Is Medicare Plan G good?

Medicare Supplement Plan G, also known as Medigap Plan G, is often considered a highly beneficial plan for individuals new to Medicare since January 1, 2020, offering extensive coverage and predictable costs.

Why is Plan G better than Plan N?

After you meet your annual Medicare Part B deductible (just $240 in 2025), Plan G covers nearly all other out-of-pocket costs. Medicare Advantage plans may lure you with low premiums, but they often come with higher out-of-pocket maximums, copays, and coinsurance—especially for hospital stays or specialist visits.

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.
 

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 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. 

Medicare Plan G vs Plan N (New Info!)

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. 

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 supplement is better, Plan G or Plan N?

Neither Plan G nor Plan N is universally "better"; the best choice depends on your health and budget, with Plan G offering comprehensive coverage (fewer out-of-pocket costs) for higher premiums, while Plan N has lower premiums but requires copays for doctor/ER visits and doesn't cover Part B excess charges, making it cheaper for healthier individuals who want cost predictability but don't mind small costs. 

Do all doctors accept Plan G?

Doctors and other healthcare providers must accept a Medigap Plan G if they accept Original Medicare. Medicare beneficiaries can use their Plan G policy across the U.S. since Medigap plans do not have network limitations. The premium costs can be reasonable for the coverage you receive.

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 most popular Medicare plan?

The most popular Medicare plan is Medigap Plan G, especially for new enrollees, because it offers comprehensive coverage similar to the discontinued Plan F, covering nearly all Original Medicare out-of-pocket costs except the Part B deductible, making it a favorite for predictable expenses. While Plan F still has many current enrollees, Plan G is the top choice for those starting Medicare, followed by Plan N for cost savings with copays. 

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.

How good is Plan G?

Plan G is the most generous and costly Medigap plan. Depending on how much you access healthcare, the high-deductible version of Plan G may be a better deal, but it requires you to pay $2,870 out of pocket in 2025 before Medigap coverage begins. However, almost all of your care and cost-sharing is then covered at 100%.

Can I switch from Plan G to N?

Yes, you can switch from Medicare Plan G to Plan N, but it's not guaranteed and usually requires medical underwriting outside your initial enrollment, meaning you might be denied or charged more, unless you're in a state with special guaranteed issue rights like California, Connecticut, or New York. Plan N has lower premiums but requires copays for doctor/ER visits and doesn't cover Part B excess charges, unlike Plan G, making the switch a trade-off between cost and comprehensive coverage. 

Does Plan G cover cataract surgery?

Yes, Medicare Plan G covers cataract surgery by paying the Part B coinsurance (usually 20%) for medically necessary procedures after you meet the small annual Part B deductible, essentially covering surgeon fees, facility costs, anesthesia, and standard lens implants, leaving you with minimal out-of-pocket costs. Plan G supplements Original Medicare (Part A & B), so it works with those benefits to cover most costs associated with the surgery. 

What are the disadvantages of Medicare 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.
 

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. 

Which is the best medicare supplement plan G?

UnitedHealthcare is the best Plan G Medicare Supplement (Medigap) provider of 2025, according to Investopedia research. Anthem and State Farm are two more excellent options. Plan G is the most popular Medigap plan, and it's the most comprehensive for people who turned 65 on or after Jan.

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. 

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 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 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. 

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.