Medicare Supplement Plan G: What It Covers in 2026
The most popular Medigap plan for people newly eligible for Medicare. Here's exactly what it pays for, what it doesn't, and who it actually fits.
Typical Monthly Premium
$120–$250
Varies by age, location, and carrier
2026 Part A Deductible
$1,736
Fully covered by Plan G
2026 Part B Deductible
$283
The one gap Plan G doesn't cover
What Plan G Covers
Plan G is a standardized plan, so the benefits below are identical no matter which carrier you buy it from. The only thing that varies between carriers is the premium.
| Benefit | Plan G Coverage |
|---|---|
| Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used) | Covered |
| Part A deductible | Covered |
| Part B coinsurance or copayment | Covered |
| Part B deductible | Not Covered |
| Part B excess charges | Covered (100%) |
| Blood (first 3 pints) | Covered |
| Part A hospice care coinsurance or copayment | Covered |
| Skilled nursing facility care coinsurance | Covered |
| Foreign travel emergency (up to plan limits) | Covered (80% after a $250 deductible) |
Medigap plans are standardized in every state except Massachusetts, Minnesota, and Wisconsin, which use their own plan structures.
Who Plan G Is Best For
Good fit if you:
- Want the most predictable out-of-pocket costs available to people newly eligible for Medicare
- Travel and want emergency coverage outside the U.S.
- Would rather pay a higher steady premium than face large bills if something goes wrong
- Want to see any provider that accepts Medicare, with no network or referrals
Probably not a fit if you:
- Are turning 65 before 2020 and may still qualify for Plan F (ask us, this gets confusing)
- Want the lowest possible monthly premium and can tolerate more cost-sharing (Plan N may fit better)
- Are comfortable with a Medicare Advantage network in exchange for a lower premium
Compare Other Plan Letters
Not sure if Plan G is actually your best option? We'll walk through your specific situation, no fees, no bias toward any carrier.
Book a Review