Medicare Supplement Plan G: The Most Comprehensive Coverage Available Today

If you are looking for the most complete coverage available to new Medicare enrollees, Medicare Supplement Plan G is likely where your search ends. It is currently the most popular Medigap plan for people turning 65, and for good reason: it leaves you with almost zero out-of-pocket medical costs.

Before we dive into the details, remember our core philosophy on Medicare: Medigap vs. Medicare Advantage is a rigged comparison. The real choice is Traditional Medicare (Parts A and B) versus Medicare Advantage. The supplement decision comes AFTER you choose the Traditional path. It is a component of the Traditional path, not an alternative to Advantage. If you choose Traditional Medicare, a supplement fills the gaps by law.

What Plan G Covers

Plan G covers exactly what Traditional Medicare leaves behind, with one single exception. Once Medicare pays its approved amount for a covered service, Plan G steps in to pay the rest.

Here is what Plan G covers at 100%:

• Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used up)
• Medicare Part B coinsurance or copayment
• Blood (first 3 pints)
• Part A hospice care coinsurance or copayment
• Skilled nursing facility care coinsurance
• Medicare Part A deductible
• Medicare Part B excess charges
• Foreign travel exchange (80% up to plan limits)

The Only Thing Plan G Doesn't Cover

The only gap Plan G does not fill is the Medicare Part B annual deductible. For 2024, that deductible is $240. Once you pay that $240 out of your own pocket for doctor visits or outpatient services, Plan G covers 100% of your remaining Part B coinsurance for the rest of the calendar year.

Why Plan G is the New Standard

You might have heard of Plan F, which covered absolutely everything, including the Part B deductible. However, Plan F is no longer available to anyone who became eligible for Medicare on or after January 1, 2020. Plan G is the closest you can get to that level of coverage today.

Benefits are standardized by federal law. This means a Plan G from one insurance company offers the exact same medical benefits as a Plan G from any other company. The only difference is the price and the company's customer service.

You have worked hard to build your life, and you deserve to protect what you've earned. We are on your side of the table, ready to help you compare rates from dozens of carriers. We will walk you through every option, so you can make an informed decision without the high-pressure sales tactics.

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