Jason Jenkins is a freelance writer who has covered a wide array of topics, including credit and debt, real estate, fashion and sports. His work has been published by The Associated Press, CNN and the Atlanta Journal-Constitution.
Assigning Editor Holly Carey
Assigning Editor | Medicare
Holly Carey joined NerdWallet in 2021 as an editor on the team responsible for expanding content to additional topics within personal finance. She currently leads the Medicare team. Previously, Holly wrote and edited content and developed digital media strategies as a public affairs officer for the U.S. Navy. She is based in Virginia Beach, Virginia.
Fact Checked Co-written by Alex Rosenberg Lead Writer Alex Rosenberg
Lead Writer | Medicare, health care, legislation
Alex Rosenberg is a NerdWallet writer focusing on Medicare and information technology. He has more than 10 years of experience researching and writing about health care, insurance, technology, data privacy and public policy. His research has supported lawmakers in the Wisconsin State Legislature as well as health systems and national health authorities in the U.S. and more than 10 other countries. He is based in Eau Claire, Wisconsin.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Medigap Plan G is the most popular Medicare Supplement Insurance plan available to any Medicare member [0]
America's Health Insurance Plans . The State of Medicare Supplement Insurance Coverage. Accessed Apr 22, 2024.
. Medicare Supplement Plan G covers certain expenses such as coinsurance, copayments and deductibles that aren't covered under Medicare Part A and Part B, also known as Original Medicare .
Medicare Supplement Plan G offers a lot of coverage, but it’s also one of the more expensive options.
Here’s what you need to know to decide whether Plan G is right for you.
Medicare Supplement Insurance Plan G is often called Medigap Plan G. You might also see it referred to as "Medicare Plan G" or even "Medicare Part G," even though those labels aren't quite accurate.
Medicare Supplement Plan G covers “gaps” in Medicare coverage: the out-of-pocket costs left over after Medicare pays its portion of the bill. Plan G covers more of these costs than any other Medicare Supplement Insurance plan available to new Medicare members.
There are 10 standardized, letter-named Medigap plans in most states (except Massachusetts, Minnesota and Wisconsin, which have their own standards). The plans differ in terms of what they cover, out-of-pocket limits and premiums.
Plan G is essentially a replacement for Plan F for new Medicare members. Plan F and Plan C aren’t available for sale to people who became eligible for Medicare on or after Jan. 1, 2020, and to some people under age 65 (some exceptions apply).
Medigap insurance is available only to Medicare beneficiaries enrolled in Part A and Part B ; it can’t be sold to Medicare Advantage members (unless they’re switching back to Original Medicare) [0]
Centers for Medicare & Medicaid Services . Learn How Medigap Works. Accessed Apr 22, 2024.Medigap Plan G has pros and cons:
Maximum coverage: Plan G covers the most benefits out of the Medigap plans available to new Medicare beneficiaries.
Wide availability: Almost every insurance company selling Medicare Supplement Insurance policies offers Plan G.
Excess charge coverage: Unlike almost every other Medigap plan, Plan G covers Medicare Part B excess charges (if a provider is permitted to charge more than Medicare’s approved amount and does so).
Higher premiums: Because it has high coverage, Plan G also tends to have higher premiums.
Excess charges are rare: One of Plan G’s unique features is coverage for Part B excess charges, but these charges are rare — 98% of providers who accept Medicare can’t impose excess charges.
Plan D or Plan N might be a better fit: Medigap Plan D and Plan N can cost significantly less than Plan G for nearly the same benefits.
Here’s what Medicare Supplement Plan G covers, according to Medicare.gov [0]
Centers for Medicare & Medicaid Services . Compare Medigap Plan Benefits. Accessed Apr 22, 2024.Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up.
Part A deductible. Part A hospice care coinsurance or copayment. Part B coinsurance or copayment.Part B excess charges (if a provider is permitted to charge more than Medicare’s approved amount and does so).
Blood transfusion (first three pints). Skilled nursing facility care coinsurance.Medically necessary emergency health care service for the first 60 days when traveling outside the U.S. Deductible and limitations apply.
Medicare Supplement Plan G offers the most coverage of any plan that new Medicare members can buy. However, there are benefits that even the most comprehensive Medigap plans don’t cover.
All Medigap plans, including Plan G, sold to new Medicare members generally don’t cover the following: [0]
Centers for Medicare & Medicaid Services . Learn What Medigap Covers. Accessed Apr 22, 2024.Part B deductible (since 2020, new Medicare members can’t buy any plan that covers the Part B deductible, although existing members may own older plans that do).
Long-term care (like non-skilled care you get in a nursing home). Private-duty nursing.MEDICARE SUPPLEMENT , or Medigap, is private health insurance that covers “gaps” in traditional Medicare coverage. Compare options from our Medigap roundup .
Best for Medigap plan options
Best for member satisfaction
Best for premium discounts
Best for extra benefits
Premiums for Medicare Supplement Plan G are set by the private health insurance companies that sell it, even though the plans are regulated by the government. Prices vary according to age, location, tobacco use and other factors.
Premiums for a 65-year-old female nonsmoker range from $119 to $321 per month in Atlanta, which has average costs among major U.S. metro areas for the most popular Medigap plan types [0]
Medicare.gov . Find a Medigap Policy that Works for You. Accessed Apr 22, 2024.Some states also offer a high-deductible Plan G, which provides the same benefits after a deductible of $2,800 in 2024 is paid. Monthly premiums for the same 65-year-old nonsmoker in Atlanta range from $42 to $76.
To find out the cost of Medigap Plan G in your area, visit Medicare.gov.
The best time to buy your Medicare Supplement Plan G policy is during the six-month Medigap open enrollment period .
This period happens only once. It starts once you’re 65 and enrolled in Medicare Part B, and lasts for six months. (If you're still working after 65 and covered by a group employer plan that is deemed creditable coverage, your six-month period starts after you’ve ended active employment or no longer have that insurance.)
Medigap policies are cheapest and easiest to get during this open enrollment period because insurance companies aren’t allowed to factor your health or medical history into your price. After the period ends, the prices may go up or you may be denied coverage due to your health status or medical history.
In some states, insurance companies sell Medigap plans to those under 65 who are living with a disability and are eligible for Medicare. You can find more information through your State Health Insurance Assistance Program , or SHIP.
Medigap Plan G and Plan N are the two most popular Medicare Supplement Insurance plans available for new Medicare members. Plan N covers a little less than Plan G, but it generally has lower premiums.
Plan N also has copays for certain medical office and emergency department visits. If you don’t have a lot of those visits, Plan N might be the better deal for you. If you would have to pay those copays often, however, Plan G might end up less expensive.
For those who are eligible, Plan F covers everything in Plan G, plus the Part B deductible; however, plans covering the Part B deductible can’t be sold to most new Medicare members anymore.
Even for people who can buy Plan F, it might not be the best deal. If the additional cost for Plan F would add up to more than the Part B deductible — $240 in 2024 — over the course of the year, it’s more cost effective to stick with Plan G.
Medigap Plan G is often more expensive than other plan types because it covers such a wide range of benefits. Whether it's worth it to you depends on the specifics of prices available to you and the value you place on Plan G’s added coverage.
Get details on Medicare Supplement Insurance options
Basics plus some extras
Lower premiums, but higher copays
Lowest premiums — partial coverage
No longer for sale to new Medicare members
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
About the authorsYou’re following Jason Jenkins
Visit your My NerdWallet Settings page to see all the writers you're following.
You’re following Alex Rosenberg
Visit your My NerdWallet Settings page to see all the writers you're following.
Alex is a NerdWallet writer focusing on Medicare and information technology. He has written about health, tech, and public policy for over 10 years. See full bio.
On a similar note.
MORE LIKE THIS Medicare Insurance NerdWallet Home Page Finance Smarter Credit Cards Financial Planning Financial News Small BusinessDownload the app
Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.
NerdUp by NerdWallet credit card: NerdWallet is not a bank. Bank services provided by Evolve Bank & Trust, member FDIC. The NerdUp by NerdWallet Credit Card is issued by Evolve Bank & Trust pursuant to a license from MasterCard International Inc.
Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
NerdWallet Compare, Inc. NMLS ID# 1617539
California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812
Insurance Services offered through NerdWallet Insurance Services, Inc. (CA resident license no.OK92033) Insurance Licenses
NerdWallet™ | 55 Hawthorne St. - 10th Floor, San Francisco, CA 94105