Medicare Supplement Plan G

Understanding Medicare Supplement Plan G with FTJ Senior Insurance

Medicare Supplement Insurance plans—also known as Medigap—are designed to help cover out-of-pocket healthcare expenses that Original Medicare (Parts A and B) doesn’t pay. Medicare Supplement Plan G (Medigap Plan G) is one of the most comprehensive options available, offering robust coverage for most costs not covered by Medicare (Note: Massachusetts, Minnesota, and Wisconsin have their own standardized Medigap plans). 

What Does Medicare Supplement Plan G Cover?

With Plan G, your only out-of-pocket expense (after your premium) is the Medicare Part B deductible, which is $283 in 2026. 

Plan G covers: 

• Hospital Expenses: 100% of Part A hospital costs, including all coinsurance and deductible expenses, for up to 365 days after Original Medicare benefits are exhausted. 

• Medical Expenses: 100% of Original Medicare Part B coinsurance or copayment (typically 20% of the Medicare-approved amount). 

• Blood Transfusions: The first three pints of blood needed for a medical procedure. 

• Hospice Care: 100% of Part A hospice coinsurance or copayment. 

• Skilled Nursing Facility Care: Coinsurance for skilled nursing facility care. 

• Excess Charges: Original Medicare Part B excess charges. 

• Foreign Travel Medical Emergencies: 80% of approved costs (up to plan limits) for medical emergencies while traveling abroad. 

Not covered by Plan G:

• Part B Deductible: You pay the annual Part B deductible ($283 in 2026). 

• Prescription Drugs: Plan G does not cover prescription drugs. You can purchase a separate Medicare Prescription Drug Plan (Part D) for medication coverage. 

Who Can Benefit from Medicare Supplement Plan G?

Plan G is ideal for those who want predictable healthcare costs and minimal out-of-pocket expenses. It’s especially popular with people who want the most comprehensive coverage available (other than Plan F, which is no longer available to new enrollees). 

 

Advantages of Plan G

• Most comprehensive coverage among standardized Medigap plans 

• Very few out-of-pocket expenses after the Part B deductible 

• Nationwide coverage—see any provider who accepts Medicare 

Disadvantages of Plan G

• Does not cover the Part B deductible 

• Premiums are typically higher than less comprehensive Medigap plans 

How Much Does Medicare Supplement Plan G Cost? 

Monthly premiums for Plan G are set by private insurance companies and depend on factors like your location, age, gender, health status, and more. Premiums can vary between companies for the same coverage. 

If you choose the high-deductible Plan G, you must pay Medicare-covered expenses (copayments, coinsurance, and deductibles) up to the deductible amount of $2,950 in 2026 before your plan pays anything. 

How Pricing Works

Medigap policies can be priced in three ways: 

• Community-Rated: Same premium for everyone, regardless of age. 

• Issue-Age-Rated: Premium is based on your age when you buy the policy and won’t increase as you age. 

• Attained-Age-Rated: Premium is based on your current age and increases as you get older. 

When to Enroll in Medicare Supplement Plans 

• When You’re First Eligible: The best time to enroll is during your Medigap Open Enrollment Period, which starts the first month you’re 65 and enrolled in Medicare Part B. During this six-month window, you can buy any Medigap policy sold in your state, regardless of health status, and you’ll generally get the best prices and choices. 

• After Open Enrollment: You can still apply for Medigap coverage, but acceptance and pricing may depend on medical underwriting. 

Have questions or want a personalized quote? 
Contact FTJ Senior Insurance today—our licensed agents are here to help you find the right Medicare Supplement plan for your needs.

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