Medigap Plan F and Medigap Plan G are the two most comprehensive Medicare Supplement Insurance plans. Plan F offers the most coverage, but it’s not available to everyone. Plan G covers nearly as much as Plan F — and it’s available for any Medicare member.

Because Plan F covers more than Plan G, it also costs more. If you qualify for Medigap Plan F, you should consider whether it’s worth the price increase over Plan G.

Here’s what you need to know about the difference between Medigap Plan F and Medigap Plan G to help you decide which is best for you.

Who can sign up for Medicare Supplement Plan F?
The main difference between Medigap Plan F and Medigap Plan G is that any Medicare beneficiary can buy Plan G, whereas Plan F is limited to beneficiaries who became eligible for Medicare before Jan. 1, 2020. For new Medicare beneficiaries, Plan F isn’t an option.

If you were eligible for Medicare before the start of 2020 and you bought Plan F, you can keep the plan.

If you were eligible for Medicare before the start of 2020 but didn’t enroll at that time (because you were still working and covered by an employer plan, for example), you may be able to buy Plan F when you do sign up for Medicare.

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What’s the coverage difference between Plan F and Plan G?
Medigap Plan F and Plan G have almost the same coverage. The only difference is the Medicare Part B deductible.

Benefits that are the same in Plan F and Plan G
Here are the benefits that both Medigap Plan F and Plan G cover, according to Medicare.gov:

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up.

Part A deductible.

Part A hospice care coinsurance or copayment.

Part B coinsurance or copayment.

Part B excess charges (if a provider is permitted to charge more than Medicare’s approved amount and does so).

Blood transfusion (first three pints).

Skilled nursing facility care coinsurance.

Medically necessary emergency health care service for the first 60 days when traveling outside the U.S. Deductible and limitations apply.

Benefits that differ between Plan F and Plan G
In addition to everything above, Medigap Plan F also covers the Medicare Part B deductible ($226 in 2023).

Plan G doesn’t cover that deductible. In fact, no Medigap plan sold to anyone who became eligible for Medicare on or after Jan. 1, 2020, can cover the Part B deductible.