Plan G Medicare Supplement Coverage: What You Need to Know

Plan G Medicare Supplement Coverage is a popular choice for those looking to fill gaps in their Original Medicare coverage. It offers comprehensive coverage for out-of-pocket expenses.

Plan G typically covers 100% of Medicare Part B excess charges, which can be a significant cost savings for some individuals.

The annual deductible for Plan G is $226, and it does not cover the Medicare Part B deductible.

Medicare Supplement Coverage is designed to fill in the gaps of traditional Medicare coverage. It's a private health insurance policy that can be purchased to supplement Medicare Part A and Part B.

Medigap Plan G, in particular, covers a wide range of medical expenses, including Part A coinsurance and hospital costs, Part A deductible, and Part B coinsurance or copayment.

Here's a breakdown of what Medigap Plan G covers:

Note that Medigap Plan G does not cover prescription medication, vision care, eyeglasses, dental care, hearing aids, long term care, or private duty nursing.

Medicare Supplement Plan G is a popular choice among those looking to fill the gaps in traditional Medicare coverage. This plan provides almost the same level of coverage as Plan F, which offers extensive coverage with the lowest out-of-pocket expenses of all plans for Medicare-covered services.

You'll pay the Medicare Part B annual deductible before Plan G will kick in to start paying Part B costs. This can be a significant expense, but it's a cost-effective option for those who want a lower premium and are able to pay the Part B deductible if needed.

Plan G covers Part A hospital and coinsurance costs up to an additional 365 days after the end of Medicare benefits. It also covers Part A hospice coinsurance or copayments, Part A deductible, and Part B coinsurance or copayments.

One of the key benefits of Plan G is that it covers Part B excess charges, which are costs over the amount Medicare approves for a procedure or service. In some states, a doctor can bill 15% more than Medicare allows for a medical service, and Plan G typically pays the difference.

Here's a breakdown of what Plan G covers:

Keep in mind that Plan G does not cover the Part B deductible, prescription medication, vision care and eyeglasses, dental care, hearing aids, long-term care, or private duty nursing.

Medicare Supplement Coverage provides additional financial protection for medical expenses not covered by Medicare.

Medicare Supplement Plan G covers Part A hospital and coinsurance costs up to an additional 365 days after Medicare benefits are used up. This can be a lifesaver for people who need extended hospital stays.

Medigap Plan G also covers Part A deductible, which can be up to $1,676. This means you won't have to pay the full deductible amount out of pocket.

Plan G pays the Part A deductible, so you won't have to pay it yourself. This can be a significant cost savings.

Medicare Supplement Plan G covers Part B coinsurance or copayments, which can be up to 20% of Medicare-approved amounts. This can be a significant cost for people with ongoing medical needs.

Here's a breakdown of what Medicare pays, Plan G pays, and what you pay for Part B coinsurance or copayments:

Medicare Supplement Plan G also covers blood transfusions for the first three pints, which can be a lifesaving treatment for people with anemia or other blood disorders.

Overall, Medicare Supplement Plan G provides significant financial protection for medical expenses not covered by Medicare.

Medigap Plan G covers a wide range of medical expenses, including Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up.

Medicare Supplement Plan G also covers Part A deductible, Part A hospice care coinsurance or copayment, and Part B coinsurance or copayment.

One of the key benefits of Medigap Plan G is that it covers Part B excess charges, which are costs over the amount Medicare approves for a procedure or service. This can be a significant advantage for those who need medical care that exceeds Medicare's approved amount.

Medigap Plan G also covers blood transfusions for the first three pints, skilled nursing facility care coinsurance, and medically necessary emergency health care service for the first 60 days when traveling outside the U.S.

Here's a breakdown of the standard medical expenses that Medigap Plan G must cover, as required by Medicare:

Medigap Plan G has its limitations, and it's essential to understand what it doesn't cover.

The Part B deductible is not covered by Medigap Plan G, which means you'll still have to pay for it out of pocket.

Medigap Plan G also doesn't cover prescription medication, so you'll need to consider other options, such as Medicare Part D, to help with prescription costs.

Here's a list of what Medigap Plan G doesn't cover:

It's also worth noting that Medigap Plan G doesn't cover long term care, so if you're planning for future care needs, you'll need to consider other options.

To be eligible for Medigap Plan G, you must be enrolled in Medicare Part B. You can sign up for Medigap during the six-month open enrollment period, which starts once you're 65 and enrolled in Medicare Part B.

Premiums for Medigap Plan G vary according to age, location, tobacco use, and other factors. For a 65-year-old female nonsmoker in Atlanta, premiums range from $119 to $321 per month.

The best time to buy your Medicare Supplement Plan G policy is during the six-month open enrollment period, when insurance companies aren't allowed to factor your health or medical history into your price.

Premiums for Medigap Plan G are set by the private health insurance companies that sell it, and may be affected by factors such as a person's gender, age, geographical location, and any added benefits above the standardized benefits for Medigap Plan G.

Some states offer a high-deductible Plan G, which provides the same benefits after a deductible of $2,870 in 2025 is paid. Monthly premiums for the same 65-year-old nonsmoker in Atlanta range from $42 to $76.

A high-deductible plan may be a good option for those who want to save on premiums, but keep in mind that you'll need to pay the deductible before the plan kicks in.

You can use the Medigap Plan Finder tool on Medicare.gov to find Medigap policies and insurance companies in your area, and to get an estimate of the costs, including a range of premiums for the state.

Medigap plans are standardized by the federal government, which means Medigap Plan G will offer the same basic benefits everywhere.

The best time to buy your Medicare Supplement Plan G policy is during the six-month Medigap open enrollment period. This period starts once you’re 65 and enrolled in Medicare Part B, and lasts for six months.

You'll find that Medigap Plan G provides higher coverage compared to other plans, but be aware that some private insurance companies may offer additional plan benefits. They can decide which policies to offer in a person’s resident state, but they don't have to provide Medigap Plan G.

Here's a breakdown of Medigap plan types:

Mediap vs. Medicare vs. Medicaid can be confusing, but let's break it down.

Medicare is a federal health insurance program primarily for people 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (ESRD).

Medicaid, on the other hand, is a joint federal-state program that provides health coverage to low-income individuals and families.

Mediap, as we learned earlier, is a new type of health insurance that combines elements of Medicare and Medicaid.

One key difference between Mediap and Medicare is that Mediap requires no premiums, whereas Medicare premiums can be steep for some beneficiaries.

Medigap is a type of Medicare Supplement Insurance that helps pay for gaps in Original Medicare, including deductibles, coinsurance, and copayments.

Private companies offer Medigap plans, but the federal government standardizes them, meaning every Medigap Plan G will offer the same basic benefits.

Some private insurance companies may offer additional plan benefits, but they can only offer certain policies in specific states, and not all states have Medigap Plan G available.

Certain states, such as Wisconsin, Minnesota, and Massachusetts, standardize their Medigap plans differently, so it's essential to compare benefits before choosing a plan.

To compare Medigap Plan G benefits, it's crucial to check which plans are available in your state and what benefits each plan offers.

Medicare Supplement Plan G is often more expensive than other plan types because it covers a wide range of benefits.

Whether it's worth it to you depends on the specifics of prices available to you and the value you place on Plan G’s added coverage.

Medicare Supplement Plan G and Plan N are the two most popular Medicare Supplement Insurance plans available for new Medicare members.

Plan N generally has lower premiums than Plan G, but it covers a little less.

Plan N also has copays for certain medical office and emergency department visits, which can add up quickly if you have to pay them often.

If you don't have a lot of those visits, Plan N might be the better deal for you.