Plan F vs. Plan G: Which Plan Should I Choose?

Medigap Plan F vs. Plan G

Which Medicare Supplement Plan is Better? Plan F or Plan G?

Plan F vs. Plan G… This is a question that we hear all of the time. We understand – it’s confusing. First, let’s deep dive a bit into what each plan covers.

Medigap Plan F

Plan F offers the most comprehensive coverage of all Medicare Supplement plans. It covers your Parts A and B deductibles, Parts A and B coinsurance or copayments, blood, Part B excess charges and 80% of your foreign travel emergency. Essentially, Plan F policyholders will only pay their monthly premium. They will not incur any out-of-pocket costs for medical expenses. Because of this, the Plan F premium is generally the most expensive. Many people choose the Plan F because of its full coverage. However, because of the difference in premiums between the Plan F and the Plan G, Plan G can sometimes be the smartest option.

Medigap Plan G

Plan G is identical to Plan F, with the exception of the Part B deductible. Once Plan G policyholders pay their Part B deductible ($183 for 2017), they essentially have the Plan F. Plan G monthly premiums are typically much less expensive than the Plan F premiums. Therefore, although the deductible is not covered, Plan G policyholders will typically save money overall with the Plan G due to the premium difference.

Ultimately, Plan G has the same benefits as the Plan F, minus the Part B deductible ($183 for 2017). Once the Part B deductible is paid, they both offer full coverage.

Medigap Plan F vs. Medigap Plan G

Which Medicare Supplement Plan Is Best for Me?

Your monthly premiums depend on many factors: current health conditions, age, gender and the company you choose for your Medicare Supplement Insurance. Although the Plan F premium is more expensive, many individuals forego the less expensive Plan G and choose the Plan F simply because it offers full coverage.

In order to understand all of your options and which plan best fits your health conditions and lifestyle, we recommend that you speak with a Medicare Supplement Insurance agency like GoMedigap. At GoMedigap, we review your rates online from 30+ of the top Medicare Supplement Insurance providers, including AARP, Blue Cross Blue Shield, Mutual of Omaha and more. Our agents are professional, friendly, and treat their clients respectfully with unbiased advice and recommendations. If you are interested in receiving more information about your coverage options, please fill out this form and we will contact you shortly. Or, feel free to give us a call at (866) 894-3258, and one of our agents will be readily available to help you. We look forward to speaking with you soon!

Other posts you may enjoy:

What’s the BEST Medicare Supplement Insurance?

When Should I Get My Medigap Policy?


  1. Glenn says

    I plan on working until 67. I live in Florida. I turn 65 this summer. I work for a county government and have good insurance. Can I wait to get plans A, B , and G without penalty? I have a health condition and want to be accepted without complications if I wait until later.
    Can I get plan G with only Plan A now and have it pick up plan B when added to my profile?

    • Madeline Struve says

      Hi Glenn,

      If you plan on working until you are 67, then you would want to defer your Part B and wait to get the Plan G when you take your Part B. You cannot get a Medicare Supplement policy without having BOTH Medicare Parts A and B.

      Your group insurance will continue acting as the primary insurance until you retire and apply for Part B. You will not be denied Part B or Plan G as long as you keep the group coverage in place until you retire.

      For any other questions related to Medicare and/or Medicare Supplements, please call us at (866) 894-3258. Our agents will be happy to guide you in the right direction and make sure you have everything that you need for the coverage you desire. Have a great day!

    • Madeline Struve says

      Hi Catherine,

      The cost comparison will be determined based on a number of factors. There is a not a blanket premium for the Plan G. It is possible to switch to a Plan G from the Plan F, however, we would need to know a bit more about your current situation in order to provide the best recommendations for you.

      I see that you are a client of ours. We will have someone from our Rate Watch team reach out to you to determine if we can get you a better rate for your coverage, and to see if switching to Plan G would make sense for your situation.

      Have a great day!

  2. Terri Mashburn says

    I just turned 65. I have Medicare Part A and Supplemental Part G.
    I’m changing jobs soon and will lose my insurance coverage.

    Do I need Part B and Part D for Dr. visits and presciptions? How
    do I get Part D?


    • Madeline Struve says

      Hi Terri,

      That’s a great question. If you have a Medicare Supplement (Plan G for you), then that means that you have Medicare Part B. You can’t have a Medicare Supplement without having Medicare Part B.

      Part D is not included with your Medicare Supplement. We definitely recommend having Part D coverage for your prescription drugs, as pharmaceutical costs can get extremely high without proper coverage. If you don’t take your Part D coverage when you’re first eligible, there is a chance that you will be penalized down the road with higher monthly premiums.

      We wrote a blog post specifically addressing how to find the right Part D plan for you. If you’d like to take a look, you can follow this link:

      For additional assistance or to ensure that taking Part D is right for your situation, please give us a call at (866) 894-3258. While we do not actually sell Part D plans, we do have the tools to help you and find the best plan for you with ease. We look forward to speaking with you soon!

  3. Ronald DeMoulin says

    I have Medicare parts A & B since 03/01/2015 , I also have a supplemental plan N with Cigna for health ins.What would you suggest for a plan with no out of pocket expense for someone on a fixed income of pension and Social Security after retirement ? I’m also looking for a Dental Ins. plan that would possibly cover dental implants .

    • Madeline Struve says

      Hi Mr. DeMoulin,

      If you are looking for a plan with no out-of-pocket expense, that would be the Plan F. However, because Plan F premiums are typically high, Plan G may be the smarter option for you. The premiums are much lower, and the only out-of-pocket expense you will have (other than your standard monthly premiums) is the Part B deductible ($183 for 2017). Once you have met that deductible, you will have full coverage with no out-of-pocket cost.

      In regards to a dental plan, GoMedigap offers Dental, Vision and Hearing Insurance as low as $31/month.

      To best assess your options and provide a comprehensive recommendation, I recommend that you call us at (866) 894-3258. One of our knowledgeable agents will be able to understand your current situation and provide unbiased advice for your unique situation. We look forward to speaking with you soon!

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