--- title: Plan F or G? How to Decide Which Med Supp Plan to Sell description: There aren't many differences between Medicare Supplement Plan F & Plan G. Let’s have a look at the what they are, compare some carriers, and see if you can save your clients money - while protecting your commission. image: https://cdn.prod.website-files.com/6978e65abed067e994e8d3ed/69e0edc39a6f2b446ec622d5_og-5-2-blog.webp --- [![](https://cdn.prod.website-files.com/6978e65abed067e994e8d3ed/697926babf20ddeb2d4ff972_64c7ba8d78ae605d730bbe060cf878ba_NewHorizons-White-Tag.svg)](https://www.newhorizonsmktg.com/) - [Home Home](https://www.newhorizonsmktg.com/) - Agents Agents [Why Us?](https://www.newhorizonsmktg.com/why-new-horizons)[Become an Agent](https://www.newhorizonsmktg.com/become-an-agent)[Sell Your Book](https://www.newhorizonsmktg.com/sell-your-book-of-business)[Support](https://www.newhorizonsmktg.com/support)[Technology & Tools](https://www.newhorizonsmktg.com/tools-technology) Agents Agents [Why Us?](https://www.newhorizonsmktg.com/why-new-horizons)[Become an Agent](https://www.newhorizonsmktg.com/become-an-agent)[Sell Your Book](https://www.newhorizonsmktg.com/sell-your-book-of-business)[Support](https://www.newhorizonsmktg.com/support)[Technology & Tools](https://www.newhorizonsmktg.com/tools-technology) - 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How to Decide Which Med Supp Plan to Sell There aren't many differences between Medicare Supplement Plan F & Plan G. This probably isn’t news to you, but let’s have a look at how they're different, and help you determine which plan you should offer your clients, along with some comparisons of popular carriers. [New to Med Supp sales? Read this beginner's guide to help you get started.](https://blog.newhorizonsmktg.com/the-beginners-guide-to-selling-medicare-supplements) ## What’s the Difference? The only real difference between Medicare Supplement Plan F & Plan G, is the Medicare Part B deductible. Plan F pays it, and Plan G does not. In 2014, that out-of-pocket deductible is $147. ## Plan G has Lower Rates Using our [Quote Engine](https://www.newhorizonsmktg.com/quotes-search.htm), I compared annual premiums from nine companies who offer both plans, using our zip code (62523). Carriers showed varying amounts of difference between the two plans, and all but two of the G Plans offset the deductible. If your client doesn’t go to the doctor very often, the entire difference is saved. ## Comparison ![Plan F/G Comparison](https://www.newhorizonsmktg.com/images/NewsImages/plan-g-or-plan-f.png) ## Likelihood of Rate Increases Plan G’s premiums are lower because carriers don’t offer [Guaranteed Issue (GI)](https://blog.newhorizonsmktg.com/an-in-depth-explanation-of-guaranteed-issue-gi-and-open-enrollment) business - it all has to be underwritten. Rate increases are often a result of too much GI business, so F Plans will almost always increase. That’s no guarantee that G Plans won’t have increases, but they’ll most likely be smaller. ## Will Selling Plan G Lower My Commission? In most cases your commission will be about the same. That's because many carriers don't pay commission on the Part B amount on F Plans anyway. ## Do This Next [Head over to our Quote Engine](https://www.newhorizonsmktg.com/quotes-search.htm) and run a quote for your area, choosing both the F & G options. Compare the rates like I did above, and see if it makes sense to offer Plan G on your next sale. Let me know what you find in the comments below. [Sales Tips](https://blog.newhorizonsmktg.com/tag/sales-tips), [Medicare Supplements](https://blog.newhorizonsmktg.com/tag/medicare-supplements) ## Comments ## Read On ### [Easily transition from Plan F to G with CSI Life](https://blog.newhorizonsmktg.com/easily-transition-from-plan-f-to-g-with-csi-life4687) With all of the Medicare Supplement Plan G business coming in the door, CSI Life offers a great... [![How to Sell Medigap Plan N: Is Plan N Worth the Risk?](https://blog.newhorizonsmktg.com/hubfs/NH-How-to-Sell-Medigap-Plan-N-Is-Plan-N-Worth-the-Risk.webp)](https://blog.newhorizonsmktg.com/how-to-sell-medigap-plan-n-is-plan-n-worth-the-risk4687) ### [How to Sell Medigap Plan N: Is Plan N Worth the Risk?](https://blog.newhorizonsmktg.com/how-to-sell-medigap-plan-n-is-plan-n-worth-the-risk4687) Originally published March 6, 2018. Updated May 30, 2024. Plan N is often a hot topic among... [![How to Present Plan N to Your Medicare Clients](https://blog.newhorizonsmktg.com/hubfs/NH-How-to-Present-Plan-N-to-Your-Medicare-Clients.webp)](https://blog.newhorizonsmktg.com/how-to-present-plan-n-to-your-medicare-clients) ### [How to Present Plan N to Your Medicare Clients](https://blog.newhorizonsmktg.com/how-to-present-plan-n-to-your-medicare-clients) Plan N has been poised to become a top Medicare Supplement choice for years, but presenting it to... This website is for agent use only. 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