Medigap Plan G: A Comprehensive Guide

When they become eligible for Medicare at age 65, those who select Original Medicare health insurance may also choose to buy extra health insurance from a private insurance company in the form of a Medicare Supplement plan (also known as a Medigap plan). These insurance plans assist in covering expenses like copays that Original Medicare does not cover in exchange for a monthly payment that beneficiaries must pay. Plan G is one of the most popular and comprehensive Medicare Supplement plans. Continue reading to find out more about Medicare Supplement Plan G, including its typical cost, what it covers, and things to think about before acquiring a plan.

What Are Medicare Supplement Plans?

When it comes time to select a Medicare health insurance plan, which usually occurs when an adult becomes eligible at age 65, they have two options: they can purchase a Medicare Advantage plan from a commercial health insurance company or pick Original Medicare (Plans A and B), which the federal government offers. A little under half of all eligible people in the United States as of 2023 select Original Medicare over Medicare Advantage plans. Part A of Original Medicare provides hospital stays, skilled nursing, and specific home health care; Part B covers physician services, outpatient care, prescription drugs, and preventative care. In 2023, Part B will have a $226 yearly deductible, a $164.90 monthly premium, copays, and out-of-pocket costs.

Depending on their requirements and projected costs, consumers can select among ten Medicare Supplement plans offered by private health insurance firms to aid with out-of-pocket costs. According to Sarah Murdoch, director of client services at Medicare Rights Centre, a nationwide nonprofit organisation that assists older persons with Medicare access, if you choose Original Medicare, you may choose from a variety of Medicare Supplement plans to cover everything after Medicare pays. “Medicare pays 80% of medical expenses on average; Medicare Supplement covers the remaining 20% of plans.”

What Is Medicare Supplement Plan G?

According to Murdoch, a review of Medigap Plan G includes the most well-liked Medicare Supplement plan since it is the most complete. Plan G includes a monthly payment, but after the Part B deductible is reached, Plan G covers copays, coinsurance, and out-of-pocket expenses.

Those with health issues or those who believe a family history may contribute to the development of a particular health condition may find Medicare Plan G beneficial. Murdoch advises taking into account Plan G because of its reasonable long-term cost, even if it’s challenging to forecast what medical services a person would use in the future.

What Does Medicare Supplement Plan G Cover?

Almost all expenses not covered by Original Medicare are covered under Plan G, including:

  • Hospital expenses and Part A coinsurance may continue for up to 365 days after utilising all Medicare benefits.
  • Copays and coinsurance for Part B
  • the initial three quarts of blood, if any
  • Copays and coinsurance for Part A hospice care
  • Coinsurance for skilled nursing facility care
  • Costs of the Part A deductible
  • Prescription medication coverage is not included in Plan G but may be added independently with a Part D plan.

How Much Does Medicare Supplement Plan G Cost?

medicare supplement plan g cost

The Medicare Supplement Plan G monthly premium is based on an individual’s age, sex, location, and level of smoking. For instance, a 65-year-old nonsmoker in Houston, Texas, in 2023 may spend $126 to $198 monthly for a Plan G premium, according to independent licenced insurance agent Matt Gomez, who represents several major companies. According to him, the monthly premium for a Plan G for a 65-year-old nonsmoking woman in the same area could range from $111 to $172, with a household discount potentially bringing down the cost.

What to Consider When Purchasing Medicare Supplement Plan G

Murdoch advises taking into account the following inquiries to ascertain whether Plan G is a suitable plan for a person’s needs:

  • Is the monthly fee for the plan affordable?
  • How much medical treatment is expected to be required both now and in the future, and is this fully covered by the plan?
  • Does having Plan G enrollment assure that, should one get sick, their medical expenses will be mostly paid?

How to Purchase Medicare Supplement Plan G

The Medigap Open Enrollment Period, which lasts for six months starting on the first day of the month a person reaches 65 and enrols in Medicare Part B, is the ideal time to buy any Medicare Supplement plan. This timeline, however, may vary depending on several variables, such as whether the individual or their spouse intends to continue working for a company that offers health insurance after age 65. They may register in Part B any time after the employer’s coverage expires without a late enrollment penalty. Note: If a person still has employer-sponsored insurance, they may enlist in a Part B plan.

One can acquire Medicare Supplement plans directly from a private health insurance provider or a licenced insurance broker. Murdoch said, “We urge people to contact their State Health Insurance Assistance Programme, an impartial, nonprofit organisation.” “They can provide guidance and advice on the Plan G alternatives offered by local health insurance providers. After that, they visit the company’s website, find the Medigap or Supplement plans area, and adhere to the enrollment guidelines to get the desired Medigap coverage.

Medicare Supplement Plan G Customer Service

Before joining, customer service is another crucial consideration for the finest Medicare Supplement Plan G reviews. It is crucial that you enlist with a carrier through an agent who can offer you the best possible customer care. It’s crucial to engage with an agent that offers you the most excellent coverage available while looking for Medicare Supplement Plan G coverage, regardless of the carrier. At MedicareFAQ, we don’t work for just one brand—we work for you. We compare your coverage and identify the best alternative for your healthcare needs and financial health situation without any bias. Brokers will always assist you in locating the best cost with a premier carrier and frequently deal with many carriers.


The Medicare Supplement Plan G has had minimal price increases in recent years. The Medicare Part B deductible must be paid by everyone having a Medigap Plan G, which explains why. Before the plan’s coverage begins, consumers must pay a modest yearly deductible that must be met before receiving any benefits. Your agent may assist you in identifying the carrier with the lowest year-over-year pricing increases if you are interested in learning about recent rate hikes. Remember that these are only past tendencies. Reviewing Medicare Supplement Plan G evaluations with a certified Medicare agent is crucial since there is no assurance that your rate rise will be consistent with those of prior years.

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Cheryl Henson

Cheryl Henson is a passionate blogger and digital marketing professional who loves writing, reading, and sharing blogs on various topics.

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