"We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.
Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options."
Not connected with or endorsed by the U.S. government or the federal Medicare program.
Medicare Supplement Insurance Education
Licensed insurance agent guidance for our neighbors in North Palm Beach, Jupiter, and Juno Beach—plus statewide support for Florida seniors.
Medicare Supplement Insurance (Medigap) rules are state-specific. In Florida, rating laws are designed to protect seniors from age-based premium hikes, a detail that requires localized expertise to navigate correctly.
At Healthy Florida Seniors, our licensed insurance agents help you understand these nuances to ensure your coverage choice is sustainable for your long-term budget.
North Palm Beach Office
537 US Highway 1 STE 4. We serve Juno Beach, Jupiter, and Palm Beach Gardens residents with personalized local consultations.
2026 Part B Deductible ($283):
For the 2026 calendar year, the annual Medicare Part B deductible is $283.
You must pay this out-of-pocket for services before Medigap plans begin
to pay for Part B covered services.
Prescription Drug Notice
Important: Medicare Supplement plans do not include prescription drug coverage (Part D). These must be purchased separately.
Benefit Definition
Plan G
Comprehensive Medigap coverage for predictable costs.
Medicare.gov Coverage Highlights:
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Part B Deductible: You pay the annual deductible
($283 in 2026). -
100% Coinsurance: Plan G covers Medicare Part B coinsurance at 100%.
-
Part B Excess Charges: Covered 100%.
Benefit Definition
Plan N
A popular alternative with lower monthly premiums.
Medicare.gov Coverage Highlights:
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Copays: Up to $20 for some office visits; $50 for ER (waived if admitted).
-
Part B Deductible: Enrollee pays the annual
deductible ($283). -
Excess Charges: Not covered. This is the primary distinction.
This is a solicitation for insurance. A licensed insurance agent can help you determine if this cost-sharing structure aligns with your healthcare needs and financial goals.
How Florida Protects Your Premiums
In many states, Medigap premiums use "Attained-Age" rating, where rates increase annually as you age. Florida is different. Most plans here use **Issue-Age rating**, meaning your rate is locked in based on your age at purchase.
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No automatic "birthday" price hikes
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Rate based on your age at entry
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More predictable long-term costs
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Budget stability for senior
Understanding Part B Excess Charges
According to Medicare.gov, if a provider doesn't accept "assignment," they can charge you up to 15% more than the Medicare-approved amount.
Technical Note:This 15% difference is an "excess charge." Plan G covers this 100%; Plan N does not.
Search Your Provider
Use the Care Compare tool on Medicare.gov to verify if your doctor accepts Medicare assignment.
IMPORTANT CMS DISCLOSURES:
Medicare has neither reviewed nor endorsed this information. Not connected with or endorsed by the United States government or the federal Medicare program. This is a solicitation for insurance. A licensed insurance agent may contact you by telephone or email.
Service Area Disclosure: North Palm Beach, Jupiter, Juno Beach, and statewide Florida consultations across all 67 counties.
Florida Medigap policies are generally priced based on your age when you first buy the policy ("issue-age"). Standardized plans are identified by letters A through N. Benefit details are sourced strictly from Medicare.gov. Premiums vary by carrier and location.
North Palm Beach Office
537 US Highway 1 Suite 4, North Palm Beach, Fl 33408. We serve Juno Beach, Jupiter, and Palm Beach Gardens residents with personalized local consultations.