Learn About Medigap Plan-G
Medicare Supplement Plan G is one of the most comprehensive Medigap plans available to new Medicare beneficiaries (those eligible for Medicare on or after January 1, 2020). It covers almost all out-of-pocket costs associated with Original Medicare (Part A and Part B), leaving you with very few remaining expenses.
Plan G does not cover:
- Medicare Part B Deductible: This is the only gap in coverage for Plan G. You are responsible for paying the Medicare Part B annual deductible (projected to be $257 in 2025) yourself.
- Prescription Drugs: Medigap plans, including Plan G, do not cover prescription drugs. You will need a separate Medicare Part D Prescription Drug Plan for this coverage.
- Routine Vision, Dental, or Hearing: Standard Medigap plans do not cover routine dental, vision, or hearing services (like eyeglasses or hearing aids).
High-Deductible Plan G (HDG):
A high-deductible version of Plan G is also available. With this option, you pay all Medicare-covered costs (including deductibles, coinsurance, and copayments) up to a set deductible amount (projected to be $2,870 in 2025) before the plan begins to pay anything. HDG plans typically have lower monthly premiums.
Plan G covers:
- Part A Coinsurance & Hospital Costs: Covers 100% of Part A coinsurance and hospital costs for an additional 365 days after Medicare benefits are exhausted.
- Part B Coinsurance or Copayment: Covers 100% of the Part B coinsurance or copayment, generally 20% of the Medicare-approved amount, after you meet the Part B deductible.
- Blood (First 3 Pints): Covers the cost of the first 3 pints of blood each year.
- Part A Hospice Care Coinsurance or Copayment: Covers 100% of the coinsurance or copayment for Medicare-approved hospice care.
- Skilled Nursing Facility (SNF) Care Coinsurance: Covers 100% of the coinsurance for skilled nursing facility care.
- Part A Deductible: Covers 100% of the Medicare Part A deductible.
- Part B Excess Charges: This is a significant benefit of Plan G. It covers 100% of Part B excess charges (the difference between what a provider charges and the Medicare-approved amount, up to 15% above the Medicare-approved amount).
- Foreign Travel Emergency: Covers 80% of approved foreign travel emergency costs (up to plan limits, typically after a small deductible, and a lifetime maximum).
What does a Plan-G Medicare Supplement cover?
| Benefit | Plan G Coverage |
|---|---|
|
Part A Coinsurance & Hospital Costs (up to an additional 365 days after Medicare benefits are used) |
✔ 100% |
|
Part B Coinsurance or Copayment |
✔ 100% |
|
Blood (First 3 Pints) |
✔ 100% |
|
Part A Hospice Care Coinsurance or Copayment |
✔ 100% |
|
Skilled Nursing Facility Care Coinsurance |
✔ 100% |
|
Part A Deductible ($1,676 per benefit period in 2025) |
✔ 100% |
|
Part B Excess Charges |
✔ 100% |
|
Foreign Travel Emergency (80% up to plan limits, after deductible) |
✔ 80% |
What does a Plan-G Medicare Supplement NOT cover?
| Benefit | Plan G Coverage |
|---|---|
|
Out-of-Pocket Limit |
✖ N/A (No limit for Plan G) |
|
Part B Deductible ($257 per year in 2025) |
✖ Not Covered |
View other Medicare Supplement Plans
Important Notes for Medicare Supplement Plan G (2025):
- Part B Deductible: The only Original Medicare cost not covered by a standard Plan G is the Medicare Part B annual deductible ($257 in 2025).
- **High-Deductible Plan G (HDG):** A high-deductible version of Plan G is available. With HDG, you pay all Medicare-covered costs (including the Part B deductible) up to a deductible amount of $2,870 in 2025 before the plan begins to pay. HDG usually has lower monthly premiums.
- Prescription Drugs: Medicare Supplement plans (including Plan G) do NOT cover outpatient prescription drugs. You will need a separate Medicare Part D plan for drug coverage.
- **Eligibility:** Plan G is generally the most comprehensive option for those who became eligible for Medicare on or after January 1, 2020. Plan F, which covers the Part B deductible, is not available to this group.
- **Premiums:** Premiums for Plan G vary by insurance company, location (e.g., West Vero Corridor, Florida), age, gender, and other factors. This table compares benefits, not cost.
- **State Variations:** This table applies to most states. Massachusetts, Minnesota, and Wisconsin have different standardized Medigap plans.
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