Medicare Supplement Plan D offers strong, comprehensive coverage with a comfortable premium — and unlike Plan C or F, it's fully available to anyone newly eligible for Medicare. Compare 2026 Plan D rates free with NISONA.
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Medicare Supplement Plan D Florida offers strong, comprehensive coverage that works alongside Original Medicare. Plan D helps cover many of the costs that Medicare does not fully pay — with a comfortable middle-ground premium.
Key takeaway: Plan D covers nearly everything Plan G does — the only difference is Plan D does not cover Part B excess charges. Since excess charges are relatively uncommon, Plan D can be a strong middle-ground option.
Not sure if Plan D is right for your situation?
Medicare Supplement Plan D in Florida covers a wide range of healthcare costs, leaving you with predictable out-of-pocket expenses.
For the complete official Medigap benefit chart, visit Medicare.gov.
Plan D strikes a strong balance of comprehensive coverage and broad availability for people newly eligible for Medicare.
See how Plan D compares to other popular Medigap options available in Florida.
| Benefit | Plan D | Plan G | Plan N | HD Plan G |
|---|---|---|---|---|
| Part A Deductible | ✓ | ✓ | ✓ | ✓ |
| Part A Coinsurance & Hospital Costs | ✓ | ✓ | ✓ | ✓ |
| Skilled Nursing Facility Coinsurance | ✓ | ✓ | ✓ | ✓ |
| Part B Coinsurance or Copayments | ✓ | ✓ | Copays apply | ✓ |
| Part B Deductible | ✗ | ✗ | ✗ | ✗ |
| Part B Excess Charges | ✗ | ✓ | ✗ | ✓ |
| Foreign Travel Emergency | ✓ | ✓ | ✓ | ✓ |
Premiums vary by carrier, age, tobacco use, and county of residence. Plan D has fewer participating carriers than Plan G or N in some areas — NISONA can confirm current availability for your county.
Want to see if Plan D is available in your county, alongside Plan G and Plan N rates?
Plan D may be the right fit if several of the following apply to you.
If several of those apply to you, let’s talk.
We encourage you to review these official government resources as part of your Medicare decision.
NISONA is an independent insurance agency and is not affiliated with Medicare or the Social Security Administration.
Medicare has several enrollment periods during which eligible individuals can sign up for coverage. Enrolling at the right time helps you avoid late penalties and gaps in coverage.
Here are the primary Medicare enrollment periods and what each one means for you.
Think you may qualify for a Special Enrollment Period?
You have four ways to enroll in Medicare:
Apply at www.ssa.gov/medicare
Call Social Security at 1-800-772-1213
TTY: 1-800-325-0778
Find your local office at www.ssa.gov/locator
Complete a paper application and mail it to your local Social Security office.
Prefer to have someone walk you through the process?
New to Medicare and still feeling a little overwhelmed? You don’t have to navigate it alone. Our friendly, knowledgeable, and hassle-free agents are here to guide you every step of the way. We begin by helping you understand the basics of Original Medicare so you can feel confident in your coverage.
That understanding is essential when it comes to choosing the supplemental coverage that’s right for you. Once your policy is set up, you’ll have peace of mind knowing that the NISONA team is just a phone call away whenever you need support.
Best of all — our service is completely free and 100% unbiased. Discover the difference of having NISONA on your side.
Nisona serves the insurance needs of the Treasure and Space Coast.