by Russell Noga | Updated October 6th, 2026
Medicare Plan G Plus
Looking for a Medicare Supplement plan that does more than basic Plan G? Medicare Plan G Plus is a Medicare Supplement plan from Blue Cross and Blue Shield that pairs the full medical coverage of Plan G with extra benefits like dental, vision, hearing and fitness.
In this guide you will learn what Plan G Plus adds, where it is sold, how it compares with standard Medicare Plan G, and how to decide if it is worth it for 2027.
New for 2027
See the new 2027 deductibles, every plan compared and Plan G vs Plan N in our guide to Medicare Supplement Plans 2027.
Short Summary
- Plan G Plus is sold by the Blue Cross and Blue Shield companies in Illinois, Montana, New Mexico, Oklahoma and Texas. It is not available in other states.
- It has the same medical coverage as Plan G, plus preventive and restorative dental care, routine eye exams, hearing aid savings and SilverSneakers fitness, for a higher premium.
- During your Medigap Open Enrollment Period, or with a guaranteed issue right, you cannot be turned down because of your health.
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Understanding Medicare Plan G Plus
Plan G Plus is a Blue Cross and Blue Shield Medicare Supplement plan that adds extra benefits on top of standard Plan G, including:
- Preventive and restorative dental care
- Routine eye exams
- Routine hearing exams and savings on hearing aids
- SilverSneakers fitness access
For medical costs, Plan G Plus covers the same things as Plan G: hospital and skilled nursing coinsurance, the Part A deductible, Part B coinsurance for doctor visits, therapy and tests, and Part B excess charges. Like Plan G, you pay the Part B deductible ($283 in 2026).
Blue Cross created Plan G Plus because many seniors wanted Medigap’s freedom to see any doctor, plus the dental, vision and fitness extras they see advertised with Medicare Advantage.
What is Plan G Plus?
Plan G Plus is standard Medigap Plan G with extra benefits built in:
- Dental coverage
- Vision coverage
- Hearing coverage
- Fitness coverage
These extras come with a higher premium than standard Plan G.
Your medical coverage is exactly the same as Plan G, so you are not giving anything up to get the extras. Benefit details, such as dental cost-sharing and hearing aid prices, vary by state, so review the plan documents for your state.
Some states also offer versions such as Plan G Plus High Deductible and Plan G Plus Select, which lower the premium in exchange for a deductible or network hospitals.
Eligibility Criteria
To buy Plan G Plus, you must be enrolled in Medicare Part A and Part B and live in a state where it is sold: Illinois, Montana, New Mexico, Oklahoma or Texas. Most buyers are 65 or older. People under 65 on Medicare due to disability may qualify depending on state rules.
If you live in another state, standard Plan G is sold everywhere, and some Blue Cross companies offer optional dental, vision and hearing add-ons for an extra cost.
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Benefits of Plan G Plus
Plan G Plus stands out from other Medicare Supplement plans by bundling extras that standard Medigap plans do not include:
- Full Plan G medical coverage
- Freedom to see any doctor or hospital in the U.S. that accepts Medicare, with no network
- Dental, vision and hearing benefits
- SilverSneakers fitness access
Whether the extras save you money depends on how much dental, vision and hearing care you use compared with the added premium. Plan G Plus keeps all the benefits of Plan G while adding these perks.
From dental and vision care to hearing aids and fitness, Plan G Plus adds services that standard Plan G does not cover. Here is a closer look.
Dental Coverage
Plan G Plus includes preventive and restorative dental care, which may include:
- Exams and cleanings
- Dental X-rays
- Restorative services, such as fillings and extractions, at a share of the cost
Exact coverage percentages and limits vary by state, so check the dental schedule for your state before you buy.
Vision and Hearing Coverage
Plan G Plus adds vision and hearing benefits that standard Medigap plans do not cover.
The plan includes:
- Routine eye exams
- Routine hearing exams
- Access to advanced and premium hearing aids at a set member price per aid
These benefits can save money for people who need regular eye care or are shopping for hearing aids.
Fitness Access
Staying active is vital for health, especially as we age.
Plan G Plus includes the SilverSneakers® fitness program, with access to thousands of participating gyms and fitness centers nationwide, group classes and online workouts.
It is one of the main reasons people choose Plan G Plus over standard Plan G.
Comparing Plan G Plus with Other Medicare Supplement Plans
When choosing a Medicare Supplement plan, compare your options to find the plan that best meets your needs and budget.The main comparisons are Plan G Plus vs. standard Plan G, and Plan G Plus vs. Medicare Advantage.
Plan G vs. Plan G Plus
Plan G and Plan G Plus have identical medical coverage.
The difference is that Plan G Plus adds benefits beyond what Plan G covers, including:
- Dental coverage
- Hearing coverage
- Vision coverage
- Fitness coverage
Plan G Plus costs more each month. If you will use the dental, vision, hearing or fitness benefits, the extras may be worth it. If not, standard Plan G, possibly from a lower-priced company, may be the better value.
Plan G Plus vs. Medicare Advantage
Medicare Advantage plans are an alternative way to get your Medicare benefits through a private plan.
They often include drug coverage and extras like dental and vision, with low premiums, but usually require a provider network and charge copays when you use care.
Plan G Plus gives you:
- Dental
- Hearing
- Vision
- Fitness access
All of that comes with Medigap’s freedom to see any provider that accepts Medicare and very predictable medical costs. You will still need a separate Part D plan for prescriptions.
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Enrollment Periods and Guaranteed Eligibility
Knowing when you can enroll without health questions matters most when choosing Plan G Plus.
Your Medigap Open Enrollment Period is the six months starting the first day of the month you are both 65 or older and enrolled in Part B.
During this time you cannot be turned down, given waiting conditions, or charged more because of your health status, claims history or medical conditions.
Enrollment Periods
Your Open Enrollment window begins once you are 65 or older and enrolled in Medicare Part B, and lasts six months.
That gives you time to compare plans and decide whether the extras in Plan G Plus are worth the added premium.
Medigap does not have an annual enrollment window like Medicare Advantage. You can apply for Plan G Plus any time of year, but outside your Open Enrollment Period or a guaranteed issue right, you may need to answer health questions.
Guaranteed Eligibility
You have guaranteed eligibility for Plan G Plus during your Open Enrollment Period and when you have a guaranteed issue right.
That means you cannot be denied coverage, given conditions, or face pricing based on your health status, claims history or medical conditions.
Losing your Medicare Advantage plan for 2027? If your plan is leaving Medicare or stops serving your area, you generally have a guaranteed issue right to buy Plan G, for most people, without medical underwriting, until 63 days after your Medicare Advantage coverage ends.
Premium Discounts
Some Plan G Plus members may qualify for premium discounts, such as a discount for people who already have Blue Cross and Blue Shield coverage through an employer or individual plan.
Discounts vary by state and help offset the cost of the extra benefits.
Contact us for personalized rates and to see which discounts you qualify for.
Navigating Plan G Plus with Blue Cross and Blue Shield
Plan G Plus is offered by Blue Cross and Blue Shield companies operated by Health Care Service Corporation, a mutual legal reserve company, in Illinois, Montana, New Mexico, Oklahoma and Texas.
Members also get tools such as a 24/7 nurse line and, in some states, a lower-cost Select option.
Medicare Select Option
Some states offer a Select version of Plan G Plus. Select plans cost less, but you must use the plan’s network hospitals for non-emergency hospital care to get full benefits.
Doctor visits and emergency care are not restricted. If you live near a participating hospital and are comfortable using it, the Select option can lower your premium. Availability and rules vary by state.
Support and Resources
Blue Cross and Blue Shield offers support and resources for Plan G Plus members.
One is the 24/7 nurse line, which gives you access to a registered nurse by phone for health questions.
Members can also use Blue Cross online member accounts to:
- View plan benefits
- Access member resources and discounts
- Stay informed about coverage
- Manage billing and plan details
Summary
Plan G Plus is a Blue Cross and Blue Shield Medicare Supplement plan, sold in Illinois, Montana, New Mexico, Oklahoma and Texas, that combines full Plan G medical coverage with dental, vision, hearing and fitness benefits.
It costs more than standard Plan G, so it is the right choice if you will use the extras. If you will not, standard Plan G from the lowest-priced company in your area may be the better value.
Compare Plan G Plus with standard Plan G from other top companies before you decide. We will do the comparison for you, free.
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Frequently Asked Questions
What is the difference between Plan G and Plan G Plus?
Plan G and Plan G Plus have identical medical coverage. Plan G Plus, sold by Blue Cross and Blue Shield in Illinois, Montana, New Mexico, Oklahoma and Texas, adds dental, vision and hearing benefits plus SilverSneakers fitness, for a higher premium.
Where is Plan G Plus available?
Plan G Plus is sold by the Blue Cross and Blue Shield companies in Illinois, Montana, New Mexico, Oklahoma and Texas. If you live elsewhere, standard Plan G is available, and some Blue Cross companies sell optional dental, vision and hearing add-ons.
Is Medicare Plan G any good?
Medicare Plan G offers comprehensive coverage and is the most complete Medigap plan available to people new to Medicare, covering almost everything except the Part B deductible. It is a great choice for people who want predictable costs.
What does Plan G not cover?
Standard Plan G does not cover the Part B deductible, prescription drugs, routine dental, vision or hearing care, or long-term custodial care. It does cover skilled nursing facility coinsurance. Plan G Plus adds dental, vision and hearing benefits, but you still need a separate Part D plan for prescriptions.
When can I enroll in Plan G Plus?
The best time is your Medigap Open Enrollment Period, the six months starting the first day of the month you are both 65 or older and enrolled in Part B. You can also enroll without health questions with a guaranteed issue right, such as when your Medicare Advantage plan is ending. Outside those windows you can still apply any time of year, but you may need to answer health questions.
Find the Right Medicare Plan for You
Finding the right Medicare Supplement plan for 2027 doesn’t have to be confusing. Whether it’s a Medigap plan or you have questions about Medicare Plan G Plus, we can help.
Call us today at 1-888-891-0229 and one of our knowledgeable, licensed insurance agents will be happy to assist you!
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.