Think of Medicare coverage like tending a garden. Some years it’s mostly sunshine, and some years you’ve got to pull a few weeds and make adjustments. If you’re on Medicare Supplement (Medigap) Plan F and you’ve noticed premiums creeping up, you’re not alone—and it’s one reason many folks are taking a fresh look at Plan G and Plan G+.
Why Plan F premiums may be climbing
Plan F is not available to people who became newly eligible for Medicare on or after January 1, 2020. Over time, a plan that’s closed to many new enrollees can see its overall claims experience change, and premiums can rise.
That doesn’t automatically mean you should switch—it just means it’s worth reviewing your choices with clear eyes.
Plan G vs. Plan G+: what’s the difference?
At its core, Plan G is often very similar to Plan F, with one commonly discussed difference: Plan G typically does not cover the Medicare Part B deductible. For some households, paying that deductible out of pocket can still be less expensive than staying with a higher premium.
Plan G+ usually refers to a Plan G offered by a carrier that includes value-added “extras.” These extras are not the standardized Medigap benefits themselves—they’re additional programs the company may bundle in.
More specific examples of “extras” you might see with Plan G+
Because benefits vary by carrier and by state, think of these as common examples, not promises:
Fitness or wellness programs: Some carriers include access to a national gym membership network and/or online workout classes. Example: a client who walks indoors at a gym during winter months may value this more than someone who already has a home routine.
Dental, vision, and hearing discount programs: Not full insurance, but negotiated discounts through participating providers. Example: discounted eyeglass lenses or reduced pricing on hearing exams.
Hearing aid savings: Some plans may offer discounts or preferred pricing on hearing aids through partner networks.
Telehealth access: A virtual visit option or discounted telehealth services. Example: quick consults for minor concerns when you’d rather not sit in an urgent care waiting room.
24/7 nurse line or health coaching: Phone support with registered nurses for general guidance (not a replacement for your doctor). Example: help deciding whether a symptom can likely wait for your primary care appointment.
Over-the-counter (OTC) discount arrangements: Sometimes a discount portal for items like vitamins, first-aid supplies, or other commonly purchased products.
A common-sense checkpoint before switching
Before you trade one plan for another, it’s smart to confirm:
- Whether switching requires medical underwriting in your situation
- The premium difference (today and historically)
- What each “extra benefit” actually includes (limits, participating providers, and any conditions)
We’re here to help
If you’re on Plan F (or a similar variation) and seeing premium increases—or you’re curious whether Plan G or Plan G+ could better fit your needs and budget—reach out to our Medicare specialists. We’ll help you compare options and understand the trade-offs so you can feel confident you’re paying for coverage that truly serves you.
Insurance premiums, plan availability, underwriting rules, and added benefits vary by carrier, location, and individual circumstances. This information is educational and not a recommendation of any specific plan.