Important: Medigap Plan F is not available to beneficiaries who became eligible for Medicare on or after January 1, 2020. If you were eligible before that date, you may still purchase Plan F if it’s offered in your area.
Plan F vs. Plan G: What’s the Difference?
Both Plan F and Plan G are among the most comprehensive Medigap options. The only difference is:
- Plan F: Covers the Medicare Part B deductible ($257 in 2025).
- Plan G: Does not cover the Part B deductible, but is otherwise identical.
This single difference often makes Plan G more affordable overall. For example, if Plan F costs at least $16 more per month than Plan G, you could be paying more in premiums than you would save by having the Part B deductible covered.
Coverage Comparison
| Medicare Supplement Benefits | Plan F | Plan G |
|---|---|---|
| Part A hospital care coinsurance & costs | ✔ | ✔ |
| Part A hospice care coinsurance/copayment | ✔ | ✔ |
| Part B coinsurance/copayment | ✔ | ✔ |
| First 3 pints of blood | ✔ | ✔ |
| Part A deductible | ✔ | ✔ |
| Skilled nursing facility coinsurance | ✔ | ✔ |
| Part B deductible | ✔ | ✘ |
| Part B excess charges | ✔ | ✔ |
| Foreign travel emergency | ✔ | ✔ |
Which Plan Is Right for You?
Plan F remains popular because it covers every possible Medigap benefit. However, Plan G has become the go-to choice for many new enrollees due to its lower premiums and nearly identical coverage.
When comparing quotes, always weigh the monthly premium difference against the $257 annual Part B deductible. In many cases, Plan G provides better value for the cost.
Next Steps
Ready to see which plan is right for you? Use our Medigap comparison tool to review Plan F and Plan G side by side, or speak with a licensed insurance agent for free quotes in your state.