Medigap
Plan G
The most popular Medigap plan for new enrollees. Covers nearly all Part A & B cost sharing except the annual Part B deductible ($283 in 2026).
The quick version
If you only read one thing, read this
- 1
Covers Part A deductible, Part A/B coinsurance, blood, SNF coinsurance, Part B excess charges, and foreign travel emergency. Does not cover Part B deductible.
- 2
Monthly premium (typically $120–$180) + Part B premium ($202.90 in 2026) + Part B deductible ($283 in 2026), then virtually zero additional costs.
- 3
Guaranteed issue during your 6-month Medigap OEP (starts when Part B begins) or qualifying events; medical underwriting applies outside those windows.
The details
The stuff that matters, one piece at a time
Benefits
Covers Part A deductible, Part A/B coinsurance, blood, SNF coinsurance, Part B excess charges, and foreign travel emergency. Does not cover Part B deductible.
What it costs
Show me the money
- Monthly Premium Range
- $120–$180 USDMost popular new-enrollee plan; varies by age/zip/carrier
- Part B Premium (2026)
- $202.90 USDStandard; IRMAA surcharges may apply
- Part B Deductible
- $283/yrPlan G does not cover Part B deductible
- Part B Excess Charges
- CoveredUp to 15% above Medicare-approved amount
- Est. Annual Total Cost
- $3,900–$5,200Plan premium + Part B premium + $283 deductible
The honest take
What's good, and where it falls short
The good stuff
- Near-complete cost protection. Only the $283 Part B deductible is left
- Covers Part B excess charges
- Most popular Medigap plan for new enrollees
The catch
- Higher premium than Plan N ($30–$50 more/month typically)
- No drug, dental, or vision coverage
- Premiums can rise annually
Head to head
Plan G vs. Plan N
Plan G pays more at point of service; Plan N has lower premiums.
Buyer beware
The mistakes that cost folks the most
Missing the 6-month Medigap OEP. Underwriting outside this window can mean higher rates or denial
Not comparing carrier premiums. Plan G benefits are identical across carriers, but pricing varies a lot
Assuming Plan G is all-inclusive. You still need Part D for drugs and separate dental/vision
Common questions
What folks ask us most
Keep learning
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The Insurance Hawk
Ready to put Plan G to work?
See the plans and the prices. Or talk it through with a licensed agent who works for you, not the insurance company.