What Does Medicare Supplement Plan G Cover?
Plan G works alongside Original Medicare (Parts A & B) to cover the out-of-pocket costs Medicare doesn’t. It’s often referred to as the most comprehensive Medigap plan available to new enrollees.
Here’s what Plan G covers:
- Medicare Part A coinsurance and hospital costs
- Skilled nursing facility coinsurance
- Part A deductible
- Part B coinsurance or co-pays
- Blood (first 3 pints)
- Hospice care
- Emergency foreign travel (up to plan limits)
What Plan G Does Not Cover:
The only thing Plan G doesn’t cover is the Part B annual deductible, which is $257 in 2025. Once you pay that, Plan G covers 100% of Medicare-approved costs for the rest of the year.
Why Plan G Is So Popular
There are several reasons Plan G remains one of the top choices among Medicare beneficiaries:
1. Freedom of Choice
You can see any doctor or specialist in the U.S. who accepts Medicare—no networks, no referrals.
2. Predictable Costs
Once you pay the Part B deductible, you’ll have virtually no out-of-pocket medical expenses for covered services.
3. Peace of Mind
No copays, no coinsurance, and no surprises. It’s simple, predictable coverage—especially important if you visit the doctor often or have ongoing health conditions.
Plan G is especially great for:
- Those with chronic conditions
- Snowbirds who travel between states
- Anyone who wants a “set it and forget it” plan
What Does Plan G Cost in 2025?
Plan G premiums vary by several factors, including your:
- Zip code
- Age
- Gender
- Tobacco use
- Carrier
In most states for 2025, Plan G costs between $120 and $200 per month.
In high-cost states like New York, California, Washington, and Florida, premiums can run even higher. (If you live in one of those states, check out our video in the description on Medigap in high-cost states.)
Quick Tip: Shop Around
Plan G is standardized. That means the coverage is the same, no matter which carrier you use. But the prices can vary dramatically.
We’ve helped clients lower their monthly premium from $220 to $165—for the exact same Plan G—just by switching carriers. Same doctors, same hospitals, same coverage… lower price.
That’s why we always recommend reviewing your Plan G rate annually, even if you love your coverage.
When Plan G Might Not Be the Best Fit
While Plan G is a fantastic plan, it’s not perfect for everyone. If you rarely go to the doctor and are looking to cut costs, you might want to consider:
1. Plan N
- Lower premiums than Plan G
- Has copays (up to $20 for office visits, $50 for ER visits)
- Doesn’t cover excess charges
Plan N usually runs between $80 and $130/month depending on your area.
2. High-Deductible Plan G
- Same core coverage as standard Plan G
- Has a $2,870 deductible in 2025
- Very low premiums: often $40 to $60/month
Both options come with some trade-offs, but if you’re healthy and don’t mind the occasional co-pay or higher deductible, they could save you hundreds per year.
Is Plan G Worth It in 2025?
Here’s how to know if Plan G is the right fit for you:
- You want comprehensive, worry-free coverage
- You travel and need nationwide provider access
- You have ongoing medical needs or frequent doctor visits
- You want to avoid billing surprises and complex copays
- You’re okay with paying a higher premium for peace of mind
If that sounds like you, Plan G is one of the best options on the market for 2025.
Final Thoughts: Get the Best Rate on Plan G
Whether you’re enrolling in Medicare for the first time or reviewing your existing Plan G coverage, here’s the bottom line:
- Plan G offers unmatched peace of mind
- Every carrier offers the same coverage—but not the same price
- Shop your rate annually to make sure you’re not overpaying
If you’re ready to compare Plan G rates in your zip code, or want help deciding between Plan G, Plan N, and High-Deductible Plan G, we’re here to help.
Get Free Medicare Help Today
Give us a call at 800-208-4974 using the link below. We’ll help you:
- Compare rates from top carriers in your area
- Check your eligibility
- Walk through your doctor and prescription coverage
- Find the best Medicare Supplement plan for your health and your budget
Alex Wender is the founder and CEO of Bluewave Insurance. He has been blogging about Medicare-related topics since 2010. Since then, he and his agency have helped thousands of people across the country choose the right Medicare to fit their needs.
