Medigap Plan G is an additional insurance product that helps pay for the majority of “gaps” left in Original Medicare’s coverage. Plan G is currently Senior65’s most popular Medigap plan in terms of enrollment, but what exactly does it cover?
What does Medigap G Cover?
Medigap Plan G covers all of the coinsurance required by Original Medicare. These are the “gaps” that Medicare expects patients to pay. For example, Medicare often will only pay for 80% of a procedure and require patients to pay the remaining 20% in the form of coinsurance. A Medigap G will pay that 20% coinsurance to “fill in the gap” not covered by Medicare.
Medicare also requires deductibles for hospital visits. In 2024 Medicare requires patients to pay $1,676 every time they go to the hospital after a 60-day period. Medigap Plan G will pay this deductible no matter which insurance company you enroll with.
Plan G also pays for some additional benefits not covered by Medicare such as an additional 365 hospital days, Part B excess charges (when doctors legally charge up to 15% more than Medicare’s assignment rate), and foreign travel emergency healthcare.
Here is a more in-depth overview of what Medigap Plan G covers:
| Benefits | Original Medicare Costs | Medigap Plan G (Supplemental) |
|---|---|---|
| Doctor and Hospital Network | Nationwide network of doctors and hospitals that accept Medicare assignment | Nationwide network of doctors and hospitals that accept Medicare assignment |
| Part A Hospital Deductible | $1,676 for each 60-day benefit period* | You Pay $0 |
| Hospital Days 60-90 | $419 per day | You Pay $0 |
| Hospital Lifetime Reserve Days After Day 90 | $838 per day (max of 60 days) | You Pay $0 PLUS get an extra 365 days |
| First 3 Pints of Blood for a Transfusion | 100% | You Pay $0 |
| Medicare Part B Deductible | $257 | You Pay $257 |
| Medicare Part B Copays/Coinsurance | 20% | You Pay $0 |
| Medicare Part B Excess Charges | 100% | You Pay $0 |
| Foreign Emergency Healthcare | 100% | You Pay 20% (max coverage $50k) |
Get a Medigap Quote Enroll in Medigap
A recent change in policy allows Medicare Part B to cover some acupuncture and chiropractic care so Medigap Plan G covers acupuncture and chiropractice coinsurance too!
What doesn’t Medigap G cover?
Medigap Plan G doesn’t cover the following benefits.
What is Medigap Plan G Innovative, Plus and Extra?
Medigap Plans in a few states can add additional coverage such as hearing and vision benefits. A few of these states: California, Nevada, and Illinois.
California Medigap offers plans with additional benefits: Medigap G Innovative and G Extra. They cover everything that Plan G covers and may include vision and hearing. Read our Ultimate Guide to Medigap plans with Extra benefits.
Next Steps
If you’re ready to enroll in a Medigap plan, call one of our licensed agents at 800-930-7956. Our agents can NEVER charge a fee to get you a quote or enroll you in a plan.
Remember: Choosing a Medigap plan isn’t easy, and sometimes it just doesn’t pan out. That’s where Senior65.com comes in. We’ll help you see if your state’s Birthday Rule lets you switch plans easily—or, if underwriting is required, we’ll show you your chances ahead of time with our Instant Medigap Underwriting Checker. Whatever the case, we’ll help you find your next step.