Medigap Plan F vs G: How does the plan F vs plan G conundrum play out?

medicare plan g vs f — Medicare Plan G vs F

The main discrepancy when comparing medicare plan F vs G is the coverage of the Medicare Part B deductible. Read on to realize that the only difference between plan F vs plan G is in terms of coverage.

If we talk about medicare Plan F vs G, Plan F provides full coverage of the Part B deductible, while Plan G does not provide any coverage for this deductible. Medicare Supplement Insurance plan F vs plan G both offer greater benefits than many kinds of Medicare supplement insurance plans (Medigap) that are obtainable in most states.

Medicare Supplement Insurance plans 2021: side by side medicare plan F vs G comparison

Medicare Supplement Benefits	A	B	C	D	F	G	K	L	M	N
Part A coinsurance and hospital coverage	✔	✔	✔	✔	✔	✔	✔	✔	✔	✔
Part B coinsurance or copayment	✔	✔	✔	✔	✔	✔	50^%	75^%	✔	✔
Part A hospice care coinsurance or copayment	✔	✔	✔	✔	✔	✔	50^%	75^%	✔	✔
First 3 pints of blood	✔	✔	✔	✔	✔	✔	50^%	75^%	✔	✔
Skilled nursing facility coinsurance			✔	✔	✔	✔	50^%	75^%	✔	✔
Part A deductible		✔	✔	✔	✔	✔	50^%	75^%	50^%	✔
Part B deductible			✔		✔
Part B excess charges			✔		✔	✔
Foreign travel emergency			80^%	80^%	80^%	80^%			80^%	80^%

NB: In the assessment of medigap plan F vs G, Plan F is not available to new beneficiaries who become eligible for Medicare on or after January 1, 2020.

Medicare plan F vs G: Enrollment rate, Coverage, Cost and Availability Differences

Enrollment rate in the medigap plan F vs G comparison

In a 2017 survey of medigap plan F vs G, 55% of all Medicare Supplement Insurance beneficiaries were enrolled in Medigap Plan F, which was by far the most popular type of Medigap plan. Plan G was the second-most popular Medigap plan type, with 13% of all Medigap enrollees.

Coverage of Medicare Part B deductible in the plan F vs plan G options

As mentioned earlier in the medicare plan F vs G comparison, Medigap Plan F provides coverage for Medicare Part B deductible ($233 as of ), while Medigap Plan G does not.

Cost in the medigap plan F vs G comparison

In the medicare plan F vs G evaluation, cost is offered by private insurers who have the liberty of fixing their own costs. Medicare Plan F may cost more than Plan G in some areas because plans offering more coverage often cost more than those offering less coverage.

Availability in the medigap plan F vs G comparison

Both plans – medigap plan F vs G – may not be obtainable in every state. Some individuals may have access to Plan F but not Plan G when comparing between plan F vs plan G, while others may be able to sign up for plan G but not Plan F. As with plan costs, the availability of plan F vs plan G may vary from one area to the next.

As of 2017, 85% of insurance carriers selling Medigap offered Medigap Plan F, while only 62% sold Medigap Plan G.

The law stipulates that if an insurance company sells Medicare Supplement Insurance, they must offer at least Plan A. If they choose to offer auxiliary plans, they must also offer at least Plan C or Plan F.