Step 1: Understand Your Health Situation
Start with an honest assessment of your health:
- Do you manage chronic conditions (diabetes, heart disease, COPD) that require regular specialist visits?
- How many times do you see a doctor in a typical year?
- Do you take medications that require infusions or outpatient procedures?
- Are you generally healthy with annual checkups as your main medical need?
If you're managing chronic conditions: Plan G's comprehensive coverage is worth the higher premium. If you're generally healthy: Plan N or High Deductible Plan G may save you thousands.
Step 2: Set Your Budget
Know what you can comfortably spend on monthly premiums. In Florida in 2026:
- Plan G: $120–$220/month
- Plan N: $80–$140/month
- High Deductible Plan G: $40–$70/month
Remember that the 'cheapest' monthly option isn't always cheapest overall. Factor in potential copays (Plan N) or deductibles (HDG). Ask yourself: could I comfortably handle a $2,870 out-of-pocket expense in a bad health year? If not, HDG may be too risky regardless of the premium savings.
Step 3: Check Your Doctors
Verify whether your current Florida doctors — or the doctors you plan to use — accept Medicare. If they do:
- You can use any Medigap plan freely
- Part B excess charges (relevant for Plan N) are not a concern with assignment-accepting providers
Go to medicare.gov/care-compare and confirm your preferred physicians, specialists, and hospitals accept Medicare. In Florida, most do — but it's worth verifying before you enroll.
Step 4: Get Quotes from Multiple Carriers
Since Medigap coverage is identical across all carriers for the same plan letter, the only reason to choose one carrier over another is price, rate history, and household discounts.
Get quotes from at least 5–10 Florida-approved carriers for your age and ZIP code. The spread can be surprising — sometimes $50–$80/month difference for identical Plan G coverage.
T65Navigator compares quotes from 20+ Florida carriers in one call. There's no cost, no obligation, and no pressure. Just the information you need to make the right choice.