Medicare Supplement

Medigap in Orlando: which plan letters Florida shoppers can still buy

Orlando, Fla. — If you have Original Medicare and want help with the out-of-pocket costs it leaves behind, a Medigap policy — also called a Medicare Supplement — is the tool most people reach for. In Florida, the policies you can buy are the same standardized letter plans sold across most of the country, but the rules for when you can buy them and how they are priced are set here at home. Here is what an Orlando shopper should know before choosing a letter.

What Medigap is — and what it is not

Medigap is private insurance that sits next to Original Medicare. After Medicare pays its share of a covered service, your Medigap policy picks up some or all of what is left — things like the Part A hospital coinsurance or the Part B 20% coinsurance, depending on the letter you buy.

A few things Medigap is not: it is not Medicare Advantage (Part C), it is not a drug plan, and it is not tied to a network. If a provider accepts Original Medicare, your Medigap policy works with them anywhere in the country. That portability matters in a place like Orlando, where many residents travel or spend part of the year elsewhere.

The plan letters you can buy in Florida

Medigap plans are standardized by the federal government, so a Plan G from one company covers the same Medicare-defined benefits as a Plan G from another. What differs between companies is the price, the customer service, and sometimes small extras.

For someone newly eligible for Medicare today, Florida offers these letters: A, B, D, G, high-deductible G, K, L, M and N. Plans C and F are still in force for people who were eligible for Medicare before January 1, 2020, but they are closed to newcomers. (Massachusetts, Minnesota and Wisconsin standardize their plans differently; Florida follows the federal letters.)

The table below lists every plan and what it covers benefit by benefit — that is the clearest way to compare, because the benefit grid is the same no matter which insurer sells the policy.

How Medigap pairs with Part D

Medigap policies sold today do not include prescription drug coverage. To get drug coverage while keeping Original Medicare and a Medigap plan, you enroll in a stand-alone Medicare Part D plan.

A few 2026 numbers to keep in mind as you shop for Part D:

• The Part D out-of-pocket cap is $2,100.
• The Part D maximum deductible is $615.
• The old coverage gap ("donut hole") has been eliminated since 2025, leaving three phases.
• The Medicare Prescription Payment Plan lets you spread your drug costs across the year in monthly installments if you choose.
• IRMAA income-related surcharges for Part B and Part D begin above $109,000 for a single filer in 2026.

Florida rules that shape your choice

Two pieces of Florida practice matter more than the letter you pick.

Timing. Your Medigap Open Enrollment Period is a six-month window that begins the month you are 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, regardless of your health. Outside that window — and outside a handful of federal guaranteed-issue situations — a Florida insurer can use medical underwriting and can decline you or charge more based on health.

Pricing method. Florida insurers can price Medigap using different methods (for example, community-rated, issue-age-rated or attained-age-rated). Two policies with the same letter and the same premium today can behave very differently as you age, so ask each company how it prices, not just what it charges now. The Florida Department of Financial Services publishes a Medigap rate guide that shows current pricing across companies.

We are not naming insurers here because a state-level insurer list is not part of what we publish for Florida. The tools in the next section will show you the companies licensed to sell each letter in your Orange County ZIP code.

How to shop it in Orange County

Orlando sits in Orange County, and Medigap is regulated at the state level, so the same letters and rules apply whether you live in College Park, Lake Nona or unincorporated Orange County. A practical order of operations:

1. Use Medicare.gov's Medigap policy search by ZIP code to see which companies sell which letters where you live. 2. Check the Florida Department of Financial Services Medigap rate guide to compare current premiums and pricing methods. 3. Call Florida SHINE, the state's free SHIP counseling program, for one-on-one help — they do not sell anything. 4. Call 1-800-MEDICARE for questions about Original Medicare or Part D.

Compare at least a few companies for the same letter, ask about the pricing method, and confirm the effective date before you drop any coverage you already have.