Your 2027 Guide to Medigap in Coral Gables, Florida
Original Medicare covers a lot — but it leaves gaps, with no yearly limit on what those gaps can cost you. For many people in Coral Gables, Florida, a Medigap policy is how they get peace of mind. Here's how the standardized plans work in Miami-dade County, in plain language, with no rankings and no pressure.
Compare Medicare Supplement options near you
Answer 3 quick questions to see Medicare Supplement listings from licensed insurance partners.
What’s your ZIP code?
Plan availability is set by your county, so we start here.
How old are you?
This helps match you with options you’re eligible for.
Do you have Medicare Parts A & B?
This affects which Medicare Supplement options you can choose.
These listings are provided by licensed insurance partners.
Your Medigap rate went up. Your benefits didn't.
Medicare supplement benefits are standardized — identical at any carrier. The only difference is what you pay. One call compares current rates in your area.
- Same plan letter = same benefits, by law
- No fall deadline — switch any month, if your health qualifies
Available now — current wait: 0 min
A real person answers. No phone menu, ever.
Your Medigap rate went up. Your benefits didn't.
Medicare supplement benefits are standardized — identical at any carrier. One call compares current rates in your area.
Available now — current wait: 0 min
A real person answers. About 5 minutes, no obligation.
Agents available Mon–Fri, 8am–6pm CT
Advertising disclosure: MyMedicarePlans.org may be compensated when you contact a partner or licensed agent. Listings are not ranked or endorsed by us, and we do not recommend specific plans. You can also contact Medicare.gov or 1-800-MEDICARE.
Speak to a Licensed Insurance Agent
Click to call 855-729-3240Quick answer
For 2026, the Medicare.gov Medigap policy search listed 24 insurers selling Medicare Supplement (Medigap) policies in Florida, which includes Coral Gables.
Medigap plans in Coral Gables follow the federal standardized letters in 2027, so a Plan G or Plan N covers the same benefits in Coral Gables whichever insurer sells it; the price is what differs.
In Miami-dade County, which includes Coral Gables, 523,575 people had Medicare in 2026, and about 75% of them were in Medicare Advantage rather than Original Medicare.
| Fact | Figure | Source |
|---|---|---|
| Medigap insurers in Florida, 2026 | 24 | Medicare.gov Medigap policy search (2026) |
| People with Medicare in Miami-dade County, 2026 | 523,575 | CMS county data and Census ACS (2026) |
| Share in Medicare Advantage in Miami-dade County, 2026 | 75% | CMS State/County MA Penetration (2026) |
| Standard Part B premium, 2026 | $202.90 a month | CMS 2026 Part B announcement |
Medicare Supplement (Medigap) chart
Medigap plan comparison chart (2027)
What each standardized Medigap plan pays in Florida. Medigap plans are standardized by federal law, so a plan letter covers the same benefits whichever insurer sells it; the price is what differs. “100%” means the plan pays the whole benefit, a lower percentage means it pays that share, “No” means it does not cover it.
| Benefit | Plan A | Plan B | Plan C | Plan D | Plan F | Plan G | Plan K | Plan L | Plan M | Plan N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance and hospital costs, up to 365 days after Medicare benefits are used | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Part B coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100%* |
| Blood (first 3 pints) | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A hospice care coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled nursing facility care coinsurance | No | No | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A deductible | No | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 50% | 100% |
| Part B deductible | No | No | 100% | No | 100% | No | No | No | No | No |
| Part B excess charges | No | No | No | No | 100% | 100% | No | No | No | No |
| Foreign travel emergency (up to plan limits) | No | No | 80% | 80% | 80% | 80% | No | No | 80% | 80% |
| Yearly out-of-pocket limit | No | No | No | No | No | No | Yes** | Yes** | No | No |
| Sold in Florida (2026 Medicare.gov search) | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Plans C and F can be bought only by people who were eligible for Medicare before January 1, 2020; people new to Medicare since then can buy the other letters. Plans F and G also come in a high-deductible version that pays after a yearly deductible. * Plan N pays the Part B coinsurance except for a copayment for some office visits and for emergency-room visits that do not lead to an inpatient admission. ** Plans K and L pay 100% of covered services for the rest of the year once you reach their yearly out-of-pocket limit, which CMS sets each year. Massachusetts, Minnesota and Wisconsin standardize Medigap their own way, so this chart does not apply there.
Source: Federal Medigap standardization rules (CMS, medicare.gov); Medicare.gov Medigap policy search (2026). No plan or insurer is ranked.
By ZIP code
Medicare plans by ZIP code in Coral Gables
Coral Gables covers 1 ZIP code in Miami-dade County, where 101 Medicare Advantage plans are offered for 2027 (115 for 2026). Medicare plans are offered county by county, so every ZIP code in a county has the same Medicare Advantage lineup. Enter your ZIP code in the plan finder at the top of this page to compare the plans offered there.
| ZIP code | County | Medicare Advantage plans changing or leaving for 2027 |
|---|---|---|
| 33133 | Miami-dade County | 71 |
Sources: ZIP codes, GeoNames US postal codes (CC BY 4.0), limited to Census ZCTAs; changes, CMS MA Landscape files, CY2026 vs CY2027 comparison, mapped to ZIP codes with the Census ZCTA-to-county file (a ZIP code that crosses a county line is counted with the county holding most of its land). Counts only; no plan is ranked.
Good to know
Medigap in Coral Gables: questions (2027)
What is a Medigap plan, and how does it work in Coral Gables?
When can I buy a Medigap policy in Coral Gables?
What is the difference between Medicare Advantage and Medicare Supplement in Coral Gables?
What does Medicare cost in Coral Gables for 2027?
Here's the Coral Gables picture in plain terms. Your county sets your Medicare options, and Coral Gables sits in Miami-dade County (part of Coral Gables area) — so that's the lens for everything below.
101 Medicare Advantage plans are available for 2027. About 75% of the county's Medicare members are in a Medicare Advantage plan rather than Original Medicare, among the roughly 463,896 residents who are 65 or older. Those are factual, area-level counts — we don't rank plans.
Expect the companies active locally, a jargon-free walkthrough of how Medicare works, the 2027 costs, the enrollment calendar, and free help when you want a person to talk to.
Miami-dade County at a glance
Coral Gables is in Miami-dade County. Medigap plans are standardized by letter everywhere, so the local question is how many neighbors use them and what the alternatives look like. Miami-dade County's figures, from CMS:
| People with Medicare | 523,575 |
|---|---|
| Residents 65 and older | 463,896 |
| Share in Medicare Advantage instead | 75% |
What Medigap does — and doesn't — cover
Think of Medigap as the layer that sits on top of Original Medicare to absorb the costs it leaves you: the deductibles, the 20% coinsurance, the copays that otherwise have no annual ceiling.
The catch that trips people up is that these plans are federally standardized — a Plan G from one insurer covers exactly what a Plan G from another does. So the letter defines the benefits, and price and service are what separate companies. Medigap doesn't include drug coverage, so most people in Coral Gables, Florida pair it with a stand-alone Part D plan.
Below we break down what each standardized plan covers and the enrollment rights that matter most in Coral Gables, Florida. It's a framework, not a ranking — and we don't quote premiums.
Who sells Medigap here
Medigap insurers serving Coral Gables
24 insurers sell Medigap policies in Florida, offering Plans A, B, C, D, F, F-HD, G, G-HD, K, L, M, N. Medigap policies are sold statewide, and prices vary by insurer for the same letter.
See all Florida Medigap insurers and the plans each sells →
Source: Medicare.gov Medigap policy search. No insurer is ranked or recommended.
By the numbers
How people get Medicare in Miami-dade County
(MA penetration in Miami-dade County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
The 2027 numbers, from shared to plan-specific
Start with what's fixed for everyone. The standard Part B premium is $202.90 per month in 2026 (2026 amount; 2027 figure will be posted when CMS releases it), and Part A is premium-free for most people who paid Medicare taxes long enough while working.
On the drug side, Part D has real guardrails for 2027: a deductible capped at $700 and, a hard $2,400 ceiling on your out-of-pocket costs for covered prescriptions — the old coverage gap is gone.
Higher earners pay more for Parts B and D through an income-related adjustment called IRMAA, which for 2026 starts above $109,000 in annual income for an individual and is based on your 2024 tax return. Most people fall below that line and pay the standard amounts. The 2027 brackets will be posted when CMS releases them.
Everything past that is plan-specific: the premiums, copays, and coverage details of an individual Advantage or Medigap plan change from plan to plan and year to year. Rather than quote or rank those, we point you to Medicare's Plan Finder and a licensed agent for your exact numbers.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
When you can enroll or make changes
Medicare's enrollment windows are federal — the same nationwide — so the timing below applies wherever you live.
Your first window (IEP). When you're new to Medicare, your Initial Enrollment Period is the 7-month window around your 65th birthday month. Signing up on time helps you avoid late penalties that can follow you for years.
Annual Enrollment Period (AEP). Each fall, from October 15 – December 7, anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.
Medicare Advantage Open Enrollment. From January 1 – March 31, if you're already in an Advantage plan you get one chance to switch plans or return to Original Medicare.
Special Enrollment Periods can also open after certain life events, like moving or losing other coverage. The interactive calendar further down lays the year out visually.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Where to get free, unbiased help near Coral Gables
Good Medicare help exists and it's free — you don't have to figure this out solo or pay for guidance.
For official specifics and the Plan Finder tool, go straight to Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048). And a licensed agent can compare options and handle the paperwork with you.
One note on who we are: MyMedicarePlans.org is an independent, privately owned educational resource — not Medicare, not a government agency, and not affiliated with one. Our job is to help you get oriented, then hand you off to the official sources and licensed professionals for plan decisions.
New Medicare Supplement guides from Florida
- Newly eligible in Pembroke Pines? Your Medigap letters have limits
- Fort Lauderdale Medigap in 2027: the plan-letter rules, Part B reset and rate filings to watch
- Fort Lauderdale Medigap: comparing insurers on one plan letter
- Medicare Supplement in Pembroke Pines: how Florida's standardized plan letters work
- Orlando Medigap and the 2027 AEP (explained)
- Medigap in Fort Lauderdale: how Florida's standardized plan letters work with Original Medicare
- Before You Apply for Medigap in Pembroke Pines
- Cape Coral Medigap in 2027: plan-letter rules, the Part B reset and rate-filing season