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

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

Medigap Plan F vs. Plan G

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

Plan F or Plan G? This is a question that we hear all the time. We understand – it’s confusing. Let’s deep dive a bit into what each plan covers.

Medigap Plan F vs. Medigap Plan G Comparison

Overview of Medigap Plan F Benefits

Of the ten Medicare supplement plans, Medicare Supplement Plan F offers the most comprehensive coverage. This plan covers the gaps in both Part A and Part B. This includes:

  • Part A hospital deductible and coinsurance
  • Hospital costs up to an additional 365 days after Medicare benefits are exhausted
  • Part A Hospice care coinsurance or copayment
  • Blood (the first three pints)
  • Other Medicare approved expenses associated with Part A hospitalization
  • Medicare Part B coinsurance and copayment
  • Medicare approved doctor’s office fees
  • Part B deductible
  • Medicare Part B excess charges
  • Other Medicare approved expenses associated with Part B coverage
  • 80% of your foreign travel emergency

In the end, Plan F policyholders will essentially 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. The main difference between Plan F and Plan G are the premiums. Because of the difference in premiums, Plan G can sometimes be the smartest option.

Learn more about Medicare supplement Plan F: What Does Medicare Supplement Plan F Cover?

Overview of Medigap Plan G Benefits

Medicare supplement 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 2018), they essentially have the Plan F. Plan G monthly premiums are typically much less expensive than the Plan F premiums. Although the Part B deductible is not covered, Plan G policyholders will typically save money overall with 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 2018). Once the Part B deductible is paid, they both offer full coverage.

Learn more about Medicare supplement Plan G: Medicare Supplement Plan G

Which Medicare Supplement Plan Is Best for Me?

Your monthly Medigap premium depends on many factors such as your 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.

Feel free to view your Plan F or Plan G Medicare supplement rates online. Or, you can 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!

Compare Your Medicare Supplement Rates Immediately!

29 Replies to “Plan F vs. Plan G: Which Medigap Plan Should I Choose?”

  1. 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?

    1. 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!

    1. 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!

      1. Hi Mr. Moore,

        Because the price for your Medicare supplement is determined based on a variety of factors (age, gender, tobacco use, zip code, etc.), there is no way to have a concrete answer for this without some more information. That being said, about 60% of our clients have a Plan G, while only 25% have a Plan F. Typically, the price for a Plan G is low enough that the savings outweigh the Part B deductible you will have to pay.

        In order to view your unique rates for a Plan G compared to a Plan F, please fill out this form. You’ll be able to view rates immediately.

  2. 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?

    Terri

    1. 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: https://www.gomedigap.com/blog/part-d-enrollment/

      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. 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 .

    1. 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!

  4. In process of selecting a Part D coverage to my other coverage A & B the silverscript choice has a zero deductible where others in comparison have as much as $400.00 please advise me as to where this is possible, thank you

    1. Hi Darlene,

      When shopping for a Part D drug plan, I would recommend going directly to Medicare to get a full cost comparison of all of the plans available to you. Someone at Medicare will walk you through the entire process to make it easier for you. You can reach them directly at 1-800-633-4227.

      If you’d like to go directly with SilverScript, you can enroll online here: https://www.silverscript.com/learn/enroll.aspx

      Let me know if you have any further questions.

    1. Hi Betty,

      Medicare supplement plans in general do not cover prescription drugs. In order to get that coverage, you’ll need to sign up for Medicare Part D. Plan rates vary by the type of plan you choose, but they start at a very inexpensive rate.

      Although our agents do not sell Part D plans directly, they are trained to help you search for the right plan. If you’d like help finding the right Part D plan, please give us a call at (866) 894-3258, and one of our agents will be happy to help you.

  5. Hi, I live in Washington State and will be going onto Medicare Nov. 1, 2017. I’m looking at Plans F & G. It seems the math would indicate that Plan G is a better route to go but I don’t know the variables such as Plan G issuance guaranty, price rise, etc. Thanks for any info you can through my way.

    1. Hi Mike,

      Plan G definitely will have lower premiums. Many of our clients have a Plan G. However, whether or not this will be the right plan for you will determine on many factors, including your health status and where you live. Your premiums are dependent on these factors.

      In order to speak with you about which plan would be right for you, it would likely be best if one of our agents spoke with you directly. If you’d like, you can give us a call at (866) 894-3258, and one of our agents will be happy to help.

  6. I need help understanding these different plans. I am retired(age 63) my husband (will be 65 in November) is still working. I am the policy holder for our insurance. When I went to my retirement meting I was told that my husband would have to take Part A and Part B and that my insurance was his supplement (prescription ) . When you answered some people, you said that Part G does not cover Part B deductible of 183.00. Is that per month? Is there a premium for Part G?

    1. Hi Cheryl,

      Correct – Medicare Supplement Plan G does not cover the Part B deductible of $183. This deductible is annual, so once you pay it, you will not owe anything else for the year.

      There is a premium for Plan G, but there is not one specific amount for it. The premium will vary depending on which company you choose for your Medicare supplement.

      I think your needs would best be met with a phone call. Our agents are professionally trained in all things Medicare and Medicare supplement related. You’d be able to ask any questions and get some answers immediately. If you’d like to speak with one of our Medicare experts, please give us a call at (866) 894-3258. Or, to view your unique Plan G premiums online, please visit the following page: Compare Medicare Supplement Rates Online

  7. I am a 79 yrs old female and have Medicare part A & B, also Blue Cross Blue Shield of Illinois, Plan: MedSelect-plan N
    I’m wanting to find out if I would be better off having Part G, since it doesn’t have any co pays and it would pay the 15% excess charges?
    Also what company would cost me the least, as I’m on a fixed income and I’m in good health and do not smoke our drink alcohol beverages.
    Thank you for whatever information you can provide.

    1. Hi Ms. Wagner,

      Thank you for reaching out. Plan G is certainly becoming the most popular plan. However, in order to determine the best plan for your specific situation, we would need to know a bit more information. Additionally, because of the way the companies quote their plans, we’d need more information before we could determine which plan would cost you the least.

      To speak with someone about your health situation and get a quote for your Plan G rates, please call us directly at (866) 894-3258. Or, you can view your Medicare Supplement rates online. We look forward to speaking with you!

  8. Hello – I am 66 and my wife is 62 and we love in New Mexico. I have Part A and B with Plan G as well as Part D. We are both retired now and I am wondering whether my wife can be covered under me or she needs her own separate health insurance coverage until she reaches 65. Thank you.

    1. Hi Scott,

      Great question. Unfortunately, she will need her own separate insurance until she reaches 65 and joins Medicare.

    1. Hi there,

      Both Mutual of Omaha and Blue Cross Blue Shield are great companies and options for your Medicare supplement insurance. Really, it just comes down to which company offers you the lowest rate. Because the plans are standardized, both companies will offer you the exact same benefits for your Medicare supplement plan. The only difference is cost.

      If you’d like to review your Plan F and Plan G rates from both companies, you can view your quote online here. Or, you can reach out to one of our agents directly at (866) 894-3258, and we’ll be happy to assist you.

  9. I just signed up for part B as of 1/1/2018, have had part A since 2013 but have been covered under my wife’s plan. I quickly made a decision to go with a medicare advantage plan with the understanding I could convert to a medigap plan anytime during the next 12 months. Now I am not sure that is true but I get different answers from Medicare. Can you shed any light on that question and if possible advise as to how I should proceed keeping in mind I think I want to be on Part G within a year.
    Thanks

    1. Hi Mr. McDonald,

      If you enrolled in a Medicare Advantage plan and aren’t happy with the plan, you’ll generally have a special right to purchase a Medicare supplement plan if you return to Medicare Part A and Part B within 12 months of enrolling in the Medicare Advantage plan.

      To buy a Medicare supplement plan, you must first leave your Medicare Advantage plan and return to Original Medicare Parts A and B. However, you can only leave your Medicare Advantage plan during certain times of the year: During the Medicare Advantage Disenrollment Period (January 1-February 14), or during the Medicare Advantage Election Period (October 15-December 7). You’ll likely need to disenroll from your Medicare Advantage during the Medicare Advantage Election Period (October 15-December 7), and then immediately switch to the Medicare supplement plan.

      Before you make any changes, I recommend speaking with an independent Medicare supplement agent, who will be able to review rates and coverage with you to ensure you find a plan that meets your needs. If you’d like to speak with one of our professional, independent agents, please call us directly at (866) 894-3258. Or, you can view your Medicare Supplement Plan G rates online.

  10. I will turn 65 in August and my wife turns 65 in February. I have very good insurance from my employer and I have her insured on my company policy. My current plan is to work until February (June at the latest), when she is eligible for Medicare. Should I go ahead and sign up for plan B and G or F now, or wait until I need it in February?

    1. Hi Mr. Reeves,

      When you leave your job, you and your spouse can enroll in Part B. You’ll have a special enrollment period which lasts for eight months after you stop working. It’s imperative that you sign up during this time.

      Your enrollment period for a Medigap plan such as Plan G or F begins after you enroll in Part B.

      If you have any other questions or would like more guidance about when you should sign up, you can give us a call at (866) 894-3528 and one of our agents will be able to assist you.

      Have a great day!

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