Medigap Plan G (sometimes incorrectly called part G) is one of the standardized Medicare Supplement Insurance plan options available in most states. (Massachusetts, Minnesota, and Wisconsin have different options).
Medicare Supplement Plan G is the fastest growing Medigap plan.1 Learn more about what Plan G covers, its cost and why it might be the right Medigap plan for you.
Or call 1-800-995-4219 to speak with a licensed insurance agent.
Plan G currently provides coverage for each of the standardized Medigap benefits except for the Medicare Part B deductible.
In 2020, changes to Medigap coverage requirements made Plan G the most comprehensive of any Medigap plan available to newly eligible Medicare beneficiaries (see below for more information).
|
Standard Medicare Supplement Insurance benefits |
Plan G |
|---|---|
|
Medicare Part A coinsurance and hospital costs |
✓ |
|
Medicare Part B coinsurance or copayment |
✓ |
|
First 3 pints of blood |
✓ |
|
Part A hospice care coinsurance or copayment |
✓ |
|
Coinsurance for skilled nursing facility |
✓ |
|
Medicare Part A deductible |
✓ |
|
Medicare Part B deductible |
|
|
Medicare Part B excess charges |
✓ |
|
Foreign travel emergency |
80% |
Medicare Part A is known as hospital insurance, and it includes cost-sharing measures like coinsurance. Inpatient hospital stays covered by Medicare Part A require coinsurance fees if they exceed 60 days.
Medigap Plan G pays for all of these coinsurance fees.
Medicare Part B usually charges a coinsurance and copayments for doctor visits and other outpatient care. Medicare Part B typically pays for 80% of the Medicare-approved amount for covered services, leaving a 20% coinsurance in most cases.
Plan G pays the 20% coinsurance or copayment costs.
Original Medicare only covers the fourth pint of blood and beyond. If you need blood while in the hospital, Medigap Plan G covers the cost of the first 3 pints.
Hospice care provides medical treatment and care during a terminal illness. Medicare covers these services, but it requires copayments. These copayments include $5 for each symptom and pain relief prescription drugs and 5% of the Medicare-approved amount for inpatient respite care.
Plan G covers these costs completely.
You have to pay coinsurance after you are admitted to a skilled nursing facility as an inpatient for more than 20 days.
The coinsurance charge is $204 per day for days 21-100 of an inpatient skilled nursing facility stay in 2024. After day 100, you are responsible for all costs.
Plan G fully covers your skilled nursing facility coinsurance.
Medicare Part A comes with a deductible, which is $1,632 per benefit period in 2024. Medigap Plan G will cover your deductible in full for each benefit period you require.
Medigap Plan G will cover your deductible in full for each benefit period you require.
Doctors can bill a procedure for up to 15% higher than what Medicare pays for it. The extra expenses are called “excess charges.”
If there are any excess charges for an approved visit, a person insured under Plan G would be fully covered.
This benefit provides coverage for medical care provided outside of the United States. Medigap Plan G pays for 80% of the billed charges after a $250 deductible has been met for the year.
For more detailed information, read our page about Medicare Supplement Insurance benefits.
Or call 1-800-995-4219 to speak with a licensed insurance agent.
There is a regular Plan G and a high-deductible Plan G.
If you choose the high-deductible Plan G, you must meet a yearly deductible of $2,800 in 2024 before the plan covers anything.
The high-deductible version of Plan G may have lower premiums than the regular Plan G, but it also comes with much higher out-of-pocket costs.
You can use this Medigap plans comparison chart to compare Medigap Plan G vs. Plan F vs. Plan N and the other standardized Medigap plans. (Use the scroll bar at the bottom to view all plans and information.
The popularity of Plan G is on the rise among Medicare beneficiaries, with Plan G being the fastest-growing Medigap plan.1
The average Medigap Plan G premium in 2023 was $135 per month.
The only benefit not covered by Plan G — the annual Medicare Part B deductible — costs just $240 per year in 2024 ($20 per month).
Beneficiaries who have a choice between Plan G and Plan F may benefit from choosing Plan G if the cost of the plan is at least $20 lower per month than Plan F.
The popularity of Plan G increased even faster beginning in 2020.
With Plan F and Plan C no longer offered to new Medicare beneficiaries after 2020, Plan G is now the Medigap plan that offers coverage for more standardized benefits than any other Medigap plan available for sale.
Or call now to speak with a licensed insurance agent:
A great time to enroll in Medigap is during your Medigap Open Enrollment Period (OEP).
Your Medigap Open Enrollment Period lasts for 6 months, and it starts as soon as you are at least 65 years old AND enrolled in Medicare Part B.
If you sign up for a Medigap plan during your Medigap Open Enrollment Period, Medicare Supplement Insurance companies can’t use your health status to determine your eligibility for a plan. They also can’t charge you more for a Medigap plan based on your health.
You may be able to enroll in a Medigap plan anytime outside of your Medigap Open Enrollment Period. You may face medical underwriting if you do so, unless you qualify for a guaranteed issue right.
If you have a guaranteed issue right, Medigap insurance companies can’t use your health to determine your eligibility or plan rates.
A licensed insurance agent can help you determine whether or not you qualify for a guaranteed issue right. Not all plan types may be available for purchase if you have a guaranteed issue right.
You may have Plan G options available in your area. A licensed insurance agent can help you compare Medigap plans available near you and help you find a plan that fits your coverage and budget needs.
Or call now to speak with a licensed insurance agent:
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