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Choosing between Medigap Plan F and G

Christian Worstell by Christian Worstell Published Reviewed by John Krahnert

Medigap Plan F is the only Medigap plan that provides coverage for all 9 benefit areas. However, Plan F is not available to Medicare beneficiaries who became eligible for Medicare on or after January 1, 2020. 

If you are unable to get Plan F, Plan G provides similar coverage, and usually has lower monthly premiums.

One primary difference is that Medigap Plan F includes coverage for the Medicare Part B deductible. Medigap Plan G does not include this coverage.

The Medicare Part B deductible is $240 per year in 2024. 

If you're getting a quote for Medigap Plan F, it may be smart to also get a quote for Plan G. If the Plan F monthly premium is at least $19 higher than the Plan G monthly premium, you would be overpaying for the Part B deductible coverage, and Plan G may be the better deal.

Comparing plan benefits and cost

When comparing Medigap plans, benefits and premiums are two of the most important deciding factors.

Benefit differences

Both Medigap Plan G and Plan F provide high levels of coverage. The only Medigap benefit not included in Plan G is the Medicare Part B deductible. The following chart shows which Medigap plan covers the available benefits.

Medicare Supplement benefitsFG
Part A hospital care co-insurance & costs
Part A hospice care co-insurance or co-payment
Part B co-insurance or co-payment
First 3 pints of blood
Part A deductible
Part A skilled nursing care co-insurance
Part B deductible 
Part B excess charges
Foreign travel emergency

Cost differences

If you want a high-coverage Medigap plan, you should get a quote for both Plan F and Plan G since one plan may be less expensive.

For example, let's say you get a quote for both plans and the Plan F premium is $30 more per month than the Plan G premium. If you pay $30 more a month to have Medigap Plan F instead of Plan G, you'd be paying an extra $360 a year for an extra $240 in coverage (Part B deductible in 2024).

Keep in mind that the price gap between Plan F and Plan G will vary. The prices you are quoted will differ depending on the insurance company and your personal details.

On a national scale, Medigap Plan G is less expensive than Plan F, but premiums can vary widely depending on the insurance company and the state in which you live.

Despite the fact that Medigap Plan G can potentially save Medicare beneficiaries hundreds of dollars per year, more people choose Plan F compared to Plan G.

Compare Medicare Supplement Plan F vs. Plan G today

It's important to compare all your Medigap plan options. A licensed agent can help you compare plans and find one that makes sense for your unique health care needs.

Compare Medigap plans in your area.

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Choosing between Medigap Plan F and G

About the author

Christian Worstell is a licensed insurance agent and a Senior Staff Writer for MedicareSupplement.com. He is passionate about helping people navigate the complexities of Medicare and understand their coverage options.

His work has been featured in outlets such as VoxMSN, and The Washington Post, and he is a frequent contributor to health care and finance blogs.

Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. He currently lives in Raleigh, NC.

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