Plan G, Plan N, High Deductible G, and Plan F — side by side. Coverage is standardized by federal law. The only difference is premium.
Get Personalized Quotes →Last reviewed: 2026-03-30
All plans are standardized — identical coverage regardless of which carrier you choose.
| Coverage Benefit | Plan G ⭐ | Plan N | HDG | Plan F* |
|---|---|---|---|---|
| Part A deductible ($1,736) | ✓ Covered | ✓ Covered | ✓ After deductible | ✓ Covered |
| Part A coinsurance/hospital | ✓ Covered | ✓ Covered | ✓ After deductible | ✓ Covered |
| Part B deductible ($283) | You pay $283 | You pay $283 | Counts toward deductible | ✓ Covered |
| Part B coinsurance (20%) | ✓ 100% covered | ✓ w/ copays | ✓ After deductible | ✓ 100% covered |
| Part B excess charges | ✓ 100% covered | ✗ Not covered | ✓ After deductible | ✓ 100% covered |
| Skilled nursing facility | ✓ Covered | ✓ Covered | ✓ After deductible | ✓ Covered |
| First 3 pints of blood | ✓ Covered | ✓ Covered | ✓ After deductible | ✓ Covered |
| Foreign travel emergency | ✓ 80% | ✓ 80% | ✓ 80% after deductible | ✓ 80% |
| Max annual out-of-pocket | $283 | $283 + copays | $2,870 deductible | $0 |
| Available to new enrollees | ✓ Yes | ✓ Yes | ✓ Yes | Pre-2020 only |
*Plan F only available to those eligible for Medicare before January 1, 2020
Most Popular — Best Overall Value
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Premium varies by age, ZIP code, tobacco use, and carrier. We compare top-rated Florida carriers to find your lowest rate — free, no obligation.
Plan G is the gold standard for Florida Medigap. After paying the $283 Part B annual deductible, you have virtually no out-of-pocket exposure for Medicare-covered services. Premium varies by your age, ZIP code, and which carrier we find for you.
Get Plan G Quotes →Budget-Friendly — Lower Premium, Small Copays
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Premium varies by age, ZIP code, tobacco use, and carrier. We compare top-rated Florida carriers to find your lowest rate — free, no obligation.
Plan N offers a lower monthly premium than Plan G. You pay small copays ($20 office visits, $50 ER) and are not covered for Part B excess charges. For healthy individuals who see doctors infrequently, Plan N often wins on total annual cost. We'll run the numbers for your specific situation.
Get Plan N Quotes →Lowest Premium — Same Coverage After Deductible
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Premium varies by age, ZIP code, tobacco use, and carrier. We compare top-rated Florida carriers to find your lowest rate — free, no obligation.
HDG offers Plan G's full coverage at the lowest available premium. You pay out-of-pocket until you hit $2,870/year — then Plan G kicks in for everything. Great for healthy individuals who want catastrophic protection at minimal monthly cost. We'll show you if the math works for your situation.
Get High Deductible Plan G Quotes →Most Comprehensive — Grandfathered Only
📞 Get Your Exact Rate
Premium varies by age, ZIP code, tobacco use, and carrier. We compare top-rated Florida carriers to find your lowest rate — free, no obligation.
Plan F covers everything — including the $283 Part B deductible. It is no longer available to people new to Medicare as of Jan 1, 2020. If you were eligible before 2020, you can still purchase Plan F. Call us to discuss whether Plan F still makes sense for you compared to Plan G.
Get Plan F Quotes →Our licensed Florida specialists walk through your health situation and budget, then present real quotes from top-rated Florida carriers. Free, no pressure.
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