Medigap Plan F

Medicare supplement Plan F offers the most comprehensive coverage of all Medicare supplement plans. It covers your Parts A and B deductibles, Parts A and B coinsurance or co-payments, blood, Part B excess charges and 80% of your foreign travel emergency. Essentially, Plan F policyholders will only pay their monthly premium. They will not incur any out-of-pocket costs for medical expenses approved by Medicare. Because of this, the Plan F premium is generally the most expensive. Many people choose the Plan F because of its full coverage. However, because of the difference in premiums between the Plan F and the Plan G, Plan G can sometimes be the smartest option.

Medigap Plan G

Medicare supplement Plan G is identical to Plan F, with the exception of how the Part B deductible is paid. Once Plan G policyholders pay their Part B deductible ($183 for 2017), they essentially have the Plan F. Monthly premiums for Plan G are typically much less expensive than Plan F premiums. Therefore, although the deductible is not covered, Plan G policyholders will typically save money overall with the Plan G due to the premium difference, and currently the less annual premium increases over Plan F.

Ultimately, Plan G has the same benefits as the Plan F, minus the Part B deductible ($183 for 2017). Once the Part B deductible is paid, they both offer full coverage.

Have questions about Medicare?

Our team of independent agents are here to talk with you about finding the best insurance plan to meet your needs.

Call us at (800)405-4802 to talk about your Medicare options.