Do all Medicare Part G plans cost the same?

No, Medicare Plan G costs do not stay the same; premiums vary significantly by insurer, location, age, and smoking status, even though the benefits are standardized, meaning you pay different amounts for the same coverage depending on who you buy it from. Factors like your zip code, gender, and the company's pricing method (community-rated, issue-age, or attained-age) all affect your monthly premium for Plan G.

Do all Medicare plans G have the same coverage?

Yes, all Medicare Plan G policies offer the exact same core benefits because they are standardized by the federal government, meaning a Plan G from one insurer covers the same gaps in Original Medicare as a Plan G from another, but the prices (premiums) vary significantly between companies, so you shop around for the best cost. The main differences you'll find are in cost, customer service, and maybe some extra perks, not the fundamental coverage. 

What is the average cost of a Medicare Part G plan?

The average monthly cost for Medicare Supplement Plan G varies significantly, generally ranging from about $120 to $220, but can be lower or higher depending heavily on your age, location (zip code), gender, and tobacco use, with younger individuals and non-smokers paying less, and specific carriers offering different rates for the same coverage. Expect premiums to rise with age, and note that Plan G covers nearly everything Original Medicare doesn't, except the annual Part B deductible (which is $283 in 2026).
 

Who has the best Plan G Medicare supplement?

There's no single "best" Plan G provider, as it depends on your needs, but top-rated companies often include AARP/UnitedHealthcare (overall best/membership perks), Wellabe/Mutual of Omaha (low prices/variety), Anthem (extra benefits/BCBS network), and State Farm (customer satisfaction). Since Plan G benefits are standardized by Medicare, differences lie in pricing, discounts, service, and extra perks, so compare quotes in your area from carriers like Aetna, Cigna, and Humana. 

Is high deductible plan G worth it?

Yes, High Deductible Plan G (HD-G) is worth it for healthy individuals seeking lower premiums, providing strong Medicare coverage after paying a significant deductible (around $2,950 in 2026). It's ideal if you're comfortable covering initial costs in exchange for lower monthly payments, nationwide provider access, and essentially 100% coverage for the rest of the year once the deductible is met. It's a smart trade-off for those who prioritize savings and have a financial cushion for emergencies. 

Medicare Plan G vs Plan N (New Info!)

What is the disadvantage of Plan G?

The main disadvantages of Medicare Plan G are that it requires you to pay the annual Medicare Part B deductible out-of-pocket, doesn't cover prescription drugs (requiring a separate Part D plan), and excludes dental, vision, and hearing care, often leading to higher premiums than less comprehensive plans. It also means managing two separate policies (Medigap + Part D) and can have enrollment restrictions if you're outside guaranteed periods, notes Omaha Insurance Solutions.
 

Is it better to have a $500 deductible or $1 000?

Remember that filing small claims may affect how much you have to pay for insurance later. Switching from a $500 deductible to a $1,000 deductible can save as much as 20 percent on the cost of your insurance premium payments.

What is the best prescription drug plan for seniors on Medicare?

There's no single "best" Medicare Part D plan; it depends on your medications and budget, but top-rated providers for low costs/premiums often include Humana, Wellcare, UnitedHealthcare (AARP), and Cigna, with Humana Value Rx and UHC's AARP plans frequently highlighted for low deductibles or $0 options for generics, while the official Medicare Plan Finder (Medicare.gov) is the essential tool for comparing plans in your specific area. Always check the plan's formulary (drug list) and pharmacy network against your needs. 

Which medicare advantage plan denies the most claims?

Centene (Wellcare) and CVS Health (Aetna) have faced scrutiny for high prior authorization denial rates in Medicare Advantage (MA) plans, with reports showing they had the most denied requests in 2023, though many denials were overturned on appeal, indicating issues with their strict criteria, while UnitedHealthcare also faces lawsuits and uses technology that has led to increased denials, especially for post-acute care, highlighting systemic challenges with MA plan claim approvals. 

Does everyone have to pay $170 a month for Medicare?

If you don't get premium-free Part A, you pay up to $565 each month. If you don't buy Part A when you're first eligible for Medicare (usually when you turn 65), you might pay a penalty. Most people pay the standard Part B monthly premium amount ($202.90 in 2026).

What is not covered under Plan G?

Medicare Plan G doesn't cover prescription drugs (requiring a separate Part D plan), routine dental, vision (like glasses/contacts), hearing aids, long-term care, private-duty nursing, or the annual Medicare Part B deductible, but it covers nearly everything else Original Medicare doesn't pay after you meet that deductible, making it very comprehensive.
 

Does Medicare Plan G cover emergency room visits?

Medicare Plan G does provide coverage for emergency room services, but you may still be responsible for certain out-of-pocket costs, such as copayments. Understanding these details is crucial for ensuring you have the financial protection you need in case of an unexpected medical situation.

What are the biggest mistakes people make with Medicare?

The biggest Medicare mistakes involve missing enrollment deadlines, failing to review plans annually, underestimating total costs (premiums, deductibles, copays), not enrolling in a Part D drug plan with Original Medicare, and assuming one-size-fits-all coverage or that Medicare covers everything like long-term care. People often delay enrollment, get locked into old plans without checking for better options, or overlook financial assistance programs, leading to higher out-of-pocket expenses and penalties. 

What is the average premium for Plan G?

The average monthly premium for Medicare Plan G typically falls between $120 to $220, but can range widely from under $100 to over $300, even reaching over $1,000 in some areas, depending heavily on your age, gender, location, and tobacco use, with some sources showing 2025 averages around $155-$164 monthly before recent rate hikes, notes MedicareSupplement.com. 

Can I change my medicare plan G provider?

Yes, you can change Plan G providers, but approval often depends on medical underwriting, meaning the new insurer can assess your health and potentially charge more or deny coverage unless you're in your initial 6-month Medigap Open Enrollment Period or have a guaranteed issue right. You can apply anytime, but it's safest to shop during specific windows or in states with favorable rules (like the "Birthday Rule" in California, New York, etc.) to avoid underwriting. 

What is the best insurance to go with Medicare?

There's no single "best" Medicare plan, as it depends on your needs, but top-rated providers for Medicare Advantage (Part C) often include Aetna, UnitedHealthcare (AARP), Humana, and Kaiser Permanente, praised for wide networks, low costs, or extra benefits like dental/vision; for Medicare Supplement (Medigap), UnitedHealthcare/AARP and Humana frequently lead in perks and overall value. Always compare plans on Medicare.gov for your specific location and prescriptions, considering costs, doctor networks, and extra benefits like vision, dental, or fitness programs. 

Can I use GoodRx instead of my Medicare Part D plan?

Yes, you can use GoodRx instead of Medicare Part D for a specific prescription if the GoodRx price is lower or if your drug isn't covered, but you cannot combine them, and costs don't count toward your Medicare deductible; just ask the pharmacist to process it as cash, not insurance. This is best for situations where your Part D plan has high copays or doesn't cover the drug, but remember you still need Part D for overall coverage and to avoid future penalties, so compare prices carefully. 

Is Blue Cross or UnitedHealthcare better?

UnitedHealthcare gets slightly higher overall star ratings than BCBS and may offer lower prices, but BCBS might offer a better customer experience.

What is the disadvantage of UnitedHealthcare for seniors?

Disadvantages of UnitedHealthcare (UHC) for seniors often involve its Medicare Advantage plans, including potentially restrictive provider networks, frequent prior authorizations slowing care, high denial rates for claims, and significant geographical variations in plan quality, meaning benefits and costs can differ greatly by location, sometimes leading to surprise out-of-pocket costs or limited access to specific doctors/hospitals. 

Is it better to have a $500 deductible or $1 000 health insurance?

Doubling your deductible to $1,000 could save you up to 40 percent. For example, on average, a $500 deductible costs $125/month, or $1,500/year, in premiums. The average for a $1,000 deductible is about $110/month, or $1,337/year.

What are the disadvantages of Medicare Part G for seniors?

The downside of high-deductible Plan G can be, of course, your upfront cost before you receive help with out-of-pocket expenses. Assuming you have this high-deductible Medigap plan and receive a Medicare Part B-covered service, you'll be responsible for the Part B deductible, which is $257 in 2025.

Does my deductible reset every year?

Yes, your health insurance deductible typically resets annually, starting over at $0 at the beginning of each new plan year, which is often January 1st but can be a different date depending on your specific policy. This means you must pay for covered services out-of-pocket again in the new year before your insurance begins to contribute to costs. 

Why is my roof deductible so high?

Roof Age and Condition

Older roofs typically have higher deductibles because they are more susceptible to damage. If your roof is nearing the end of its lifespan, it will be more likely to sustain damage from storms or normal wear and tear, making it more expensive to insure.

Is it better to have a high or low deductible insurance plan?

Low deductibles are best when an illness or injury requires extensive medical care. High-deductible plans offer more manageable premiums and access to HSAs. HSAs offer a trio of tax benefits and can be a source of retirement income.