The answer
What is the difference between Medigap Plan G and Plan F?
The only difference between Medigap Plan G and Plan F is that Plan F also covers the Part B deductible, while Plan G does not.
Both are Medicare Supplement policies (private coverage that pairs with Original Medicare) and are standardized, so their other benefits are identical: each covers the Part A and Part B coinsurance, hospital costs, blood, skilled nursing coinsurance, hospice coinsurance, Part B excess charges, and foreign travel emergency coverage. With Plan G, you pay the Part B deductible yourself, which is $283 in 2026. With Plan F, the plan covers that $283 for you. Plan F is no longer available to people who became eligible for Medicare on or after January 1, 2020; those folks can choose Plan G instead. When comparing the two, weigh the Plan F premium against the single $283 deductible that Plan G leaves you to pay.