How does Plan G differ from Plan F?

Plan G is distinct from Plan F primarily in that it does not cover the Medicare Part B deductible. This deductible is an amount the policyholder is responsible for before Medicare starts to pay for covered outpatient services. In contrast, Plan F covers both the Medicare Part A and Part B deductibles, in addition to a comprehensive range of services, making it often seen as more complete for those who want fewer out-of-pocket expenses when using medical services.

As a result, beneficiaries who choose Plan G will need to pay the Part B deductible themselves before the plan begins to provide coverage for outpatient services. This is a key difference, as it reflects broader changes in Medicare supplement plans that have generally aimed to reduce costs for the program as a whole. The shift away from providing coverage for the Part B deductible in Plan G is a notable factor influencing the choices of many individuals considering their Medicare options.

Other options presented do not accurately capture the specifics of coverage differences between Plan G and Plan F. For example, while Plan G does cover a broad range of outpatient services, it is not unique in that regard, as Plan F also covers outpatient services. Additionally, Plan G covering the hospital deductible is incorrect, as both Plans F and G cover Medicare Part A coinsurance and hospital