• positive review  I am so thrilled to have this selection over with. The relief is beyond description. Joann listens and talks straight. And with me if I hear or feel something is off I will politely exit the conversation. My questions and feedback were truthfully answered and at no time did I get the feeling that I was being lead, pushed or a sales pitch was happening. It was great service. Thank you and thanks for listening.

    thumb Pilan Sue Butts
  • 5 star review  I found Joann on YouTube while researching supplemental insurance. Her videos are so easy to understand Medigap. I have been in contact via email and phone. I highly recommend watching her videos. Thank you Joann for making it easy to navigate this new chapter in my life.

    thumb Tina Hiebert
  • 5 star review  Best decision I made going through Remdigap. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joanne and walked through options, receieved some quotes she took care of the rest with absolutely no pressure. Oh yeah, her videos are clear and concise.

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  • 5 star review  My husband and I have been researching Medigap and Part D plans for months. Once we thought we knew what we were doing, we would find out we didn’t! Lol! If we would have started here, with Joann and REMEDIGAP, it would have been painless! So thankful we found her! Watch the videos, ask ANY question, and rest assured you’ll get a competitive rate and ZERO pressure. We got a super fast response which was helpful with my work schedule. Joann is genuine, easy to talk to, has a great sense of humor! What a Godsend. Feels like good old-fashioned customer service to me. Grateful.

    thumb Angele Navares
  • 5 star review  I came across Remedigap by chance and after reading some of the reviews I knew I had to check them out. I am so glad I did!!! So glad I had to tell anyone who will listen…hence this review. I cannot thank Joann enough for answering my questions at the 11th hour! She has, hands down, provided me with the most consise straightforward answers to my questions. Without so much as a hint of pressure in one direction or a other, so refreshing…so very important in this day and age when healthcare coverage can be dauntingly confusing! I appreciate it so much!

    thumb Elizabeth Tatge
  • 5 star review  Phoned them “cold” – based on a local area on aging recommendation and several comments penned by Ms. Quinn on websites. Unlike ALL other agencts, only Joann refrained from asking for my commitment to by a plan through them. At the same time, Joann put some searches into play and has promised to phone me once more with additonal input. It was I who offered to write this testimonial. Withouit purchasing a policy, it is the only way I know to express my gratitude for her professional conduct and genuine concern. Thank you, Joann! PS: You can take the teacher out of the school, but you can’t take the schoolteacher away. Your videos are very clearly laid-out: like a carefully constructed lesson

    thumb Karen P. Katz
  • 5 star review  Highly recommend REMEDIGAP videos if you want to understand the Medicare/medigap maze. Joann was thorough in her responses to my questions and requests for rates. Undoubtedly, I will be contacting this company when it is time for me to purchase a medigap policy.

    thumb Rick Graves
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    thumb Jack Broome
  • 5 star review  This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me.And when I need help later they will be there for me .

    thumb Diane Langille-stone
  • 5 star review  I left my Medicare Advantage HMO for a Medigap Plan N — I’m so happy I made the change. Joann was there to help me every step of the way and make the process so easy. What could have been an overwhelming situation ended up being completely stress free, thanks to Joann.

    thumb Lorraine Roche

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Medigap Plan F or Plan G

The Difference Between Plan F and Plan G is $183.

It really is quite that simple. The difference between Plan F and Plan G is the annual Part B deductible of $183. After the deductible is met, Plan G benefits are exactly the same as Plan F. Plan F benefits include coverage for all copays, deductibles and coinsurance. This type of coverage has made Plan F extremely popular among seniors on Medicare.

 Why Consider Plan G when Plan F is Popular?

It’s easy. Plan G is a great value and Plan F can cost you more money for basically the same coverage. Most people get Plan F because their friend has Plan F. Or, perhaps their agent or insurance carrier didn’t explain the other plans available.

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.

There are a couple reasons why an agent or insurance company might recommend Plan F over Plan G. 

  • 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 best plan they can offer is Plan F.

There is only 1 difference between the plans.  

This one difference is what can save you hundreds of dollars now and potentially thousands over time. Looking at the chart below, you can see the Part B deductible is not a Plan G benefit.

Medigap Plan Letter benefits

Although Plan F covers the Part B deductible, you’re still paying for it. It’s just added into your premium.

Why does Plan F cost so much more than Plan G?

There are several reasons. It costs money for the insurance company to manage, handle, and pay the Part B deductible payment for you.

This is factored into your premium dollar. So, you actually end up paying for this “convenience” with Plan F.

Plan F can also be more susceptible to rate increases. Because of its popularity and guaranteed acceptance with qualifying individuals, Plan F typically has more unhealthy people than Plan G. This equates to more claims and higher rates passed to the policy holder.

The future of Medigap Plan F and what you need to know.

Congress passed legislation prohibiting the sale of plans offering Part B deductible coverage. This includes Medigap Plan F. 

Insurance companies will no longer be able to sell Plan F to anyone who becomes eligible for Medicare on or after January 1, 2020.

Current policy holders and anyone purchasing before 2020 will be able to keep Plan F. In addition, if you are Medicare eligible before January 1, 2020, you are allowed to purchase Plan F after 2020.

Need an Example of how Plan F and Plan G compare?  

Mrs. Smith is a 70 year young woman who does not smoke. Mrs. Smith is currently on a Plan F and pays $1,800 a year in premiums.  

Let’s compare a Plan F to Plan G and calculate the savings.

1.  Plan F with Company ABC charges a yearly premium of $1,800.

2.  Plan G with Company XYZ charges a yearly premium of $1,400. 

Remember, the only difference with Plan G is that Mrs. Smith has to pay the Medicare Part B deductible ($166) instead of her insurance company incorporating it into the premium.  

Mrs. Smith is spending more on her premium for Plan F.

This is because the annual premium of Medigap Plan G plus the Part B deductible ($1,400 + $166 = $1,566) is less than the Plan F annual premium ($1,800).

Mrs. Smith would save $234 a year for Plan G. Including the Part B deductible…which is usually paid over several office visits.

Let’s also consider the long term effect of Plan G vs. Plan F.  Market history has shown that Plan G has stable rate increases.  Insurance companies like Plan G and some have even REDUCED Plan G premiums to get your business.  

Comparing premium rate increases over five years, we see the true value of Plan G. 

Year 2$127.45 (1)

Plan F is the most popular plan, however it can also be the most expensive.  

Plan F is the most comprehensive Medicare supplement plan. But as it’s been explained, Plan F is not necessarily the best value for your premium dollar.

As always, our goal is to show you how to save significant amounts of money by choosing the best plan for your premium dollar.

Thank you for reading The Difference Between Medigap Plan F and Plan G.  


By consulting directly with REMEDIGAP, you have access to personal service before, during, and after purchasing a Medigap plan. Education is key and we want you to understand Medicare and Medigap and how they work together. We will answer all your questions before you make a decision, so you’ll never feel rushed. You may already know a lot about Medicare and have no questions at all. Either way, we will customize our approach based on your needs. Once you decide what you want, we’ll guide you through the application process and be there every year to review your rate.

Joann Quinn

Joann Quinn

Hello, my name is Joann Quinn and I'm the co-founder of REMEDIGAP.com and a licensed independent insurance agent in multiple states. I've written over 50 articles about Medicare and Medigap insurance. My goal is to make Medicare and Medigap less confusing. I know Medicare seems overly complicated, but with some guidance you'll gain the confidence you need to make important decisions about your benefits.

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