2026 Florida Enrollment Active
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Compare 2026 Medicare Supplement Plans
Don't overpay for your coverage. Compare Plan F, G, and N from top-rated carriers and find the lowest rates in your area for the 2026 plan year.
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Florida Medicare Supplement Experts
Stop overpaying for Medigap. We compare 20+ top-rated carriers to find your lowest 2026 rate—at zero cost to you.
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2026 Medicare Brief
Part B Premium
$202.90
Part B Deductible
$283.00
Top Plan Selection
Plan G
The Benefits of Medigap in 2026
See Any Doctor:
Visit any provider in the U.S. that accepts Medicare—no networks or referrals required.
Standardized Benefits:
A Plan G with one carrier has the exact same medical benefits as Plan G with another.
Stable Costs:
Shield yourself from the 2026 Part B deductible and unpredictable hospital co-insurance.
2026 Medigap Plan Comparison
Compare the most popular Medicare Supplement plans available for the 2026 plan year. All medical benefits are standardized, meaning your coverage remains the same regardless of which insurance carrier you choose.
Plan F
The "Everything" Plan
Part A Deductible
100% Covered
Part B Deductible
100% Covered
Part B Excess Charge
100% Covered
Doctor Copays
$0
Eligibility
Pre-2020 Only
Plan G
Top Choice for New Enrollees
Part A Deductible
100% Covered
Part B Deductible
You Pay
Part B Excess Charge
100% Covered
Doctor Copays
$0
Overall Value
Most Comprehensive
Plan N
Lower Premium Option
Part A Deductible
100% Covered
Part B Deductible
You Pay
Add a Title
You Pay
Doctor Copays
Up to $20/visit
ER Copays
Up to $50
2026 Deductibles & Out-of-Pocket
Choosing the right plan depends on understanding these key 2026 Medicare figures. Here is what you can expect to pay out-of-pocket before your supplement coverage fully kicks in.
Medicare Part B Deductible
$283
Annual amount
For 2026, the Part B deductible is $283. This is the amount you pay for outpatient services (doctor visits, tests) before Medicare begins to pay its share.
• Plan F: Covers this 100%.
• Plan G & N: You pay this amount once per year.
High-Deductible Plans (F & G)
$2,950
Annual Deductible
High-deductible versions of Plans F and G offer much lower monthly premiums. In 2026, you must pay $2,950 in out-of-pocket expenses before the plan begins paying 100%.
*Plan F High-Deductible is only for those eligible before 2020.
Plan N Copayment Structure
$20 / $50
Per Visit
Plan N saves you money on premiums but requires small copays for specific services after you meet your Part B deductible:
• Office Visits: Up to $20 per visit.
• ER Visits: Up to $50 (waived if admitted).
• Excess Charges: Plan N does not cover Part B excess charges.
Ready to Compare Rates?
Prices vary by carrier even for identical plans. Get a custom quote today.
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How to Save on Your 2026 Premiums
Medicare benefits are standardized, but monthly premiums are not. These proven strategies can significantly reduce what you pay over time.
Household Discounts
Many carriers offer 5–12% discounts when two household members enroll with the same carrier and share an address.
Gym & Wellness Benefits
Most Plan G and Plan N
policies include gym
and wellness programs
providing fitness access
at no added cost.
Dental & Vision Bundles
Because supplements exclude routine dental and vision care, many carriers offer bundled options that cost less overall.
Annual & EFT Savings
Paying annually or using electronic bank draft can reduce processing fees and help lower your monthly premium costs.
Frequently Asked Questions for 2026
Understanding how your supplement interacts with new 2026 Medicare rules is key to maximizing your benefits.
Can I see any doctor with these plans in 2026?
Yes. Medigap plans do not have provider networks. You can visit any doctor or specialist in the U.S. who accepts Medicare. In 2026, over 98% of non-pediatric physicians nationwide accept Original Medicare.
How does the 2026 Part D "Drug Cap" affect me?
While Supplements don't cover drugs, all Medicare beneficiaries now benefit from a $2,100 annual out-of-pocket cap on prescription drugs for 2026. This makes pairing a Medigap plan with a Standalone Part D plan more affordable than ever.
What are Part B "Excess Charges" in Plan N?
An excess charge occurs if a doctor charges more than the Medicare-approved amount (up to 15% extra). While 96% of doctors "accept assignment" and don't charge this, Plan G covers it 100% just in case, while Plan N does not.
Does my coverage work if I travel in 2026?
Plans F, G, and N all include Foreign Travel Emergency coverage. They pay 80% of billed charges for emergency care outside the U.S. (after a $250 deductible) during the first 60 days of your trip.
50% Off
Compliance & Disclosures
Official Medicare Plan disclosures and data privacy information.
Medicare Plan Disclosure: We do not offer every plan available in your area. Currently, we represent multiple insurance organizations that offer a variety of Medicare-related products. To review all of your Medicare options, please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP).
Privacy and Data Use
Any information you provide is used only to respond to your request. Your data is never sold, and written consent is required before it is shared for marketing purposes.
Licensing & Overnsight
Licensed Florida Insurance Agent regulated by the Florida Department of Financial Services (FLDFS). You may verify license status through the official state license search.
Enrollment Security
We use secure electronic Scope of Appointment (SOA) tools for Medicare discussions. Enrollment follows CMS guidelines, with no obligation to enroll in any plan.