Plan G is a lot like Plan F, in that they both offer comprehensive coverage and are among the most robust Medigap offerings, but Plan G requires the beneficiary to pay the Part B deductible out-of-pocket.  In 2025, the standard Part B deductible amount is $257, and once you've met the deductible you have 100% coverage.

Plan G is not the most popular plan and not all companies offer it.  Some companies determined that the profit margin is is not high enough to offer the plan.  What that means is that they don't make enough money off of you so they don't want to offer it.  They are looking out for themselves and not the client.

The Following is a list of costs and benefits covered by Medicare Supplement Plan G:

Medicare Part A hospital coinsurance and all costs up to 365 days after Original Medicare benefits are exhausted
Part A hospice care coinsurance or copayment
Part A deductible covered at 100% ($1,676 in 2025, per benefit period)
Medicare Part B preventative care coinsurance coverage at 100%
Part B coinsurance or copayment coverage at 100%
Part B excess charges at 100%
Skilled Nursing Facility (SNF) care coinsurance coverage
Foreign travel emergency coverage

Plan G is typically better than Plan F for most situations. The only difference between Plan F and Plan G is that Plan G requires the beneficiary to pay the Part B deductible out-of-pocket (currently $257 in 2025), while Plan F covers it. However, Plan F premiums are typically 20-30% higher than Plan G, meaning you often pay more through premiums for Plan F than you would by simply paying the Part B deductible with Plan G. This also leads to lower rate increases for Plan G over time. We recommend the plan that is best for your situation, which is typically Plan G.

Here is a chart of all the plans side by side for you to compare:

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