Medigap Plan F in Florida
Plan F is the most comprehensive standardized Medigap plan. It covers everything Plan G covers PLUS the annual Part B deductible. If you became Medicare-eligible before January 1, 2020, you can still enroll in Plan F. If you became eligible on or after that date, federal law (MACRA) closed Plan F to you.
In Florida, Plan F's federal benefits are identical across every carrier that sells it. The interesting question for many existing Plan F enrollees is whether to switch to Plan G. The premium gap between Plan F and Plan G is often larger than the annual Part B deductible Plan F covers, which means many Plan F enrollees would save money by switching.
We're independent. We compare Plan F premiums and Plan F vs Plan G economics across the carriers we represent in your FL ZIP. If your current Plan F is competitively priced, we tell you to stay. If switching to Plan G saves you money, we tell you that honestly.
What Plan F covers in FL
Plan F covers all the Original Medicare gaps. Plan F pays your share of Part A coinsurance and copays, the Part A hospital deductible, blood (first 3 pints), skilled nursing facility coinsurance, Part B coinsurance and copays, Part B excess charges, AND the annual Part B deductible. It also covers 80% of foreign travel emergency care.
Closed to people newly eligible after January 1, 2020. MACRA (the Medicare Access and CHIP Reauthorization Act) closed Plan F to Medicare beneficiaries who first became eligible on or after January 1, 2020. If you were Medicare-eligible before that date, you can still enroll. Plan G is the equivalent option for newly-eligible beneficiaries (covers the same things except the Part B deductible).
Plan F premiums tend to be higher than Plan G. Because the Plan F pool is closed (no fresh younger enrollees), the average age and average claim cost in the Plan F pool tends to drift higher each year. Carriers price for that. Many existing Plan F enrollees pay more in extra premium per year than the Part B deductible Plan F covers, which means switching to Plan G would save money.
Federal benefits are identical across carriers. Plan F from one carrier covers exactly the same benefits as Plan F from any other carrier. What differs between carriers is the premium, the household discount, and the rate-history pattern.
Common questions about Plan F in Florida
Can I still enroll in Medigap Plan F in Florida?
Only if you were eligible for Medicare before January 1, 2020. The MACRA legislation closed Plan F (and Plan C) to people who became newly eligible for Medicare on or after that date. If you were eligible before then, you can still enroll in Plan F at any time you have guaranteed-issue rights or pass medical underwriting. If you became eligible in 2020 or later, Plan G is the equivalent option.
I have Plan F in Florida. Should I switch to Plan G?
Often yes. The math is straightforward. Plan F covers the annual Part B deductible (around $257 in 2025, expected to rise modestly each year). Plan G doesn't. If the annual premium difference between your Plan F and a comparable Plan G is MORE than the Part B deductible, you'd save money by switching to Plan G.
In a lot of carriers and states, Plan F now costs $300+ per year more than Plan G, which means switching saves real money. We can pull current rates from the carriers we represent in your FL ZIP and run the math on your specific situation.
Caveat. Switching from Plan F to Plan G outside guaranteed-issue periods generally requires going through medical underwriting in Florida. If you have health conditions that would lead to denial, switching may not be available.
What does Plan F cover that Plan G doesn't?
Just the annual Medicare Part B deductible. Everything else Plan F covers, Plan G also covers. The Part B deductible is around $257 in 2025 and adjusts modestly each year. That's the entire functional difference between the two plan letters.
How much does Plan F cost in Florida?
Plan F premiums in your ZIP vary by carrier, your age, and (in some carriers) tobacco use and gender. Plan F premiums are typically meaningfully higher than Plan G premiums for the same person and carrier, and the gap has widened in recent years as the closed Plan F pool ages. We can pull current rates from the carriers we represent.
Does Plan F cover prescriptions in Florida?
No. Plan F (like every other Medigap letter) does not cover prescription drugs. You need a standalone Medicare Part D plan alongside Plan F. Without one, you'd be paying full retail for medications and accumulating a Late Enrollment Penalty after 63 days without creditable drug coverage.
Are you connected to Medicare or to a specific Medigap carrier?
No. The Right Choice Agency is an independent licensed insurance agency. We are not connected with or endorsed by the United States government, the federal Medicare program, or the Florida state government. Medigap plans are sold by private insurance carriers; we represent multiple Medigap carriers and compare them. For information on all your options, contact Medicare.gov or call 1-800-MEDICARE.
Plan F is grandfathered. Worth checking if Plan G saves you money
If you have Plan F and you became Medicare-eligible before 2020, you're in a closed pool that may be costing you more than it should. We compare your current Plan F premium against a comparable Plan G in Florida and run the math against the Part B deductible. If switching saves you money, we tell you. If your current Plan F is competitively priced, we tell you to stay.
For the full Florida Medicare overview, see Medicare in Florida. For more on Medigap generally, see What is a Medigap Plan?.
Required disclosures. We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Plan availability, premiums, and benefits vary by county, ZIP code, and plan year. This is not a complete description of benefits.