MyMed360

Plan F vs. Plan G — Is 100% Coverage Worth the Premium?

Plan F covers 100% of Medicare gaps — zero out-of-pocket costs. Plan G covers everything except the Part B deductible ($283/year in 2026). The only practical difference is that $283 deductible, but the premium difference is often much larger.

F

Plan F

100% coverage — zero out-of-pocket gaps

Pre-2020 enrollees who want complete coverage with no out-of-pocket costs.

Only available to those eligible for Medicare before January 1, 2020.

G

Plan G

Most popular — covers nearly everything

People who want predictable costs with minimal out-of-pocket risk. The go-to plan for most new enrollees.

Benefit-by-benefit comparison

Benefit
Plan F
Plan G

Part A coinsurance & hospital costs

(up to 365 days after Medicare benefits used)

Covered
Covered

Part B coinsurance or copayment

Covered
Covered

Blood

(first 3 pints)

Covered
Covered

Part A hospice care coinsurance or copayment

Covered
Covered

Skilled nursing facility coinsurance

Covered
Covered

Part A deductible

($1,676 in 2026)

Covered
Covered

Part B deductible

($283 in 2026)

Covered
No

Part B excess charges

Covered
Covered

Foreign travel emergency

(up to plan limits)

Covered
Covered

Rows highlighted in amber show where coverage differs between the two plans.

Bottom line

If you're eligible for Plan F (Medicare-eligible before January 2020), compare the premium difference to $283. If Plan F costs more than $24/month extra, Plan G saves you money. Most people on Plan F would save by switching to Plan G.

See what Plan F and Plan G cost in your state

Premiums vary by carrier, state, age, and gender.

Compare Plan F CarriersCompare Plan G Carriers