Medigap plans F and G are similar, but Plan F covers the Part B deductible while Plan G doesn’t. Plan F is also being phased out. Those eligible for Medicare as of January 1, 2020, cannot choose F.

Medicare supplement insurance (Medigap) can help pay for healthcare costs not covered by Original Medicare (Parts A and B).

It includes 10 different plans, each designated with a letter: A, B, C, D, F, G, K, L, M, and N. Each plan includes a specific set of basic benefits, regardless of which company sells it.

Anyone eligible for Medicare is eligible for Medigap, and anyone ages 65 or older enrolled in Original Medicare can purchase Plan G.

However, the enrollment criteria for Plan F changed after Congress passed the Medicare Access and CHIP Reauthorization Act (MACRA).

  • If you were already enrolled in Plan F, you can keep your plan.
  • If you were eligible for Medicare but did not enroll in Plan F before this date, you can still enroll in it if it’s available in your service area.
  • If you’re first eligible for Medicare on or after this date, you cannot enroll in Plan F.

Plan F covers the Part B deductible, and Plan G does not. The rest of the coverage is the same.

Both plans cover 100% of the following costs:

  • Part A deductible
  • Part A coinsurance and copays
  • Part B coinsurance and copays
  • Part B excess charges
  • blood (first 3 pints)

Both plans also cover 80% of the Medicare-approved cost for emergency medical care during international travel.

Your Medigap plan will require you to pay a monthly premium. The amount depends on your policy, plan provider, and location. Compare Medigap policy prices in your area before deciding on one.

Both plans also have a high-deductible option in some states. In 2025, this deductible is set at $2,870, which must be paid before either policy begins paying for benefits.

Below is a 2025 cost comparison of Plan F and Plan G premiums in four cities across the United States.

Plan FPlan F (high deductible)Plan GPlan G (high deductible)
Atlanta, GA$149 to $3,879$47 to $826 $129 to $2,805$42 to $990
Chicago, IL$137 to $1,065$42 to $198 $106 to $830 $40 to $245
Houston, TX$148 to $995$39 to $461$124 to $943$35 to $330
San Francisco, CA$162 to $1,174$32 to $221$144 to $1,029$35 to $215

Plan F and Plan G are very similar overall. However, while Plan G is available to anyone new to Medicare, Plan F policies cannot be purchased by those new to Medicare after January 1, 2020.

All Medigap plans are standardized, so you’re guaranteed to receive the same basic coverage for your policy regardless of the company you purchase it from or where you live.

However, monthly premiums can vary, so compare multiple policies before you buy.