What is a Medicare G+ plan?

A Medicare Plan G (Medigap Plan G) is a popular private insurance policy that works with Original Medicare (Parts A & B) to cover out-of-pocket costs like deductibles, copayments, and coinsurance, offering comprehensive benefits that cover nearly all gaps in Original Medicare, except for the Part B deductible, after which it pays 100% of covered services, including foreign travel emergencies.

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 does Plan G cover in Medicare?

Medicare Supplement Plan G (Medigap Plan G) covers nearly all out-of-pocket costs from Original Medicare (Parts A & B), including Part A deductibles, coinsurance for hospital/skilled nursing, hospice costs, the first three pints of blood, and Part B excess charges, with your only annual out-of-pocket cost being the Part B deductible before everything else is covered for the year. It provides broad protection for doctor visits, outpatient care, and even foreign travel emergencies, but doesn't cover things Original Medicare doesn't, like routine dental, vision, or hearing.
 

How much does Medicare Plan G cost per month?

Medicare Plan G costs vary significantly, generally ranging from $100 to over $200 monthly, but can go higher, depending heavily on your age, location (zip code), gender, and tobacco use, with averages around $140-$180 for a 65-year-old, though some start as low as $96 or as high as $578 for standard plans, so comparing quotes is essential. 

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.
 

Top Medicare Supplement Plans Ranked by Popularity (What Most Seniors Choose)

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?

Medicare Plan G doesn't have a traditional out-of-pocket maximum because it covers nearly everything after you pay the annual Medicare Part B deductible (which was $257 in 2025), leaving you with only that deductible as your main yearly cost before it pays 100% for approved services; there's also a separate High-Deductible Plan G option with its own much higher deductible, around $2,870 in 2025, notes MedigapSeminars and United Healthcare. 

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 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.

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).

Does Plan G cover hospitals?

Medicare Supplement Plan G offers basic Medicare benefits including: Hospitalization: pays Medicare Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.

Do I really need supplemental insurance with Medicare?

Supplemental insurance is advisable for those with Medicare to help cover out-of-pocket costs and gaps in coverage, offering financial protection for deductibles, coinsurance, and other medical expenses not fully covered by Medicare.

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. 

Is it better to have plain Medicare or Medicare Advantage?

Neither Original Medicare nor Medicare Advantage (MA) is universally "better"; the best choice depends on your healthcare needs, budget, and preference for provider choice, with Original Medicare offering nationwide provider freedom but requiring separate drug/supplement plans, while MA provides all-in-one coverage with networks and extra benefits like dental/vision but often requires referrals and has regional limits. 

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.
 

What are the 5 things Medicare does not cover?

Original Medicare (Parts A & B) doesn't cover most dental, vision (like glasses/contacts), hearing aids, routine foot care, and long-term custodial care, plus many alternative therapies, cosmetic surgeries, and prescription drugs (without Part D). You'll need supplemental plans (like Medigap or Part C) or separate insurance for these common needs. 

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.

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.
 

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 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).

How to lower your out-of-pocket costs?

7 Ways to Help Pay Less for Out-of-Pocket Costs

1. Stay in-network. ...
2. Get preventive care. ...
3. Consider a convenience care clinic. ...
4. Consider using an urgent care center. ...
5. Talk to a nurse for free. ...
6. Virtual care (telehealth) doctor visits can be a cost-effective option. ...
7. Know costs before you go.

What is the deductible for Medicare Plan G in 2026?

If you opt for the high-deductible Plan G, you must pay for Medicare-covered expenses—copayments, coinsurance, and deductibles—up to the deductible amount of $2,950 in 2026 before your plan pays for anything.