If you currently have Medicare Supplement Plan F, you might be wondering whether you can switch to Plan G—and more importantly, if you can do so without going through medical underwriting. This is a common question among Medicare beneficiaries, especially those looking to reduce their monthly premiums while maintaining comprehensive coverage.
In this article, we’ll explain the differences between Plan F and Plan G, what underwriting is, and the circumstances under which you may be able to switch plans without medical questions.
Can You Switch From Plan F to Plan G Without Underwriting?
In most cases, switching from Plan F to Plan G does require medical underwriting. Unless you are in a special enrollment period or state with more flexible rules, you’ll likely need to answer health questions to qualify for a Plan G policy.
Exceptions Where Underwriting May Not Be Required:
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Trial Right Periods – If you're still within your 12-month trial period after first enrolling in a Medicare Advantage Plan and returning to Original Medicare.
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Guaranteed Issue Rights – Certain life events may qualify you for a guaranteed right to switch plans without underwriting. Examples include:
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Losing other health coverage through no fault of your own.
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Your insurance company misled you or went bankrupt.
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You move out of your plan’s service area (for Medicare Advantage enrollees returning to Medigap).
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State-Specific Rules – Some states allow switching Medigap plans without underwriting during specific windows:
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California and Oregon offer a yearly "birthday rule" that allows you to switch Medigap plans without underwriting.
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Missouri has an "anniversary rule" that allows switching to a different company’s plan with the same or lesser benefits.
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Other states may have unique rules—check with your state’s Department of Insurance.
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Understanding Plan F vs Plan G
Both Medigap Plan F and Plan G offer broad coverage for out-of-pocket costs not paid by Original Medicare. However, there’s one key difference:
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Plan F coverage includes the Medicare Part B deductible.
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Plan G coverage does not include Part B deductible.
Because of this, Plan G typically has lower monthly premiums than Plan F, making it an attractive alternative for many enrollees. For those who don’t mind paying the Part B deductible (which is $257 in 2025), switching to Plan G could mean significant long-term savings.
What Is Medical Underwriting?
Medical underwriting is the process insurance companies use to assess your health status before approving your application for a Medicare Supplement plan. During underwriting, you may be asked about current medical conditions, prescription drug use, recent surgeries, and more.
If you don’t qualify due to health reasons, your application may be denied, or you could be charged a higher premium.
Is It Worth Switching From Plan F to Plan G?
Switching can make sense for many beneficiaries who are in good health and want to save money. Plan G offers nearly identical coverage to Plan F and is often priced more competitively. However, if you’re considering switching and must go through underwriting, your health status may influence whether the switch is possible—or financially beneficial.
Final Thoughts
While switching from Plan F to Plan G typically involves medical underwriting, there are exceptions based on your state or life circumstances. If you're interested in making the switch, it’s a good idea to contact a licensed insurance agent or your Medigap provider to explore your eligibility and compare quotes.
Before making any changes, always review how switching plans may affect your premiums, coverage, and access to care.