Medicare Supplement Insurance Plan G (Medigap) Coverage and Costs

What Medicare Supplement Plan G Covers in 2026-2027

Plan G is known for being comprehensive. Once you pay your small annual deductible, the plan steps in to cover almost everything else.

• Hospital Expenses: Covers 100% of Part A hospital costs, including deductibles and coinsurance, for up to 365 days after your Medicare benefits run out.

• Medical Expenses: Pays the 20% coinsurance or copayment that Original Medicare Part B usually leaves for you to pay.

• Blood Transfusions: Covers the cost of the first three pints of blood.

• Hospice Care: Covers Part A coinsurance or copayments for end-of-life care.

• Skilled Nursing: Pays the coinsurance for care in a skilled nursing facility.

• Excess Charges: If a doctor charges more than the Medicare-approved amount, Plan G covers these excess charges.

• Foreign Travel Emergencies: Covers 80% of approved costs for medical emergencies while traveling outside the U.S. (up to plan limits).

Who Should Consider Medicare Supplement Plan G

Medicare Supplement Plan G helps cover out-of-pocket costs not covered by Original Medicare. Whether Medicare Supplement Plan G is right for you will depend on your unique circumstances and coverage needs. Plan G is often considered the gold standard plan for seniors who: 

1. Visit the Doctor Often: You won't have to worry about a bill for every appointment.

2. Want a Simple Budget: You pay your monthly premium and one small deductible, and that’s usually it for the year.

3. Live in Certain States: Some states allow doctors to charge more than Medicare’s set rate; Plan G protects you from these extra costs.

Advantages of Medicare Supplement Plan G

• Top-Tier Coverage: It is the most protective plan available to new Medicare members.

• No Copays: After you meet your deductible, you pay $0 for doctor visits.

• Freedom of Choice: You can see any doctor in the country that accepts Medicare.

Disadvantages of Medicare Supplement Plan G

• Higher Monthly Cost: Because it pays so much, the premium is usually higher than plans with less coverage.
  

• Yearly Deductible: As part of this plan, you need to pay $283 for your first medical bills of the year.

Medicare Supplement Plan G Costs in 2026-2027

The price you pay for Plan G depends on which insurance company you choose. Even though the benefits are the same, prices can vary widely based on your age, health, and where you live.

How Pricing Works

Companies generally use one of three ways to price their plan:

• Community-Rated: Everyone in your area pays the same price, regardless of age.

• Issue-Age-Rated: Your price is based on your age when you first bought the plan. It won't go up just because you get older.

• Attained-Age-Rated: The price starts lower but increases as you get older.

Medicare Supplement Plan G Monthly Premium 

While all insurance prices can go up over time, Plan G often sees more stable, predictable rate increases than older plans like Plan F. This is because many healthy new members choose Plan G, helping keep the pool of insured people balanced.

Find the Right Medicare Supplement Plan For You With SelectQuote

It can be hard to determine what Medicare plan is best for you, your healthcare needs, and your budget. At SelectQuote, we’ll take the time to learn about your specific needs so we can shop and compare Medicare Supplement Insurance plans available in your area. The service is free, and there’s no obligation to enroll.