Medicare Supplement Plan G

Fact Checked
Expert reviewed by: Ron Elledge, Medicare consultant
Published: 5/14/2021

Medicare supplement Plan G is one of the two most comprehensive Medicare Advantage supplement plans (also referred to as Medigap policies) available. It covers nearly 100% of the benefits offered through Medicare Advantage Plans and meets new regulations for Medigap policies. Plan G is available to individuals who want comprehensive coverage and became newly eligible to Medicare after January 1, 2020.


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Ron Elledge
Medicare Consultant and Author
Ron Elledge
Medicare Consultant and Author

Ron Elledge is a seasoned Medicare consultant and author of “Medicare Made Easy.” As a Medicare expert, he regularly consults beneficiaries on Medicare rules, regulations, and strategies.

What is Medicare Supplement Plan G?

Medicare supplement Plan G is a comprehensive health plan that covers:

  • Part A coinsurance and hospital costs
  • Part B copays and insurance
  • First three pints of blood
  • Part A hospice
  • Skilled nursing facilities
  • Part A deductible
  • Part B excess charges
  • 80% of foreign travel emergencies

Part G does not cover Part B deductibles.

How Much Does Medicare Supplement Plan G Cost?

All Medicare supplement plans require you to pay a monthly premium. Premiums are set by each state and each insurance provider. Because Medicare supplement plans are offered through private insurance companies, the companies will set their own premiums, so they will vary.

According to the Centers for Medicaid and Medicare’s Guide to Health Insurance, in general, you will get the best price for Medicare supplemental insurance if you purchase a plan as soon as you are eligible for Medicare and enrolled in Parts A and B. Supplement Open Enrollment starts on the first day of the month that you turn 65 and are enrolled in both Parts A and B and lasts for six months.

This is an ideal time to apply for a Medicare supplement plan because during that Open Enrollment period, an insurance company is not allowed to use medical underwriting to decide whether to accept your application. This means that the insurance company can’t take certain actions based on any of your existing health conditions, including:

  • Not sell you a policy
  • Upcharge you for a Medigap policy as compared to someone else without your health conditions
  • Make you wait for coverage, aside from a few exceptions

Some states also offer a high-deductible version of Plan G. If you choose a high-deductible Plan G, you will pay the full amount of any Medicare-covered costs, including coinsurance, copayments and deductibles, up to the set deductible amount for that year. In 2021, the deductible amount for Plan G is $2,370.

Who Qualifies for Medicare Supplement Plan G?

Anyone who is eligible for Medicare and enrolled in Part A and Part B is also eligible to purchase Medicare supplement Plan G. If you were eligible for Medicare before January 1, 2020, you may also be eligible to purchase Plan F, which offers the same level of coverage as Plan G plus Part B deductible coverage.

How is Medicare Supplement Part G different from Part F and Other Supplement Plans?

Medicare supplement plans G and F are virtually identical, aside from the fact that Plan F covers a Part B deductible. Part F is also only available to those who were eligible for Medicare before January 1, 2020 or who had already enrolled in the plan before that date. Part G can be purchased by anyone who became eligible for Medicare after January 1, 2020.

To see how Plan G stacks up against the other available Medicare supplement insurance plans,  you can utilize the plan chart offered directly through Medicare to see the full list of benefits covered by each plan:

Medigap Benefits Medigap Plans
A B C D F G* K L M N
Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Blood (first 3 pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Part A hospice care coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled nursing facility care coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess charge No No No No Yes Yes No No No No
Foreign travel exchange (up to plan limits) No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit N/A N/A N/A N/A N/A N/A $5,880 in 2020 ($6,220 in 2021) $2,940 in 2020 ($3,110 in 2021) N/A N/A

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