Does plan G have a deductible?

Yes, standard Medicare Plan G has one deductible: the annual Medicare Part B deductible (around $283 in 2026) before it covers other costs, but there's also a separate High-Deductible Plan G (HDG) with a much higher deductible (around $2,950 in 2026) before it pays anything. After you meet the Part B deductible, standard Plan G covers most other Medicare costs, while HDG requires you to pay more out-of-pocket first.

What is the deductible for Plan G?

Medicare Plan G has two versions: the standard plan, which covers costs after your Medicare Part B deductible ($283 in 2026) is met, and the High-Deductible Plan G (HDG), which requires you to pay a separate, higher annual deductible of $2,950 in 2026 for Medicare-approved costs before it pays anything. Once the HDG deductible is met, it covers all remaining Medicare Part A & B costs (except Part B excess charges) for the year, offering lower monthly premiums in exchange for higher upfront 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).

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.
 

How Does Medicare Plan G Cover Medications?

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 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.
 

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. 

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.

What is the best prescription drug plan for seniors?

There's no single "best" Medicare Part D plan; it depends on your specific drugs and needs, but top-rated insurers often include UnitedHealthcare (AARP), Humana, and Cigna/Evernorth, praised for satisfaction, low costs, or perks, while you should compare plans on the official Medicare Plan Finder using your medication list, budget, and preferred pharmacies. Key factors are your drug formulary (list), monthly premium, deductible, copays, and network coverage, with 2026 plans having a $2,100 out-of-pocket max and $35 insulin cap. 

Is there a penalty to switch from Medicare advantage to original Medicare?

No, there's no direct penalty for switching from Medicare Advantage (Part C) back to Original Medicare (Parts A & B), but you risk significant issues: losing drug coverage (Part D penalty if you don't enroll in a separate plan) and potentially being denied or paying much more for a Medigap supplement due to medical underwriting after your initial guarantee period ends. You must switch during specific enrollment periods (Annual Election Period: Oct 15-Dec 7, or MA Open Enrollment: Jan 1-Mar 31). 

Which is better, Plan D or Plan G?

The only difference between Plan D and Plan G is that Part B excess charge coverage. So if you're deciding between the two, your decision will likely depend on how important that excess charge coverage is to you.

Can I deduct Medicare part G premiums on my taxes?

Yes, your Medicare premiums can be tax deductible as a medical expense if you itemize deductions on your federal income tax return. You can only deduct medical expenses after they add up to more than 7.5 percent of your adjusted gross income (AGI).

What is the best health insurance for seniors on Medicare?

There's no single "best" health plan, as it depends on your needs, but top providers for Medicare Advantage (Part C) include Humana, UnitedHealthcare, Aetna, and BCBS, offering diverse benefits like $0 premiums, extra perks, and strong networks, while Medigap (Medicare Supplement) complements Original Medicare by filling gaps, with popular carriers like AARP/UHC, Anthem, and Cigna providing standardized policies (Plans G, F, N), with personalized choices best found via your State SHIP counselor or broker. 

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. 

At what point is full coverage not worth it?

Full coverage isn't worth it when your car's low value (e.g., less than 10x annual premium) doesn't justify the cost, you have savings to cover repairs/replacement, the vehicle is paid off, or you can't afford a high deductible, especially if the car is older and the payout won't cover much after deductible. It becomes a bad deal when the cost of premiums outweighs the actual cash value (ACV) of your car and your financial ability to self-insure for damages. 

What does Suze Orman say about collecting social security?

She said: "Don't settle for a reduced Social Security benefit. If you are in good health, the best financial move you can make is to not claim Social Security before you reach your full retirement age." Instead of claiming at a younger age, Orman actually recommends waiting until 70.

Do wealthy retirees use Medicare?

Medicare Costs for High-Net-Worth Individuals

Unlike Social Security benefits, Medicare premiums are means-tested, meaning higher-income retirees pay more for coverage. This makes Medicare planning for high-net-worth individuals crucial to managing healthcare costs effectively.

What are the cons 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.
 

Does Plan G pay for deductible?

Yes, Medicare Plan G covers the Part A deductible and most other costs, but you must first pay the annual Medicare Part B deductible yourself before Plan G starts paying for Part B services, with the exception of High-Deductible Plan G which has a higher upfront deductible before it covers anything. After paying that Part B deductible, Plan G covers the rest of your Medicare-approved costs, like copays, coinsurance, and Part A deductibles, leaving you with very few out-of-pocket expenses. 

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. 

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 deductible for Plan G in 2025?

For 2025, the High-Deductible Plan G (HDG) has a $2,870 annual deductible, which beneficiaries must pay for Medicare-approved services (including the Part B deductible) before the plan starts paying, offering lower premiums for higher upfront costs compared to standard Plan G. Once this deductible is met, HDG covers costs just like a standard Plan G, paying 100% of remaining Medicare Part A & B expenses, except premiums and foreign travel emergencies (which have a separate $250 deductible).
 

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.