Why Pick F or G over other Medigap plans?

Learn why Medicare Supplement F and G might be the right for you

by Amy De Vore+ on Jan 15, 2016 | 7 Comments

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Medicare Supplement Plans G and F are the front-runners for most Medicare-eligible persons. Why is this when there are other plans that cover similar benefits but may cost less? There’s one main reason, and that’s excess charges.

What are Part B Excess Charges?

Excess Charges are charges that can be accrued when you see a provider who does not accept assignment. You can be charged up to 15% more than the approved Medicare cost.

Only Plan F and G cover excess charges.

Why Choose Medigap Plan F or G?

Excess charges. Okay, we know we sound like a broken record, but those costs can really add up. But, of course, these plans cover much more than just excess charges. Plan F covers all the benefits offered by Medigap, and Plan G covers all but one benefit -the Part B deductible.  But to understand why excess charge coverage is so important here are two examples:

    1) Some facilities and doctors don’t accept assignment. If this is the best care available, you don’t want to worry about extra costs when you’re worried about your health.
    2) If you’re hospitalized, you many times do not have a choice on the doctor you see, and that doctor may not accept assignment.

Compare Plan F and G.

Other Plans are cheaper than F and G. Why not Those?

We are not saying that in some cases other plans might fit more into your monthly budget better than Plan F or G, but with the nickel and diming that can happen from copays, coinsurance, excess charges, and deductibles, you can end up shelling out a lot more than you planned each year. You can compare Medigap plans side by side to see their coverage, to get a further understanding of each plan.

Learn More about Medigap Get a Medigap Quote

For further questions please call 800-930-7956.

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Reader Comments and Questions

By Lisa on June 18, 2019

I spoke to an ins agent to set up my Initial Enrollment for a Medigap plan. I am eligible in 6 weeks. I initially chose plan N, but after some research, called the next day to change to Plan G. I have left messages for several days. No answer. No payment has been made. Can I cancel this agreement and work with someone reliable? Will a plan change alter my “guaranteed issue” (since I am in initial enrollment) even though the policy has not yet started? Please advise.

You will be able to switch to G and still be automatically approved with no health review.

Give us a call at 800-930-7956 and we can get you enrolled in no time.
-Michelle from Senior65.com

By karen on January 15, 2019

Hello, will my chiropractic adjustments be covered with medigap plan g for 2018?

Hello Karen,
Under Medicare Supplement Plan G, you would have to pay your Medicare Part B annual deductible ($183.00 for 2018). After that deductible has been met, the Plan G will pay the 20% coinsurance. Combined with Medicare there will be no charge for any medically necessary chiropractic work.

To learn more about how Medigap covers Chiro, check out this article.
-Chris from Senior65.com

By lynn on November 06, 2018

I am 67 and retired. I have part A only with Medicare. My wife is currently working and I am covered under her insurance. She is looking to retire in mid 2019. She is currently paying @$175.00 a month for both of us. I realize that I need to sign up for part B but, should I enroll with a supplemental plan now?

If your spouses plan is considered credible and you are able to stay on it, you should be able to save money. Once you come off her coverage, that would typically be the time to enroll in a Medicare Supplemental plan. If you would like us to review your specific situation to see if it applies, please contact us. There is no hidden fee to work with Senior65.com licensed agents.

By Rose on November 11, 2017

If I sign up for plan N and needs to update it to plan F, is it possible to do so or should I have to wait for the open enrollment and complete the health questions?

If you select N and then want to switch to F you can do that at any time BUT you will almost always have to answer health questions as part of Medical underwriting. This is true even if you try to switch during the Annual Election Period (open enrollment) of Oct 15-Dec 7.
If you found our site and services useful, we would love to help you select the right plan and enroll. While we love helping people and answering questions, we only get paid when we help someone apply for coverage. We get paid directly from the insurance carrier and there is NEVER a charge or hidden fee to you.
-Michelle from Senior65

By marianne on December 22, 2016

Hi there I will be joining medicare in a few months and want to add Plan F. My Doctor (who I want to stay with) ONLY accepts Medicare ADVANTAGE. What would be the reason for them to accept a less expensive plan? I can't get an understandable answer from them. I am in the Denver CO area.

Marianne, Your doctor's office is probably confused. You'll want to ask their billing department if they accept Medicare assignment (not a specific carrier), and if they do accept assignment, they accept any Medigap provider.
-Amy from https://www.senior65.com/

By Charles Lee on March 09, 2016

Plan N is A LOT less expensive than G and F. Why are you telling people to go with these plans, when the only thing N doesn't cover besides the Part B deductible is excess charges -and those seem unlikely.

While you are correct that Plan N can be less expensive, it also charges copays for doctor's office visits and emergency room care. So, if you go to the doctor a lot, these costs can really add up, as well as, your excess charges can be significant if you see a doctor that does not accept assignment. With that said, if the savings is right for you, go Plan N!
-Chris from https://www.senior65.com/

By Angel on March 05, 2016

I found a Plan G plan that's monthly premium $160 less a year than Plan F. Should I go with G?

The quick answer is no, go with Medigap Plan F, because you will still have to pay the Part B deductible, which is more than $160 a year. The more detailed answer is to look at how each plan historically has raised its rates, and if Plan G by one company stays lower than Plan F, then it would be the right choice for you.
-Amy from https://www.senior65.com/

PLEASE NOTE: We cannot comment on specific Medicare claims. Contact Medicare directly if you are trying to see if your issue is covered.

We will not publish your last name or email if you submit this form.

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