Medicare Supplement Plan F Vs Plan G
The Difference Between Plan F And Medigap Plan G Is $233
Is Medicare Plan G Better?
Some agents will quickly tell you that everyone gets Plan F because it “pays for everything”. This is true. But you also need to make sure Plan F’s premium suits your budget. Plan G can be a much better value considering the benefits and low premium.
Why Is Medicare Plan F Popular?
- Plan F typically has a higher premium than Plan G. The higher the premium the bigger the agent’s commission.
- Some insurance carriers don’t sell Plan G, so the top plan they can offer is Plan F.
Medicare Supplement Benefits | Plan G covers? |
---|---|
Medicare Part A coinsurance & hospital costs (up to additional 365 days after medicare benefits are used | YES |
Medicare Part B coinsurance or copayment | YES |
Blood (first 3 pints) | YES |
Part A hospice care coinsurance or copayment | YES |
Skilled nursing facility care coinsurance | YES |
Part A deductible | YES |
Part B deductible | NO |
Part B excess charges | YES |
Foreign travel emergency (up to plan limits) | YES |
Although Plan F covers the Part B ded, you’re still paying for it. It’s just added into your premium.
Why Does Plan F Cost So Much More Than Plan G?

Plan F is no longer available
Compare Medicare Plan F And Plan G
Mrs. Smith is spending more on her premium for Plan F.

Medigap Plan F Is The Most Popular- It’s Also The Most Expensive.
What About Plan N?
Medicare Supplement Plan F Benefits
Part A | |||
Services | Medicare Pays | This Plan Pays | You Pay |
---|---|---|---|
Hospitalization | |||
First 60 Days | All But $1,556 | $1,556 (Part A Deductible) | $0 |
61st Through 90th Day | All But $389 a Day | $389 a Day | $0 |
91st Day and After (60 Reserve Days) | All But $778 a Day | $778 a Day | $0 |
After Reserve (Additional 365 Days) | $0 | 100% of Eligible Expenses | $0 |
Beyond the Additional 365 Days | $0 | $0 | All Costs |
Skilled Nursing Facility Care | |||
First 20 Days | All Approved Amounts | $0 | $0 |
21st Through 100th Day | All But $176.00 a Day | Up to $176.00 a Day | $0 |
101st Day and After | $0 | $0 | All Costs |
Blood | |||
First Three Pints | $0 | 100% | $0 |
Additional Amounts | 100% | $0 | $0 |
Hospice Care | |||
You must meet Medicare’s requirements, including a doctor’s certification of terminal illness | All but very limited copayment / coinsurance for outpatient drugs and inpatient respite care | Medicare copayment / coinsurance | $0 |
Part B | |||
Services | Medicare Pays | This Plan Pays | You Pay |
---|---|---|---|
Medical Expenses | |||
1st $198 of Approved Amounts | $0 | $233 (Part B Deductible) | $0 |
Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
Part B Excess Charge | $0 | 100% | $0 |
Blood | |||
First Three Pints | $0 | 100% | $0 |
Next $198 of Approved Amounts | $0 | $203 (Plan B Deductible) | $0 |
Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
Clinical Laboratory Services | |||
Tests for Diagnostic Services | 100% | $0 | $0 |
Foreign Travel | |||
1st $250 each calendar year | $0 | $0 | $250 |
Remainder of Charges up to a lifetime maximum of $50,000 | $0 | 80% | 20% |
Medicare Supplement Plan G Benefits
Part A | |||
Services | Medicare Pays | This Plan Pays | You Pay |
---|---|---|---|
Hospitalization | |||
First 60 Days | All But $1,556 | $1,556 (Part A Deductible) | $0 |
61st Through 90th Day | All But $389 a Day | $389 a Day | $0 |
91st Day and After (60 Reserve Days) | All But $778 a Day | $778 a Day | $0 |
After Reserve (Additional 365 Days) | $0 | 100% of Eligible Expenses | $0 |
Beyond the Additional 365 Days | $0 | $0 | All Costs |
Skilled Nursing Facility Care | |||
First 20 Days | All Approved Amounts | $0 | $0 |
21st Through 100th Day | All But $176.00 a Day | Up to $176.00 a Day | $0 |
101st Day and After | $0 | $0 | All Costs |
Blood | |||
First Three Pints | $0 | 100% | $0 |
Additional Amounts | 100% | $0 | $0 |
Hospice Care | |||
You must meet Medicare’s requirements, including a doctor’s certification of terminal illness | All but very limited copayment / coinsurance for outpatient drugs and inpatient respite care | Medicare copayment / coinsurance | $0 |
Part B | |||
Services | Medicare Pays | This Plan Pays | You Pay |
---|---|---|---|
Medical Expenses | |||
1st $198 of Approved Amounts | $0 | $0 | $233 (Part B Deductible) |
Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
Part B Excess Charge | $0 | 100% | $0 |
Blood | |||
First Three Pints | $0 | 100% | $0 |
Next $198 of Approved Amounts | $0 | $0 | $233 (Plan B Deductible) |
Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
Clinical Laboratory Services | |||
Tests for Diagnostic Services | 100% | $0 | $0 |
Foreign Travel | |||
1st $250 during 1st 60 days | $0 | $0 | $250 |
Remainder of Charges up to a lifetime maximum of $50,000 | $0 | 80% | 20% |
Medicare Supplement Plan N Benefits
Part A | |||
Services | Medicare Pays | This Plan Pays | You Pay |
---|---|---|---|
Hospitalization | |||
First 60 Days | All But $1,556 | $1,556 (Part A Deductible) | $0 |
61st Through 90th Day | All But $389 a Day | $389 a Day | $0 |
91st Day and After (60 Reserve Days) | All But $778 a Day | $778 a Day | $0 |
After Reserve (Additional 365 Days) | $0 | 100% of Eligible Expenses | $0 |
Beyond the Additional 365 Days | $0 | $0 | All Costs |
Skilled Nursing Facility Care | |||
First 20 Days | All Approved Amounts | $0 | $0 |
21st Through 100th Day | All But $176.00 a Day | Up to $176.00 a Day | $0 |
101st Day and After | $0 | $0 | All Costs |
Blood | |||
First Three Pints | $0 | 100% | $0 |
Additional Amounts | 100% | $0 | $0 |
Hospice Care | |||
You must meet Medicare’s requirements, including a doctor’s certification of terminal illness | All but very limited copayment / coinsurance for outpatient drugs and inpatient respite care | Medicare copayment / coinsurance | $0 |
Part B | |||
Services | Medicare Pays | This Plan Pays | You Pay |
---|---|---|---|
Medical Expenses | |||
1st $198 of Approved Amounts | $0 | $0 | $233 (Part B Deductible) |
Remainder of Approved Amounts | Generally 80% | Balance, Other than Copays | Up to $20/$50 Copays, Emergency visit copay waived if admitted |
Part B Excess Charge | $0 | $0 | All Costs |
Blood | |||
First Three Pints | $0 | 100% | $0 |
Next $198 of Approved Amounts | $0 | $0 | $203 (Plan B Deductible) |
Remainder of Approved Amounts | Generally 80% | Generally 20% | $0 |
Clinical Laboratory Services | |||
Tests for Diagnostic Services | 100% | $0 | $0 |
Foreign Travel | |||
1st $250 each calendar year | $0 | $0 | $250 |
Remainder of Charges up to a lifetime maximum of $50,000 | $0 | 80% | 20% |
FAQ
which is better medicare plan f vs plan g?
The better plan will depend on your coverage goals and budget. Plan F makes sense if you want to simply pay a monthly premium and all of your Medicare approved claims paid. If you want to save some money and don't mind paying the Part B deductible yourself, then Plan G is a great choice.
should i switch from plan f to plan g?
This will be a personal decision and will depend on your coverage goals. If you want to save some money each year, then a Plan G is a great option. If you simply want the most coverage possible, no matter the cost -- then Plan F is the correct choice.
can i switch from medicare plan f to plan g?
Yes you can switch from Medicare Plan F to Plan G. However, you may be subjected to medical underwriting. This will be determined by the Medicare Supplement company that you apply with.