Medicare Insurance · Comparison
Medicare Supplement Plan F vs Plan G
Plan F was the most comprehensive Medicare Supplement plan — it covered everything including the Part B deductible. However, Plan F is no longer available to people who became eligible for Medicare on or after January 1, 2020. Plan G is now the most comprehensive plan available to new enrollees.
Plan F vs Plan G — Key Differences
| Feature | Plan F | Plan G |
|---|---|---|
Plan F: covered everything including Part B deductible — no longer available to new enrollees after Jan 1, 2020 | ||
Plan G: covers everything except the Part B deductible ($257 in 2026) | ||
If you enrolled before 2020, you may still have Plan F — it's worth comparing rates | ||
Plan G rates are often lower than Plan F rates for the same carrier | ||
High-Deductible Plan G is available as a lower-premium alternative | ||
An independent agent can compare Plan F vs Plan G rates if you enrolled before 2020 | ||
The Patriot Plans Verdict
If you're new to Medicare (eligible after Jan 1, 2020), Plan G is your most comprehensive option. If you have Plan F from before 2020, compare rates — Plan G may be cheaper even though you'd pay the Part B deductible.
Still Not Sure Which Is Right for You?
Patriot Plans is 100% independent. We compare both options from vetted carriers and recommend the one that's right for your specific situation — no sales pressure, no commissions driving our advice.