How much does AARP Medicare Supplement plan G cost?

AARP Medicare Supplement Plan G costs vary significantly by location, age, gender, and tobacco use, but generally range from around $100 to over $200 monthly, with 2025 averages around $150-$180, after you pay the annual Medicare Part B deductible (which is $283 in 2026). Expect to pay your Part B deductible first, then Plan G covers most remaining costs, including Part B excess charges, with no separate deductible for the plan itself.

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 the best Medicare Supplement plan G?

There's no single "best" Medicare Supplement Plan G, as it depends on your needs, but top providers like AARP/UnitedHealthcare, Wellabe, Anthem, Mutual of Omaha, and Cigna consistently rank high for different strengths (e.g., overall value, low price, discounts, extra perks). Plan G is highly recommended as it offers comprehensive coverage for most out-of-pocket costs after Original Medicare, only requiring you to pay the Part B deductible. The best choice involves comparing prices, reputation, and additional benefits from multiple carriers in your specific state.
 

How much does the AARP Medicare Supplement Plan G cost per?

AARP Medicare Supplement Plan G costs vary significantly by location, age, and tobacco use, but generally range from about $100 to over $300 monthly, with averages around $140-$200 for younger enrollees (age 65) and higher for older individuals, covering most costs after the Medicare Part B deductible ($257 in 2024/2025). Expect to pay a monthly premium, plus the annual Medicare Part B deductible, with significant price differences between insurers and states.
 

Is aARP Medicare Supplement Plan G good?

AARP Medicare Supplement Plan G (sold by UnitedHealthcare) reviews are generally positive, highlighting competitive pricing, strong financial backing, and extra perks like gym memberships (Renew Active) and nurse lines, making it a top choice for overall value, though users note premiums can rise with age (attained-age rating) and occasional issues with specific claims (like certain glucose meters) can occur. Plan G offers comprehensive coverage, paying most costs after Medicare, but requires paying the Medicare Part B deductible first. 

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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 is the most popular AARP medicare supplement plan?

Medicare Supplement Plan G is one of the most popular Medigap plans for beneficiaries. Plan G covers all gaps in Medicare except the Part B deductible. The best time to enroll in Plan G is during your Medigap Open Enrollment window.

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. 

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. 

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. 

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. 

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.

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 is the best supplemental insurance for Medicare for seniors?

There's no single "best" Medicare Supplement (Medigap) plan, as it depends on your budget and needs, but Plan G is the most popular and comprehensive for new enrollees, covering most costs after your Part B deductible, while Plan N offers lower premiums with small copays for doctor visits and ER trips. Top providers like AARP/UnitedHealthcare, Humana, Blue Cross Blue Shield, and State Farm offer competitive rates and services, so compare costs and benefits in your area.
 

Do medicare plan G premiums increase with age?

Yes, Medicare Plan G premiums can increase with age, depending on the insurer's rating method: Attained-Age plans increase as you get older (common but pricier long-term); Issue-Age plans lock in your initial rate, not rising with age but with inflation; and Community-Rated plans charge everyone the same, regardless of age. Most Medigap premiums rise annually due to inflation and healthcare costs, but the age factor depends on your specific plan's rating. 

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 best Medigap Plan G company for 2025?

For 2025, top Medigap Plan G companies include AARP/UnitedHealthcare (overall, membership perks), Wellabe (low prices), Mutual of Omaha (value, discounts), Anthem/BCBS (low rates, local options), Cigna, Humana, and Aetna, with choices depending on discounts, customer satisfaction, extra benefits, and specific state availability, so comparing personalized quotes is crucial. 

Is AARP supplemental insurance worth it?

AARP (UnitedHealthcare) Medicare Supplement (Medigap) insurance can be worth it for its trusted brand, broad network, and valuable perks like fitness programs (Renew Active), hearing/vision discounts, and a nurse line, but it often comes with higher premiums than smaller insurers, requiring a cost-benefit analysis against your budget and need for reliability and extra services. The value depends on prioritizing stability and extras versus finding the absolute lowest monthly cost, as some plans offer identical coverage for less. 

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 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%.
 

Does Plan G cover an emergency room?

Emergency Room Visit Benefits

If you visit the emergency room for an unexpected health issue, Plan G helps reduce your financial burden. You are responsible for the Medicare Part B deductible, but after that, Plan G pays 100% of the Medicare-approved amount for emergency services.

Can I be denied Medicare Plan G?

If you have or had health problems, you may not be able to buy the Medigap plan of your choice unless you are in open enrollment or a guarantee-issue period. It is important to understand these times because they allow you to get a Medigap plan when a company might otherwise refuse to sell you one (due to your health).