Medicare Supplement (Medigap) Plans
Fill the gaps in Original Medicare with comprehensive coverage you can count on
Medicare Supplement Insurance (also called Medigap) helps pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. These standardized plans work alongside Original Medicare to provide predictable costs and nationwide coverage.
Standardized Medigap Plans Comparison
| Benefit | Plan A | Plan B | Plan C* | Plan D | Plan F* | Plan G | Plan K | Plan L | Plan M | Plan N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance and hospital costs | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B coinsurance/copayment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓** |
| Blood (first 3 pints) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A deductible | — | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ |
| Part B deductible | — | — | ✓ | — | ✓ | — | — | — | — | — |
| Skilled nursing facility coinsurance | — | — | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Foreign travel emergency | — | — | ✓ | ✓ | ✓ | ✓ | — | — | ✓ | ✓ |
*Plans C and F are only available to people who were eligible for Medicare before January 1, 2020.
**Plan N requires copayments for some doctor visits and emergency room visits.
Most Popular Medigap Plans in Florida
Plan G
Most comprehensive coverage available to new Medicare beneficiaries
- Covers Part A deductible
- 100% of Part B coinsurance
- Foreign travel emergency coverage
- Skilled nursing facility coinsurance
Plan N
Great value option with low premiums and minimal copays
- Covers Part A deductible
- Lower monthly premiums
- Small copays for doctor visits
- Foreign travel emergency coverage
High-Deductible Plan G
Lower premiums with higher deductible for budget-conscious seniors
- Lowest monthly premiums
- Annual deductible ($2,800 in 2025)
- Same benefits as Plan G after deductible
- Great for healthy seniors
When Can You Enroll?
Open Enrollment Period
6 months starting when you're both 65+ and enrolled in Medicare Part B. Guaranteed acceptance regardless of health.
Guaranteed Issue Rights
Special situations that allow you to buy a Medigap policy without medical underwriting, even outside your open enrollment period.
Year-Round Enrollment
You can apply anytime, but may need to answer health questions if outside your open enrollment period or guaranteed issue rights.
Important Timing
Don't wait! Delaying enrollment past your open enrollment period may result in higher premiums or coverage denial.
Why Choose Southwest FL Medicare for Your Medigap Plan?
18+ Years Experience
Since 2006, we've helped over 1,000 Southwest Florida seniors navigate Medicare Supplement options with confidence and clarity.
Local Southwest Florida Knowledge
We understand the unique healthcare landscape in Lee, Collier, Charlotte, and Sarasota counties - including local doctors and hospitals.
Multiple Carrier Options
We work with top-rated insurance companies to compare rates and find you the best Medigap plan for your budget and needs.
Personalized Service
No call centers or automated systems. You'll work directly with a licensed agent who takes time to understand your unique situation.
No Cost Consultation
Our services are completely free to you. We're paid by the insurance companies, so you get expert advice at no charge.
Bilingual Support
Servicio en español disponible. We help both English and Spanish-speaking families understand their Medicare Supplement options.
Key Benefits of Medicare Supplement Insurance
Predictable Costs
Know exactly what you'll pay each month. No surprises with deductibles, coinsurance, or copayments.
Nationwide Coverage
Travel anywhere in the US and see any doctor who accepts Medicare. No networks or referrals required.
Guaranteed Renewable
As long as you pay your premiums, your coverage cannot be cancelled due to health changes or claims.
Foreign Travel Coverage
Most plans include emergency coverage for foreign travel, perfect for snowbirds and world travelers.
Frequently Asked Questions
What's the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage replaces Original Medicare, while Medicare Supplement works alongside Original Medicare to help pay costs like deductibles and coinsurance. Supplement plans offer more flexibility with doctor choice and nationwide coverage.
Can I switch Medigap plans later?
Yes, but you may need to answer health questions unless you have guaranteed issue rights. It's best to choose carefully during your initial open enrollment period when acceptance is guaranteed.
Do I need a referral to see specialists?
No! With Original Medicare plus a Supplement plan, you can see any doctor or specialist who accepts Medicare without referrals or network restrictions.
What about prescription drug coverage?
Medigap plans don't include prescription drug coverage. You'll need to enroll in a separate Medicare Part D plan for prescription coverage.
Ready to Find Your Perfect Medigap Plan?
Get personalized recommendations from a licensed agent who understands Southwest Florida's healthcare landscape. Compare rates from multiple top-rated insurance companies and find the plan that fits your budget and needs.
Get Your Free Medigap Quote Today