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Medigap - Plan G
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Important Points
Medigap Plan G covers all gaps in Medicare except the Part B deductible.
Plan G is quickly becoming one of the most popular Medigap plans.
The best time to enroll in Plan G is during your Medigap Open Enrollment window.
Mohring Insurance Services LLC | Talk to a Medicare Expert at (866) 440-1885
Overview
One of the most popular Medigap plans in recent years has been Medigap Plan G.
Plan G is very similar to Plan F and has been it's alternative since Plan F is no longer available for people new to Medicare on or after January 1, 2020. Medigap Plan G offers exceptional value to people who are willing to pay a small annual deductible. After the deductible is paid, Plan G provides complete coverage for all Medicare gaps, paying for your Part A hospital deductible, copays, and coinsurance.
Additionally, it covers the 20% that Medicare Part B does not cover. Doctors and healthcare providers MUST accept Medigap Plan G if they accept Original Medicare. Medicare beneficiaries can use their Medigap Plan G all across the United States since Medigap plans do not have network limitations. The monthly premium costs can be quite reasonable for the coverage you get.
On the table below, you can see that Plan G covers almost everything Plan F covers, except for the Part B deductible.
Medigap Benefits - Plan G
Medicare Part A Coinsurance & Hospital Costs
(Up to an additional 365 days after Medicare benefits are used)
Medicare Part B Coinsurance or Copayment
Blood (First 3 Pints)
Part A Hospice Care Coinsurance or Copayment
Skilled Nursing Facility Coinsurance
Medicare Part A Deductible
Medicare Part B Deductible
Medicare Part B Excess Charges
Foreign Travel Emergency (up to plan limits)
Medigap Plan G - Coverage
What Does Plan G Cover?
Medigap (Medicare Supplement) Plan G covers your percentage of any medical benefit that Original Medicare covers, except for the Part B deductible. It helps to pay for inpatient hospital costs, blood, skilled nursing facility care, and hospice care.
It also covers your outpatient services like doctor visits, diabetes supplies, lab work, surgeries, cancer treatment, and more. All Medigap Plan G products must provide you with the same coverage regardless of the insurance company that offers it.
Your Original Medicare pays first, and then your Medigap Plan G pays the remaining amount after you pay the once-annual Part B deductible. Additionally, Medigap Plan G offers up to $50,000 in foreign travel emergency benefits (up to plan limits).
Plan G - One Small Deductible = Big Savings
Medigap Plan G covers each of the gaps in Original Medicare except for the annual Part B deductible. This deductible is only $240 in 2025. In fact, if you currently have a Plan F that has been in place for years, our agents might be able to help you with premium costs by looking into a Medigap Plan G policy. Many times a Plan G will cost less than Plan F even after you factor in paying the small deductible.
When we help you review plans at Mohring Insurance Services LLC, we quite often find a Plan G that saves quite a bit in premiums over Plan F - usually much more than the $240 deductible you'll have to pay out.
Medigap Plan G - Comprehensive Coverage
Medigap Plan G has excellent coverage. In the case of hospital stays, it covers all of your hospital expenses, including the hospital deductible, which is $1,632 in 2025. Additionally, it covers the daily copays you may encounter for a hospital stay that is over 60 days. Plan G provides an additional 365 days in the hospital after your Medicare benefits run out and covers your skilled nursing facility co-insurance.
Plan G covers all but the annual $240 deductible in expenses for outpatient care. You will have to pay the Part B deductible for services where this deductible applies. After that, your Plan G will cover all remaining charges for Medicare-approved services. Medicare pays 80% of your outpatient costs and your Plan G will pay the other 20%. Once Medicare covers a service, your Plan G policy must pay the remaining balance.
FAQs
Plan F or Plan G: Which is better?
In most states, Plan G is a better value. However, Plan F technically covers more than Plan G since it picks up the annual Part B deductible. Medigap Plan F covers all cost-sharing and deductibles after Original Medicare pays. However, Plan F & Plan C are no longer available to anyone new to Medicare after January 1, 2020.
Does Medigap Plan G cover prescriptions?
Medigap Plan G does cover the coinsurance on any Part B medications. Part B medications are usually drugs that are administered in a clinical setting, like chemotherapy or injections. Medigap Plan G does not cover retail prescriptions that you would get at a pharmacy. For that you would need a Part D prescription drug plan.
Does Plan G cover dental?
No. Since Medicare doesn't cover dental care, a Medigap policy will not cover it either. However, medically necessary (typically emergency) dental services may be covers by Medicare and therefore, covered by your Plan G. Mohring Insurance Services LLC does offer some reasonably priced dental plans. Give us a call if you would like a quote.
What does Plan G pay for?
Plan G pays for your hospital deductible and all copays or coinsurance under Medicare. It will pay the remainder of anything that Original Medicare covers, including hospice care and skilled nursing facilities.
What's the difference between Plan N and Plan G?
The biggest difference is your out-of-pocket costs. On Plan N you would be responsible for the Part B deductible, a $20 copay for doctor visits, a $50 copay for ER visits, as well as excess charges. With Medigap Plan G, you will only be responsible for the annual Part B deductible.
What's the Plan G deductible in 2025?
$240 - the annual Part B deductible in 2025 is what you will pay for your Plan G deductible.
What is the average cost of Plan G?
Plans can start out ranging from $100 to $200 monthly. Your monthly premium will depend on your location and zip code, your tobacco use, your gender, and more. The best thing to do is to compare the options in your area with a Medicare broker.
Why To Consider Medigap Plan G
The first reason to consider Plan G is lower premiums, but there is another reason why this plan has become very popular among Medicare beneficiaries. Plan G tends to save more money in the long term as it usually has a lower rate increase trend from year to year compared to Plan F.
In recent times, we have seen Plan G sometimes increase by 3% or less with some companies. This is substantially lower than the rate increases each year on Plan F.
Enrolling in Medigap Plan G
There are a few ways you can apply for a Medigap Plan G policy. Most individuals will use their Medigap Open Enrollment window to apply for a policy. When you take advantage of this enrollment period, you do not have to answer health questions on your application. This means that the company cannot deny you coverage. This period is a six-month window from your Part B effective date. For those people who qualify for Medicare before they turn 65 (due to disability), they will have an additional Open Enrollment window when they turn 65.
If you apply outside of your Open Enrollment window, you may need to answer health questions, and your policy approval is not guaranteed. You could be denied based on certain health conditions. Additionally, the price could change if the insurance company decides to approve you but rate you up for your risk level.
Some states have exceptions to this rule, like California and Maine. The state law for both of these states allows enrollees to change their policy with no health questions from year to year. Keep in mind, rules can vary with each state and the Medigap insurance company. Residents of these states can take advantage of this exception when the cost of their premiums increase each year.
Finally, Medigap enrollment periods are different from Medicare Advantage plans. You only apply for an Advantage plan during specific times of the year.
Parts vs. Plans
Since Medicare terminology uses the words Parts and Plans, many people get confused. We often get asked about what "Part G" covers?
Agents will usually know what you mean if you ask about "Part G", but Plan G is the correct terminology.
The best way to understand and keep your thoughts organized is to know that only the Medicare program itself has "Parts." The Medicare program has Part A, B, C, and D. There is no such thing as Medicare Part G. On the other hand, Medigap policies (private insurance policies that are not run by the Medicare program) are referred to as "Plans." So when you hear the word part, think Medicare. When you hear the word plan, think supplemental insurance.
Learn More About Medigap Plan G
If you want to learn more about Medigap Plan G, our licensed agents can help explain how this policy can keep your premiums lower over the long run and if it may meet your needs. We can check rates for many different insurance companies to see who offers the lowest rates in your particular area.
Additionally, enrolling through us costs nothing. You will also get access to our Client Service Team at no cost to you. Our team will step in to help if there are ever any issues like coding errors, claim denials, rate shopping, and more. We help our current clients evaluate the cost of premiums each year to ensure that they have a cost-effective plan that meets their needs.
Give us a call at (866) 440-1885 to get started.
Key Points
As long as Medicare pays for a service, Plan G will cover the remaining costs once the Part B deductible is met.
Plan G is typically the most cost-effective Medigap plan since the only out-of-pocket is the Part B deductible.
If you don't enroll in Plan G during your Medigap Open Enrollment window, you may have to answer health questions depending on where you live.
At Mohring Insurance Services LLC, we are happy to offer assistance with Medicare when you choose to enroll. Give us a call at (866) 440-1885, or to schedule a free consultation, click the link below:
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