Medicare Supplement Plan G is the most popular Medigap plan for people new to Medicare, and its benefits are easy to understand. You pay one small deductible each year, and Plan G covers the rest of your Medicare-approved costs.
There is no network. You can see any doctor, specialist or hospital in the country that accepts Medicare, and your Plan G goes with you. It remains one of the most popular Medicare Supplement plans for 2027.
Key Takeaway
Plan G is the most complete Medigap plan you can buy if you became eligible for Medicare in 2020 or later. Its only out-of-pocket cost is the Part B deductible, and since every company’s Plan G is identical, the price you pay is the only thing worth shopping.
Plan G 2027 at a glance
What Is Medicare Supplement Plan G?
Medigap Plan G (sometimes called Medicare Part G) is a standardized Medicare Supplement plan sold by private insurance companies. It works alongside Original Medicare (Parts A and B) and pays most of the costs Medicare leaves behind.
Plan G is the most complete plan available to anyone who became eligible for Medicare on or after January 1, 2020. Plan F covers slightly more but is closed to new enrollees, and many people who could buy Plan F choose Plan G anyway because of its lower premiums.
What Does Medicare Supplement Plan G Cover?
Here is everything Plan G pays after Original Medicare pays its share:
| Benefit | What Plan G Pays |
|---|---|
| Part A deductible | 100%. It is $1,736 per benefit period in 2026, with the 2027 amount announced in November. |
| Hospital coinsurance | 100%, plus up to 365 extra hospital days after Medicare benefits run out |
| Skilled nursing coinsurance | 100% of days 21 to 100, which cost $217 a day in 2026 without a supplement |
| Hospice coinsurance | 100% of Part A hospice coinsurance and copays |
| Part B coinsurance | 100% of Part B coinsurance and copays after the Part B deductible |
| Part B excess charges | 100% of what doctors who don’t accept assignment can charge above the Medicare rate, up to 15% |
| Blood | The first three pints each year |
| Foreign travel emergency | 80% after a $250 yearly deductible, up to plan limits |
What Medigap Plan G Does Not Cover
Consumer reviews of Plan G are strong because its medical coverage is so complete.
Plan G and the Part B Deductible in 2027
Before Medicare Part B pays any bills, you pay the annual Part B deductible. It’s once per year, not per visit, and it resets every January. After you meet it, Medicare pays 80% of approved costs and Plan G pays the other 20%, with no limit.
$283
~$292 projected
$3,050
Preventive care stays free: Medicare covers your yearly wellness visit and most recommended screenings and vaccines at no cost, so routine preventive care doesn’t count toward the deductible.
Medicare announces the final 2027 Part B deductible in November, and we’ll update this page when it’s released. The 2027 high-deductible Plan G amount is already set at $3,050, up from $2,950 in 2026.
How Medicare Plan G Works
Plan G is the most popular plan for people new to Medicare, and it will likely stay that way for years. It works anywhere in the U.S. with any provider that accepts Medicare. To buy it, you must be enrolled in both Medicare Part A and Part B.
When You Can Buy Plan G With No Health Questions
Good to know: Outside these windows, most states let insurance companies use medical underwriting, so apply while you are protected.
Every Plan G Is the Same, But Prices Are Not
Many insurance companies sell Plan G, and federal law requires every one of them to offer identical benefits. What they don’t share is price. Each company charges a different rate for the exact same policy, and most raise rates over time.
The difference for Plan G can be more than $100 a month between companies, and prices vary by location too. A Plan G policy in Tucson, Arizona, usually costs much less than one in New York City.
Same Benefits
A Plan G from Mutual of Omaha, Aetna or any other company covers exactly the same things.
Different Prices
Your age, gender, ZIP code, tobacco use, and household discounts all change the premium.
Free Comparison
We shop Plan G rates from the top companies in your area every year at no cost to you.
Comparing Plan G from every company yourself means calling each one and talking to an agent who only sells their own plan. We’ve helped thousands of people pay the least possible for Plan G, and they never pay us a dime. Call us at 1-888-891-0229.
Medicare Supplement Plan G Cost in 2027
With Plan G you pay a monthly premium plus the Part B deductible each year. Your premium depends on your age, ZIP code, gender, tobacco use, and any household discount, and several companies offer household discounts that can lower it. Enter your ZIP code below to see accurate Plan G rates from top companies in your area.
Plan G vs Plan N
| Feature | Plan G | Plan N |
|---|---|---|
| Office visit copays | None | Up to $20 for some visits |
| ER copays | None | Up to $50 if not admitted |
| Part B excess charges | Covered | Not covered |
| Premium | Higher | Lower |
See the full breakdown in our Plan G vs Plan N comparison.
The Bottom Line
Plan G is the most complete Medigap plan for new enrollees in 2027, with just the Part B deductible to pay. Every company’s Plan G is identical, so the right one is the one with the best price and rate history in your ZIP code. Compare rates on this page or call 1-888-891-0229, and we’ll shop every top company for you at no cost.
Frequently Asked Questions About Medicare Plan G
➤ What is Medicare Supplement Plan G?
Medicare Supplement Plan G is a standardized Medigap plan sold by private insurance companies that works alongside Original Medicare. It is the most complete plan available to anyone who became eligible for Medicare on or after January 1, 2020, and it leaves you only the Part B deductible.
➤ What does Medicare Supplement Plan G cover?
Plan G covers the Part A deductible, hospital coinsurance plus 365 extra hospital days, skilled nursing and hospice coinsurance, Part B coinsurance, Part B excess charges, the first three pints of blood and 80% of foreign travel emergency care. After the Part B deductible, it pays your share of Medicare-approved costs for the rest of the year.
➤ Is there a deductible with Medicare Supplement Plan G?
Yes. You pay the Medicare Part B deductible each year, which is $283 in 2026 and projected at about $292 for 2027, with the final amount announced in November. The deductible resets every January.
➤ What is high-deductible Plan G?
High-deductible Plan G has the same benefits as Plan G, but you pay Medicare-covered costs up to a yearly deductible before it pays. CMS set that deductible at $3,050 for 2027, up from $2,950 in 2026, and the premium is much lower than standard Plan G.
➤ How much does Medigap Plan G cost?
Your Plan G premium depends on your age, gender, ZIP code, tobacco use, and any household discount. Every company charges a different price for the same Plan G, so comparing companies in your ZIP code is the best way to avoid overpaying.
➤ Who is eligible for Medicare Supplement Plan G?
You must be enrolled in Medicare Part A and Part B. During your 6-month Medigap Open Enrollment Period or with a guaranteed issue right, you cannot be turned down; outside those windows, most states let companies use medical underwriting.
➤ Can I switch from Medicare Advantage to Medicare Supplement Plan G?
Yes. You can return to Original Medicare during the Annual Enrollment Period or the Medicare Advantage Open Enrollment Period and then apply for Plan G. If your Medicare Advantage plan is ending for 2027, or you are in your first 12 months of Medicare Advantage, you may have a guaranteed issue right; otherwise most states allow medical underwriting.
➤ Is Medicare Plan G better than Plan N?
Plan G gives more complete coverage, while Plan N has a lower premium in exchange for copays of up to $20 for some office visits and up to $50 for ER visits that do not end in admission, plus no coverage for Part B excess charges. Plan N is worth a look if you are relatively healthy.
➤ Can I use any doctor or hospital with Plan G?
Yes. You can use any doctor or hospital in the U.S. that accepts Medicare, with no network, no primary care doctor requirement, and no referrals to see a specialist.
➤ Does Medicare Plan G cover prescription drugs or dental?
No. Plan G does not cover prescription drugs or routine dental, vision or hearing. You need a separate Medicare Part D plan for drugs, and separate dental, vision, and hearing plans are available.
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.