Medicare Supplement Plan G (Medigap)
Plan G is the most popular Medicare Supplement plan for new enrollees, offering nearly full coverage of your Medicare out-of-pocket costs.
May River Medicare Insurance helps you compare rates, enroll in the best plan, and avoid costly mistakes—always unbiased, always free.
May River Medicare Insurance helps you compare rates, enroll in the best plan, and avoid costly mistakes—always unbiased, always free.
What Does Plan G Cover?
- Pays 100% of Medicare Part A hospital coinsurance and costs (after deductible)
- Pays 100% of Part B coinsurance (doctor/ER/urgent care copays)
- Pays skilled nursing facility coinsurance, hospice copayments
- Pays first 3 pints of blood each year
- 80% of approved foreign travel emergency costs
- Only thing you pay is the Part B deductible ($240 in 2024)
How Much Does Plan G Cost?
- Monthly premium varies by age, ZIP code, carrier, tobacco use, and enrollment time
- No copays, no network restrictions, no referrals needed
- Freedom to see any doctor or hospital nationwide that accepts Medicare
- Rates can increase each year, so we shop every company for you
Plan G vs Plan N vs Plan F
- Plan G: Pays all Medicare gaps except Part B deductible
- Plan N: Lower premium, but you pay small copays ($20 office, $50 ER) and no Part B excess charges
- Plan F: No longer available to new enrollees; covers everything Plan G does plus the Part B deductible
Who Should Choose Plan G?
- Anyone who wants predictable, low out-of-pocket medical costs
- Travelers or “snowbirds” needing nationwide access to care
- People who want to avoid network restrictions and referrals
- Those new to Medicare (Plan F closed to new enrollees after 2020)
Ask us to run Plan G quotes and compare every carrier instantly.
How May River Medicare Helps
- Unbiased rate comparison for every Medigap Plan G in your ZIP code
- Simple online enrollment—no pressure, no sales calls
- Ongoing help with billing, rate increases, and claims support
- Expert answers to all your Medigap questions
Get your personalized Plan G quote and save on coverage.
FAQs: Medicare Supplement Plan G
Does Plan G cover prescriptions?
No, you’ll need to add a separate Part D plan for drug coverage.
No, you’ll need to add a separate Part D plan for drug coverage.
Can I use any doctor or hospital?
Yes—any provider nationwide that accepts Medicare.
Yes—any provider nationwide that accepts Medicare.
Is there medical underwriting?
Yes, unless you enroll during your Medigap Open Enrollment Period or qualify for guaranteed issue rights.
Yes, unless you enroll during your Medigap Open Enrollment Period or qualify for guaranteed issue rights.
Can I switch to Plan G later?
You can apply anytime, but approval depends on your health if you’re outside your guaranteed window.
You can apply anytime, but approval depends on your health if you’re outside your guaranteed window.
How does Plan G compare to Plan N?
Plan N has lower premiums but more out-of-pocket costs. We’ll show you both options.
Plan N has lower premiums but more out-of-pocket costs. We’ll show you both options.
Still have questions? Get a free, unbiased Plan G quote and side-by-side Medigap comparison from our advisors.
Call (843) 227-6725 or book your free Medigap consultation now.
Call (843) 227-6725 or book your free Medigap consultation now.
Medigap Plan G Offers Great Benefits
Medigap Plan G Benefits
Medicare Supplement Plan G has become one of the most popular Medigap plans among beneficiaries in recent years.
Medicare Plan G coverage is very similar to Plan F, which is no longer available for people new to Medicare on or after January 1, 2020. Plan G offers excellent value for beneficiaries willing to pay a small annual deductible. After that, Plan G provides full coverage for all Medicare gaps, paying for your Medicare Part A hospital deductible, copays, and coinsurance.
It also covers the 20% that Medicare Part B doesn’t cover. Doctors and other healthcare providers must accept a Medigap Plan G if they accept Original Medicare. Medicare beneficiaries can use their Plan G policy across the U.S. since Medigap plans do not have network limitations. The premium costs can be reasonable for the coverage you receive.
The chart below shows basic information about the different benefits Medigap policies cover.
✔ = the plan covers 100% of this benefit
X = the plan doesn’t cover this benefit
% = the plan covers that percentage of this benefit and you’re responsible for the rest
N/A = not applicable
The Medigap policy will only pay your coinsurance after you’ve paid the deductible (unless the Medigap policy also covers your deductible).
Medicare Supplement Plan G Coverage is Comprehensive
Since Plan G is so popular, many people ask, “What does Plan G cover?” Medicare Supplement Plan G covers your percentage of any medical benefit that Original Medicare covers, except for the outpatient deductible. So, it helps to pay for inpatient hospital costs, such as the first three pints of blood, skilled nursing facility care, and hospice care.
It also covers outpatient medical services such as doctor visits, lab work, diabetes supplies, cancer treatment, surgeries, and more. All Plan G products must provide you with the same coverage regardless of the carrier.
Quick Medicare Answer
Plan G does not cover the Part B deductible or any service that Medicare does not cover. For example, Medicare does not cover routine dental, vision, or hearing; therefore, Plan G won’t cover those services.
Medicare pays first, and then Plan G pays the remaining amount after you pay the once-annual deductible. In addition, Plan G Medicare Supplements offer up to $50,000 in foreign travel emergency benefits (up to plan limits).
Medicare Plan G Pays your Deductibles AND Co-insurance
Medicare Plan G, also called Medigap Plan G, is an increasingly popular Supplement for several reasons.
First, Plan G covers each of the gaps in Medicare except for the annual Part B deductible. This deductible is only $240 in 2024. In fact, if you have a Plan F that has been in place for years, our team might be able to help you with premium costs by looking at Plan G.
When we help you shop rates at Boomer Benefits, we often find a Supplement Plan G that saves quite a bit in premiums over Plan F, usually substantially more than the $240 deductible you’ll pay out.
Key Takeaways
Plan G tends to be the most cost-effective Medigap plan as the only out-of-pocket cost is the Part B deductible.
As long as Medicare pays for a service, Plan G will cover the remaining costs once the deductible is met.
If you don’t enroll in Plan G during your Medigap Open Enrollment window, you may need to answer health questions depending on where you live.
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