Medicare Plans
Medicare Supplement (Medigap) Plans in Palm Beach County
Original Medicare pays most of a hospital stay or doctor bill and leaves you the rest: deductibles, the 20% Part B coinsurance and other gaps. A Medicare Supplement policy, often called Medigap, pays most of that leftover share, so your costs look about the same year to year.
Each Medigap plan has a letter name, and federal rules spell out what each letter pays. A Plan N from one company pays the same benefits as a Plan N from another. The companies compete on premium, rate increases and service.
- Use any doctor in the U.S. who accepts Medicare
- Steady premiums and very few bills at the doctor
- No network to check and no referrals
- Works the same in Florida and in your other home state
Compare Medigap prices with a licensed agent
A licensed insurance agent prices Plan G, Plan N and high-deductible Plan G from the companies we represent in Florida, then walks you through which one fits your budget and how often you see doctors.
What to expect
Free review- A licensed agent calls you back during business hours, Mon-Fri, 9:30am-6:30pm ET
- Your doctors and prescriptions get checked before any plan is suggested
- No fee for our help, and your premium is the same either way
- No obligation to enroll, and no pressure if you'd rather stay put
Reviewed by the licensed insurance agents at Palm Beach Senior Insurance. Last reviewed: October 2026. Office hours: Mon-Fri, 9:30am-6:30pm ET.
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How it works
Medicare pays first, then Medigap pays most of the rest
You keep Original Medicare (Part A and Part B) as your main coverage. When you're treated at Jupiter Medical Center, HCA Florida JFK Hospital or any office in the county that takes Medicare, the claim goes to Medicare first. Medicare then passes the unpaid part to your Medigap company. On Plan G, the one bill most people see for Medicare-covered care is the yearly Part B deductible, $283 in 2026.
You never have to ask whether a doctor is "in network." If the office takes Medicare, your policy pays, whether you're in Delray Beach in February or back in Connecticut or Ohio in July. Drugs aren't part of Medigap, so most people also carry a Part D drug plan.
This matters for the many Palm Beach County residents who live here part of the year. You might see a family doctor in Boynton Beach in the winter and a cardiologist near your daughter's house in the summer. With Medigap, both visits are handled the same way. We work with people across Palm Beach County.
Compare
Plan G vs. Plan N vs. High-Deductible Plan G
| Plan | Monthly premium | What you pay | Often a good fit for |
|---|---|---|---|
| Plan G | Highest of the three | Only the yearly Part B deductible | People who want almost no bills and a predictable year |
| Plan N | Middle | Part B deductible, some office and ER copays, possible excess charges | Healthy people who see the doctor a few times a year and want a lower premium |
| High-Deductible Plan G | Lowest | Everything up to a high yearly deductible, then Plan G benefits | People who want the smallest premium and can cover a costly year |
Benefits are fixed, so watch the price
Every company's Plan G pays the same benefits, so the premium is where they differ. We can compare your Plan G or Plan N against other companies we represent once a year.
Add a drug plan
Medigap doesn't pay for prescriptions, so you'll want a separate Part D plan. Skipping it when you first qualify, without other creditable drug coverage, can bring a late penalty that lasts.
Timing
Your six-month Medigap window
You get one six-month Medigap open enrollment period. It starts the first month you're 65 or older and enrolled in Part B. In that time, any company selling Medigap in Florida must accept you for any plan it sells, and it can't charge more because of your health.
After those six months, companies can ask medical questions and can turn you down. Florida has no yearly birthday or anniversary window for switching later without those questions, so your first choice tends to stick. Florida law also gives you a second chance: if you're enrolled in Part B and your group health coverage ends, you have two months to apply, and the company can't refuse you or raise the price because of your health. If you're turning 65, call us about three months before your Part B start date.
- Six months of guaranteed acceptance, starting with Part B
- No network, no referrals and no fall plan shopping
- Renews every year as long as you pay the premium
- Guaranteed issue rights in certain cases, like losing employer coverage
Under 65
On Medicare before 65? Florida requires companies to sell to you.
Federal law doesn't guarantee Medigap to people under 65. Florida's does. If you have Medicare because of a disability or end-stage renal disease (ESRD), Medigap companies in Florida must sell you a policy during the six months after you enroll in Part B. They can't refuse you or price you higher because of your health.
Companies may set separate rates for members under 65, and those rates are often higher than what a 65-year-old pays.
At 65 you get a new six-month window like everyone else. You can move to any plan from any company at the rates for your age, often for less. We can walk you through the timing, and the Florida Office of Insurance Regulation oversees these rules.
Is it right for you?
Who tends to choose Medigap in Palm Beach County
-
You live here part of the year
Your coverage follows you to any doctor in the U.S. who accepts Medicare. You don't have to worry about a service area or a six-month time limit away from home. -
You see doctors in more than one system
If your cardiologist is with one hospital group and your surgeon with another, Medigap pays both the same way. -
You want to budget your health costs
A higher premium you can plan for may sit better with you than copays that add up toward a yearly out-of-pocket limit.
If a low premium and extras like dental matter more to you, read about Medicare Advantage in Palm Beach County or start with the Advantage vs. Medigap comparison.
Underwriting
Buying Medigap outside your window
Outside your six-month window and outside a guaranteed issue right, a company can ask about your health. Expect questions about diagnoses, surgeries, medications and pending tests. It can decline you or quote a higher premium.
Federal guaranteed issue rights apply in a short list of cases. Your Advantage plan leaves Medicare, stops serving your area, or makes a big change to its network. You move out of your Advantage plan's area. Your employer or union coverage that pays after Medicare ends. Your Medigap company goes under or misled you. Or you tried an Advantage plan for the first time and want out within a year. Most of these give you 63 days, so keep the letters that show when your old coverage ended.
If health questions look like a hurdle, we'll say so before you apply and go over Medicare Advantage as well. Thinking about a change? Read switching your Medicare plan.
Rates and travel
Rate increases, travel and a yearly price check
How your premium changes
The benefits don't change, so the price is what moves. With attained-age pricing, your rate rises as you get older, on top of any increase the company files for everyone. After several years, two companies selling the same Plan G can be far apart.
We can line up your premium against other companies we represent once a year. Because Florida has no yearly switching window, a move to a new company usually means answering health questions, so it's easiest while you're in good health.
Coverage away from Florida
Inside the U.S., Medigap and Original Medicare work with any provider that accepts Medicare. You can keep your policy if you move to another state, as long as you stay on Original Medicare.
Several plans, Plan G and Plan N among them, pay 80% of emergency care outside the U.S. after a $250 yearly deductible, up to a lifetime limit. For a long cruise or a stay overseas, travel medical insurance is still worth a look.
Common questions
Medigap questions to ask before you apply
How early should I apply?
Will my Medigap plan work when I'm at my other home up north?
Does Florida let me change Medigap plans each year around my birthday?
I'm under 65 and on Medicare because of a disability or kidney failure. Can I buy Medigap in Florida?
Can my Medigap company drop me?
Is Plan F still sold?
Do two companies' Plan G policies cover different things?
Where can I get free Medigap counseling in Florida?
Plan G or Plan N for your year?
We'll price both with the Florida companies we represent and show you the difference in dollars. Free, with no obligation.