Medicare Supplement Plan G has become the most popular Medigap plan among Medicare beneficiaries — and for good reason. It covers nearly everything Original Medicare doesn’t, leaving you with one predictable monthly premium and virtually zero surprise medical bills for the rest of the year. If you’re turning 65 or already on Medicare in Florida, here’s everything you need to know about Plan G.
What Plan G Covers in 2025
Plan G is a comprehensive Medigap policy that fills the gaps left by Original Medicare (Parts A and B). Here’s exactly what’s covered:
- Part A Hospital Coinsurance — Hospital costs up to 365 additional days after your Medicare benefits are exhausted
- Part B Coinsurance and Copayments — Doctor visits, outpatient procedures, and preventive services covered in full
- First 3 Pints of Blood — Blood transfusions during surgery or hospital care
- Part A Hospice Care Coinsurance — Hospice and respite care cost coverage
- Skilled Nursing Facility Care Coinsurance — Coinsurance for skilled nursing facility stays
- Part A Deductible — The hospital deductible for each benefit period (multiple times per year)
- Part B Excess Charges — The difference between what Medicare-approved providers charge and what Medicare pays, up to an additional 15%
- Foreign Travel Emergency — Emergency medical care abroad, covered at 80% up to plan limits
Plan G vs. Plan F vs. Plan N — The Full Comparison
Plan G, Plan F, and Plan N are the three most widely sold Medigap plans. Here’s how they compare:
| Coverage Benefit | Plan G | Plan F | Plan N |
|---|---|---|---|
| Part A Hospital Coinsurance | ✅ 100% | ✅ 100% | ✅ 100% |
| Part B Deductible ($257/yr) | ❌ You Pay | ✅ Covered | ❌ You Pay |
| Part B Excess Charges | ✅ Covered | ✅ Covered | ❌ Not Covered |
| Foreign Travel Emergency | ✅ 80% | ✅ 80% | ✅ 80% |
| Premium Level | 💰 Moderate | 💰💰 Highest | 💰💰💰 Lower |
| Best For | Max coverage seekers | Pre-2020 eligibles | Budget-conscious |
Important: Plan F is no longer available to Medicare beneficiaries who became eligible after January 1, 2020. If you qualify for Plan F, it’s worth comparing — but for everyone else, Plan G is the closest alternative with the most comprehensive coverage available.
How Much Does Medicare Supplement Plan G Cost?
Plan G premiums in Florida vary based on several personal factors:
- Age — Premiums increase as you get older; younger buyers pay less
- Location — ZIP code affects pricing due to regional cost differences
- Tobacco use — Smokers typically pay 10–30% more than non-smokers
- Carrier — All carriers offer the same standardized benefits; price differences reflect their pricing model and your risk profile
On average, Florida residents aged 65 can expect to pay between $150 and $350 per month for a standard Plan G policy. The only additional out-of-pocket cost beyond your monthly premium is the 2025 Part B deductible of $257 per year — and once you’ve paid it, your total out-of-pocket medical costs for the remainder of the year are essentially zero.
Note: High Deductible Plan G is also available, with premiums typically ranging from $50 to $100 per month and a $2,870 annual deductible. This is a good option for healthy individuals who rarely visit the doctor.
How to Enroll in Plan G — Step by Step
The best time to enroll in Plan G is during your Medicare Open Enrollment Period — the six months starting when you’re both 65 or older and enrolled in Medicare Part B. During this period, carriers cannot deny you coverage or charge you more based on pre-existing conditions.
Step 1: Check Your Eligibility
To enroll in Plan G, you must be actively enrolled in both Medicare Part A and Part B. If you’re still working and have employer coverage, you may want to delay enrolling to avoid overlapping costs.
Step 2: Compare Carriers Side by Side
Plan G benefits are federally standardized — every carrier’s Plan G covers exactly the same things. The only difference is price and customer service. We compare multiple A-rated carriers to find the most competitive premium for your specific situation.
Step 3: Apply During Your Open Enrollment Window
Within your open enrollment window, guaranteed issue rights mean you cannot be turned down or charged more. Outside this window, carriers can require medical underwriting and may decline coverage or charge higher premiums based on health conditions.
Step 4: Review Your Policy Annually
Plan G premiums increase with age and due to rising healthcare costs. We recommend reviewing your coverage and comparing rates every 12–24 months to ensure you’re still getting the best value.
Frequently Asked Questions About Plan G
Is Plan G worth the monthly premium?
For most Medicare beneficiaries, yes. With one predictable monthly premium and no surprise copays or coinsurance for the rest of the year, Plan G simplifies your healthcare budget in a way that no other Medigap plan matches. The total annual cost — premium plus one Part B deductible — is often less than what people with less comprehensive coverage pay in unpredictable out-of-pocket costs.
What is the Part B deductible for 2025?
The Medicare Part B deductible is $257 for 2025. This is the only out-of-pocket expense beyond your monthly Plan G premium — and after you pay it once, Plan G covers everything else for the remainder of the year.
Can I keep my current doctor with Plan G?
Yes. Plan G works with any doctor, specialist, or hospital that accepts Medicare — over 95% of providers nationwide. There are no networks, no referrals, and no prior authorization requirements. You can see any Medicare-approved provider without a referral.
What is High Deductible Plan G, and is it worth it?
High Deductible Plan G has the same coverage as standard Plan G but requires you to pay the first $2,870 in out-of-pocket costs (2025) before the plan pays. In exchange, premiums are significantly lower — often $50–$100 per month. This option makes the most sense for healthy individuals who don’t expect to use much healthcare. Standard Plan G is generally better for those who see their doctor regularly.
Is Plan G available in all states?
Yes. Medigap Plan G is available in all 50 states. Three states — Wisconsin, Minnesota, and Massachusetts — use their own standardized plan names, but comparable comprehensive coverage is available in each. Florida offers the full range of Medigap plans including standard Plan G and High Deductible Plan G.
What’s the difference between Plan G and Plan N?
Plan N covers nearly everything Plan G covers, but requires small copays for doctor visits ($20) and emergency room visits ($50), and does not cover Part B excess charges. Plan N premiums are typically 10–20% lower than Plan G. Plan G is the better choice if you want complete peace of mind with zero unexpected out-of-pocket costs.
Ready to Compare Plan G Quotes?
Every carrier prices Plan G differently — and the difference between the cheapest and most expensive carrier for the same coverage can be $100 or more per month. That’s $1,200 per year in savings just for comparing your options. Buckalew Financial Services compares plans from multiple A-rated carriers to find the best rate for your age, ZIP code, and health profile.
📞 Call 813-863-5917 — Free, No-Obligation Plan G Quote
We’ll compare your current coverage to Plan G options on the market. You’ll know exactly what you’re paying and what you’re getting — in plain language, with no pressure to switch.
Serving Medicare beneficiaries in Florida — Valrico, Tampa, Brandon, Riverview, and surrounding communities.
