What is the disadvantage of plan G Medicare Supplement?

The main disadvantage of Plan G is that you must pay the annual Part B deductible out of pocket before coverage kicks in. For 2026, that deductible is $283. Plan F covers it, but Plan F is no longer available to anyone who became eligible for Medicare on or after January 1, 2020. Another drawback is the monthly premium. Plan G typically costs more than Plan N or high-deductible Plan G, though it covers more up front. Premiums also rise each year with age and inflation, which can strain a fixed income over time. Plan G doesn't include drug, dental, vision, or hearing coverage either. Want to compare Plan G rates in your area? Call Anthony at 855-559-1700 or visit medicareyourself.com.

For a healthy Plan F policyholder, I usually recommend moving to Plan G. The reasons, in plain terms:

• Plan F closed to new people in 2020. Nobody who became eligible for Medicare on or after January 1, 2020 can buy it, so no new 65-year-olds join a Plan F group. The group only gets older.
• Many of the people who still join Plan F come in through guaranteed issue. Someone eligible before 2020 who loses their coverage (say a Medicare Advantage plan ends) can buy Plan F with no health questions. Those policies tend to cost the company more in claims than a typical Plan F policy does.
• An older, sicker group can push Plan F's rates up faster over time. And because Plan F starts out more expensive, even the same percentage increase costs more dollars on Plan F. The 2026 rate increases show how each carrier's Plan F and Plan G filings compare.
• Plan G covers everything Plan F does except the Part B deductible ($283 in 2026). If Plan G's premium is lower than Plan F's by more than that over a year, the switch comes out ahead, and the new policy sits in a group still taking in new, healthier members.

The catch: in most states, switching outside a guaranteed-issue window means answering health questions, so the time to switch is while you can pass them. Apply for Plan G first and keep Plan F until the new policy is approved. Call me and I'll put your Plan F premium next to the Plan G rates at your age and ZIP.