What is the monthly premium for plan G?

Medigap Plan G monthly costs vary significantly, typically ranging from around $100 to over $500, depending on your age, location, tobacco use, and insurer, with averages often falling between $150-$200+ for new enrollees, while High-Deductible Plan G has lower premiums. For example, some providers show premiums starting around $131-$150, while others list ranges up to $578 or more for standard Plan G.

How much does Medicare Part G cost per month?

Medicare Supplement Plan G costs vary significantly, typically ranging from $96 to over $500 per month, depending heavily on your age, location (zip code), gender, tobacco use, and the insurance carrier, with younger individuals and non-smokers often paying less, and a high-deductible version available for lower premiums. Expect costs around $120 - $220 monthly on average for standard Plan G, but always compare quotes from different companies as prices for the same coverage differ. 

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 the best plan G for Medicare?

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. 

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

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.

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 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. 

What is the best drug plan for seniors on Medicare?

There's no single "best" Medicare drug plan (Part D) for all seniors; it depends on your specific medications, budget, and preferences, but top-rated providers often include UnitedHealthcare (AARP), Humana, Wellcare, and Aetna, with strengths like low premiums (Cigna), diabetes care (Humana), or value (Wellcare). The most effective method is to use the official Medicare Plan Finder (Medicare.gov) to compare local plans based on your personal drug list for 2026. 

What does Medicare Plan G not cover?

Medigap Plan G doesn't cover things Original Medicare doesn't, primarily prescription drugs (requiring a separate Part D plan), dental, vision (glasses/exams), hearing aids, long-term care, or private-duty nursing, and you're responsible for the annual Part B deductible before it starts paying. Plan G is comprehensive for Medicare-approved services, covering most gaps like copays and coinsurance, but excludes these common health & wellness items. 

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 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. 

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).

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. 

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 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.
 

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 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.
 

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 Medicare Plan G cover hospice?

Plan G pays for your hospital deductible and all copayments and coinsurance under Medicare. For example, this would include the hospice care coinsurance and skilled nursing facility coinsurance.

What is the average cost of a Medicare Part G plan?

The average monthly cost for Medicare Supplement Plan G varies significantly, generally ranging from about $120 to $220, but can be lower or higher depending heavily on your age, location (zip code), gender, and tobacco use, with younger individuals and non-smokers paying less, and specific carriers offering different rates for the same coverage. Expect premiums to rise with age, and note that Plan G covers nearly everything Original Medicare doesn't, except the annual Part B deductible (which is $283 in 2026).
 

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. 

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.