Medicare Supplement Plan G is the most popular and comprehensive Medigap plan in Florida. Compare 2026 Plan G rates from top carriers free with NISONA — local, unbiased advice for the Treasure & Space Coast.
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Medicare Supplement Plan G Florida is one of the most popular and comprehensive Medigap plans available in Florida. Plan G works alongside Original Medicare and helps cover many of the costs that Medicare does not fully pay.
Key takeaway: Plan G pays almost all Medicare-approved costs except the annual Part B deductible — making your healthcare expenses highly predictable throughout the year.
Not sure if Plan G is right for your situation?
Medicare Supplement Plan G in Florida covers a wide range of healthcare costs leaving you with very few out-of-pocket surprises.
✓ Covered by Plan G
✗ Not Covered by Plan G
For the complete official Medigap benefit chart, visit Medicare.gov.
What if a hospital stay runs long? Plan G’s Part A hospital coverage extends up to 365 additional days beyond what Original Medicare covers on its own — including the 60 lifetime reserve days Medicare provides for extended stays. See our full guide to Medicare lifetime reserve days →
Plan G is often considered the gold standard of Medicare Supplement plans because it offers strong coverage with very few out-of-pocket surprises.
See how Plan G compares to other popular Medigap options available in Florida.
| Benefit | Plan G | Plan N | HD Plan G | Plan D |
|---|---|---|---|---|
| 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 | ✓ | ✓ | ✓ | ✓ |
| Typical Monthly Premium | Higher | Moderate | Lower | Moderate |
Premiums vary by carrier, age, tobacco use, and county of residence.
Want to see real 2026 Plan G rates side by side with Plan N and High-Deductible Plan G?
Every Plan G policy covers identical benefits — the only difference between carriers is the monthly premium. Rates in the Vero Beach area vary significantly from carrier to carrier, which is why comparing is so important.
💡 Good to know: All Plan G policies provide identical benefits regardless of carrier. The only meaningful differences are the monthly premium, the carrier’s financial strength, and their history of rate increases. NISONA compares all available carriers in your area — free and unbiased.
$225 – $330
per month (ZIP 32960, est.)
Maximum coverage. Only out-of-pocket cost is the $283 Part B deductible once per year.
$140 – $220
per month (ZIP 32960, est.)
Lower premium with small copays ($20 office visit / $50 ER). No excess charge coverage.
$35 – $60
per month (ZIP 32960, est.)
Lowest premium. You pay the first $2,950 in costs before full Plan G benefits kick in.
⚠ Disclaimer: Premium ranges shown are general estimates for a 65-year-old non-tobacco user in the Vero Beach, FL area (ZIP 32960). Actual premiums vary by carrier, age, gender, tobacco status, and household discounts. Carrier rates change throughout the year. These figures are provided for general comparison purposes only and are not a guarantee of pricing. Contact NISONA for a current, personalized rate comparison.
NISONA compares current rates from all available carriers in the 32960 area — no pressure, no obligation. Takes about 5 minutes.
Plan G 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.
Our local NISONA advisors can compare Plan G rates alongside Plan N and High-Deductible Plan G from Florida’s top carriers — free, with no obligation.
Nisona serves the insurance needs of the Treasure and Space Coast.