Medicare Supplement Plan G

Plan G

Highlights

Medicare Supplement Plan G is one of the most popular Medigap plans.

Medigap Plan G highlights:

Identical to Plan F except doesn't cover Part B deductible
Lower monthly premiums than Plan F
Our most popular plan
Use with any doctor that accepts Medicare
$240 annual deductible (in 2024)
Covers Part B excess charges

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Medigap Plan G Quote

Comparison of Popular Medigap Plans

Basic benefits*, including 100%

Part B coinsurance

Part A deductible

Part B deductible

100% Part B excess charges

$0 plan deductible

Plan G

$240Part B deductible

Quote

Plan N

$20 copayment for office visit; $50 copayment for ER

$240 Part B deductible

Not covered

Plan HDG

(after deductible)

$240 Part B deductible

$2483 annual plan deductible

*Basic benefits:

Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.
Medical Expenses: Part B coinsurance (generally 20% of Medicare-approved expenses) or copayments for hospital outpatient services. Plans K, L, and N require insureds to pay a portion of Part B coinsurance or copayments.
Blood: First 3 pints of blood each year.
Hospice: Part A coinsurance.

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How Much Does Medigap

Plan G Cost?

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What Does Medigap

Plan G Cover?

Like all Medicare Supplement plans, Plan G is federally standardized, meaning every Plan G policy includes identical coverage, regardless of insurance company. With Medicare Supplement Plan G you'll have almost no out-of-pocket medical expenses. Plan F is the most comprehensive Medigap plan, but Plan G is a close second. Plan G coverage is identical to Plan F with one exception: with Plan G you are responsible for the Medicare Part B deductible of $226 (in 2023).

Plan G covers:

Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.
Medical Expenses: after Part B deductible, plan pays remaining balance of Medicare-approved amounts (generally 20% after Medicare pays 80%).
Blood: First 3 pints of blood each year.
Hospice: Part A coinsurance.
Skilled Nursing Facility Care: up to 100 days of skilled nursing facility care.
Part B Excess Charges: 100% of Part B excess charges.
Foreign Travel Medical Services: after a $250 deductible during the first 60 days, Plan G pays 80% of the remainder of charges up to a lifetime maximum of $50,000.

Printable Full Description of

Plan G Coverage

Plan G Full Description.pdf

Should You Choose Medigap Plan G?

Medicare Supplement Plan G is our most popular Medigap plan. Like Plan F, Plan G offers the security of knowing that regardless of your health, you'll have nearly all of your medical expenses covered by the plan. The only difference is that Plan G kicks in after your $226 Part B deductible is met.

Plan F is no longer available to those who weren't Medicare-eligible prior to 2020. Even if you are elgibile for Plan F, there are a few reasons you might choose Plan G over Plan F:

Lower premiums. Plan G has lower premiums than Plan F. If the annual premium savings with Plan G exceeds the $226 deductible covered by Plan F, then financially it makes sense to choose Plan G.
Price stability. Plan F will be eliminated for newly eligible enrollees in 2020. Those already enrolled in Part F will be able to keep their plans, however, most predict that once Plan F is eliminated, its premium rates will increase more than other plans.