Medicare Supplement Plan B in Florida
A step up from Plan A — adding coverage for the Medicare Part A deductible. A simple, affordable way to close a key coverage gap.
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What Is Medicare Supplement Plan B?
Medicare Supplement Plan B builds on the basic benefits of Plan A by adding coverage for the Medicare Part A deductible — one of the most common out-of-pocket costs Medicare beneficiaries face. It remains a relatively basic plan but closes one important gap that Plan A leaves open.
Not sure if Plan B is right for your situation?
Medicare Supplement Plan B Benefits & Coverage
Like all standardized Medigap plans, Plan B provides the exact same benefits no matter which insurance company you choose. Only the monthly premium and customer service differ between carriers.
✓ What’s Covered
- Part A coinsurance and hospital costs up to 365 extra days after Medicare benefits are used
- Part B coinsurance or copayment (the standard 20%)
- First 3 pints of blood each year
- Part A hospice care coinsurance or copayment
- Medicare Part A deductible ($1,736 in 2026)
✗ Not Covered
- Medicare Part B deductible ($283 in 2026)
- Part B excess charges
- Skilled nursing facility coinsurance
- Foreign travel emergency care
Why Choose Medicare Supplement Plan B?
Plan B is a good fit for those who want the affordability of a basic plan but are concerned about the relatively high Part A hospital deductible. Covering that deductible can provide meaningful peace of mind for a modest premium increase over Plan A.
Medicare Supplement Plan B vs. Plan G
Plan B covers the Part A deductible that Plan A does not, but it still leaves Part B excess charges, skilled nursing coinsurance, and foreign travel emergency care uncovered — all of which Plan G includes. Plan G carries a higher premium but offers significantly more complete protection.
Medicare Supplement Plan B vs. Medicare Part D
It’s important to understand that Medicare Supplement Plan B and Medicare Part D serve completely different purposes — they are not alternatives to one another, and most people need both.
Key difference: Medicare Supplement Plan B helps cover out-of-pocket costs for hospital stays, doctor visits, and other services under Original Medicare. Medicare Part D is a completely separate plan that covers the cost of prescription medications. Medigap plans, including Plan B, do not include prescription drug coverage.
✓ 2026 Update: Medicare Part D now includes a $2,100 annual out-of-pocket maximum for covered prescription drugs. Once you reach this limit you pay $0 for covered medications for the rest of the year.
Who Should Consider Medicare Supplement Plan B?
Plan B may be a good fit if any of the following apply to you:
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Enrollees who want protection against the Part A hospital deductible specifically -
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Budget-conscious individuals who still want slightly more coverage than Plan A -
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Those comfortable paying the Part B deductible and any excess charges out of pocket -
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People who do not need foreign travel emergency coverage
How to Enroll in Medicare Supplement Plan B
The best time to enroll in any Medigap plan is during your Medigap Open Enrollment Period — the 6-month window starting the month you turn 65 and are enrolled in Part B. During this time you have guaranteed issue rights, meaning insurance companies cannot deny you coverage or charge more due to health conditions.
⚠ Outside Open Enrollment: Applying after your guaranteed issue window may involve medical underwriting, meaning you could be charged more or denied coverage based on your health history.
NISONA can confirm your enrollment window and walk you through the entire application process.
Official Medicare Resources
We encourage you to review these official government resources as part of your Medicare decision.
⚠ Medicare Disclaimer: This information is for educational purposes only and is not a complete description of benefits. Medicare plan availability and costs may vary by county. Contact a licensed Medicare agent for plan details. NISONA is an independent insurance agency and is not affiliated with Medicare or the Social Security Administration.
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