What is Medicare Supplement Plan G?
Medicare Supplement Plan G (Medigap Plan G) is one of the most popular Medigap plans because it offers comprehensive coverage with lower premiums than Plan F. The only cost Plan G does not cover is the Medicare Part B deductible ($240 in 2024).
What Does Plan G Cover?
✅ 100% Coverage of:
- Medicare Part A Deductible ($1,632 per benefit period in 2024)
- Medicare Part A Coinsurance & Hospital Costs (beyond 60 days)
- Medicare Part B Coinsurance & Copayments (typically 20%)
- Medicare Part B Excess Charges (doctors who charge more than Medicare rates)
- Skilled Nursing Facility (SNF) Coinsurance
- Foreign Travel Emergency Coverage (80% up to plan limits)
- First 3 Pints of Blood
❌ Does Not Cover:
- Medicare Part B Deductible ($240 in 2024)
�� Plan G is nearly identical to Plan F, except you pay the Part B deductible.
Who Can Enroll in Medicare Supplement Plan G?
✅ Anyone eligible for Medicare Part A & B can enroll in Plan G at any time.
- Unlike Plan F, Plan G is available to all Medicare beneficiaries, including those who became eligible on or after January 1, 2020.
- You can apply during your Medigap Open Enrollment Period (when you first enroll in Medicare Part B) or later, but if you apply later, you may need to go through medical underwriting (which could impact eligibility and pricing).
�� If you missed your Open Enrollment Period, you can still apply, but acceptance depends on health underwriting unless you have a guaranteed issue right.
Average Monthly Premiums for Plan G by Age (2024 Estimates)
Premiums for Plan G vary by state, gender, tobacco use, and pricing method (community-rated, issue-age-rated, or attained-age-rated). Below are estimated national averages:
| Age | Average Monthly Premium for Plan G |
| 65 | $130 – $210 |
| 66 | $135 – $220 |
| 67 | $140 – $230 |
| 68 | $145 – $240 |
| 69 | $150 – $250 |
| 70 | $160 – $270 |
| 71 | $170 – $290 |
| 72 | $180 – $310 |
| 73 | $190 – $330 |
| 74 | $200 – $350 |
| 75 | $210 – $370 |
| 76 | $225 – $390 |
| 77 | $240 – $410 |
| 78 | $255 – $430 |
| 79 | $270 – $450 |
| 80 | $290 – $480 |
| 81 | $310 – $500 |
| 82 | $330 – $530 |
| 83 | $350 – $550 |
| 84 | $370 – $570 |
| 85 | $390 – $600 |
�� Premiums increase with age under most policies unless the plan is community-rated (same price for everyone).
Total Out-of-Pocket Costs for Plan G Over 10 Years
To determine total costs, we consider monthly premiums + Part B deductible ($240 per year) over 10 years.
| Age | 10-Year Premium Cost (Low-High) | 10-Year Part B Deductible | Total Cost Over 10 Years |
| 65 | $15,600 – $25,200 | $2,400 | $18,000 – $27,600 |
| 70 | $19,200 – $32,400 | $2,400 | $21,600 – $34,800 |
| 75 | $25,200 – $44,400 | $2,400 | $27,600 – $46,800 |
| 80 | $34,800 – $57,600 | $2,400 | $37,200 – $60,000 |
�� Plan G costs significantly less than Plan F while offering nearly identical coverage.
Is Plan G Worth It?
✅ Pros:
- Lower premiums than Plan F while covering nearly everything.
- Covers Part B excess charges (unlike Plan N).
- Best for those who want predictable medical costs with low risk.
❌ Cons:
- You must pay the Part B deductible ($240 in 2024) each year.
- Premiums increase with age in most cases.
�� Plan G is often the best value for comprehensive coverage, especially for new Medicare enrollees.
Final Thoughts: Should You Get Plan G?
- If you want full coverage (except for the Part B deductible), Plan G is the best choice.
- If you’re comparing Plan F vs. Plan G, Plan G usually saves you money because Plan F has higher premiums.
- If you are healthy and want lower premiums, you might also consider Plan N (which has small copays but does not cover Part B excess charges).
Would you like help comparing Plan G rates in your area? ��
