Does plan G cover vision?

No, Medicare Supplement Plan G (Medigap Plan G) does not cover routine vision care like eye exams for glasses, contact lenses, or routine dental/hearing services because Original Medicare (Parts A & B) doesn't cover them, and Plan G supplements what Original Medicare covers. You'll need separate, stand-alone vision/dental plans or a Medicare Advantage plan (Part C) that includes these benefits for coverage.

Does Medicare Part G cover vision?

No, standard Medicare Supplement Plan G does not cover routine vision care like eye exams, glasses, or contacts, because Original Medicare (Parts A & B) doesn't cover them either, and Plan G only fills gaps in Original Medicare. To get vision coverage, you'd need a separate stand-alone vision plan or look into Medicare Advantage Plans (Part C) that bundle vision, dental, and drug benefits, notes Blue Shield of California. 

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.
 

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.
 

What does Medicare G cover?

Medicare Supplement Plan G (Medigap Plan G) covers most out-of-pocket costs from Original Medicare (Parts A & B) after you pay your Part B deductible, including Part A deductibles, coinsurance for hospital stays (up to 365 days beyond Medicare), Part B coinsurance, Part B excess charges, hospice coinsurance, and the first three pints of blood, plus foreign travel emergencies. It essentially fills almost all gaps in Original Medicare, except the Part B deductible, making it a comprehensive option for new enrollees.
 

The HIDDEN Differences Between Medicare Advantage and Supplemental Plans

What plan G does not cover?

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.
 

How much does Medicare Plan G cost per month for seniors?

36% of Medigap beneficiaries have Plan F. The average cost of Medicare Supplement Plan G in in 2025 are lowest for beneficiaries at age 66 ($142.67 per month) and highest at age 98 ($319.38 per month). 39% of Medigap beneficiaries have Plan G.

Who has the best medicare plan G?

The "best" Medicare Plan G depends on your needs, but top providers in 2026 include UnitedHealthcare, Cigna, Anthem, and Aetna, balancing comprehensive coverage (covering all Original Medicare costs except the Part B deductible) with potential extra perks like wellness programs, says Investopedia and MedicareGuide.com research, Centers for Medicare & Medicaid Services | CMS (.gov). Key factors for choosing are your budget (premiums), potential discounts (Cigna), customer service (UHC), and state availability, as benefits are standardized but prices and perks vary significantly by carrier. 

What is the maximum out-of-pocket for Plan G?

Medigap Plan G has no true out-of-pocket maximum for most services; your only required yearly cost is the Medicare Part B deductible (e.g., $257 in 2025), after which it covers everything else 100%. However, there's a High-Deductible Plan G, which requires you to pay up to a separate deductible (around $2,870 for 2025) for Medicare-approved services before coverage kicks in, but then covers 100%.
 

Why is a plan G better than an advantage plan?

In contrast, Medicare Advantage plans often require referrals and limit care to a specific network of providers. Plan G gives you budget-friendly predictability. After you meet your annual Medicare Part B deductible (just $240 in 2025), Plan G covers nearly all other out-of-pocket costs.

Does Plan G cover 100%?

Once deductible is paid, Medicare and Plan G cover 100% of all approved services for the rest of the year. Same benefits as Standard Plan G, but with a deductible before coverage begins. The total deductible in 2025 is $2,870 (includes the Part B deductible).

Can I drop my medicare advantage plan and go back to original Medicare?

Yes, you can drop your Medicare Advantage (MA) plan and return to Original Medicare, typically during the Annual Enrollment Period (AEP) (Oct 15–Dec 7) or the MA Open Enrollment Period (OEP) (Jan 1–Mar 31), though you may qualify for a Special Enrollment Period (SEP) if you move or have other qualifying life events, but be aware you'll need to get a Part D plan and might want a Medigap plan to help with costs. 

What does Dave Ramsey say about Medicare?

Dave Ramsey's Medicare advice centers on planning ahead, understanding enrollment periods to avoid penalties, using Health Savings Accounts (HSAs) if possible, and supplementing Original Medicare with Medigap or Medicare Advantage (Part C) to cover gaps like dental, vision, and long-term care, stressing that mistakes can be costly and recommending expert advice for personalized choices. 

What is the best vision insurance for seniors on Medicare?

What is the best vision insurance for seniors?

1. Direct Vision Insurance. Direct Vision is a vision insurance company that offers plans with low premiums, so it can be a good place to start. ...
2. VSP. VSP is another popular option in the world of vision insurance for retirees and seniors. ...
3. Spirit Dental and Vision Insurance.

Does Medicare Plan G pay for cataract surgery?

Yes, Medicare Plan G covers cataract surgery by filling in gaps left by Original Medicare (Parts A & B), paying your Part B coinsurance and deductibles for medically necessary procedures, including standard intraocular lenses (IOLs). You'll still pay the annual Part B deductible (around $240 in 2025) first, but Plan G then covers the remaining 20% coinsurance for the surgery, facility, and standard lens.
 

Is Plan G worth the cost?

Yes, Medicare Plan G is often considered "worth it" for its comprehensive coverage, providing maximum financial security by covering nearly all out-of-pocket costs (except the small Medicare Part B deductible) for those new to Medicare, offering peace of mind and predictable budgeting, though it comes with higher premiums than less comprehensive plans like Plan N, making it ideal for those wanting extensive benefits and nationwide provider access. 

Do Plan G premiums increase with age?

Yes, Plan G premiums can increase with age, but it depends on the insurer's pricing method: Attained-Age plans raise rates as you get older, making them cheaper at first but pricier later; Issue-Age plans lock in your initial enrollment age, so premiums don't rise due to age; and Community-Rated plans charge everyone the same, regardless of age, though all types can see increases from inflation. 

What is not covered by Medicare Plan G?

Medigap Plan G doesn't cover things Original Medicare doesn't, primarily prescription drugs (requiring a separate Part D plan), dental, vision (glasses/exams), hearing aids, long-term care, or private-duty nursing, and you're responsible for the annual Part B deductible before it starts paying. Plan G is comprehensive for Medicare-approved services, covering most gaps like copays and coinsurance, but excludes these common health & wellness items. 

Does Plan G pay for a gym membership?

No, Original Medicare (Parts A & B) doesn't cover gym memberships, and while Medicare Plan G (a Medigap) is comprehensive, gym access isn't a standard benefit; however, many insurance carriers add free or discounted memberships through wellness programs like SilverSneakers or Renew Active to their Plan G policies, so you must check your specific policy for these optional extras. 

What Medicare plan pays 100%?

**For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($257 in 2025) ($283 in 2026), the Medigap plan pays 100% of covered services for the rest of the calendar year.

Is it better to go on Medicare or stay on private insurance?

Neither Medicare nor private insurance is universally "better"; the best choice depends on individual needs, but Medicare often offers lower overall costs and simplicity for seniors, while private insurance excels in covering dependents and potentially offering more choice with networks/out-of-pocket caps, though at higher premiums. Medicare boasts lower admin costs and standardized coverage, but Original Medicare lacks an out-of-pocket maximum, a feature typically found in private plans and Medicare Advantage (Part C). 

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 Medigap G cover vision?

No, standard Medicare Plan G (a Medigap policy) does not cover routine vision care like eye exams, glasses, or contact lenses, because Original Medicare doesn't cover them either; however, some specific "Extra" or "Plus" versions of Medigap plans (like G Extra) offered by certain carriers might bundle limited vision benefits, and you can get vision coverage through a separate Medicare Advantage plan or a stand-alone vision plan. 

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).