Plan G, Plan N, High Deductible G, and Plan F — side by side. Coverage is standardized by federal law. The only difference is premium.
Get Personalized Quotes →All plans are standardized — identical coverage regardless of which carrier you choose.
| Coverage Benefit | Plan G ⭐ | Plan N | HDG | Plan F* |
|---|---|---|---|---|
| Monthly Premium (FL avg) | $120–$220 | $80–$140 | $40–$70 | $150–$280 |
| Part A deductible ($1,676) | ✓ Covered | ✓ Covered | ✓ After deductible | ✓ Covered |
| Part A coinsurance/hospital | ✓ Covered | ✓ Covered | ✓ After deductible | ✓ Covered |
| Part B deductible ($257) | You pay $257 | You pay $257 | Counts toward deductible | ✓ Covered |
| Part B coinsurance (20%) | ✓ 100% covered | ✓ w/ copays | ✓ After deductible | ✓ 100% covered |
| Part B excess charges | ✓ 100% covered | ✗ Not covered | ✓ After deductible | ✓ 100% covered |
| Skilled nursing facility | ✓ Covered | ✓ Covered | ✓ After deductible | ✓ Covered |
| First 3 pints of blood | ✓ Covered | ✓ Covered | ✓ After deductible | ✓ Covered |
| Foreign travel emergency | ✓ 80% | ✓ 80% | ✓ 80% after deductible | ✓ 80% |
| Max annual out-of-pocket | $257 | $257 + copays | $2,870 deductible | $0 |
| Available to new enrollees | ✓ Yes | ✓ Yes | ✓ Yes | Pre-2020 only |
*Plan F only available to those eligible for Medicare before January 1, 2020
Most Popular — Best Overall Value
Plan G is the gold standard for Florida Medigap. After paying the $257 Part B annual deductible, you have virtually no out-of-pocket exposure for Medicare-covered services. Premiums run $120–$220/month depending on your age, ZIP code, and carrier.
Get Plan G Quotes →Budget-Friendly — Lower Premium, Small Copays
Plan N saves you $40–$60/month compared to Plan G. You pay small copays ($20 office visits, $50 ER) and are not covered for Part B excess charges. For healthy individuals who see doctors infrequently, Plan N often wins on total cost.
Get Plan N Quotes →Lowest Premium — Same Coverage After Deductible
HDG offers Plan G's full coverage at a dramatically lower premium. You pay out-of-pocket until you hit $2,870/year — then Plan G kicks in for everything. Great for healthy individuals who want catastrophic protection at minimal monthly cost.
Get High Deductible Plan G Quotes →Most Comprehensive — Grandfathered Only
Plan F covers everything — including the $257 Part B deductible. It is no longer available to people new to Medicare as of Jan 1, 2020. If you were eligible before 2020, you can still purchase Plan F. Expect to pay the highest premiums.
Get Plan F Quotes →Our licensed Florida specialists walk through your health situation and budget, then present real quotes from 20+ carriers. Free, no pressure.
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