covers 100% of the Part B deductible ($283 in 2026). You pay $0 out-of-pocket for covered medical services.
If you are eligible for both, use this "Rule of Thumb" from reviewers at NerdWallet : should i buy medicare f or g
Choosing between Medicare Supplement (Medigap) and Plan G depends primarily on when you became eligible for Medicare and whether you want to pay your annual deductible upfront through premiums or out-of-pocket. Eligibility Requirement covers 100% of the Part B deductible ($283 in 2026)
does not cover the Part B deductible. You must pay the first $283 (in 2026) for doctor visits or other outpatient services before the plan begins to pay. Comparison Table: 2026 Features Medigap Plan F Medigap Plan G Eligibility Eligible for Medicare before 2020 All Medicare members Part B Deductible Covered ($0 out-of-pocket) Not Covered (You pay $283) Part B Excess Charges Monthly Premiums Generally higher Generally lower Monthly Premium Difference If > $23.58, Plan G is cheaper If < $23.58, Plan F may save money Decision Guide: Which should you buy? Eligibility Requirement does not cover the Part B