Medigap Plan G
Plan G covers every gap Original Medicare leaves except one: the annual Part B deductible. After you pay that deductible each year, Plan G pays your share of every Medicare-covered service — no copays, no coinsurance, no surprise percentages.
What does Plan G cover?
- Part A coinsurance and hospital costs (up to 365 extra days after Medicare benefits are used) — Covered 100%
- Part B coinsurance or copayment — Covered 100%
- Blood (first 3 pints) — Covered 100%
- Part A hospice care coinsurance or copayment — Covered 100%
- Skilled nursing facility care coinsurance — Covered 100%
- Part A deductible — Covered 100%
- Part B deductible — Not covered
- Part B excess charges — Covered 100%
- Foreign travel emergency (up to plan limits) — Covered 80%
Who is Plan G a good fit for?
- People who want the most complete coverage still open to new enrollees — Plan G is the fullest plan you can buy if you became eligible for Medicare in 2020 or later.
- People who value a predictable year: one deductible, then covered.
- People who see doctors that don't accept Medicare assignment — Plan G pays Part B excess charges, which only it and the closed Plan F cover.
What are the trade-offs of Plan G?
- Usually the highest premium among plans open to new enrollees — you are paying for the completeness.
- You still pay the annual Part B deductible yourself; no plan sold to new enrollees is allowed to cover it.
- No drug coverage — a separate Part D plan rides alongside, and skipping one triggers the permanent late penalty.
Key facts
- Part A deductible
- Covered 100% (2026)
- Part B deductible
- Not covered (2026)
- Part B excess charges
- Covered 100% (2026)
- Sold by
- Private insurers, standardized by federal law — same benefits at every company
Frequently asked questions
Does Plan G cover the Part B deductible?
No. You pay the annual Part B deductible yourself — $283 in 2026 — and Plan G picks up its share of covered services after that.
Does Plan G cover Part B excess charges?
Yes. If a doctor does not accept Medicare assignment and bills up to 15% above the Medicare-approved amount, Plan G pays that excess.
Does Plan G cover care outside the United States?
Partly. Plan G pays 80% of foreign travel emergency care, after a separate deductible and up to the plan's lifetime limit. Routine care abroad is not covered.
Is Plan G the same at every insurance company?
Yes. Medigap benefits are standardized by law, so Plan G is the same package of benefits whoever sells it. Price, service and rate history are what differ — three states (Massachusetts, Minnesota, Wisconsin) standardize their plans differently.
Sources
- Medicare.gov — Medigap (Medicare Supplement Insurance) (accessed September 8, 2026)
- CMS — Choosing a Medigap Policy (product 02110), benefit chart (accessed September 8, 2026)
- CMS — 2026 Medicare Parts A & B Premiums and Deductibles (accessed September 8, 2026)
Further reading
- TRICARE for Life and Medicare 2026: Apopka, FL Veterans' Coverage Guide
- Medicare Trial Rights in 2026: Your 12-Month Guaranteed Way Back to Medigap
- TRICARE for Life & Medicare 2026: Orlando Area Veterans Guide
- All Medigap plans and the full benefit chart
- The six-month Medigap open enrollment window
- Two-minute plan match quiz
- Medicare articles
- Find a licensed Medicare advisor by state
Updated September 8, 2026. Dollar figures are 2026 plan-year amounts transcribed from CMS publications and last verified by IM65 against the source for each: Parts A & B premiums, deductibles and IRMAA (August 11, 2026).