Medicare Supplement Plan G 2025 | Most Popular Medigap Coverage
Get comprehensive coverage with just a $240 deductible. Covers 100% of Medicare costs after your deductible.
Why Choose Medicare Supplement Plan G?
Lowest Out-of-Pocket Costs
Only $240 deductible per year. After that, Plan G covers 100% of your Medicare costs.
Comprehensive Coverage
Covers Medicare Part A deductible, coinsurance, and most other out-of-pocket costs.
Go Anywhere
See any doctor that accepts Medicare. No network restrictions or referrals needed.
Plan G Benefits & Coverage
What Plan G Covers
✅ FULLY COVERED (100%)
- ✓Medicare Part A coinsurance and hospital costs
- ✓Medicare Part B coinsurance (20%)
- ✓Blood (first 3 pints)
- ✓Part A hospice care coinsurance
- ✓Skilled nursing facility coinsurance
- ✓Foreign travel emergency (up to $50,000)
💲 PARTIALLY COVERED
- $Part A deductible: You pay $240 (2025)
- $Part B deductible: You pay $240 (2025)
❌ NOT COVERED
- ✗Prescription drugs (need Part D)
- ✗Dental, vision, hearing
- ✗Long-term care
Plan G vs Other Medicare Supplement Plans
| Benefit | Plan F | Plan G | Plan N |
|---|---|---|---|
| Part A Deductible | ✓ Covered | You pay $240 | ✓ Covered |
| Part B Deductible | ✓ Covered | You pay $240 | ✓ Covered |
| Part B Coinsurance | ✓ Covered | ✓ Covered | ✓ Covered |
| Part B Excess Charges | ✓ Covered | ✓ Covered | ✗ Not Covered |
| Monthly Premium | Highest | Lower | Lowest |
Real Cost Savings with Plan G
Example: Hospital Stay + Doctor Visits
Without Plan G
With Plan G
When Can You Enroll in Plan G?
✅ Guaranteed Issue Rights
You can enroll in Plan G without medical underwriting during these periods:
- • Within 6 months of turning 65
- • Within 6 months of enrolling in Part B
- • When you lose employer coverage
- • When your plan is discontinued
- • During Medicare Advantage trial period
⚠️ Medical Underwriting
Outside of guaranteed issue periods, you may need to answer health questions:
- • Health conditions may affect eligibility
- • Premiums may be higher
- • Some conditions may be excluded
- • Pre-existing conditions may have waiting periods
Get Your Plan G Quote Today!
Our Medicare experts will help you find the best Plan G rates and coverage for your needs.
Frequently Asked Questions
What is the difference between Plan F and Plan G?
Plan F covers the Part B deductible ($240), while Plan G requires you to pay it. However, Plan G premiums are typically lower, making it more cost-effective for most people.
Can I keep my doctor with Plan G?
Yes! Plan G works with any doctor who accepts Medicare. You don't need referrals and there are no network restrictions.
How much does Plan G cost?
Plan G premiums vary by location, age, and insurance company. Contact us for a personalized quote based on your specific situation.
Do I need Part D with Plan G?
Yes, Plan G doesn't cover prescription drugs. You'll need a separate Medicare Part D plan for prescription coverage.
🤔 Which Insurance Option Is Right for You?
🏥Medicare Supplement (65+)
- ✅No network restrictions - see any doctor who accepts Medicare
- ✅Predictable costs with $240 deductible
- ✅No referrals needed for specialists
- ✅Comprehensive coverage for Medicare gaps
- ❌Higher monthly premiums
- ❌Must be 65+ and enrolled in Medicare
🏛️Health Insurance Marketplace (Under 65)
- ✅Subsidies available (up to $2,400/year)
- ✅Lower premiums with network-based plans
- ✅Essential health benefits included
- ✅Preventive care covered 100%
- ❌Network restrictions apply
- ❌May require referrals for specialists
Not sure which option is best for your situation? Our licensed agents can help you compare all options and find the perfect coverage for your specific needs and budget.
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📅 Enrollment Timeline
No enrollment periods currently available for your situation.
🌍 Geographic Coverage & Market Analysis
Explore our comprehensive coverage across regions, states, and counties with detailed market insights and enrollment data.
Southeast Region
Southeastern United States including Florida, Georgia, Alabama, and South Carolina
Florida
21.5M
Sunshine State with high Medicare enrollment and diverse healthcare options
Georgia
10.7M
Peach State with Atlanta metro and diverse healthcare options
Mid-Atlantic Region
Mid-Atlantic states including Virginia, North Carolina, and Maryland
Virginia
8.6M
Old Dominion with Northern Virginia tech corridor and healthcare innovation
North Carolina
10.4M
Tar Heel State with Research Triangle and healthcare innovation
Southwest Region
Southwestern states including Texas, Arizona, and New Mexico
Texas
29.1M
Lone Star State with major metro areas and diverse healthcare options
West Coast Region
West Coast states including California, Oregon, and Washington
California
39.5M
Golden State with diverse population and healthcare innovation
📊 Market Summary
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Prescription Drug Coverage
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Need Help Choosing the Right Coverage?
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Contact Us DirectlyMedicare Resources & Tools
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Not Sure Which Option Is Best for You?
Our licensed insurance experts can help you compare all options and find the perfect coverage for your specific needs and budget.