Plan G is the go-to Medicare Supplement plan for new enrollees because it covers almost everything Original Medicare leaves behind. Here's what to know.
What does Medicare Supplement Plan G cover?
Plan G covers the Part A hospital deductible and coinsurance, the 20% Part B coinsurance, Part B excess charges, skilled nursing facility coinsurance, the first three pints of blood, hospice coinsurance, and 80% of foreign travel emergency care up to plan limits. The only major cost it leaves to you is the annual Part B deductible. Once you've met that deductible, Plan G typically pays your remaining Medicare-approved costs in full, meaning predictable, near-zero out-of-pocket spending for covered services. Because it's standardized, every insurer's Plan G is identical. Call 1-800-MEDIGAP (1-800-633-4427) to compare Plan G prices from multiple carriers.
Why is Plan G so popular?
Plan G is the most popular Medigap plan for newly eligible beneficiaries because it offers the most comprehensive coverage now available to them. Plan F, which once held that title, is closed to anyone who became Medicare-eligible on or after January 1, 2020, leaving Plan G as the top comprehensive option. With Plan G, you pay one annual deductible and then face virtually no other costs for Medicare-covered care, including the Part B excess charges that some other plans don't cover. That predictability, plus nationwide provider freedom, makes it the default choice for people who want maximum peace of mind.
How much does Plan G cost in 2026?
Plan G premiums vary by age, ZIP code, gender, tobacco use, and insurer, commonly ranging from about $90 to $300+ per month. Since benefits are identical across carriers, the same Plan G coverage can cost dramatically different amounts depending on the company, so shopping around can save hundreds per year. Your only other expected cost is the annual Part B deductible. A licensed agent at 1-800-MEDIGAP can compare every Plan G carrier in your area at no cost so you lock in the lowest premium.