Medicare Supplement Plan G Vs. F

Medigap Plan G or F: Which one is right for you?

by Senior 65+ on Sep 15, 2017 | 47 Comments

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With no new Medigap Plan Fs available after 2020 for most people, whether to get Medicare Supplement F or G is one of the biggest questions. Our clients also want to know if Plan F will increase in price after 2020. While no one can answer the second question with certainty, we can help guide you to a smart decision with the information available.

What is the difference between Plan F and G?

This part is easy to answer because there is only one benefit difference between Medigap plan G and F. Plan F covers the Medicare Part B deductible and Plan G doesn’t. The part B deductible is a one time deductible you must play each year when you see the doctor for non-preventive visits. The current part B deductible cost is $198. This means Medigap Plan F pays the $198 while Plan G does not. The other difference is price, and it is a considerable one.

Click to see our Plan F and Plan G PricesApply for Medigap

Medigap Plan G Vs F Benefit Details

We put together a chart with the main benefits covered by Medicare Supplement Plans G and F. As you will see, they mirror each other in all benefits except for how they handle the Part B deductible cost. Check it out then meet us at the bottom for our recommendations.

Benefits Original Medicare Alone Original Medicare With Medigap Plan G Original Medicare With Medigap Plan F
Doctor Network All Doctors that accept Medicare All Doctors that accept Medicare All Doctors that accept Medicare
Part A Hospital Benefit Period Deductible You pay $1,408* You pay $0 You pay $0
Hospital days Coinsurance You pay $352 per day for days 61-90, $704 per day for 60 lifetime reserve days You pay $0 You pay $0
Skilled Nursing Facility Coinsurance You pay $176 per day from Day 21-100 You pay $0 You pay $0
First 3 Pints of Blood You pay 100% You pay $0 You pay $0
Part B Annual Deductible You pay $198 You pay $198 You pay $0
Part B Copays/Coinsurance You pay 20% (Part B deductible applies) You pay $0 after Part B deductible You pay $0
Part B Excess Charges You pay 100% (Part B deductible applies) You pay $0 after Part B deductible You pay $0
Foreign Travel Emergency You pay 100% You pay 20%*** You pay 20%***
More Info Learn More about Original Medicare Learn More about Plan G Learn More about Plan F

Who Should Choose Medigap F?

Everyone looking into Medigap policies should consider Plan F since it offers the most benefits. But who should pick F over G?

Who Should Choose Medigap G?

Everyone considering enrolling in a Medicare Supplement Insurance who does not fall under the two bullets above should consider Plan G. Basically if you can find a Plan G that will save you more than $198 a year over the best priced Plan F plan, Plan G is right for you. That is usually not hard to find. Often Plan G can save you $30 or more a month. That would mean you would save $360 a year ($30 x 12), which would more than pay for the $198 the plan requires. Plan G is priced so well that we currently help 4 people enroll in G plan for every 1 F plan.

Next Steps

Compare prices for yourself. If you need assistance or are ready to enroll, give us a call.

Click to see our Plan F and Plan G PricesApply for Medigap


*Medicare Part A deductible is broken down into 60 day benefit periods. You have to pay the deductible if you reenter the hospital after 60 days from discharge. Example: If you enter the hospital March 1st you’ll pay the Part A deductible. If you leave the hospital 5 days later and return to the hospital on July 6th, you will be charged the Part A hospitalization benefit again.
**For Skilled Nursing you must have a 3-day qualifying stay in the hospital to qualify for Skilled Nursing Facility care AND you’ll still pay the benefit period Part A deductible ($1,408).
***Foreign Travel Emergency requires a deductible of $250. You will have to have your emergency within the first 60 days of travel, and the plan has a lifetime coverage amount of $50,000.

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Reader Comments and Questions

By Sam on May 19, 2020

hey there I have medigap f. Can I use the birthday rule to switch to an innovative g plan? I am 70 by the way

Yes, you can. As of 2020, a standardized plan and an Innovative plan are considered equal in benefits. This means if you have a standard F you can switch to Innovative F or F extra during the California Birthday Rule.

Give us a call to assist you. We charge nothing for our services.
-Michelle from

By Jack on May 19, 2020

great info! I think I will be going with g

By Kay on July 24, 2019

My husband and I are both enrolled in Plan F. We are seeing our premiums increase substantially due to the fact that Plan F policies will soon no longer be issued. Can we switch to Plan G within the same company without going through underwriting? We are both healthy 66-year-old seniors.

Unless you live in California, Oregon, Connecticut, New York or Missouri, which have special switching rules, you will probably have to answer medical questions once you decide to switch.

Give us a call to help you through the process. We charge nothing for our services.
-Michelle from

By Steve on April 25, 2019

Above, you say "Plan G is priced so well that we currently help 4 people enroll in G plan for every 1 F plan." But then you say "F is by far the most popular Medigap plan and has the most active members by far." Please explain. Thanks!

Sorry for the confusion. Historically F was the most popular Medigap plan for years and still has the most total members of all plans. With the recent changes, G is now more popular and the majority of people are selecting it over F.
Chris from

By Marie on January 12, 2019

Do I need to choose a Medicare supplemental insurance plan at the time that I sign up for medicare?

Hello Marie,
You will need to enroll first in Medicare part A and B before you can sign up for a Medicare Supplement (Medigap) plan. That being said you can time them so all three START at the same time since they allow you to enroll 3 months in advance of your 65 birthday.

The best time to buy a Medigap policy is during your 6-month Medigap initial enrollment period. During that time you can buy any Medigap policy sold in your state, even if you have health problems. This period automatically starts the month you're 65 and enrolled in Medicare Part B (Medical Insurance).

If you apply for Medigap coverage after your initial enrollment period, there's no guarantee that an insurance company will sell you a Medigap policy if you don’t meet the medical underwriting requirements.

Once you have your Medicare Part A and Part B, please give us a call and we can help you select and enroll in a Medigap plan. -Chris from

By ELAINE on November 19, 2018

My husband's medigap plan is with Mutual of Omaha. I would like to stay with the same company but would consider changing based on price.Only 3 companies were given for price comparisons. Thank you

By KAY on May 05, 2018


The fastest way to see prices in your area is to get a
instant Medigap quote at here. Based on the information you shared it should be very straightforward to get you on a less expensive plan. Senior65 can help you apply and switch plans right over the phone at no fee or hidden cost to you. Please contact us at 800-930-7956.
Eric at

By Sam on April 15, 2018

I know F and G have the same coverage except for the Part B deductible. I know the cost of Plan G premiums are far less than Plan F, making Plan G the obvious choice. However, everyone I know is still choosing Plan F over G and I can’t see why unless there is some hidden benefit. 1) I know we would be grandfathered in the same Plan F policy (e.g. BCBS of GA) after 2020 when Plan F stops accepting new enrollments, but why choose to get grandfathered into higher premiums, when we have guaranteed issue in Plan G as a new enrollment? Is there a hidden advantage? 2) In the likelihood that Plan F premiums will increase faster after 2020 due to an aging risk pool, can we switch to a Plan F from a competing company after 2020 without medical underwriting? In other words, will all those already in Plan F be guaranteed issue if they want to switch to a Plan F from a competing company after 2020?

We too do not see any benefit for going with Plan F over G. While all your friends may be going with F very few of our clients here at Senior65 are. In fact the only F plans we have placed recently have been clients who received excess money from their retirement earmarked for premium payment. Everyone else is going G. The answers to your question 1) We can see no advantage to go with F at higher premiums. 2) No, you cannot switch from G to F without medical underwriting.

When you are ready to pull the trigger, we would love to assist you to select and enroll in a plan. There is no fee to you but we receive a commission directly from the insurance provider.
-Chris from

By Jim on April 13, 2018

My wife is approaching the Medicare age. She is taking Xeljame XR for her arthritis. The cost of this medicine is currently covered by her insurance plan, When she turns 65 we need a plan that will help with this very expensive drug. I am currently covered by a zero cost Medicare Plus and Medicare. What type of supplement is best for the expensive drugs? Thank you.

No Medicare Supplement plan coverage prescription drugs. For that you would want to buy a Part D drug plan. We can help you with both. We can research a drug plan that matches her drug needs and budget. Give us a call at 800-930-7956.
-Eric from

By Dean on January 31, 2018

If I start out with a High Deductable Plan F can I change to a regular Plan F or a Plan G at a later date? I'm in California. Thanks

If you outside your initial enrollment period you would have to reapply and answer medical questions to switch from High F to regular F. This applies even during California's birthday rule. Check out our switching page for more info and some exceptions to above.
Hope that helps and let us know if we can help you enroll.
-Jacima from

By Doris on December 02, 2017

My sister has type 2 diabetes and takes 2 different insulin touchpens, one before meal and one at night before bed. Always less than 50 ml. She also takes 1 pill. Also 5 meds for blood pressure and 1 med for colesterol. Trying to get her in a medicare supplement plan G maybe?

If your sister is in her initial enrollment period (find out here), she will automatically be approved for G. If not, she would be subject to medical underwriting and could be declined for preexisting conditions. We would have to ask some additional questions to see if we could help place her with a G plan where she would be approved. Give us a call.
-Michelle from

By Sjo on November 28, 2017

I currently have Plan F and based on savings should consider Plan G but I am concerned that I could be denied due to some health issues. If I talk to the company I currently have and they deny a change to Plan G can they decide to deny my current Plan F or am I able to keep it.

No, if you apply for G and are not approved they cannot deny your current F. Give us a call if you would like help switching to G.
Michelle from

By Cindy on November 19, 2017

I know you are mainly addressing Plan F and Plan G. My question is regarding the Part A deductible. My mother is 80 and she says she has never had to pay this when hospitalized. She has an extremely high cost Plan F policy. So either of these plans cover it?

Everyone has to pay the Part A deductible when seeking hospital coverage UNLESS you have a Medigap plan. If you mother has a plan F then she would never pay the part A deductible. Medigap plan G covers 100% of the part A deductible as well.

Hope that helps and give us a call if you need help switching to a lower coast G.
-Jacima from

By Joy on November 09, 2017

I will be retiring at the end of the year and will be going on Medicare after the first of the year. I'm in good health but I am planning to have surgery in 2018. Would Plan F or G be better for me?

Both will help cover the cost of your procedure but G will require that you pay the part B deductible which is currently $183. The answer for which plan is better really depends on how G and F is priced in your area. You can get prices at If yo.u would like help selecting a plan or enrolling, please give us a call.
-Chris from

By Annie on November 06, 2017

I am a 67 year old Type 1 Diabetic and am considering changing from Plan F to High Deductible Plan F. I have calculated that between the reduced premiums and having to pay increased deductible, my annual savings would be close to $1000 by doing this. Can you advise me that IF I do change to HD Plan F from a Plan F, and for some reason decide to switch back either to a lower deductible Plan F or perhaps a Plan G, will this decision need to go through underwriting, therefore my preexisting condition could be a factor and could be denied or charged more?

Yes, in almost every case if you want to switch from a High F to a Medigap G or F plan you will have to go through medical underwriting and you could be charged more or declined.

If you are still thinking of switching plans and need assistance in enrolling, please contact us.
-Michelle from Senior65

By Marjorie on November 02, 2017

Can you comment on how much the Part B deductible has increased over the past decade and whether Congress will increase it significantly come 2020?

There is a Medicare Board of Trustees that recommends part B fees. They predict that the part B deductible will increase at an average annual rate of 5.4 percent between 2017 and 2024. While a prediction this would probably be the best estimate of future part B costs moving forward.

If you need assistance in selecting or enrolling in a G and F plan, please let us know.
-Chris from

By Barbara on October 25, 2017

I am considering changing from a medigap Plan F, to a G plan for 2018. After all the medical questions are answered and I qualify, will I be automatically enrolled in the same G plan in 2019 with the same company, or will I have to go through all medical questions again if my health changes?

Great Question Barbara,
All Medigap plans, including your new plan G, will automatically renew each year regardless of your health and how much you use the plan.

If you find our services helpful, we would love to help you enroll in your new plan as that is how we stay in business :) We get paid directly from the insurance carrier but there is no hidden cost or fees passed on to you.
-Chris from

By Tom on October 23, 2017

If I were to switch now from Plan F to Plan G, am I guaranteed renewal each year or can I be denied a renewal of G if my health goes down hill? Or does it depend on which company I have for Plan G?

If you are approved on a new Plan G your plan would automatically renew each year. Please give us a call if you would like help switching plans.
-Chris from

By Joe on October 19, 2017

Switching from Plan F to Plan G seems definitely advisable if the current annual premium for Plan F is more than:

The current annual premium of Plan G + the current Part B deductible that has to be paid under Plan G.

However, what concerns me is whether the Plan G premium may rise over time, or the government will raise the Part B deductible, so that Plan G is no longer as economically attractive. With Plan F, I do not have to pay any Part B deductible. I am reluctant to give up Plan F if later Plan G will cost more and I may not be able to get back to Plan F. In any event, under these circumstances, would you advise me to stay with Plan F for the time being to see how things evolve?

Your logic is solid and, unfortunately, no one knows what premiums and deductibles will be in the future. We do know that the part B premium doesn't increase every year and when it does go up the increase (so far) has not been dramatic. Our advise is as follows: If there is a large savings by going to G even after accounting for the part B deductible then the move probably makes sense. If not, then you should stay with Plan F for the time being to see how things evolve.
-Michelle from Senior65

By Leon on July 03, 2017

I am 73 and have plan F. My payments are $280 a month. I take nine different medications a day and had a heart stent put in fifteen months ago. Other than that I am fairly active and in good health. My wife is 71 and also has plan F. Her payments are $226 a month. She takes eleven different medications a day but is in fairly good health. She does not have any heart problems. We live in Texas. I might add that we are both diabetic. No insulin but both take Metformin. My question is, are there any cheaper plans that we could change to, such as plan G. Would our medications and my stent prevent us from finding another company or plan to switch to. Those payments are really putting a strain on our fixed income. Paying a high deductible is not an option. However we could handle the medicare deductible providing our payments wend down by switching plans or company.

Thank you for your question. We are not underwriting, and would not be able to tell you with certainty your Medigap application fate. What we can tell you (rather vaguely) is that preexisting conditions (including medications) may give a higher rate or may result in a decline of the application, all together. With that said, we do know that some companies have easier applications than others. For help, call one of our Senior65 licensed independent insurance agents at 800-980-7956.
-Chris from

By monty on June 07, 2017

I have plan G...if I get a bill from the Doctor for $200 and Medicare pays $100 and my plan G pays $20 do I owe the Doctor $80? Or do I owe nothing to the Doctor? Because Medicare and my plan G provider paid all that they said was really due.

Thank you for your question! If you have Plan G, after you pay your Part B deductible, you will pay nothing out of pocket, as long as Original Medicare covers it.
-Amy from

By Lee on June 03, 2017

I know that someone can switch from an original Medicare plan (A-N) to an Advantage plan or vice versa. But if someone has an original medicare plan, can they switch to a different plan, e.g., go from plan F to plan G or another one? Or once you have an original Medicare plan do you have to keep that plan forever? Thanks

You are partially correct! If you have a Medicare Supplement plan (A-N) you can switch to an Advantage plan without issue, but if you want to go the other way, you'll have to answer medical questions and can be denied or charged more if you have preexisiting conditions. Now, if you have F and want to switch to G you will also have to go through medical underwriting. Original Medicare plans can be dropped altogether (don't know why you would, but it's an option) or you could "replace" it with Medicare Advantage. For a further explanation, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Eric from

By Jane on April 24, 2017

I have health insurance through my husband's employer's policy. I also have traditional Medicare parts A and B. I just turned 65. I understand that I am required to enroll in Medigap within 6 months of the effective date of my Part B. Do I need Medigap? If I don't enroll in Medigap within the 6 months period, do I forever lose the ability to have it?

Great question! No, you don't lose your ability to have it, but, in most states, after the first 6 months, you'll have to answer medical questions. Based on your answers and their research, you could be denied or charged more. So, while you don't have to enroll right away, you should! For help enrolling in a plan, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from

By boyd dixon on March 28, 2017

if i had say, a plan g. what do i do when going to docter or hospital. do i show them my medicare card and also shound i show my plan g medigap card to them also and who fills out the claim when i use tha plan g policy. do i fill it out or hospital or who.

When you go to your doctor you will show them your red, white, and blue Medicare card, and your Medigap card. They will know what to do from there.
-Michelle from

By Gordon Plummer on February 14, 2017

Some companeies only offers Plan F, not G. If I sign up for F thru them, won't I be trapped in Plan F after 2020 with a declining pool and raising rates, if I can't pass medical underwriting? Or can I change at that time to Plan G with them?

In most states, you will not have a guaranteed issuance right to switch Medigap plans in 2020. If you're interested in Plan G, we'd be happy to help you find one now that fits your needs. Please call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from

By Robert on February 12, 2017

My pain management physician changed one of my medications in January (2017) which is nonformulary and very expensive - almost $400/month - under my current Part D plan. This medication is extremely important to me and I do not wish to change it. I notified my agent in January when I found out about the cost of the medication. (I had been coincidentally disabled for 24 months when I also turned 65 in February, 2016). Could I have changed to a different plan effective February 1, 2017 which covers this medication - I know of at least one that does - or was I unable to switch after January 1? Do I now have to wait until the next open enrollment period?

This would not act as qualifying period to enroll in a new Part D plan. However, you can ask your doctor to request that this drug be added to your coverage -drug companies may comply if the generic drug does not work for you, or other similar drugs do not. If this does not work, you can switch under one condition: if your current plan is not rated a 5-star drug plan, but you are able to find a 5-star drug plan in your area. If you are unable to do this, you will have to wait until Open Enrollment.

For help finding a 5-star plan in your area, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from

By Jeff on January 23, 2017

I have read on a number of sites that annual premium increases tend to be greater for Plan F than Plan G. Even a couple of percentage points difference would make Plan F considerably more expensive over the long term. Assuming the Part B deductible is baked-in to the F premium, I don't see how F is a better deal in the long run - yet it is the most popular plan. What am I missing?

You're not missing anything. Medigap Plan G is becoming increasingly more competitive, making it the better deal. In the past Plan F saved you more money, but now that it will disappear after 2020 for new enrollees, companies are adjusting their rates to make G the more competitive one.
-Amy from

By Margie Cohan on January 15, 2017

Our insurance agent advised my husband and I to take out medical plan f. We live in Ga. now I am worried that we should have taken F. My mom had f and it worked well for her. We are both fairly healthy. Our coverage starts Feb 1.

Not to worry! You should still be able change your Medigap plan to Plan F, if you would like If you are open to working with one of our Senior65 licensed independent insurance agents give us a call at 800-930-7956.
-Amy from

By Janet on January 06, 2017

In 2020 you say no Plan F will be available. Does that mean if you are currently on plan F you will be disenrolled and have to choose another, or does it mean no new policies will be written after 2020?

No, you will not be disenrolled from Plan F. Anyone enrolled in the plan prior to December 31, 2019 will be able to keep their plan.
-Eric from

By JIM G. on December 27, 2016

does the plans f and g pay for the extra charges such as surgery room fees,equipment fees,and lab fees? I was told by a doctor that all ins. companies did not pay these fees, they would be the patients to pay, is this true? if this is true, why have a policy that says it pays 100% of charges that medicare doesn't pay, but it doesn't pay also? THANKS, JIM G.

Unfortunately, this isn't as simple an answer as it should be. The reason is Medicare does cover some surgeries and therefore would cover its portion of equipment and lab fees, and Medigap would kick in after, BUT if the surgery is not approved by Medicare then none of the services would be covered. Surgery is always something you want to confirm directly with Medicare before it is performed.

If you need help finding a Medigap Plan F or G in your area please call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from

By Ann Valenti on November 16, 2016

If you choice to change to Medicare part F now can you keep it after 2020

In 2020 and beyond, no new Plan F's will sold, but anyone enrolled prior to December 31, 2019 can keep their plan. If you need help enrolling in a Medicare Supplement plan call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from

By james kaempfer on November 13, 2016

can I be turned down coverage for plan g because of the medication I take

If you are not in your Medicare Supplement initial enrollment period or have guaranteed issuance, you can be denied or charged more based on your prescriptions. That being said, some companies have less stringent medical underwriting rules. For help navigating this call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from

By Peggy on November 12, 2016

Dad recently turned 85 and currently has a Medicare Plan F supplement. His monthly premium is increasing to the next level due to his age, so I was considering Plan G. I know there are some restrictions for coverage. He has had Afib in the past and stints for an aortic aneurism but has NEVER had a heart attack. Should I consider Plan G or stick with Plan F ? Plan G offers less known insurers, and I would also have to make sure that his doctor accepts the insurer I select.

It sounds like your father lives in a state that has guaranteed issuance or a Birthday Rule. You definitely will want to consider Plan G if there is a savings. If not, stay with F.

Now, you didn't ask this, but all Medicare Supplement plans have the same network. So if your doctor accepts Medicare, they accept your company. If you need help finding a new plan for your father, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from

By Linda on November 11, 2016

If you are not in your SEP can one only apply to change from Plan F to Plan G during open enrollment? I do not live in a state with birthday or switching without medical review.

Unfortunately, you can only apply or switch during your initial enrollment period. After you will need to go through medical underwriting to switch from Medigap F to G. If you need help switching plans call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from

By Martha on October 31, 2016

If I changed to plan G from plan F and the next year I wanted to restart with plan F, would they except me ? Or will they not want my business.

If you change from Medigap F to G, and the following year decide to switch back to F, you'll have to go through medical underwriting, and could be denied or charged more. We, at Senior65, consider ourselves the switching experts and can help you find a company that is easier to switch back to. Give one of our licensed independent insurance agents a call at 800-930-7956.
-Amy from

By James on October 29, 2016

Difference in a plan G & a plan G select

Medicare Supplement Plan G and Plan G Select have identical coverage, but the Select plan has a limited network of doctors and facilities if you're an inpatient. Meaning that you can see any doctor/specialist in the country that accepts assignment, but once you're hospitalized you have limitations. Hope this helps!

For help finding a Medicare Supplement Plan G call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from

By Laura King on October 21, 2016

As the pool of F medigap members shrink over the years after F closes in 2020, will the premiums for F become disproportionally high compared with plan G or other plans who will have new, younger, healthier retirees?

Unfortunately, no one knows the answer to this question. If you are concerned about this, and would like to switch to Plan G, give one of our Senior65 licensed independent insurance agents a call at 800-930-7956.
-Chris from

By Cheryl on October 17, 2016

I was enrolled in a Medicare Advantage Plan when I retired from county government In 2012, Now our local acute care hospital has cancelled their contract . I want to disenroll & switch to original MC with a Medigap & drug , but am not clear on when I can do this.

We can absolutely help you with this! And, this is the right time to apply for a Medigap and Part D, and to disenroll from Medicare Advantage. Contact one of of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from

By tony on October 10, 2016

Can my husband change his supplement from plan F to plan G ? He has had a heart attack and cancer or will he be turned down?

Unfortunately, in most states, your husband will be denied coverage if he tries to switch due to his preexisting conditions. However, some states have Medigap switching rules, which allow you to change regardless of preexisting conditions. For help switching Medigap plans, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Eric from

By JC on October 03, 2016

if you buy and likely keep a plan g, isn't the only thing that will happen from year to year is that u will pay your deductible yourself?

With Medigap Plan G, the only Original Medicare gap you will pay is the Part B deductible; however, if Original Medicare doesn't cover a service or item, you would pay 100% out of pocket. If you need help finding a Medigap G plan in your area, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from

By Lee on September 19, 2016

I have plan G and just had a Dr. visit for $180. Will I get a bill for the $166 Part B deductible from the insurance co. or from the doctor's office?

Most likely it will be from your insurance company. You can always call your company and find out directly how you will be billed.
-Amy from

By Marcia on September 18, 2016

I currently have Aetna Supplemental Plan G. Does this plan offer Silver Sneakers? I can't seem to find that info elsewhere. Thank you Replied by email AMY

By Charles on September 02, 2016

I have plan F high deductible If I switch to plan N or F will I have Togo for a medical check up Charles

If you want to switch your Medigap plan, you will have to answer medical questions, and go through medical underwriting, but you will not have to go in for a check up. We at Senior65, consider ourselves the switching experts, and know that there are some companies that have more lenient requirements than others. To learn more, call one of our licensed independent insurance agents at 800-930-7956.
-Amy from

By John on February 12, 2016

On your website under the "Who Should Choose Medigap F?" section you state: "Going with a Plan F will almost always give you more options than G should you want to switch in the future." What do you mean by "more options"? Can you give examples? In the two dozen plans I've compared, it was always cheaper to get Plan G instead of Plan F and pay the deductible out of the savings. What other differences are there in the plans that should be considered?

Great question! What we mean by Plan F will have more options if you want to switch is: if you live in a state that offers the Medigap Anniversary Rule or Birthday Rule, you can ONLY guaranteed issuance switching rights to plans (without answering medical questions) that have equal or lesser benefits; and, Plan F is offered by a larger share of the marketplace than Plan G. For instance, in CA (which has the birthday rule), Plan G is only offered by 4 out of 8 companies we represent, while Plan F is offered by all 8 companies. What this means for you is: in the future, you'll have a lot more options to choose from, especially as prices increase over time. Hope this helps better explain it!

-Amy from

By Sandra June on January 08, 2016

I heard that plan F was going away and that you had to select G. Is this no accurate??? BTW I love your site. Thanks Senior65 for being the one place that uses simple language to explain Medicare.

Thanks for the compliment! We love our readers' support. You are partially correct. It is true that as of 2020, no new Medigap Plans C and F will be sold, but you can still purchase Plan C or F until 12/31/2019. You will not need to purchase Plan G if you enroll before then, unless, of course, it's a better deal for you. Hope this helps!
-Chris from

By LORETTA LAMBERT on January 04, 2016

does plan F cover any health clubs?

Whether it's Plan G or F (or other plans offered by the same company) some Medicare Supplement plans offer Silver Sneakers, the benefit the gives free or discounted gym memberships. Please call 800-930-7956 to learn which plans in your state are covered.
-Jacima from

By Rhonda Jenn on January 02, 2016

I've heard that the Part B deductible is going to be increased to over $200. Shouldn't you suggest that the Plan G must save you over $200?

It was originally proposed that the Part B deductible would be increased to $223, but luckily it was only increased by $19 in 2016. This does not mean next year the Part B deductible could not increase to over $200 in the years to come. Hope this helps!
-Chris from

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