Plan G
The most popular Medicare Supplement plan for new enrollees. Covers nearly all Part A & B cost sharing except the annual Part B deductible.
What it covers
- What it pays for
- 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.
- How it works
- Works with any doctor or hospital that accepts Medicare nationwide; no network restrictions or referrals.
- Who can get it, and when
- During your 6-month Medigap Open Enrollment Period, which starts when Part B begins, or after a qualifying event, no carrier can deny you or charge more due to health conditions; medical underwriting applies outside those windows.
What it costs
A monthly premium, plus the Part B premium and the yearly Part B deductible, then almost nothing more for covered care.
Hawkins Insurance Group, LLC is not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
What is good about it
- The most popular Medicare Supplement plan for new enrollees
The catch
- Higher premium than Plan N
- No drug, dental, or vision coverage
- Premiums can rise annually
Plan G and Plan N
| What is compared | Plan G | Plan N |
|---|---|---|
| Monthly premium | Higher | Lower |
| Part B excess charges | Covered | Not covered |
| Office visit copay | None | A small copay |
| ER copay (not admitted) | None | A small copay |
Mistakes to avoid
- Not comparing carrier premiums. Plan G benefits are identical across carriers, but pricing varies a lot
Common questions
- It covers nearly everything except the annual Part B deductible. The premium savings versus Plan F usually far exceed that deductible.
- If a doctor does not accept Medicare assignment, they can charge up to 15% above the approved amount. Plan G covers these; Plan N does not.
- If you rarely visit doctors and want a lower premium, Plan N can save you money each month. But factor in its copays and excess charge exposure.
Keep learning
Other coverage to explore