Medicare Supplement

Shopping for Medigap in Miami: how Florida's standardized letters really line up

Miami sits in Miami-Dade County, and if you have Original Medicare here, a Medicare Supplement policy — better known as Medigap — is one way to fill in the out-of-pocket gaps Parts A and B leave behind. The policies are federally standardized by letter, so a Plan G is a Plan G no matter whose name is on the envelope. What changes in Florida is who sells it, how they price it, and what state rules apply when you want to switch.

Medicare SupplementMiami, FL

What Medigap actually does

Original Medicare (Part A hospital and Part B medical) pays most of your covered care, but it leaves deductibles, coinsurance, and copays behind. A Medigap policy — sold by private insurers under rules set by the federal government and the Florida Office of Insurance Regulation — picks up some or all of those leftover costs, depending on the letter you choose.

A few ground rules that trip people up:

• Medigap only pairs with Original Medicare. If you're enrolled in a Medicare Advantage plan, you can't use a Medigap policy at the same time.
• Medigap does not cover prescription drugs. For that, you enroll in a separate Part D plan.
• Every policy of a given letter covers the same federally defined benefits, so the differences among carriers come down to price, customer service, and how they raise rates over time.

The letters you can buy in Florida today

Florida follows the federal standardization used in most states. If you're newly eligible for Medicare, the plan letters available to you are:

• Plan A
• Plan B
• Plan D
• Plan G
• Plan G High-Deductible (Plan G-HD)
• Plan K
• Plan L
• Plan M
• Plan N

Plans C and F still exist, but only for people who were eligible for Medicare before January 1, 2020. If that's you, you may still be able to buy or keep one. If you became eligible after that date, those two letters are off the menu.

Each letter covers a different mix of Part A and Part B cost-sharing. Plan G and Plan N tend to get the most attention today because they're the more comprehensive options open to new enrollees, while Plans K and L cap your out-of-pocket costs but ask you to share more along the way. High-deductible Plan G works like Plan G but only kicks in after you've paid a set deductible each year. None of that means one letter is "better" than another — it depends on how you use care and what monthly premium fits your budget.

How Medigap pairs with Part D in 2026

Because Medigap doesn't include drug coverage, most Miami residents on Original Medicare pair their Medigap policy with a stand-alone Part D drug plan. A few 2026 program facts worth knowing:

• The Part D out-of-pocket cap is $2,100 for 2026. Once your covered drug costs hit that ceiling, you pay $0 for covered drugs the rest of the year.
• The Part D maximum deductible is $615.
• The old coverage gap, or "donut hole," has been eliminated as of 2025. Part D now runs in three phases instead of four.
• The Medicare Prescription Payment Plan is an optional feature that lets you spread your drug costs across the calendar year in monthly bills instead of paying all at once at the pharmacy.
• Higher-income enrollees pay an IRMAA surcharge on Part B and Part D. For 2026, IRMAA starts above $109,000 in income for a single filer.

Part D plans change every year, so review yours during the Annual Enrollment Period, October 15 through December 7.

State rules that shape your choice in Florida

Two things shape Medigap decisions in Florida more than the letter itself: when you buy, and how the insurer prices the policy.

Your Medigap Open Enrollment Period. This is a federal right, and it's your strongest window. It lasts six months, starting the month you're 65 or older and enrolled in Part B. During that window, insurers must sell you any Medigap policy they offer at their best available rate, without asking health questions. Miss it, and outside of certain guaranteed-issue situations, insurers in Florida can use medical underwriting — meaning they can look at your health history and decide whether to offer you a policy and at what price.

How premiums are set. Medigap policies in Florida can be priced in different ways (issue-age, attained-age, or community-rated), and that affects how the premium changes as you get older. Two policies with the same letter can start at very different prices and rise at different speeds. This is why comparing more than one quote matters — and why it's worth asking any agent to explain how the rate is built.

State-specific rights. Some states have extra protections, such as annual "birthday rules" that let you switch policies without underwriting. Florida's rules can change, so confirm current rights with the Florida Office of Insurance Regulation or Florida SHINE before you assume a switch will be easy.

Finding the insurers that sell Medigap in Miami

Because we don't publish a carrier list here, the table on this page is your starting point for what's on the ground in Miami-Dade County. Beyond that, three official tools will show you every insurer licensed to sell Medigap at your address:

• Medicare.gov Medigap policy search. Enter your Miami ZIP code and you'll see the letters available and the insurers offering them, with sample premium ranges.
• Florida Office of Insurance Regulation Medigap rate guide. The state publishes premium data for policies sold in Florida, which helps you compare pricing methods.
• Florida SHINE (the State Health Insurance Assistance Program). Free, unbiased counseling by phone or in person, including help sorting through Medigap options for Miami-Dade residents.