Medigap Plan F vs. Plan G: Which One Is Right for You?

Medigap Plan F and Medigap Plan G are the two most comprehensive Medicare Supplement Insurance plans. Plan F offers the most coverage, but it’s not available to everyone. Plan G covers nearly as much as Plan F — and it’s available for any Medicare member.

Because Plan F covers more than Plan G, it also costs more. If you qualify for Medigap Plan F, you should consider whether it’s worth the price increase over Plan G.

Who can sign up for Medicare Supplement Plan F?

If you’re newly eligible for Medicare, you can’t sign up for Medigap Plan F. To be eligible for Plan F, you need to have become eligible for Medicare before Jan. 1, 2020.

If you were eligible for Medicare before the start of 2020 and you bought Plan F, you can keep the plan.

If you were eligible for Medicare before the start of 2020 but didn’t enroll at that time (because you were still working and covered by an employer plan, for example), you may be able to buy Plan F when you do sign up for Medicare.

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This article was written by Alex Rosenberg and originally published on www.nerdwallet.com