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Medigap Plan G: The Complete Guide to Coverage and Benefits

Medigap Plan G is currently the most popular Medicare Supplement plan for new enrollees. It offers the highest level of "gap" coverage available, leaving you with very few out-of-pocket expenses and predictable healthcare costs.

At a Glance: What Plan G Covers

Plan G covers nearly all the gaps left by Original Medicare (Part A and Part B). Your only recurring out-of-pocket responsibility is the annual Medicare Part B deductible.

Medicare Part A Deductible: 100% Covered
Part B Excess Charges: 100% Covered
Hospitalization Coinsurance: 100% Covered (up to 365 days after Medicare benefits end)
Skilled Nursing Facility Care: 100% Covered
Foreign Travel Emergency: 80% Covered (up to plan limits)

Why Medigap Plan G is the "Gold Standard"

Since the phase-out of Plan F for new beneficiaries, Plan G has become the top-tier choice for those who want comprehensive protection. While other plans might have lower monthly premiums, Plan G eliminates the "sticker shock" of unexpected medical bills.

1. Coverage for Part B Excess Charges

This is a standout feature of Medigap Plan G. If a doctor does not "accept assignment" (meaning they charge more than the Medicare-approved amount), they can add an "excess charge" of up to 15%. Medigap Plan G is one of the few plans that covers this 100%, protecting you from surprise billing at specialist offices.

2. Peace of Mind During Hospitalization

Medicare Part A has a significant deductible for every benefit period. Plan G covers this deductible in full, ensuring that a hospital stay doesn't result in a massive bill before your insurance kicks in.

Plan G vs. Plan N: Which is Better?

The choice between Plan G and Plan N usually comes down to your preference for premiums versus copays.

Feature	Medigap Plan G	Medigap Plan N
Office Visit Copays	$0	Up to $20
Part B Excess Charges	100% Covered	Not Covered
Monthly Premium	Higher	Lower

The High Deductible Plan G (GHD) Option

For those who want the security of Plan G but are currently in good health, High Deductible Plan G is an excellent alternative. You receive the same coverage benefits as the standard plan, but only after you have met an annual deductible amount set by Medicare. This significantly lowers your monthly premium while protecting you against catastrophic medical costs.

Frequently Asked Questions about Plan G

Does Plan G cover dental and vision?

Standard Medigap plans, including Plan G, do not typically cover routine dental, vision, or hearing. These are usually purchased as separate policies or "riders."

When can I enroll in Plan G?

The best time is during your 6-month Medigap Open Enrollment Period, which begins when you are 65 or older and enrolled in Medicare Part B. During this time, you have "guaranteed issue" rights and cannot be denied for health reasons.

Does Plan G include prescription drug coverage?

No. You will need to enroll in a standalone Medicare Part D plan to cover your medications. Plan G only covers medical costs associated with Medicare Parts A and B.