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.
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Need Personal Guidance?
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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.