Medicare Plan F vs Plan G Comparison Tool (2025)
Quickly estimate which Medigap plan, Plan F or Plan G, offers the best value based on your location, premiums, and expected medical usage.
Quick Tip
Plan G is only available to new Medicare enrollees since 2020, while Plan F is closed to new enrollees.
Compares Medicare Supplement Plan F and Plan G based on expected usage, premium differences, and out-of-pocket exposure. It highlights which plan offers better long-term value for individuals or couples entering or already on Medicare.
| Feature | Plan F | Plan G |
|---|---|---|
| Available to new enrollees after Jan 1, 2020? | ❌ Closed | ✅ Yes |
| Part B Deductible | Covered | Not covered |
| Part A Deductible | Covered | Covered |
| Excess Charges | Covered | Covered |
| Foreign Travel Benefit | 80% | 80% |
| Avg Premium (2025) | $190/mo | $150/mo |
| Overall Value | Good | Excellent |
Lower Premiums
In nearly all states, Plan G premiums are 10-20% lower than Plan F
Same Coverage Except Part B Deductible
Identical benefits for all other covered services
Better Rate Stability
Long-term increases smaller than Plan F
Open to New Beneficiaries
Available to all new Medicare enrollees since 2020
| Profile | Plan F Total Annual Cost | Plan G Total Annual Cost | Savings |
|---|---|---|---|
| Healthy Retiree | $2,200 | $1,950 | $250 |
| Frequent Doctor Visits | $2,600 | $2,350 | $250 |
| Couple (2 people) | $4,400 | $3,900 | $500 |
Can new Medicare enrollees buy Plan F in 2025?
No. Only people who qualified for Medicare before Jan 1, 2020 can still have Plan F.
Is Plan G a high-deductible plan?
A "High-Deductible Plan G" option exists; you pay the first $2,800 (2025 figure) before coverage kicks in.
Why do premiums differ by state?
Each insurer sets rates by region and age rating method.
Will Plan G premiums increase each year?
Yes, slightly - typically 2-4% annually, less than Plan F.
What's the Part B deductible for 2025?
The Part B deductible is $240 for 2025, which Plan G does not cover.
Can I switch from Plan F to Plan G?
Yes, during Medicare Open Enrollment (Oct 15 - Dec 7) or with a qualifying life event.