When choosing a Medicare supplement plan, many seniors are drawn to Plan G because of its strong coverage and predictable costs. However, with so many Medicare options available, it can be confusing to know exactly what Plan G includes.
This article provides a clear and simple breakdown of what Medicare Plan G covers, how it works, and why it’s one of the most popular Medigap plans for retirees.
What Is Medicare Plan G?
Medicare Plan G, often referred to as Medigap Plan G, is a supplemental insurance policy sold by private insurers. It’s designed to fill the gaps in Original Medicare (Part A and Part B) by covering out-of-pocket expenses such as coinsurance, copayments, and deductibles.
Unlike Medicare Advantage plans, Medigap plans do not replace Original Medicare. Instead, they work alongside Medicare to reduce or eliminate extra costs.
What Does Medicare Plan G Cover?
Plan G is known for its comprehensive benefits, covering almost everything except the Medicare Part B deductible. Let’s break it down:
1. Part A Hospital Costs and Coinsurance
Covers the Part A deductible and all coinsurance related to hospital stays.
Extends coverage for up to 365 additional hospital days after Medicare benefits run out.
2. Part B Coinsurance or Copayments
Pays for doctor visits, outpatient services, and specialist care that fall under Part B.
3. Blood (First Three Pints)
Covers the cost of the first three pints of blood each year, which Medicare does not cover.
4. Part A Hospice Care Coinsurance
Ensures that hospice care services are fully covered, easing financial burdens during difficult times.
5. Skilled Nursing Facility Care Coinsurance
Pays for skilled nursing and rehabilitation services that Medicare only partially covers.
6. Medicare Part A Deductible
Covers the hospital deductible, which is over $1,600 per benefit period in 2023 (and typically increases yearly).
7. Foreign Travel Emergency Care
Provides coverage for emergency healthcare outside the U.S., paying 80% of eligible costs (up to plan limits).
✅ In short: The only thing Plan G does not cover is the Medicare Part B annual deductible, which is $226 in 2023.
Costs Associated with Plan G
While Plan G offers robust coverage, beneficiaries should still expect some expenses:
Monthly Premiums: Usually between $120 and $200, depending on your state, age, gender, and provider.
Part B Deductible: You’ll pay this out-of-pocket once per year before Part B coverage begins.
After meeting the deductible, what is part g medicare Plan G typically covers 100% of your Medicare-approved expenses.
Why Is Plan G So Popular?
There are many Medigap options, but Plan G has become a favorite among seniors for good reasons:
Almost Full Coverage: Except for the Part B deductible, nearly all expenses are taken care of.
Predictable Healthcare Costs: You know what to expect each year, making budgeting easier.
Alternative to Plan F: Plan F (which covered the Part B deductible) is no longer available to new enrollees after 2020. Plan G is now the closest option.
Peace of Mind: Reduces stress about surprise medical bills and high hospital costs.
Who Should Consider Plan G?
Plan G is a smart choice if you:
Want comprehensive coverage without high out-of-pocket costs.
Prefer predictability in healthcare spending.
Are new to Medicare and want the best available Medigap plan since Plan F is no longer an option.
Travel internationally and want some protection for emergencies abroad.
Final Thoughts
Medicare Plan G is one of the most complete Medigap options available today. It covers nearly all of the costs that Original Medicare leaves behind, including hospital stays, skilled nursing, coinsurance, and even foreign travel emergencies.
The only cost you’ll face beyond your premium is the annual Part B deductible—after that, your Medicare-approved healthcare expenses are fully covered.
For seniors seeking simplicity, security, and peace of mind, Medicare Plan G is a reliable choice that balances affordability with comprehensive benefits.