Medicare Supplement Plan G

Also known as Medigap Plan G, Medicare Supplement Plan G has been available for several years now. Another plan, Medigap Plan F, was very popular and was phased out in 2022. In its absence, Medigap Plan G has taken its place.

Medigap Plan G is one of the ten standardized Medicare Supplement Policies.  Plans are named in chronological order of the alphabet (A, B, C, etc.). Original Medicare does not cover all the treatments and services that many people need.  These policies are available to fill in the gaps. Any hospital, facility, or doctor that accepts Medicare will accept the Medigap Plan G. The vast majority of hospitals and doctors in the United States do accept Original Medicare.   Additionally,  Plan G is one of the plans that cover foreign travel.

Plan F, which is now unavailable, was considered the gold standard of Medigap Plans because it covered 100% of the gaps in Medicare. However, when it was phased out last year, Plan G soon became one of the most popular plans because it is almost as much coverage as Plan F. Medigap Plan G is nearly as much coverage, with one distinct difference. Plan G does not cover the Original Medicare Part B deductible, which was $233 in 2022. Even with the difference in coverage, beneficiaries of Medigap Plan G find it more cost-effective than Plan F when considering their respective premiums. Plan G covers everything that Original Medicare (Parts A and B) cover at 100% except for the Part B premium. This means that beneficiaries will pay nothing out of pocket for covered services and treatments after the deductible is met.

Medigap Plan G, much like Plan F, also covers “excess charges.” An excess charge is what happens when a doctor does not accept the full Medicare-approved amount for the payment, which can mean that they charge beneficiaries up to 15% more than the Medicare-approved amount for services or procedures. Since the year 2016, the following states have made excess charges illegal: Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island, and Vermont.

Some beneficiaries may prefer the High Deductible Plan G.    Click here to learn what a High Deductible Plan G offers. 

Click here to watch our training video about Plan G.

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