How much is the G plan for Medicare?

Medicare Plan G costs vary significantly by location, age, and insurer, but generally range from roughly $100 to over $500 per month, with averages often falling between $120-$200 for a 65-year-old non-smoker, plus the annual Medicare Part B deductible (around $280-$300 for 2025/2026) before coverage kicks in. High-Deductible Plan G offers lower premiums (starting around $30-$70) but requires you to pay a higher deductible (around $2,900 for 2026) before benefits start.

How much does Plan G cost a month?

Medicare Plan G costs vary significantly, averaging around $150-$200 monthly but ranging from roughly $90 to over $500, influenced by your age, location (zip code), gender, tobacco use, and the specific insurer, with high-deductible options offering lower premiums. You must compare quotes from different companies in your area to find the best rate, as prices aren't standardized across carriers, say Medicare.gov, Humana, and MedicareSupplement.com. 

Is Medicare Part G worth it?

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. 

Are all Medicare plans G the same price?

There can be big differences in the premiums that different insurance companies charge for the same coverage, so be sure you compare Medigap plans with the same letter (for example, compare Plan G from one company with Plan G from another company).

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.
 

Don't Buy Medigap Plan G Before Watching This !

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%.
 

Who pays for most of the long-term nursing home care?

Medicare will only pay for short-term skilled nursing facility care (medical care), while Medicaid will pay for long-term custodial care (non-medical care). Medicare provides health coverage for approximately 69 million Americans. Medicare, however, will only pay for short-term skilled nursing care.

Who has the best Medicare part G plan?

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. 

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 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 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 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 5 things Medicare doesn't cover?

Medicare generally doesn't cover long-term care, most dental care, routine vision services (like glasses), hearing aids/fittings, and cosmetic surgery, though it does provide strong coverage for hospital and doctor services; you can often get coverage for these gaps through Medicare Advantage (Part C) or supplemental plans. 

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).

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 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. 

How to lower Medicare premiums?

To lower Medicare premiums, report income drops from life events like retirement (Form SSA-44), apply for low-income help like Extra Help or Medicaid, use HSA funds for premiums, deduct premiums from taxes, switch to a cheaper Medicare Advantage or Supplement plan, or check if you qualify for Medicare Savings Programs (MSPs) through your state. 

What states have the worst Medicare Advantage plans?

States often cited for weaker Medicare Advantage performance include Louisiana, Mississippi, Kentucky, West Virginia, and Florida, due to challenges with care access, provider shortages, and quality issues like higher rates of avoidable hospitalizations and inappropriate medication prescriptions, though specific rankings vary by report and focus (e.g., satisfaction vs. overall system). Other states like New York, California, Texas, and Michigan appear on lists for low member satisfaction with specific plans, not necessarily the whole state's system. 

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.

Why do people say not to get a Medicare Advantage plan?

People warn against Medicare Advantage (MA) plans due to limited doctor/hospital networks, complex pre-authorization for care, higher potential out-of-pocket costs for serious illnesses, annual plan changes (benefits/networks), denials of care, and difficulty switching back to Original Medicare with a Medigap plan later, especially if you become sick. While MA offers extra perks (dental, vision, low premiums), these restrictions can be burdensome, prioritizing insurer profits over patient freedom, making it risky for those with ongoing health issues. 

What does Suze Orman say about long-term care insurance?

Buy only what is affordable.

It is far smarter to buy the amount of coverage for which you are sure you can keep making the premium payments. It makes no sense to buy a policy today that you will have to abandon in a few years because it is too expensive; you will get no benefit if that happens.

What happens when people in nursing homes run out of money?

Aging adults without money to support them through the rest of their lives can stay in a nursing home for up to 100 days—and Medicaid will cover the cost for this brief period. Seniors who reside in an assisted living facility and run out of funds will be evicted.

What is the maximum amount you have to pay for care home fees?

The life-time cap on care meant no one would have to pay more than £86,000 in England for their personal care. The care cap was announced in 2021 to help manage care home costs. This policy was going to be introduced in October 2023 but the Conservative government pushed it back to October 2025.