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Who is eligible for Plan F and Plan G starting in 2020?

Who can get Plan G?

For starters, anyone who has Original Medicare Part A and Part B will have access to a Medicare Supplement Plan G.

Who can get Plan F?

To have access to a Medicare Supplement Plan F, a person’s Medicare Part A MUST be prior to January 1st, 2020 (1/1/2020).  Any person getting onto Medicare with an effective after 1/1/2020 WILL NOT be able to enroll in a Plan F Medicare Supplement.  Plan G will be the most comprehensive coverage available to them.  Any person who had a Plan F Medicare Supplement prior to 1/1/2020 will have the ability to change to a Plan F (or Plan G) with another company.

What is the difference between Plan F and Plan G?

The only difference between and Plan F and Plan G is who is paying the Medicare Part B deductible.  With a Plan F the insurance company pays for Part B deductible but this results in higher monthly premiums.  With Plan G the deductible is paid by the client but there can be some significant savings to be had by paying the deductible.  For instance, in a 39401 zipcode in Mississippi, a client can potentially save a minimum of $250/year by enrolling in a Plan G.