Medicare Supplement

Which Medigap letters can you still buy in St. Petersburg?

St. Petersburg sits in Pinellas County, where anyone on Original Medicare can pair their coverage with a Medicare Supplement — better known as Medigap. If you have been staring at a list of letters (A, B, D, G, K, L, M, N…) and wondering what the differences really are, you are not alone. The letters are set by the federal government, but who sells them and how they price them is shaped by Florida.

Medicare SupplementSt. Petersburg, FL

Here is a plain-English guide to how Medigap works in this corner of the Sun Coast, and what to check before you sign anything.

How Medigap fits with the rest of Medicare

Medigap is not a replacement for Medicare. It sits on top of Original Medicare and pays some of the out-of-pocket costs Medicare leaves behind — things like the Part A hospital deductible, coinsurance and, depending on the letter, the Part B deductible.

A few ground rules that trip people up:

• You need Part A and Part B to buy a Medigap policy.
• Medigap does not cover prescription drugs. For that, you add a stand-alone Part D plan.
• You cannot have Medigap and a Medicare Advantage plan at the same time. Medigap only pairs with Original Medicare.
• Each policy covers one person. Spouses each buy their own.

The letters, and why they matter

Every Medigap plan sold in Florida uses a federal letter. The letter tells you exactly which benefits are covered — that part is identical from company to company. What changes between insurers is the premium, the customer service, and how they raise rates over time.

For people newly eligible for Medicare today, these letters are on the shelf: A, B, D, G, G-HD, K, L, M, N. Plans C and F are only available to people who were eligible for Medicare before January 1, 2020. If that is you, you can still buy or keep them.

A quick orientation:

• Plan A is the most basic set of benefits every insurer must offer.
• Plan G covers everything Plan F did, except the Part B deductible. It is the most comprehensive plan open to new enrollees.
• Plan G-HD (high deductible) has a lower premium in exchange for paying a yearly deductible before benefits kick in.
• Plans K and L share costs with you up to a yearly out-of-pocket limit.
• Plan N has lower premiums than Plan G but includes small copays for some office and ER visits.

The table below lists every plan letter each Florida insurer offers so you can compare side-by-side.

Who sells Medigap in Florida

Florida has a long roster of licensed Medigap insurers. Names you will see include AARP - UnitedHealthcare Insurance Company, AFLAC, Bankers Life, Continental Life Insurance Company of Brentwood, Tennessee (Aetna), Florida Blue, Humana, Mutual of Omaha (United World Life Insurance Company), State Farm Mutual Automobile Insurance Company and USAA Life Insurance Company, among others.

Not every carrier sells every letter. Some sell only a handful (say, A, F, G and N), while others carry nearly the full menu. That is why comparing by letter first — then by carrier — usually makes shopping easier.

The Florida rules that shape your choice

A few state-level details matter as much as the letter you pick:

• Open Enrollment Period. Your one-time, 6-month Medigap Open Enrollment Period starts the month your Part B is effective and you are 65 or older. During that window, insurers in Florida must sell you any Medigap plan they offer, at their best available rate for your age, without health questions.
• Underwriting outside that window. After your open enrollment ends, Florida insurers can ask health questions and can decline you or charge more, unless a federal guaranteed-issue right applies (for example, if your employer coverage ends).
• Pricing method. Florida insurers can price Medigap by attained age, issue age or community rating. Two policies with the same letter can rise very differently over time depending on which method is used. Ask each carrier how they set — and change — premiums.
• Under 65 with Medicare. Florida requires insurers to offer at least some Medigap coverage to people under 65 who qualify for Medicare through disability, though the choices and prices are different.

For the most current state rules and consumer guides, the Florida Office of Insurance Regulation and Florida SHINE (Florida's State Health Insurance Assistance Program) are your best local resources.

Pairing Medigap with Part D in 2026

Because Medigap does not cover prescriptions, most St. Petersburg residents on Medigap also enroll in a stand-alone Part D drug plan. A few 2026 numbers to keep in mind:

• The Part D out-of-pocket cap is $2,100 for 2026.
• The maximum Part D deductible is $615.
• The old coverage gap ("donut hole") is gone — Part D now has three phases.
• The Medicare Prescription Payment Plan lets you spread your drug costs out in monthly installments instead of paying big amounts at the pharmacy counter.
• IRMAA surcharges (higher Part B and Part D premiums for higher earners) begin above $109,000 in income for a single filer in 2026.

Your Part D plan can be changed each year during the Annual Enrollment Period, October 15 – December 7. Your Medigap plan is separate and can generally be changed at any time — subject to underwriting in Florida once your open enrollment window has closed.