MyMed360

Plan G vs. Plan F — Why Most Experts Recommend Plan G

Plan F has been the gold standard of Medigap coverage — it covers everything. But since 2020, new Medicare beneficiaries can't buy Plan F, and its premiums have been rising faster than Plan G. Here's why Plan G is now the better choice for most people.

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.

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.

Benefit-by-benefit comparison

Benefit
Plan G
Plan F

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)

No
Covered

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

Plan G is the better value for nearly everyone. You pay $283/year in Part B deductible, but save significantly more on premiums. Plan F's closed enrollment pool means its premiums will continue rising faster than Plan G's.

See what Plan G and Plan F cost in your state

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

Compare Plan G CarriersCompare Plan F Carriers