What Is Medigap Plan G? What You Need to Know

Medigap Plan G is the most comprehensive plan new Medicare members can buy.
Reviewed by Debra Nuckols

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Medigap Plan G is one of 10 Medicare Supplement Insurance plans. Medigap plans cover certain expenses such as coinsurance, copayments and deductibles that aren't covered under Medicare Part A and Part B, also known as Original Medicare.

Plan G is the most comprehensive Medigap plan that can be sold to new Medicare members.

How it works

After Medicare pays its approved portion of medical costs, Medigap Plan G helps pay for remaining out-of-pocket expenses. You must pay a separate monthly premium for Medigap coverage.

Medigap insurance is available only to Medicare beneficiaries enrolled in Part A and Part B; it can’t be sold to Medicare Advantage members.

Medigap plans are standardized in every state except Massachusetts, Minnesota and Wisconsin, which have their own plan standards. The plans differ in terms of what they cover, out-of-pocket limits and premiums.

What Medigap Plan G covers

Here’s what Medigap Plan G covers, according to Medicare.gov:

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up.

  • Part A deductible.

  • Part A hospice care coinsurance or copayment.

  • Part B coinsurance or copayment.

  • Part B excess charges (if a provider is permitted to charge more than Medicare’s approved amount and does so).

  • Blood transfusion (first three pints).

  • Skilled nursing facility care coinsurance.

  • Medically necessary emergency health care service for the first 60 days when traveling outside the U.S. Deductible and limitations apply.

What Medigap Plan G doesn’t cover

Medigap Plan G offers the most coverage of any plan that new Medicare members can buy. However, there are benefits that even the most comprehensive Medigap plans don’t cover.

All Medigap plans, including Plan G, sold to new Medicare members don’t cover the following:

  • Part B deductible. (Since 2020, new Medicare members can’t buy any plan that covers the Part B deductible, although existing members may own older plans that do.)

  • Long-term care (like non-skilled care you get in a nursing home).

  • Private-duty nursing.

How much does Medigap Plan G cost?

Premiums for Medigap Plan G are set by the private health insurance companies that sell it, even though the plans are regulated by the government. Prices vary according to age, location, tobacco use and other factors. In one representative California ZIP code (92589) in 2022, premiums for a nonsmoking 65-year-old range from $122 to $206 monthly.

In 2022, some states also offer a high-deductible Plan G, which provides the same benefits, after a deductible of $2,490 is paid. Monthly premiums for the same 65-year-old nonsmoker in ZIP code 92589 range from $30 to $68.

To find out the cost of Medigap Plan G in your area, visit Medicare.gov.

The best time to buy your Medigap Plan G policy is during the six-month Medigap open enrollment period, which starts the first month you have Medicare Part B and are 65 years of age or older. During this period, companies can’t factor your health status or medical history into your price. After the period ends, it never repeats, and you might pay more or get denied for coverage because of your health or medical history.

In some states, insurance companies sell Medigap plans to those under 65 who are living with a disability and are eligible for Medicare. You can find more information at your local State Health Insurance Assistance Program, or SHIP.

If you have questions about Medicare, visit Medicare.gov or call 800-633-4227 (TTY: 877-486-2048).

Compare alternative plans

For those who are eligible, Plan F covers everything in Plan G, plus the Part B deductible; however, plans covering the Part B deductible can’t be sold to most new Medicare members anymore.

Get details on Medicare Supplement Insurance options


Medigap Plan

Basic benefits

Basics plus some extras

Highest coverage

Lower premiums, but higher copays

Lowest premiums — partial coverage

No longer for sale to new Medicare members

Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.