Medicare Supplement Plan G is a type of Medigap insurance that covers the gaps in Original Medicare coverage, such as coinsurance, copayments, and deductibles that are not covered by Medicare Part A and Part B. Plan G includes all the benefits of Medicare Supplement Plans A, B, and C, except for the Medicare Part B deductible. It is a good fit for people who want some coverage for hospitalization but are willing to pay the Medicare Part B deductible on their own. Plan G also covers 100% of Medicare Part B excess charges, which may help protect you from additional out-of-pocket expenses if you need treatment that exceeds what Medicare will approve.

Plan G is very similar to Plan F, which is no longer available for people new to Medicare on or after January 1, 2020. After paying a small annual deductible, Plan G provides full coverage for all of the gaps in Medicare, including the 20% that Medicare Part B doesn’t cover. Doctors and other healthcare providers must accept a Medigap Plan G if they accept Original Medicare, and Plan G policies can be used across the U.S. since they do not have network limitations.

In summary, Medicare Supplement Plan G is a type of Medigap insurance that covers the gaps in Original Medicare coverage, except for the Medicare Part B deductible. It is a good fit for people who want some coverage for hospitalization but are willing to pay the Medicare Part B deductible on their own. Plan G also covers 100% of Medicare Part B excess charges, and it provides full coverage for all of the gaps in Medicare after paying a small annual deductible.