if eligible) could be an option.

Medigap Plan G is one of the most popular Medicare Supplement plans because it covers almost all Medicare out-of-pocket expenses—except the Part B deductible. It provides financial security for hospital and medical costs, making it a solid choice for those seeking predictable healthcare costs.

Need Help Choosing the Right Medigap Plan?
If you're unsure whether Plan G is right for you, reach out to one of our licensed Medicare agents who can guide you through your options and find the best plan for your needs.

How to Enroll in Medicare Supplement Plan G

To enroll in Medicare Supplement Plan G in Florida, you must first be enrolled in Original Medicare Parts A and B. You can then apply for a Medigap policy through a private insurance company that sells these plans in your area.

It is wise to compare insurance quotes from several companies as different premiums may be charged for the same plan.

While you can apply for Plan G at any time after you enroll in Original Medicare, the best time to apply is your six-month Medigap Open Enrollment Period, which begins the month you turn 65 and enroll in Part B.

During this time, you have guaranteed issue rights, meaning that insurance companies cannot deny you coverage or charge you higher premiums, even if you have pre-existing health conditions.

Is There an Alternative to Plan G?

Medigap Plan N is a cost-effective option compared to Plan G. On average, the monthly cost of Plan N ranges between $200 and $300.

While it provides similar benefits as Plan G, its monthly premiums are lower. However, it does not cover the Part B deductible and excess charges.

Additionally, you will be required to pay a $20 copayment for doctor visits and $50 for emergency room visits.

How Popular Is Medigap Plan G?

The State of Medicare Supplement Coverage report compiled by America's Health Insurance Plans (AHIP) revealed that in 2022, over 900,000 Florida residents were enrolled in a Medicare Supplement plan. Plan G was a popular choice among these plans, with 88,647 enrollees.

Plan F held the majority share with 60% enrollment; however, it is no longer available to new Medicare enrollees. Plan G is an excellent alternative for those seeking similar coverage to Plan F.

Medigap Plan G vs. Medicare Advantage

When looking at Medicare coverage options in Florida, two main choices stand out: Medigap Plan G and Medicare Advantage. Both have their own perks and downsides, but for a lot of people, Medigap Plan G tends to offer better flexibility and more complete coverage.

Medigap Plan G is supplemental insurance that helps cover out-of-pocket costs like deductibles, copayments, and coinsurance alongside Original Medicare (Parts A and B). It lets beneficiaries visit any Medicare-accepting provider nationwide without referrals or prior authorizations.

The main out-of-pocket cost for Plan G is the Medicare Part B deductible, which is $257 in 2025.

In contrast, Medicare Advantage (Part C) plans are offered by private insurers and combine Parts A and B, often including additional benefits like dental, vision, and hearing coverage.

However, these plans typically operate within provider networks, requiring beneficiaries to use in-network doctors and facilities, and often necessitate referrals for specialist care.

While some Medicare Advantage plans have low or even $0 monthly premiums, they may involve higher out-of-pocket costs during medical events, with maximum out-of-pocket limits ranging from $4,000 to $9,350 per year.​

Enrollment statistics in Florida according to the Kaiser Family Foundation:

• Medicare Advantage: As of 2024, approximately 54% of Medicare beneficiaries in Florida are enrolled in Medicare Advantage plans. ​
• Medigap: While specific state-level data is limited, nationally, about 39% of Medigap policyholders are enrolled in Plan G, making it the most popular Medigap option.

Medigap Plan G offers provider freedom, predictable costs after the annual Part B deductible, and comprehensive coverage for hospital stays, skilled nursing, and even foreign travel emergencies.

While it offers flexibility, beneficiaries should consider Plan G's higher premiums and the need for separate prescription drug coverage through Medicare Part D.

Medicare Advantage plans may appeal to some due to their additional benefits and lower upfront costs but Medigap Plan G offers unparalleled flexibility, comprehensive coverage, and predictable expenses, making it a preferable choice for many Medicare beneficiaries in Florida seeking robust and reliable healthcare coverage.​

Bottom Line

If you became eligible for Medicare on or after January 1, 2020, Plan G is the most comprehensive Medigap plan available. By enrolling in Plan G, you can reduce your out-of-pocket expenses associated with Original Medicare (Part A and Part B).

Many insurance providers offer Plan G, but it is important to compare quotes from different companies, as premiums for the same plan may vary.