Does Medigap work outside Florida?

Yes. Medigap works with Original Medicare, which covers providers across the U.S. who accept Medicare.

Can a company turn me down for Medigap in Florida?

During your Medigap Open Enrollment Period or with a guaranteed-issue right, generally no. At other times, companies can generally review your health history.

Medicare Supplement (Medigap) plans in Florida

A Medicare Supplement policy helps cover costs Original Medicare leaves behind and works with any provider nationwide that accepts Medicare, which is why many Florida snowbirds consider one. Plans with the same letter have the same basic benefits with every company, but prices and pricing methods differ. This guide explains the rules; it does not quote prices.

Your Medigap Open Enrollment Period

Federal rules give you six months of Medigap open enrollment starting the month you are 65 or older and enrolled in Part B. During it, companies cannot deny you or charge more because of your health. Outside it, companies can generally use medical underwriting unless a guaranteed-issue right applies.

Why travelers look at Medigap

Because Original Medicare covers providers nationwide who accept Medicare, a supplement can fit people who split time between Florida and another state. Some plan letters also include limited foreign travel emergency coverage.

No network restrictions with Original Medicare providers
Does not include prescription coverage; add Part D
Cannot be used with Medicare Advantage
Compare how each company sets and raises its rates

Under 65 with Medicare

Florida has rules for people under 65 who have Medicare because of a disability, but options and pricing can differ from those for people 65 and older. Ask how current Florida rules apply to you.

Leaving Medicare Advantage

If you leave a Medicare Advantage plan for Original Medicare, you may need to answer health questions to buy Medigap unless a trial right or other guaranteed-issue right applies.

Questions to ask before you choose

Am I still in my six-month Medigap Open Enrollment Period?
Do I travel enough that nationwide access matters to me?
How has this company priced and raised rates over time?
Which Part D plan works with my prescriptions?

Frequently asked questions

Does Medigap work outside Florida? Yes. Medigap works with Original Medicare, which covers providers across the U.S. who accept Medicare.
Can a company turn me down for Medigap in Florida? During your Medigap Open Enrollment Period or with a guaranteed-issue right, generally no. At other times, companies can generally review your health history.

Important notice

Plan availability and benefits vary by county, plan, and individual circumstances. The Annual Enrollment Period (Oct 15 – Dec 7, 2026) is different from your Initial Enrollment Period around your 65th birthday and from Medigap open enrollment.
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, 1-800-MEDICARE, or your local State Health Insurance Program (Florida SHINE) to get information on all of your options. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program.
RGI Group is an independent insurance agency based in Austin, Texas; Rolando Gutierrez is licensed in Florida. We are not Medicare or CMS. Consultations are by phone or video, at no cost and with no obligation. A request is not a confirmed appointment, enrollment, or Medicare permission-to-contact or scope-of-appointment. Do not submit Medicare or Social Security numbers or medical details.

Talk with a licensed Texas agent

Call 346-888-0811. Office: 5900 Balcones Drive, Ste 100, Austin, TX 78731. Monday–Sunday, 8:00 AM–11:00 PM. Licensed in Texas. Guidance available in English and Spanish.