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Plan G is currently outselling most other Medigap plans because it offers the same broad coverage as Plan F except for the Part B deductible, which is $233 in 2022. Plan G covers Part B Excess Charges.  

The only difference between Medicare Supplement (Medigap) Plan F and Plan G is that deductible. Otherwise they are the same.

One advantage to purchasing a Medicare Supplement (Medigap) Plan F and G is that these Medigap plans offer coverage for Part B excess charges. Part B excess charges occur when a doctor overcharges Medicare more than the Medicare approved amount. Doctors who do not accept Medicare assignments can overcharge the Medicare rate up to 15%. 

Some states have passed laws to prohibit Medicare Part B excess charges. There are 8 states that have laws that do now allow Medicare Excess Charges. Those states are: Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island and Vermont.  

When you see a provider that doesn’t accept Medicare assignment, that provider can charge up to 15% more than the standard Medicare rate for your services. You will pay this money out of pocket unless you have Medigap Plan F or Plan G.  


Learn More: Medigap Plan F

Consider: Humana Supplement Plan G

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People Also Read: AARP Plan N

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