Plan F

Plan F used to be the most popular Medicare Supplement plan, and many Oklahomans still have it. Since 2020, a lot of people have heard that Plan F “went away.” That’s not quite true, and the confusion leads some people to keep paying more than they need to, and others to give up a plan they’d be better off keeping.

Here’s what actually changed, what it means if you have Plan F today, and how to decide whether to keep it.

Is Plan F still available?

Since January 1, 2020, federal law has barred Plan F from being sold to people who became eligible for Medicare on or after that date. But Plan F didn’t disappear:

• If you already have Plan F, you can keep it.
• If you were eligible for Medicare before January 1, 2020, you may still be able to buy Plan F, even if you didn’t sign up for Medicare at the time.
• If you became eligible on or after January 1, 2020, you can’t buy Plan F. Plan G is the closest option available to you.

The key word is eligible, not enrolled. For example, someone who turned 65 in 2019 but delayed Medicare because they were still working may still be able to buy Plan F today.

Can I keep my Plan F?

Yes. Medicare Supplement policies are guaranteed renewable. As long as you pay your premium, your insurance company can’t cancel your policy because of your health or because Plan F is no longer sold to new enrollees. Your premium can still change over time.

Can I move my Plan F to a different company?

Yes. Leaving your current company doesn’t mean giving up Plan F. You have two ways to switch:

• The Oklahoma birthday rule. Every year, for 60 days starting on your birthday, you can switch to Plan F from another insurance company with no health questions. You can also use your birthday window to move to Plan G or Plan N. Learn how the birthday rule works.
• Any time of year, with health questions. Medigap has no enrollment period, so outside your birthday window you can still apply with any company whenever you like. You’ll need to answer health questions, and each company sets its own rules, so some are more forgiving than others.

Should I keep Plan F or switch to Plan G?

Plan G covers everything Plan F covers except one thing: the Part B deductible, which is $283 in 2026. That makes the math simple.

Sample rates as of September 2026, lowest available premiums for a non-tobacco user. Your rate depends on your age, ZIP code, and the insurance company.

There’s one more thing to consider. Because Plan F is closed to people newly eligible for Medicare, the group of people who have it is getting older over time. Many brokers expect that to push Plan F premiums up faster than Plan G premiums. That isn’t guaranteed, but it’s worth looking at your company’s history of rate increases before you decide.

A decision that’s hard to undo

If you switch from Plan F to Plan G, you generally can’t use the birthday rule to switch back, because the rule only allows moves to the same or fewer benefits. Returning to Plan F would mean answering health questions, and you could be turned down.

That doesn’t mean you should never switch. It means switching makes the most sense when the numbers clearly favor it. I’ll run the comparison with you so you can decide with the full picture.

Common questions

Do I have to wait until my birthday to change?
No. You can apply to change any time of year. Outside your birthday window, you’ll answer health questions, and each company sets its own rules. Keep your current plan until your new one is approved.

Does the fall enrollment period apply to my Medigap plan?
No. The fall enrollment period (October 15 to December 7) is for Medicare Advantage and Part D drug plans. Medicare Supplement plans don’t have an enrollment period, so you can apply to change any time of year.

Is Plan F being discontinued?
No. The 2020 change only affects who can buy Plan F. Existing Plan F policies continue, and they’re guaranteed renewable.

Does Plan F cover Part B excess charges?
Yes. Plan F and Plan G both cover excess charges. See how excess charges work.

My Plan F premium went up. What can I do?
During your birthday window, you can move to Plan F from another company, or to Plan G or Plan N, with no health questions. A rate review will show whether another company offers a better price.

What about High-Deductible Plan F?
The same 2020 rule applies. If you already have it, you can keep it. People newly eligible for Medicare since 2020 can consider High-Deductible Plan G instead.

What about Plan C?
Plan C also covers the Part B deductible and falls under the same 2020 rule. If you have Plan C, the same keep-or-switch questions apply.

Does a rate review cost anything?
No. There’s no charge and no obligation to switch.

Get a free Plan F rate review

I’ll compare your current Plan F against Plan F from other companies, and against Plan G, and tell you honestly whether switching makes sense. If keeping what you have is your best option, I’ll tell you that too.

Call me at 405-256-4669 or request a quote online. I’ll call you personally, and your information is never sold or shared.

Sources: Medicare Access and CHIP Reauthorization Act of 2015; Medicare.gov; Centers for Medicare & Medicaid Services 2026 Part B figures; Oklahoma Insurance Department. This page is general information. Premiums vary by insurance company, age, and location. Last reviewed September 30, 2026.