SHOW THE SAVINGS: PLAN F vs PLAN G
Plan F and Plan G pay for exactly the same things, with one single exception: Plan F pays your Medicare Part B deductible and Plan G does not. For 2026 that deductible is $283. The Part A deductible, all of the coinsurance, skilled nursing care, Part B excess charges and foreign travel emergency coverage are identical on both plans.
So the entire decision comes down to one question:
Does Plan F cost more than $283 per year more than Plan G?
Yes: Plan G is the cheaper plan.
No: Plan F is the cheaper plan.
Worked example (2026)
Sample premiums for illustration only. Your actual rate depends on your age, ZIP code, gender and tobacco use. Call 312.800.0751 for real Illinois rates.
| Your annual cost | Plan F | Plan G |
|---|---|---|
| Step 1. Annual premium (sample: $200 vs $165 a month) | $2,400 | $1,980 |
| Step 2. Part B deductible you pay yourself | $0 (Plan F pays it) |
$283 |
| Step 3. Total worst case cost for the year | $2,400 | $2,263 |
| Annual savings with Plan G | - | $137 |
How to read it: Plan F costs $420 more per year in premium ($2,400 minus $1,980), but the only extra thing it buys you is the $283 deductible. You would be paying $420 to avoid $283 of cost, so Plan G finishes $137 ahead. And that is the worst case, in a year where you actually use the whole deductible. In a year you never meet it, Plan G is ahead by the full $420.
Break-even point: with a $1,980 Plan G premium, Plan F only wins if it is priced at $2,263 a year or less. Anything above that and Plan G is the better buy.
Important: Plan F is only available if you were eligible for Medicare before January 1, 2020. If you turned 65 after that date, Plan G is the most comprehensive Medicare Supplement you can buy.
Understanding Medicare Cost-Sharing’t Cover
Medicare does not cover all health care costs. Medicare coverage consists of Part A (which covers hospital and skilled nursing facility care), and Part B (which covers doctor bills and other medical expenses).
Even with Medicare Part A and Part B coverage, you’re responsible for some out-of-pocket expenses including:
- Part A hospital deductible ($1,736)
- Part B deductible ($283)
- Copayments for hospital stays over 60 days
- Care in a skilled nursing facility after 20 days
- 20% coinsurance for doctor bills and other medical expenses (Parts A and B pay the first 80%)
Medicare Supplement Basic Benefits
- Hospitalization – Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.
- Medical Expenses – Part B coinsurance (generally 20% of Medicare-approved expenses), or in the case of hospital outpatient department services under a prospective payment system, applicable copayments.
- Blood – First three pints of blood each year.
Humana Medicare Supplement Plans Comparison
Switching from a Medicare Advantage plan to a Medicare Supplement plan
- The
- The Annual Enrollment Period (AEP) between Oct. 15 and Dec. 7.
Once you’re enrolled in Original Medicare, you’re generally eligible to apply for a Medigap plan.
Note: In most cases, when you switch from Medicare Advantage to Original Medicare, you lose your “guaranteed-issue” rights for Medigap. You generally have guaranteed-issue rights for 6 months when you’re 65 or older and enrolled in Medicare Part B. Without guaranteed-issue rights, insurance companies may require medical underwriting before selling you a plan.