What is the deductible amount for plan G?

For High Deductible Plan G, the annual deductible for 2026 is $2,950, which you pay for Medicare-covered costs before the plan starts paying; this includes the Part B deductible, but not premiums, and you must have become eligible for Medicare in 2020 or later to enroll in this specific high-deductible version. Standard Medigap Plan G has no separate deductible, only requiring you to meet Medicare's Part B deductible first, after which it covers costs like coinsurance, unlike the high-deductible version.

Does Plan G have a deductible?

Yes, standard Medicare Plan G doesn't have its own deductible; instead, you first pay the annual Medicare Part B deductible (around $283 in 2026), and then Plan G covers all other Medicare-approved costs like Part B coinsurance and Part A deductibles. There's also a High-Deductible Plan G, which requires you to pay a much larger calendar-year deductible (e.g., $2,950 in 2026) before it pays anything, making premiums lower but out-of-pocket costs higher initially.
 

What is the deductible for Medicare Plan G in 2026?

For 2026, the High Deductible Plan G (HDG) has a deductible of $2,950, which is the amount you pay for Medicare-approved costs (like coinsurance, copays, and deductibles) before the plan starts paying; after this deductible is met, it covers nearly everything else, similar to a standard Plan G but with lower monthly premiums. Standard Plan G has a lower, separate annual Part B deductible of about $283 in 2026, with no high-deductible requirement. 

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 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.
 

High Deductible Medicare Plan G

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 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 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. 

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 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.
 

Is Medicare changing in 2025 for seniors?

In 2025, the biggest Medicare changes for seniors focus on Prescription Drug coverage (Part D) with a new $2,000 annual out-of-pocket cap, eliminating the "donut hole," allowing monthly payments for drug costs, and introducing price negotiations, while Medicare Advantage plans face potential benefit adjustments, and Part B premiums and deductibles will increase. Expect some MA plans to reduce extra perks to offset new drug costs, plus updates to telehealth and integrated care options. 

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 deductible for the high deductible plan G in 2026?

Effective January 1, 2026, the annual deductible amount for these three plans is $2,950. The deductible amount for the high deductible version of plans G, F and J represents the annual out-of-pocket expenses (excluding premiums) that a beneficiary must pay before these policies begin paying benefits.

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 exactly does Plan G cover?

Medicare Plan G is a popular Medigap policy that covers most out-of-pocket costs left by Original Medicare (Parts A & B), including hospital stays, Part B copays/coinsurance, skilled nursing care, hospice, and foreign travel emergencies, with the only exception being the annual Medicare Part B deductible, which you pay first. Once you meet that deductible, Plan G pays 100% of covered Medicare costs, offering comprehensive coverage for a monthly premium.
 

Is Plan G worth the cost?

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. 

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 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 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 there an out-of-pocket maximum for Plan G?

No, standard Medicare Plan G doesn't have a separate out-of-pocket maximum because it covers nearly all costs after you pay the Medicare Part B deductible (e.g., $257 in 2025), making it almost like having an unlimited maximum for covered services, though there's a High-Deductible Plan G option with a set deductible ($2,870 in 2025) before it pays 100%. Your only yearly cost with standard Plan G is that one Part B deductible, providing excellent protection. 

Who offers the best plan G?

UnitedHealthcare is the best Plan G Medicare Supplement (Medigap) provider of 2026, 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. 1, 2020.

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.

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).

Does Plan G cover outside the US?

Medicare Supplement Plan G offers Foreign Travel Emergency Coverage, paying 80% of eligible emergency medical costs outside the U.S. after a $250 deductible, with a $50,000 lifetime maximum, for emergencies starting within the first 60 days of your trip; it fills gaps in Original Medicare, which offers almost no overseas coverage, but doesn't cover routine care or trips over 60 days, making separate travel insurance recommended for longer journeys, notes Medicare.org.