Quick answer
Plan G covers the same benefits as Plan F except the Part B deductible ($283 in 2026). If you became eligible for Medicare on or after January 1, 2020, you can’t buy Plan F, so Plan G is the most complete option available to you. If you were eligible earlier, compare premiums: Plan F only makes sense if its extra premium costs less than the deductible it covers.
Plan G vs Plan F at a glance
| Topic | What Medicare says | Source |
|---|---|---|
| Who can buy Plan F | Only people first eligible for Medicare before January 1, 2020 | CA Dept. of Insurance (NAIC) |
| Part B annual deductible | $283 in 2026; 2027 amount announced by CMS in November | CMS |
| High-deductible Plan F and G deductible | $2,950 in 2026; $3,050 in 2027 | CMS 2026, CMS 2027 |
| Part B standard monthly premium | $202.90 in 2026; 2027 amount announced by CMS in November | CMS |
Last reviewed October 26, 2026 by Greg Wilson against official Medicare.gov, CMS and state insurance department sources.
Many often ask which is better between Medicare supplement Plan F and G.
It is challenging to decide the best among these two unique plans.
It would be best to analyze each cover’s benefits and areas to know the best among them.
Let’s discuss Plan F and G.
What are the Benefits that Medicare Supplement Plan F Covers?
Medicare Supplement Plan F grants the most comprehensive coverage among the ten supplement plans hence, why many people opt for the plan.
Even though it is the most expensive among the ten supplement plans, its benefits supersede every other plan, making it more advantageous than any other plan.
Once you enroll in Plan F, you only have to pay your monthly premium; the plan takes care of your out-of-pocket expenses.
Some of the benefits of Medigap plan F are:
- It covers Part A coinsurance and hospital costs.
- It covers Part B coinsurance.
- It provides for three first pints of Blood.
- It caters to skilled nursing facility care coinsurance.
- It covers Part A and Part B deductibles.
- It covers overseas travel emergency costs.
The clause to Medicare Supplement Plan F is that if you became eligible on January 1, 2020, or later, you won’t be able to enroll, which is why many people are looking for an alternative. However, you can enroll if you become eligible before the date above.
What are the Benefits Medicare Supplement Plan G Covers?
Medicare supplement Plan G is similar to Medicare Plan F and offers equal benefits. However, if you enroll for Plan G, you must pay for your Part B deductible, which is $283 in 2026.
After this payment, the plan will cover every other out-of-pocket expense, and you will only need to pay your monthly premium.
Surprisingly, Medicare Supplement Plan G is cheaper than Plan F, which is the edge of Plan G over plan F.
Most times, the monthly premium payment of Plan F is more than Plan G, so it will be wise to enroll for Plan G instead of Plan F to save costs.
The benefits of Plan F and Plan G are similar, except that you need to pay for Part B deductible in Plan G, which you won’t pay for in Plan F.
Which Medicare Supplement Plan Should I Choose Between Medicare Supplement Plan F and Plan G?
We hysterically state which of the Medicare Supplement Plan you should choose because both offer almost the same benefits. So many people choose the plan which will save them more money.
Knowing the most cost-effective plan would help if you considered several factors. These factors are your zip code, age, your preferred private health insurance company, and their charges.
On Medicare.gov they explain the comparisons of Plans F & G.
Conclusion
The most critical condition you need to consider when choosing a Medicare plan is to examine which plan satisfies your needs and is also cost-effective. Medicare Plan G is not better than Plan F since Medicare Plan G covers one less benefit than Plan F. You are responsible for paying the Part B deductible, however Medigap Plan F covers the deductible.
Part of our Medicare Guide. Costs, enrollment deadlines, Medicare Advantage vs. Medigap, Part D and what Medicare covers, all in one place. See the full guide →
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