What Is Medicare Plan G?
Key Points
- Plan G covers nearly all Medicare cost-sharing except the Part B deductible ($283 in 2026).
- It is the most comprehensive Medigap plan available to new Medicare beneficiaries.
- Premiums vary by carrier, age, and location — shopping around can save you hundreds per year.
Medicare Plan G has become the most popular Medigap plan in the country. Here's what it covers, what it costs, and why so many people choose it.
What Does Medicare Plan G Cover?
Medicare Supplement Plan G is one of the most comprehensive coverage options available. Once you've met the annual Part B deductible ($283 in 2026), Plan G pays 100% of the remaining Medicare-approved costs — including hospital stays, doctor visits, skilled nursing facility coinsurance, and even emergency care during foreign travel (up to plan limits).
In practical terms, this means that after your Part B deductible, you typically owe nothing for covered services. There are no copays, no network restrictions, and no referrals required — you can see any doctor in the country who accepts Medicare.
How Is Plan G Different from Plan F?
Plan F was the "gold standard" Medigap plan for years because it covered the Part B deductible in addition to everything Plan G covers. However, Plan F was discontinued for new Medicare beneficiaries starting January 1, 2020. If you became eligible for Medicare on or after that date, Plan G is the most comprehensive plan available to you.
For most people, Plan G ends up being the better financial choice even when Plan F is an option — because the premium savings on Plan G typically outweigh the cost of the Part B deductible.
Who Is Plan G Best For?
Plan G is an excellent fit for people who want predictable, comprehensive coverage and the freedom to see any Medicare-participating doctor or specialist without a referral. It's particularly well-suited for those who travel frequently, have multiple health conditions, or simply want the peace of mind that comes with knowing their major medical costs are covered.
If you're budget-conscious and willing to accept some cost-sharing in exchange for lower premiums, a Plan N or high-deductible Plan G might be worth comparing.
How Much Does Plan G Cost?
Premiums vary significantly by insurance company, your age, your gender, and where you live. In South Florida, premiums for Plan G can range from around $100 to over $200 per month depending on these factors.
Because all Plan G policies offer identical coverage, the only reason to pay more is if you're not shopping around. Working with an independent broker means we compare rates across every carrier we represent to find you the lowest price for the same coverage.
Still Have Questions?
Our licensed Medicare brokers are here to help — at no cost to you.