Medicare Supplement Plan G: Coverage, Cost and Eligibility
What Medigap Plan G covers, what it leaves unpaid and how it compares with Plan N
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Medicare Supplement Plan G, also called Medigap Plan G, covers every standardized Medigap benefit except the Part B deductible, including Part B excess charges and 80% of foreign travel emergencies. After you pay the Part B deductible, $283 in 2026, Plan G generally leaves nothing to pay for Medicare-covered care in the United States. It is the most comprehensive plan available to people who became eligible for Medicare on or after January 1, 2020. Most people compare it with Plan N and High-Deductible Plan G.
Reviewed by Charles “Chuck” Lunsford, Life & Health insurance agent licensed in Florida since 1994 and in Alabama (NPN 553216).
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Plan G at a Glance
| Feature | Medicare Supplement Plan G |
|---|---|
| Part A hospital deductible | Covered at 100%. $1,736 per benefit period in 2026 |
| Part A hospital coinsurance and 365 extra hospital days | Covered at 100% |
| Skilled nursing facility coinsurance | Covered at 100%. $217 per day for days 21 to 100 in 2026 |
| Part B coinsurance or copayment | Covered at 100% once the Part B deductible is met |
| Part B excess charges | Covered at 100% |
| First three pints of blood | Covered at 100% |
| Part A hospice coinsurance or copayment | Covered at 100% |
| Foreign travel emergency care | 80%, up to plan limits |
| Part B deductible | Not covered. $283 per year in 2026 |
| Plan copays for office or emergency room visits | None |
| Restriction based on when you became eligible for Medicare | None |
Dollar amounts on this page are the 2026 Medicare figures published by CMS. They change each year.
In any year, the most a Plan G policyholder pays toward Medicare-covered care in the United States is the Part B deductible. Hospital stays, skilled nursing care, doctor visits and excess charges add nothing beyond it.
Like every Medigap policy, Plan G works alongside Original Medicare and is sold by private insurance companies. Benefits are standardized, so Plan G from one carrier covers the same things as Plan G from another.
What Does Medicare Supplement Plan G Cover?
Plan G covers eight of the nine standardized Medigap benefits: seven at 100% and foreign travel emergencies at 80%.
| Benefit | What Original Medicare leaves you owing | What Plan G pays |
|---|---|---|
| Part A hospital deductible | $1,736 for each benefit period in 2026 | The full deductible, every benefit period |
| Part A hospital coinsurance | A daily charge for hospital days 61 to 90 ($434 in 2026) and for lifetime reserve days ($868 in 2026) | The full daily coinsurance, plus Medicare-eligible hospital costs for up to 365 additional days over your lifetime once Medicare hospital benefits are used up |
| Skilled nursing facility coinsurance | $217 per day for days 21 to 100 of a covered stay in 2026 | The full daily coinsurance |
| Part B coinsurance or copayment | Generally 20% of the Medicare-approved amount for doctor visits, outpatient care and durable medical equipment | The full coinsurance or copayment after you meet the Part B deductible |
| Part B excess charges | Up to 15% above the Medicare-approved amount when a provider does not accept assignment | The full excess charge |
| Blood | The first three pints in a calendar year | All three pints |
| Part A hospice care | Copayments for outpatient drugs and coinsurance for inpatient respite care | The full hospice coinsurance or copayment |
| Foreign travel emergency care | Original Medicare generally pays nothing outside the United States | 80% of emergency care, up to plan limits |
Plan G and Plan F differ by one benefit, the Part B deductible. People new to Medicare since 2020 cannot buy Plan F, so Plan G gives them the same coverage except for that deductible.
Excess charge coverage is what separates Plan G from Plan D and Plan N. With Plan G, it does not matter to your costs whether a provider accepts Medicare assignment, as long as the provider accepts Medicare patients.
What Doesn’t Plan G Cover?
Plan G does not cover the Part B deductible, and it pays only part of foreign emergency care.
The Part B Deductible
You pay the first $283 of Medicare-approved Part B costs each year in 2026. Once you have paid it, Plan G pays your Part B coinsurance for the rest of the calendar year. No Medigap plan sold to people who became eligible for Medicare on or after January 1, 2020 covers this deductible.
Foreign Travel Emergencies
Plan G pays 80% of emergency care during foreign travel, up to plan limits. You pay the remaining 20% and any amount above those limits.
Like all Medigap plans, Plan G pays only toward Medicare-covered services. It does not cover prescription drugs, dental care, vision care, hearing aids or long-term custodial care. Drug coverage comes from a separate Medicare Part D plan.
What Could You Pay With Plan G?
With Plan G you pay the monthly premium and the annual Part B deductible. Beyond that, you pay only your share of foreign emergency care and anything Medicare does not cover.
| Cost you keep | When it applies | 2026 amount |
|---|---|---|
| Part B deductible | Once per calendar year | $283 |
| Emergency care outside the United States | Travel abroad | 20% of covered emergency care, plus any amount above plan limits |
| Services Medicare does not cover | Drugs, dental, vision, hearing aids, custodial care | Paid separately or by other coverage |
This makes Plan G one of the most predictable Medigap plans to budget for: the premium plus one known deductible covers Medicare-covered care in the United States.
Free 2026 Medicare Guides
Want to read up before we talk? Download the official Medicare & You 2026 handbook and the government’s Choosing a Medigap Policy guide. Both are free PDFs, with no sign-up needed.
What Does Plan G Cost?
There is no single price for Plan G. Plan G benefits are identical from carrier to carrier, but each insurance company sets its own premium.
Premiums can vary by:
- The insurance company
- Your age when you buy the policy
- Your ZIP code
- Tobacco use
- Gender, with some carriers
- Household or other discounts a carrier offers
- Your enrollment situation: open enrollment, a guaranteed-issue right or medical underwriting
Three comparisons help put a Plan G premium in context.
Plan G vs. Plan N. Plan N drops excess charge coverage and adds copays of up to $20 for some office visits and up to $50 for emergency room visits that do not lead to an admission. If Plan N costs less, compare the yearly savings with the copays you expect and with how often your providers might not accept assignment.
Plan G vs. High-Deductible Plan G. The high-deductible version covers the same benefits after you pay up to $2,950 in Medicare-covered costs in 2026. It is designed to carry a lower premium, so compare the premium savings with that deductible.
Plan G vs. Plan F, if you were eligible before 2020. Plan F adds only the Part B deductible. If Plan F’s yearly premium is more than $283 above Plan G’s from the same carrier, Plan F costs more than the deductible it covers.
A Plan G price only means something for a specific ZIP code, age and sex. The premium estimator near the top of this page shows the median and the full range of Plan G rates on file with the State of Florida for yours, and a quote gives you the exact price with any discounts.
Who Might Consider Plan G?
Plan G may be worth considering if you want your Medicare cost sharing limited to one known deductible each year and you prefer a higher premium to copays or a large plan deductible.
It may appeal to someone who:
- Became eligible for Medicare in 2020 or later and wants the fullest coverage available to them
- Wants hospital stays, skilled nursing care and doctor visits covered after the Part B deductible
- Sees, or expects to see, specialists who do not accept Medicare assignment
- Prefers not to pay the office and emergency room copays that Plan N charges
- Travels abroad and wants emergency coverage while away
Plan N may be worth comparing if you see doctors rarely and its premium is meaningfully lower. High-Deductible Plan G may be worth comparing if you could absorb its deductible in a year with significant care.
Timing matters too. Moving to Plan G from another plan later is not guaranteed. Outside open enrollment or a guaranteed-issue situation, a carrier can review your health history before approving it.
How Plan G Compares With Plan N, High-Deductible Plan G and Plan F
Each of these plans differs from Plan G on one or two features.
| Feature | Plan G | Plan N | High-Deductible Plan G | Plan F |
|---|---|---|---|---|
| Who can buy it | Anyone eligible for Medigap | Anyone eligible for Medigap | Anyone eligible for Medigap | Eligible before 2020 |
| Plan deductible before benefits start | None | None | $2,950 in 2026 | None |
| Part B deductible paid by the plan | No | No | No | Yes |
| Part B excess charges | Yes | No | Yes, after the plan deductible | Yes |
| Office and emergency room copays | None | Up to $20 per office visit and up to $50 per ER visit without admission | None after the plan deductible | None |
| Hospital, skilled nursing, Part B coinsurance, blood, hospice | Yes | Yes | Yes, after the plan deductible | Yes |
| Foreign travel emergency care | 80% | 80% | 80% | 80% |
Plan G vs. Plan N. Plan N trades excess charge coverage and copay-free visits for what is often a lower premium. See Medicare Supplement Plan N.
Plan G vs. High-Deductible Plan G. Same benefits, but the high-deductible version pays nothing until you reach its yearly deductible. See High-Deductible Plan G.
Plan G vs. Plan F. The only difference is the Part B deductible, and Plan F is limited to people eligible before 2020. See Medicare Supplement Plan F.
Plan G is also Medicare Supplement Plan D plus excess charge coverage. To see every lettered plan side by side, compare all Medicare Supplement plans.
Enrollment, Availability and Underwriting
Plan G has no eligibility-date restriction. Whether a carrier can ask health questions depends on when and why you apply.
Medicare Supplement Open Enrollment. This six-month period begins the first month you are 65 or older and enrolled in Medicare Part B. During it, a carrier that sells Plan G cannot use your health history to decline your application or charge you more.
Under age 65. Rules for people under 65 vary by state. Some states require carriers to offer Medicare Supplement coverage to people who qualify for Medicare through disability or end-stage renal disease, often with an open enrollment period. Ask what applies where you live.
Guaranteed-issue situations. Certain events, such as losing employer group coverage or a Medicare Advantage plan leaving your area, can create a right to buy specific Medigap plans without underwriting for a limited time. Plan G is one of those plans. For people new to Medicare since 2020, Plan G takes the place of Plan F in that list. The application window generally closes 63 days after the earlier coverage ends.
Applications outside those periods. A carrier may use medical underwriting. It can accept the application, decline it or offer a different premium based on your health history.
Medicare Supplement Plan G FAQs
Does Plan G cover the Part B deductible?
No. You pay the Part B deductible, which is $283 in 2026, before Plan G pays Part B coinsurance. Only Plans C and F cover it, and they are limited to people eligible for Medicare before January 1, 2020.
What is the most I would pay with Plan G?
For Medicare-covered care in the United States, the Part B deductible plus your premium. You would also pay 20% of covered emergency care abroad, any amount above plan limits and the cost of services Medicare does not cover.
What is the difference between Plan G and Plan F?
Plan F pays the Part B deductible and Plan G does not. Their other benefits are identical. Plan F is limited to people eligible for Medicare before January 1, 2020.
What is the difference between Plan G and Plan N?
Plan N does not cover Part B excess charges and charges copays of up to $20 for some office visits and up to $50 for emergency room visits that do not lead to an admission. Plan G covers excess charges and has no copays.
Can I buy Plan G if I became eligible for Medicare after January 1, 2020?
Yes. Plan G has no eligibility-date restriction, and it is one of the plans people new to Medicare since 2020 have the right to buy in guaranteed-issue situations.
Does Plan G cover Part B excess charges?
Yes. If a provider who does not accept Medicare assignment bills up to 15% above the Medicare-approved amount, Plan G pays the difference.
What is High-Deductible Plan G?
It covers the same benefits as Plan G after you pay a yearly deductible of $2,950 in Medicare-covered costs in 2026. Unlike High-Deductible Plan F, it is open to anyone eligible for Medigap.
Does Plan G cover prescription drugs?
No. Medigap plans do not cover prescription drugs. Drug coverage comes from a separate Medicare Part D plan.
Can I switch to Plan G from another Medigap plan?
You can apply at any time, but approval is not automatic. Outside your open enrollment period or a guaranteed-issue situation, the carrier may review your health history and can decline the application. Keep your current policy until Plan G is approved.
Compare Plan G for Your ZIP Code
A Plan G decision usually comes down to how its premium compares with Plan N and High-Deductible Plan G from the carriers that sell them in your ZIP code. We can run that comparison for your age and location.
Prefer to keep reading first? Compare all Medicare Supplement plans.
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Content Review
Content reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216