Medicare Supplement (Medigap)
Predictable costs and the freedom to see any Medicare provider.
Overview
A Medicare Supplement works alongside Original Medicare. Medicare pays first, then your Supplement pays its share. Because plans are standardized by letter, Plan G from one carrier has the same medical benefits as Plan G from another. The difference is price, rate history and customer service.
Your best time to buy is your Medigap Open Enrollment Period, the six months starting when your Part B begins and you are 65 or older. During that window carriers cannot turn you down or charge more for health conditions.
We quote the carriers we are appointed with, show you each one's rate increase history in Florida, and help you pick a company you will be happy with for years, not just this year.
What's included
Part A hospital deductible
Plans G and N pay the full Part A deductible for each benefit period.
Part B coinsurance
The 20 percent Original Medicare leaves behind, with small copays on Plan N.
Excess charges
Plan G covers Part B excess charges if a doctor does not accept assignment.
Skilled nursing coinsurance
Days 21 through 100 in a skilled nursing facility.
Foreign travel emergency
80 percent of emergency care abroad after a small deductible, up to plan limits.
Hospice coinsurance
Part A hospice care and respite coinsurance.
How we help you choose
Our process for medicare supplement takes about an hour of your time, spread over one or two conversations.
Time it with Part B
We plan your application around your Part B start date so you get guaranteed acceptance.
Choose a plan letter
Most clients compare Plan G and Plan N. We show the math for your expected usage.
Compare carriers
Same benefits, different prices. We compare premiums, discounts and rate history.
Add a Part D plan
We pair your Supplement with the drug plan that covers your prescriptions best.
Why people choose it
No networks
Use Sarasota Memorial, Mayo Clinic or a specialist in Ohio. If they take Medicare, you are covered.
No referrals or prior authorizations
If Medicare approves the service, your Supplement pays its share.
Easy budgeting
With Plan G you pay the monthly premium and the Part B deductible. That is about it.
What it costs
Costs depend on your county, carrier and income. These sample figures help you budget.
| Cost | Sample amount | Good to know |
|---|---|---|
| Plan G premium, age 65 | $145 - $210/mo | Sample Sarasota range, varies by carrier and gender |
| Plan N premium, age 65 | $105 - $160/mo | Sample Sarasota range |
| Plan G yearly exposure | $283 | The Part B deductible (sample 2026 figure) |
| Plan N copays | Up to $20 / $50 | Office visit / ER visit that does not lead to admission |
| Household discount | 5% - 12% | Offered by many carriers when two people enroll |
Figures are samples for illustration and are not a quote. Confirm current amounts on Medicare.gov or with a licensed agent.
Medicare Supplement questions
Ask us anything else on a free call.
Plan G covers everything except the Part B deductible. Plan N has a lower premium but adds small office and ER copays and does not cover excess charges.
You can apply any time, but outside your open enrollment window most carriers in Florida can ask health questions and decline coverage.
No. Supplements sold today do not include prescription coverage, so we pair them with a stand-alone Part D plan.
Most Supplements are attained-age rated, so premiums rise with age and with medical inflation. We review your rate each year and shop it if increases get steep.
Get help with Medicare Supplement
Free, no-pressure help comparing the plans we offer in your county. Most calls take about 20 minutes.
Licensed agents. TTY 711. Mon-Fri 8am-8pm, Sat 9am-2pm ET.
