Difference Between Plan F and Plan G

Since 2019 Medicare Supplement Plan F has been the most popular Medigap plan for the last 25-30 years. Starting January 1, 2020, Plan F was no longer available for beneficiaries new to Medicare. Learn more about the 2020 Medicare MACRA changes to Medicare Supplements.

Robert Bache calls Plan F “Full Coverage” because you can go to any doctor or hospital in the country as long as they accept Original Medicare and the services are covered. With Plan F you have no co-pays or deductibles, and this Medigap plan covers all your hospital and medical bills. However, in 2019, Robert recommends Medicare Supplement Plan G, which he calls “Greatest Value.”

The only difference in benefits between the Medicare Supplement Plan F and the Plan G is the Part B annual deductible, which for 2021 is $203. Once that deductible is paid, the Medicare Supplement Plan G coverage is the same as Plan F. Robert recommends Plan G over Plan F for two reasons:

Difference between Plan G and Plan F

  1. The difference in premiums between the two plans can save you money. The premium costs of Plan F is more per year than Plan G. If the only difference between the two plans is $203, why pay that much more in premiums for Plan F? Furthermore, beneficiaries who had Plan F for a few years, could probably save hundreds per  year by switching from the Plan F to Plan G.
  2. With the change to the Plan F by MACRA in 2020, Plan G has a much more stable premium than Plan F.


Last Updated on August 11, 2021 by Brian Kondas