Chaperone Health Insurance Plus
How Much Does Medicare Supplement Insurance Cost in Fort Lauderdale?
Reviewed October 2026 · Covers the 2027 plan year
“How much does Medigap cost?” is one of the first questions people ask me, and the honest answer is that it depends on you. Medicare Supplement (Medigap) premiums are set by each insurance company, and the price for the same plan letter can change with your age, your ZIP code, whether you use tobacco, and when you apply. I’m Roxroy Ashley, an independent licensed agent with HealthMarkets, based in Fort Lauderdale. In this guide, I explain what sets the cost of Medicare Supplement plans in Florida, so you know what you’re comparing before you look at a single quote.
I don’t list prices on this page, because any number I posted would be wrong for most readers and could change before you apply. What I can do is walk you through the factors, point you to the state’s own rate tool, and run a personal quote for you. When you’re ready, book a free plan review and I’ll get back to you personally within 24 to 48 hours.
I’LL EVEN CALL YOUR DOCTOR
Get a Free Quote From a Broker Who Compares Medicare Supplement Plans in Florida
Every insurer sets its own price for the same plan letter, so the only way to know your Medicare Supplement cost is a quote on your details. I check:
- The same plan letter across the carriers I represent, including how each one sets and raises rates
- Your prescriptions and pharmacy against each Part D plan you’d add
- Your full-year cost, with Part B, Part D, and the costs your Medigap plan leaves to you
If anything is unclear, I call your doctor’s office to confirm it. Your quote is free, with no obligation to enroll. Get your free quote and I’ll do the research for you.
Hear how I help you choose a plan with confidence.
MORE THAN A FREE QUOTE
Why Choose Me to Compare Medicare Supplement Costs
When you want to know what a Medigap plan would really cost you, here’s what to look for in an agent, and what you can expect from me.
Side-by-Side Quotes on Your Details: I quote the same plan letter across the insurers I can offer, using your birth date, ZIP code, tobacco use, and household, so you see real differences instead of guesses.
Your Doctors, Hospitals, and Prescriptions Checked First: With Medigap, your doctors are covered anywhere Medicare is accepted, so I check whether they accept assignment and run your prescriptions and pharmacy through each Part D plan we pair with your Medigap plan.
Every Question Answered, at Your Pace: Rating methods, rate histories, and discounts are confusing, and most people spend less than an hour comparing quotes. I take as long as you need, explain each piece in plain language, and answer every question until it makes sense. There’s no pressure and no obligation to enroll.
The Plan That Costs Less for You: A policy that starts lower isn’t always the one that costs less over time. I explain each policy’s rating method and rate history, and add your Part B premium, Part D plan, and the costs your Medigap plan leaves to you into a full-year estimate.
My Help Costs You Nothing Extra: Insurers pay my commission, and plan premiums are generally the same whether you enroll through me or directly, so you get personal guidance and ongoing support at no additional charge.
Both Paths, Side by Side: Medicare Advantage, Medigap, and Part D each work differently. I lay out every path that fits your situation and explain what you’d gain and give up with each, so you decide with the full picture.
I Handle the Paperwork and the Timing: I help you apply during your Medigap Open Enrollment Period or another guaranteed issue window when you have one, and if underwriting applies, I explain what the insurer may ask before you apply. If you choose a plan, I complete the application with you and follow it through to approval.
Licensed and Verified: I’m licensed in 33 states, I complete AHIP’s annual Medicare certification, and I’m certified for the 2027 plan year. You can verify my license (Florida License #W323530, NPN #17946070) anytime through your state’s insurance department.
I Stay Your Agent After You Enroll: Work with me directly, in person, by phone, on Zoom, or at your home in Broward, Miami-Dade, or Palm Beach, and I reply within 24 to 48 hours. I review your coverage every Annual Enrollment Period, look at rate increases with you, and help with claims and billing in between.
You can read all 25 reasons we should work together on my Why Choose Me page.
WHAT YOUR PRICE IS BUILT ON
Medigap Cost Comparison Chart: The Factors Behind Your Premium
If you’re new to Medigap, my Medicare Supplement plans page explains how the plans work before you compare prices.
Most people searching for a Medigap cost comparison chart expect a table of prices. Here’s a more useful version: a chart of the factors that move your premium up or down. Once you know these, you can compare quotes fairly and spot why two quotes for the same plan look so different.
| Cost Factor | What It Means | How It Can Affect Your Premium |
|---|---|---|
| Plan letter | Medigap plans are standardized by letter (such as G or N), so each letter covers the same basic benefits with every insurer | Plans that cover more of your costs usually cost more. Plan G pays more of your bills than Plan N, for example |
| Insurance company | Each insurer sets its own price for each plan letter | The same plan letter can be priced very differently from one insurer to the next |
| Age | Your age when you buy the policy | Older applicants usually pay more when they first buy, so buying at 65 often locks in a lower starting price |
| ZIP code | Insurers price by area, so your home address matters | Rates in Fort Lauderdale and the rest of Broward County can differ from Miami-Dade, Palm Beach, and other Florida counties |
| Tobacco use | Many insurers ask whether you use tobacco | Tobacco users may pay more with some insurers |
| Sex | Some insurers price differently for men and women | Your quote may differ from your spouse’s for the same plan |
| Rating method | How the policy is priced over time (Florida bars attained-age pricing on policies sold mostly to people 65 and older) | Changes how your premium is likely to rise over time |
| Discounts | Some insurers offer household, spouse, annual-payment, or automatic-payment discounts | A discount can lower your premium, but it isn’t offered by every insurer |
| Enrollment timing | Whether you apply during your Medigap Open Enrollment Period or another guaranteed issue window | Outside those windows, insurers may use your health history to decide whether to accept you and what to charge |
| Plan version | Medicare SELECT and high-deductible versions of some plans, where available | These usually cost less in exchange for a network or a higher deductible |
Plan letter: In Florida, as in most states, the plan letter decides your benefits and the insurer decides your price. Since 2020, people new to Medicare can’t buy Plan C or Plan F, so most people new to Medicare compare Plan G and Plan N. I explain those two in detail in my Medicare Plan G vs. Plan N in Florida guide.
Your ZIP code: Insurers set prices for areas, so moving across a county line, or into Florida from another state, can change your premium even if nothing else changes. That’s why I always quote with your actual ZIP code.
Discounts: According to Medicare.gov, some insurers offer discounts to women, non-smokers, married people, people who pay yearly or by automatic payment, and people with more than one policy. A household discount for two people living together is one of the most common. Discount rules vary, so I check them for each insurer I quote.
Medicare SELECT and high-deductible plans: A Medicare SELECT policy usually costs less, but you need to use its network hospitals (and sometimes doctors) for non-emergency care to get full benefits. A high-deductible Plan G has a lower premium, but you pay a set amount of Medicare-covered costs first, an amount Medicare updates each year, before it starts paying. Both can work well for the right person, and I’ll explain the trade-offs if either is available in your area.
How Insurers Set and Raise Medigap Prices Over Time
What you pay in your first year is only part of the picture. How an insurer prices its policy also affects what you’re likely to pay at 70, 75, and beyond. Nationally, Medigap policies use one of three rating methods. With attained-age rating, your premium goes up as you get older. With issue-age rating, your premium is based on your age when you first buy the policy, so it doesn’t rise just because you age. With community rating, everyone with the policy in an area generally pays the same premium regardless of age.
How it works in Florida: Florida law bars attained-age premium structures on policy forms where more than half of the policies are issued to people 65 and older (Florida Statutes 627.410). So the Medigap policies most people buy at 65 in Florida aren’t priced to rise simply because you get older. Your premium can still go up for other reasons, like rising medical costs and the claims of the group of people with your policy. Before you apply, I’ll explain how each policy we’re comparing is priced, so you’re comparing long-term cost and not only this year’s price.
Rate increases: Medigap premiums typically go up over time for every rating method. According to the Florida Office of Insurance Regulation’s 2026 Medigap FAQ, insurers can raise premiums because of inflation, the claims experience of the group of people with that policy, or benefit changes such as a higher Part A deductible. Increases must apply to the whole group of people with that policy, insurers can’t single you out because of your health or the number of claims you file, and the Office of Insurance Regulation must approve a rate increase before it takes effect. When I compare insurers, I look at how their rates have changed in the past, since a low starting price doesn’t tell you how a policy will be priced later.
Why Timing Changes the Cost of Medicare Supplement Plans
When you apply can matter as much as which plan you choose. Your Medigap Open Enrollment Period is a one-time, six-month window that starts the first month you’re both 65 or older and enrolled in Part B. During that window, an insurer can’t turn you down, can’t use your health history to decide whether to sell you a policy, and can’t charge you more because of health problems.
Outside that window, unless you have a guaranteed issue right, insurers in Florida can use medical underwriting. That means they can ask health questions, decline your application, charge you more, or make you wait up to six months for coverage of a pre-existing condition. Florida doesn’t have a “birthday rule” that gives you a yearly chance to change Medigap plans without health questions, so a lower price from another insurer later on is only an option if you can qualify.
If you’re thinking about switching: A lower premium can be worth a look, but before you cancel a policy you have, make sure the new insurer has approved you, compare the new insurer’s rating method and rate history, and remember that your current policy’s benefits and acceptance are already secure. I’ll lay out what you’d gain and what you’d give up, and if staying put makes more sense, I’ll tell you.
If you’re under 65: People who have Medicare because of a disability or End-Stage Renal Disease have their own six-month Medigap open enrollment in Florida, starting when they enroll in Part B. Premiums are typically higher before 65, and Florida gives you another open enrollment period at 65, when age-65 rates apply.
If a Medicare Advantage plan is leaving your area or you’re losing other coverage: You may have a guaranteed issue right to buy certain Medigap plans without health questions. My guide to switching from Medicare Advantage to Medigap without underwriting explains when that applies. If you’re turning 65, my Turning 65 Medicare Checklist helps you plan the timing.
The Other Costs to Budget for Besides Your Medigap Premium
Your Medigap premium is only one line in your Medicare budget. When I build a full-year cost estimate, I include these too:
Part B premium and deductible: You keep paying your Part B premium when you have a Medigap plan. In 2026, the standard Part B premium is $202.90 a month and the Part B deductible is $283 a year, according to Medicare.gov, and people with higher incomes pay more for Part B. CMS usually announces the next year’s amounts in the fall, and the 2027 figures had not been announced when this guide was reviewed. Plan G and Plan N don’t pay the Part B deductible, so you pay it yourself each year.
Part D drug coverage: Medigap plans sold today don’t include prescription drug coverage, so most people add a standalone Part D plan with its own premium and drug costs. For 2027, Medicare limits Part D deductibles to $700, and covered drug costs stop at $2,400 in out-of-pocket spending. My guide to 2027 Medicare Part D costs explains each stage.
Excess charges: Doctors who don’t accept Medicare assignment can charge more than the Medicare-approved amount, in many cases up to 15% more, according to Medicare.gov. Plans F and G cover Part B excess charges, while Plan N and most other letters don’t. If you see specialists who don’t accept assignment, this can change which plan costs less for you.
Copays on some plans: Plan N has copays for some office and emergency room visits, and Plans K and L share costs with you up to a yearly limit. These are part of your real yearly cost, not only the premium.
Income-related amounts: People with higher incomes pay an extra amount for Part B and Part D, based on their income from two years earlier. I can show you how that appears in your Medicare costs, but I can’t give tax advice, so please talk with your tax professional about income planning. My guide to IRMAA and Medicare planning covers how it works.
If you’re still deciding between Original Medicare with Medigap and a Medicare Advantage plan, the costs work very differently on each path. Medicare Advantage is a separate way to get your Medicare benefits, not a supplement, and my Medicare Advantage vs. Medicare Supplement in Broward County guide compares them side by side.
How to Compare Medigap Cost in Fort Lauderdale
Compare the same plan letter: Since benefits are the same for each letter, compare Plan G to Plan G and Plan N to Plan N. Comparing different letters means comparing different coverage.
Use the same details for every quote: Your birth date, ZIP code, sex, tobacco use, start date, and household status should match on every quote, or the comparison won’t be fair.
Check the state’s sample rates: The Florida Office of Insurance Regulation offers the CHOICES Rate Comparison Tool, which shows sample Medicare Supplement rates for any Florida county, including Broward. The state says these rates are for illustrative purposes only, so treat them as a starting point and confirm your actual rate with a quote.
Look past the first-year price: Ask about the rating method, past rate increases, and which discounts apply. A policy that starts lower isn’t always the one that costs less over time.
Get help from a neutral source if you’d like one: In Florida, you can get free, unbiased Medicare counseling through SHINE at 1-800-963-5337. You can also learn more about your Medicare options on my Medicare overview page or browse every guide in my Medicare Knowledge Center.
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Enrollment and Timing
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Find the Right Coverage for Every Stage of Life
Most households need more than one kind of coverage, and what you need changes as life does. Keep reading for the details on this page, or see all the coverage I help with and my guides to each type of insurance:
Frequently Asked Questions About Medicare Supplement Costs
How Much Does Medigap Cost, and Does Your Help Cost Extra?
My help comes at no extra cost to you, and quotes and plan reviews are free with no obligation to enroll. Insurers pay my commission, and premiums are generally the same whether you enroll through me or directly with the insurance company. What a Medigap plan costs you depends on the plan letter, the insurer, your age, ZIP code, tobacco use, rating method, discounts, and when you apply. Your true yearly cost also includes your Part B premium and deductible, a Part D plan, and any copays or excess charges your plan doesn’t cover, so I give you a full-year cost estimate before you choose. If your income and resources are limited, you may qualify for a Medicare Savings Program, which can help pay your Part B premium, or Extra Help with Part D drug costs. All quotes are estimates and are not final until you’re enrolled.
What Is the Average Cost of a Medicare Supplement Plan?
There’s no single average cost of Medicare Supplement coverage that would tell you what you’d pay, which is why I don’t publish one. An average would blend different plan letters, ages, ZIP codes, tobacco rates, and rating methods, and premiums change over time. A number that fits a 65-year-old non-smoker in one county could be far off for a 72-year-old in another, or for someone applying with health questions. The CHOICES Rate Comparison Tool from the Florida Office of Insurance Regulation shows sample rates by county, and a personal quote shows your actual price.
How Much Does Medigap Cost Per Month?
Your monthly Medigap cost depends on the same factors in the chart above, plus how you pay. Some insurers offer a discount for paying yearly or by automatic payment. Remember that your Part B premium and any Part D premium are paid separately, so your monthly Medicare total is more than your Medigap premium alone. I’ll show you the full monthly and yearly picture in your quote.
How Much Is a Medicare Supplement Plan in Fort Lauderdale Compared With Other Parts of Florida?
Insurers price by area, so a plan in Fort Lauderdale or elsewhere in Broward County can be priced differently from the same plan in Miami-Dade, Palm Beach, or another Florida county. The only way to know is to quote with your ZIP code. If you’re moving within Florida or from another state, I’ll check how your new address affects your options. My Moving to Florida With Medicare guide covers what else to review.
Why Did My Medigap Premium Go Up?
Medigap premiums can rise because of inflation, the claims of the group of people with your policy, or benefit changes. In Florida, a rate increase must apply to the whole group with that policy and be approved by the Office of Insurance Regulation first. If your premium has gone up, I can compare other options with you, but outside your open enrollment you may need to pass health questions to switch, so I’ll explain what you’d be giving up before you decide.
Does a Well-Known Insurance Company Charge More for the Same Plan?
Not necessarily. Each insurer sets its own price, and a familiar name doesn’t guarantee a higher or lower premium. Because the benefits for a plan letter are the same across insurers, the differences to compare are price, rating method, rate history, discounts, and service. I’ll compare the insurers I can offer for your plan letter and tell you how each one prices its policy.
Does Plan G or Plan N Cost Less?
Plan N usually has a lower premium than Plan G, but it leaves more costs to you, including copays for some visits and Part B excess charges. Which one costs less over a year depends on how often you see doctors and whether they accept Medicare assignment. My Plan G vs. Plan N guide walks through the trade-offs.
Do You Offer Every Medicare Plan in My Area?
For Medigap, I’ll tell you upfront which insurers I can quote in your ZIP code. For Medicare Advantage and Part D plans: We do not offer every plan available in your area. Currently we represent 8 organizations which offer 65 products in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day, 7 days a week, to get information on all of your options. You can also reach the Florida Department of Financial Services consumer helpline at 1-877-693-5236 or SHINE at 1-800-963-5337.
Book a Free Plan Review
Want to know what a Medicare Supplement plan would cost you? Pick a time for a free 15-minute call by phone or video. Have your birth date, ZIP code, and Medicare start date handy, and I’ll compare quotes for you. My help never costs you anything extra.
Call or text: (954) 410-3710
Email: contact@chaperonehealthinsuranceplus.com
Office: 6360 NW 5th Way Ste 101, Fort Lauderdale, FL 33309
Meet by: phone, video, at my office, or at home in Broward, Miami-Dade and Palm Beach.
- How It Works
How we'll work together
Five steps, no pressure, and I stay with you after you enroll.
1
We talk about you
By phone, Zoom or face to face. Your health, your budget, your doctors.
2
I check the details
Doctors, hospitals, prescriptions and pharmacy, checked against each plan.
3
We compare real costs
A full-year estimate for each option, explained in plain language.
4
You decide, I enroll you
No pressure. If you choose a plan, I handle the application with you.
5
We review every year
Plans and networks change. I check yours each year and help with claims in between.