What plan G does not cover?

Medicare Plan G covers most costs Original Medicare doesn't pay but notably does not cover prescription drugs, routine dental/vision/hearing care, long-term care, or private-duty nursing; it also requires beneficiaries (new ones, at least) to first pay the Medicare Part B deductible before it pays anything, unlike older 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).

What are the disadvantages of Medicare Part 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 are the 5 treatments not covered by Medicare?

Some of the items and services Medicare doesn't cover include:

• Eye exams (for prescription eyeglasses)
• Long-term care.
• Cosmetic surgery.
• Massage therapy.
• Routine physical exams.
• Hearing aids and exams for fitting them.

What does Medicare not cover for seniors?

Original Medicare (Parts A & B) generally doesn't cover routine dental, vision (like eyeglasses/contacts), hearing aids, most long-term care, cosmetic surgery, or most prescription drugs, and it excludes personal/custodial care (bathing, dressing) if it's the only care needed, but Medicare Advantage Plans (Part C) or Part D plans often fill these gaps with extra benefits like dental, vision, and drug coverage, though you pay premiums. 

Don't Buy Medigap Plan G Before Watching This !

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 does Medicare G not cover?

Plan G does not cover the Part B deductible or any service that Medicare does not cover. For example, Medicare does not cover routine dental, vision, or hearing; therefore, Plan G won't cover those services. Medicare pays first, and then Plan G pays the remaining amount after you pay the once-annual deductible.

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. 

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. 

Does Plan G have an out-of-pocket maximum?

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 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.

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 Plan G pay for a gym membership?

No, Original Medicare (Parts A & B) doesn't cover gym memberships, and while Medicare Plan G (a Medigap) is comprehensive, gym access isn't a standard benefit; however, many insurance carriers add free or discounted memberships through wellness programs like SilverSneakers or Renew Active to their Plan G policies, so you must check your specific policy for these optional extras. 

Which is better, Plan D or Plan G?

The only difference between Plan D and Plan G is that Part B excess charge coverage. So if you're deciding between the two, your decision will likely depend on how important that excess charge coverage is to you.

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. 

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.
 

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 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.

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 5 treatments are not covered by Medicare?

Medicare generally doesn't cover long-term care, cosmetic surgery, routine dental care, routine vision care (eye exams for glasses, glasses), and hearing aids/exams, plus services like most massage therapy, acupuncture (except for chronic low back pain), and prescription drugs (unless with Part D). These common exclusions leave beneficiaries needing supplemental plans (like Medicare Advantage or Medigap) for broader 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 is the 3 month rule for Medicare?

Generally, you're first eligible to sign up for Part A and Part B starting 3 months before you turn 65 and ending 3 months after the month you turn 65. (You may be eligible for Medicare earlier, if you get disability benefits from Social Security or the Railroad Retirement Board.)

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. 

Why are doctors dropping Medicare patients?

Physician Medicare reimbursement dropped 33% since 2000, when adjusted for inflation, according to the AMA. As a result, Ferguson said, many practices—particularly small, independent ones—can no longer afford to absorb the losses. "It's gotten to a point where you can't absorb it.