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Medicare Supplement Plan G

Medigap Plan G

Plan G is one of the 10 standardized medicare supplement plans that is available in most states (these states may have different options available: Massachusetts, Minnesota, and Wisconsin have different options).

Plan G has quickly become one of the most popular plans along with Plan F. Its wide popularity comes from the fact that many insurance companies have priced it more affordably than Plan F, while the plan still provides great value. Plan F and G are highly similar in benefit design.

Quick Facts
  • The enrollment in Plan G, which covers all Medicare deductible and coinsurance amounts except the Part B deductible, increased by 28 percent from 2014 to 2015, or by 198,000 enrollees.1
  • Between December 2014 and December 2015, enrollment in Medigap increased to 11.8 million, up from approximately 11.2 million in December 2014.1
Standard Medicare Supplement Insurance benefits Plan G
Medicare Part A co-insurance and hospital costs
Medicare Part B co-insurance or co-payment
First 3 pints of blood
Part A hospice care co-insurance or co-payment
Co-insurance for skilled nursing facility
Medicare Part A deductible
Medicare Part B deductible
Medicare Part B excess charges
Foreign travel emergency
As you can see from the above chart, with Plan G, you still have to pay the Medicare Part B deductible. In 2019, this deductible is set to be $185. This is a calendar year deductible, not a per instance deductible.
Plan G vs. other Medigap plan options

Check out this side-by-side comparison of how Plan G stacks up against other medigap plans.

Medicare Supplement Benefits A B C D F1 G K2 L3 M N4
Part A co-insurance and hospital costs
Part B co-insurance or co-payment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
MedicarePart B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plan F offers a high-deductible plan. This plan requires you to pay a $2,300 deductible in 2019 before it covers anything.
2. Plan K has an out-of-pocket yearly limit of $5,560 in 2019. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.
3. Plan L has an out-of-pocket yearly limit of $2,780 in 2019. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.

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