One dollar figure decides whether you pay a Medicare deductible out of pocket this year: the Part B deductible. That single number is the entire difference between Medigap Plan F and Plan G, not a long list of exclusions. At Senior Benefits Plus, we get this question every week, and the answer is more straightforward than most brokers make it sound, especially once you know how the deductible changes each year.
Understanding Medigap Plan F And Plan G Coverage
Both plans exist to supplement the costs that Original Medicare leaves behind. The details matter, so let’s break down what each one actually covers.
What Plan F Covers
Plan F stands for full coverage. It supplements all of the costs left over from Original Medicare. If Original Medicare does not pay for it, Plan F does, which means one bill and no surprises during the plan year.
What Plan G Covers
Plan G covers all the same things that Plan F covers, with one key distinction. On Plan G, you are liable for the Part B deductible. Every other cost is handled exactly the same way it is on Plan F, once that single deductible is met.
Pro tip: The Part B deductible is the only real gap between these two plans. Once you understand that one number, you understand the entire comparison, which makes the rest of the decision much easier.
The Real Difference Between Plan F And Plan G
The Part B Deductible Explained
The big difference between a Plan F and a Plan G is straightforward. Plan F covers all Medicare costs. Plan G covers all Medicare costs except a once-per-calendar-year Part B deductible. In 2026, that deductible is $283.
Why This Amount Changes Every Year
The Part B deductible is subject to change every single year. This is why it is very important that during your annual enrollment review with your broker, you ask them what the Part B deductible will be for the next plan year, so nothing catches you off guard.
Key takeaway: The 2026 Part B deductible is $283, and it changes annually. Confirming this figure every year with your broker keeps your coverage decision accurate and your budget predictable.
Need expert help comparing Medigap Plan F and Plan G? Contact Senior Benefits Plus for a free consultation.
Comparing Medigap Plan F And Plan G Costs
The One Number That Decides It
Plan F covers all Medicare costs with no deductible liability. Plan G covers everything the same way, except for one predictable deductible each calendar year. The decision comes down to which of those two cost structures fits how you prefer to pay.
Ask Your Broker This Every Year
- What is the Part B deductible for the upcoming plan year?
- Has the Part B deductible changed since my last review?
- Should we revisit my coverage if the deductible increases significantly?
Both plans deliver dependable coverage backed by the same Medicare supplement rules. The only variable that ever moves is that one deductible, and reviewing it annually is the simplest way to stay ahead of it.
Our team reviews these numbers with clients every enrollment season, and we are ready to do the same for you. Schedule a free consultation with Senior Benefits Plus today and let us help you compare Medigap Plan F and Plan G with confidence.
