Compare Medicare Supplement Plans in Florida and Texas

If you’re a senior in Florida or Texas, you can purchase a Medicare Supplement (Medigap) plan that pays after Medicare to help with the deductibles, copayments, and coinsurance that you’d otherwise owe. 

Since there are many different plans and companies to choose from, it helps to work with a licensed expert, like the ones at Lacayo Group Insurance. You don’t have to call multiple companies asking for quotes. We make it easy to get everything you need — all in one place!

Medicare Supplement Plans Chart

* This out-of-pocket limit can change from year to year.

** Plan N has up to a $20 copayment for doctor’s office visits and up to a $50 copayment for emergency room visits. 

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What Are the Most Popular Supplement Plans?

Plans F, G, and N are the most popular Medicare Supplements because they leave you with little to no out-of-pocket costs. Below is a short summary of what each plan covers.    

Plan F

Plan F is the most comprehensive supplement plan. However, it’s only available to those who were eligible for Medicare before January 1, 2020. New beneficiaries will find that Plan G is a good alternative to F, and it could save you hundreds of dollars in premiums. 

What makes Plan F the most comprehensive plan? It has the most benefits by definition, covering both the Part A and Part B deductibles, and all copayments and coinsurance — so you pay nothing out of pocket. 

Plan G

Those who became eligible for Medicare on or after January 1, 2020, will see that Plan G is the most comprehensive supplement plan available. It covers your Medicare Part A hospital deductible and coinsurance, an extra year of hospital benefits, hospice care, and the first three pints of blood, and foreign travel emergency coverage up to the plan’s limit. If you enroll in Plan G, you’ll be responsible for the Part B deductible. 

The benefits for Plan G policies will be the same across insurance companies. But the prices will vary from company to company, and that’s where we come in. 

Plan N

Plan N is a good option for Florida seniors who want to pay a lower premium in return for paying a small yearly deductible and some copayments. Plan N covers many items in the hospital, including: the Part A deductible and your coinsurance, an extra year of hospital benefits after Medicare’s benefits run out, hospice care, and the first three pints of blood, PLUS foreign travel emergency coverage up to the plan’s limit. 

To learn more about Plan N in Florida, or to get quotes, please call us today.

We Can Help You Secure the Lowest Rate

At Lacayo Group Insurance, we can help you get you the lowest rate for your Medigap plan without sacrificing coverage. We have experience in the Medicare market, and we have access to many of the “A-rated” carriers in Florida and Texas. This means you can compare plans with us to make sure you’re truly getting the best value. Reach out to us today!