Florida Medicare Supplement — Plan G, Plan N, every carrier.
Core 4 is Florida's independent Medicare Supplement (Medigap) broker. We compare Plan G, Plan N, and Plan F quotes from every major Florida Medigap carrier — no network restrictions, no referrals, use any doctor that accepts Medicare. Part D prescription drug plans and dental/vision/hearing options reviewed in the same call. Disponible en español.
Florida has more Medicare beneficiaries than any other state. Almost all of them are over-paying.
Every Medigap Plan G is the same. Every Plan N is the same. The only thing that changes between carriers is the price — and the difference can be $500 to $1,500+ per year for identical coverage.
Florida is home to roughly 5 million Medicare beneficiaries — the largest Medicare population of any state in the country. Medigap marketing in Florida is relentless: TV, mail, phone, door-knockers, trade shows, free-seminar lunches. Most of it comes from captive agents who can only sell the products of one carrier. The result is that most Florida Medicare enrollees end up on a plan chosen by whichever agent reached them first — not the plan that fits their situation or costs them the least.
Core 4 is different. Core 4 is a licensed independent Medicare broker in Florida, appointed with every major Medigap carrier that writes in the state. We quote Plan G, Plan N, Plan F (for those grandfathered), and high-deductible Plan G side by side from every carrier, then recommend the one that fits the client's budget and priorities. Because Medigap plans are standardized by letter — meaning Plan G from any Florida carrier provides identical benefits — shopping is mostly a price exercise. That's exactly where independent brokerage pays off the most.
The other piece Core 4 handles is the Part D prescription drug plan. Medigap plans don't cover prescriptions. Part D does, but the best Part D plan for one person may be the worst for another — it depends on the specific medications on the client's current list. Core 4 runs the client's drug list through every Florida Part D plan and finds the combination of Medigap + Part D that produces the lowest total annual cost. The whole process takes about 30 minutes and costs nothing.
Parts A, B, C, D — plus Medigap. Here's what each one actually does.
Medicare's alphabet soup is the number-one source of confusion for turning-65 Floridians. Here's the honest breakdown, plus the Florida-specific plan letters that matter.
Hospital Coverage
Inpatient hospital stays, skilled nursing, hospice, some home health. Usually premium-free for anyone with 40+ quarters of work history. Has an annual deductible ($1,632 in 2024) per benefit period.
Medical Coverage
Doctor visits, outpatient care, preventive care, durable medical equipment. Has a monthly premium ($174.70 standard in 2024) deducted from Social Security, annual deductible ($240), and 20% coinsurance on most services.
Medicare Advantage
A private-insurance alternative that replaces Parts A and B. Usually includes Part D and sometimes dental/vision. Almost always network-based (HMO/PPO). Lower premiums but higher copays and referrals.
Prescription Drug Coverage
Private Part D prescription drug plans cover medications. Monthly premium varies ($8–$90/mo in Florida) based on formulary and tier structure. The "right" plan depends entirely on the client's specific drug list.
Medigap Plan G
Most comprehensive Medigap plan available to new enrollees. Covers everything except the annual Part B deductible ($240). Typical Florida premium: $140–$240/mo at 65. No networks — see any doctor that accepts Medicare.
Medigap Plan N
Lower premium alternative to Plan G. Same hospital and skilled nursing coverage, but with small copays (up to $20 office visit, $50 ER) and does not cover Part B excess charges. Typical FL premium: $100–$180/mo at 65.
Medigap Plan F
Historically the most popular plan — covers 100% of gaps including the Part B deductible. No longer available to new enrollees whose Medicare began on or after January 1, 2020. Current enrollees can keep their Plan F.
High-Deductible Plan G
Same benefits as Plan G, but with a $2,800 annual deductible (2024). Dramatically lower premium — often $40–$70/mo. Makes sense for healthy Floridians who want catastrophic protection at minimum monthly cost.
Nationwide Provider Access
Florida Medigap plans have NO provider networks. See any doctor, specialist, or hospital in the U.S. that accepts Medicare. Especially important for FL snowbirds and anyone who travels — Medigap works the same in every state.
Plan G vs Plan N: the honest comparison for Florida
Plan G is the most-recommended Medigap plan for new Florida enrollees in 2024. After the client pays the annual Part B deductible (~$240), Plan G pays 100% of everything else Medicare-approved — hospital stays, doctor visits, outpatient surgery, emergency care, foreign travel emergencies. No copays at the provider, no surprises. The trade-off is the highest premium of the post-2020 plans.
Plan N is the lower-premium alternative. Same core benefits as Plan G, but with small at-the-point-of-care copays: up to $20 at office visits and up to $50 at the ER (waived if admitted). Plan N also does not cover Part B excess charges — the additional 15% some providers can legally charge above the Medicare-approved amount. Most Florida providers accept Medicare assignment (meaning no excess charges), so in practice Plan N works the same as Plan G for most enrollees. The monthly savings can be $40–$80 compared to Plan G — meaningful over a 10+ year horizon.
Core 4 models both on every Florida Medicare Supplement quote, using the client's expected healthcare use, and recommends the plan that fits.
Turning 65 in Florida? Your one-time Open Enrollment window matters.
The 6-month window that starts the month Part B begins is the only time Florida Medigap carriers can't underwrite health conditions. Miss it and options narrow fast.
Seven ways Florida Medicare beneficiaries lower their premium — without losing coverage.
Because Medigap plans are standardized, every Plan G covers the same thing. The differences are all in price, household discounts, and carrier financial strength.
Compare every Florida Medigap carrier — they're all identical coverage
Plan G from Mutual of Omaha, Cigna, Aetna, UnitedHealthcare, Humana, and Blue Cross Blue Shield Florida pay the exact same benefits. The premium for the same 65-year-old can vary $600–$1,200 per year between them. Shop all of them.
Ask about household / spousal discounts
Most Florida Medigap carriers offer 5–12% household discounts when both spouses enroll together, or when any second adult (sibling, partner) lives in the home. Not always advertised — Core 4 applies them by default.
Consider high-deductible Plan G for healthy enrollees
HD Plan G has a $2,800 annual deductible but a dramatically lower premium — often saving $1,000+/year. For Florida retirees who rarely use healthcare, the math usually works out.
Plan N instead of Plan G if providers accept Medicare assignment
Plan N saves $40–$80/month over Plan G. The only difference most clients experience is a $20 copay at office visits. If your Florida providers accept Medicare assignment (nearly all do), Plan N is usually the smarter math.
Re-shop the Part D prescription plan every year
Part D formularies, premiums, and tiers change every January. The plan that was cheapest last year may be the most expensive this year. Core 4 re-runs clients' drug lists against every Florida Part D plan during Annual Enrollment (Oct 15–Dec 7).
Don't pay for dental/vision/hearing you don't need
Medicare Advantage plans market "free" dental/vision/hearing benefits, but those come with network restrictions. For many Florida retirees a standalone DVH plan at $30–$50/mo alongside Medigap is cheaper and gives total provider freedom.
Watch for guaranteed-issue triggers
Losing employer group coverage, a Medicare Advantage plan leaving the service area, and the 12-month "trial right" after switching to MA all create guaranteed-issue windows in Florida. Core 4 checks eligibility on every client annually.
Use a Florida-licensed broker, not a call-center
Medigap premiums are regulated — a broker can't sell you the same plan for a different price. But a broker can find the carrier that rates your profile lowest and spot discounts single-carrier agents can't offer. Core 4 works at no cost to the client.
Part D, dental, snowbirds, turning 65 — every Medicare situation, one broker.
Medigap is the foundation. These are the pieces that surround it — and Core 4 handles them in the same conversation.
Turning 65 in Florida
Three months before the 65th birthday is the right time to start. Core 4 walks Florida clients through Part A/B enrollment with Social Security, the 6-month Medigap Open Enrollment window, Part D selection, and dental/vision/hearing options — at no cost.
Get a turning-65 quote →Florida Medicare Part D Prescription Drug Plans
Every Medicare enrollee needs a Part D plan separate from Medigap. Core 4 runs the client's current medication list through every Florida Part D plan to find the lowest total cost — premium plus deductible plus copays for the specific drugs.
Quote Part D →Dental, Vision & Hearing for Florida Seniors
Original Medicare and Medigap don't cover dental, vision, or hearing. Standalone DVH plans at $30–$70/month alongside Medigap often beat Medicare Advantage "free" benefits because they have no network restrictions.
Quote DVH →Florida Snowbird Medicare Coverage
Florida residents who travel north for summer (or south for winter) need Medicare coverage that works everywhere. Medigap wins here — no networks, works identically in any state. Medicare Advantage often doesn't.
Snowbird Medicare →Switching from Medicare Advantage to Medigap
Many Florida retirees start on Medicare Advantage, then want to switch to Medigap for network freedom. Core 4 handles the switch during the 12-month trial right (guaranteed issue) or Annual Enrollment, and explains the underwriting rules for outside those windows.
Switch plans →Annual Florida Medicare Plan Review
During Annual Enrollment (Oct 15 – Dec 7) Core 4 reviews every client's Medigap premium, Part D drug list, and Medicare Advantage options — and recommends changes where they save money. Free, and no pressure.
Annual review →Florida Medicare Advantage Plans
For Florida residents who prefer Medicare Advantage over Medigap, Core 4 compares plans from Humana, Aetna, UnitedHealthcare, Cigna, Florida Blue, and WellCare — with transparent discussion of network restrictions, drug coverage, and extra benefits.
Quote Medicare Advantage →Bilingual Medicare Guidance in Spanish
Core 4 serves Florida's large Spanish-speaking Medicare population in every aspect of enrollment, plan selection, and annual review — entirely in Spanish. Documentation, cotizaciones, y firma de póliza disponibles en español.
Medicare en español →30-minute phone call. Every Florida Medigap carrier. Zero cost to you.
Independent brokers are compensated by the carriers, not the client. One free conversation could save $500 to $1,500 a year for identical coverage.
Florida Medicare Supplement, every city and retirement community.
From The Villages to Naples, Boca to Cape Coral, Core 4 writes Florida Medigap statewide — with bilingual service and same-day enrollment.
The most-asked questions about Medicare Supplement in Florida.
Straight answers, no sales script. Still have a question? Call (954) 420-1501 — bilingual, no hold time, no charge.
What is Medicare Supplement insurance in Florida?
Medicare Supplement insurance — commonly called Medigap — is private insurance sold in Florida that fills the gaps in Original Medicare (Parts A and B). It helps pay the deductibles, copays, and coinsurance that Medicare does not pay.
Florida Medigap plans are standardized by letter (Plan G, Plan N, Plan F for those grandfathered), meaning the same plan letter provides identical benefits from every Florida carrier — only the price and company change. Medigap is separate from Medicare Advantage (Part C), which replaces Original Medicare with a private plan.
What is the difference between Medicare Supplement and Medicare Advantage in Florida?
Medicare Supplement (Medigap) works alongside Original Medicare — the member keeps Medicare Parts A and B, and the Medigap plan pays their share of the gaps. Medigap plans have no provider networks — see any doctor or hospital in the U.S. that accepts Medicare.
Medicare Advantage (Part C) replaces Original Medicare with a private plan from a carrier like Humana, Aetna, or UnitedHealthcare. Medicare Advantage plans typically use networks (HMO or PPO), which can be a problem for Florida snowbirds who travel or split time between states.
What are the most popular Medicare Supplement plans in Florida?
The two most popular Florida Medicare Supplement plans are Plan G and Plan N. Plan G covers all gaps in Original Medicare except the annual Part B deductible ($240 for 2024) — it's the most comprehensive plan available to new Medicare enrollees. Plan N has a lower premium but includes small copays (up to $20 for office visits, $50 for ER) and does not cover Part B excess charges.
Plan F was the most popular plan historically, but it is no longer available to anyone whose Medicare eligibility began on or after January 1, 2020; current Plan F enrollees are grandfathered and can keep it.
When is the best time to enroll in Medicare Supplement in Florida?
The best time to enroll is during the Medicare Supplement Open Enrollment Period — a one-time, 6-month window that starts the month the enrollee is 65 or older AND first enrolled in Medicare Part B.
During this window, Florida Medigap carriers cannot deny coverage or charge more based on health conditions. After this window closes, carriers can medical-underwrite and decline applicants with pre-existing conditions. Core 4 strongly recommends enrolling during the Open Enrollment Period.
Can I change Medicare Supplement plans in Florida after 65?
Yes, but with limits. Florida does not have a birthday rule like California or Oregon, meaning Florida Medicare Supplement enrollees can apply to change plans at any time — but outside of guaranteed-issue situations, the new carrier can medically underwrite and decline or surcharge based on health history.
Guaranteed-issue rights apply in specific situations: losing employer group coverage, Medicare Advantage plan leaving the service area, the first 12 months after switching from Medigap to Medicare Advantage (trial right), and a few others. Core 4 checks every client's guaranteed-issue eligibility before applying.
How much does Medicare Supplement cost in Florida?
Florida Medicare Supplement premiums vary widely by plan letter, age, zip code, gender, tobacco use, and carrier. A Plan G in Florida typically runs $140 to $240 per month at age 65, rising with age. A Plan N typically runs $100 to $180 per month at age 65. High-deductible Plan G can run $40 to $70 per month.
Because every carrier's Plan G provides identical benefits, the only thing that varies between carriers is the price — which is why shopping every carrier with an independent broker like Core 4 often saves $500 to $1,500+ per year.
Do Florida Medicare Supplement plans cover prescription drugs?
No. Medicare Supplement (Medigap) plans do not cover prescription drugs. Florida enrollees who want drug coverage need a separate Medicare Part D prescription drug plan (PDP).
Core 4 quotes both Medigap and Part D together to find the combination that best covers the client's specific medications at the best total cost. Part D premiums in Florida typically run $8 to $90 per month depending on formulary, deductible, and drug list.
Are Medicare Supplement plans network-based in Florida?
No — and this is one of the biggest advantages over Medicare Advantage. Florida Medicare Supplement plans have no provider networks. Enrollees can see any doctor, specialist, or hospital in the United States that accepts Medicare, without needing a referral and without pre-authorization for most services.
This is especially important for Florida snowbirds, travelers, and anyone who wants provider flexibility — a Medigap plan works the same in Miami, Maine, or Montana.
What about dental, vision, and hearing coverage in Florida?
Original Medicare and Medicare Supplement plans do NOT cover routine dental, vision, or hearing care. Florida Medicare enrollees who want dental, vision, and hearing coverage have two options:
(1) A standalone dental/vision/hearing plan alongside Medigap (typical cost $30 to $70 per month), or (2) enrollment in a Medicare Advantage plan that bundles those benefits (but with network restrictions). Core 4 quotes both routes and explains the trade-offs.
When is Medicare Annual Enrollment in Florida?
The Medicare Annual Enrollment Period (AEP) runs October 15 through December 7 every year, with changes effective January 1 of the following year. AEP is primarily for Medicare Advantage (Part C) and Part D prescription drug plans.
Medicare Supplement (Medigap) plans can be changed at any time of year in Florida, subject to medical underwriting outside of guaranteed-issue situations. There's also a Medicare Advantage Open Enrollment Period from January 1 through March 31 for members who want to change MA plans or return to Original Medicare.
What if I'm turning 65 in Florida — what should I do first?
Three months before the 65th birthday, start the process. Enroll in Medicare Part A (hospital) — usually free — and Medicare Part B (medical) through the Social Security Administration.
Then, during the 6-month Open Enrollment Period that begins the month Part B takes effect, enroll in a Medicare Supplement plan and a Part D prescription drug plan. Core 4 walks Florida clients through the full turning-65 process at no cost, and handles the plan comparison, enrollment paperwork, and ongoing annual review. Call (954) 420-1501 to start.
¿Ofrecen Medicare Supplement en español en Florida?
Sí — todo el equipo de Core 4 es completamente bilingüe. Los residentes de Florida pueden obtener cotizaciones de Medicare Supplement (Medigap Plan G, Plan N, Plan F), planes de Medicare Part D para medicamentos, y coberturas dentales y visuales completamente en español.
Ayudamos con el proceso de cumplir 65 años, inscripción de Medicare, y revisión anual del plan. Llame al (954) 420-1501.
One free call. Every major FL Medigap carrier. Bilingual guidance.
No cost to compare. No pressure to switch. Independent Florida Medicare brokerage the way it should be — Plan G, Plan N, Part D, and annual review handled by one licensed broker.