Confusion of Medicare Part G
Many individuals searching for “Medicare Part G Plans” may not realize that there is no such thing as a Medicare Part G. Instead, the correct term is Medicare Plan G, which refers to a Medicare Supplement Insurance plan (also called Medigap Plan G). This plan helps cover “gaps” left by Original Medicare (Part A and Part B).
Let’s clear up the confusion around “Medicare Part G Plans” and explore Medicare Plan G, its benefits, coverage, costs, and why it is a popular choice among Medicare beneficiaries.
Why “Medicare Part G Plans” Is Incorrect
Medicare is divided into four primary parts:
- Part A – Hospital Insurance.
- Part B – Medical Insurance.
- Part C – Medicare Advantage Plans (an alternative to Original Medicare).
- Part D – Prescription Drug Coverage.
There is no such thing as Medicare Part G. However, there is a Medicare Supplement Plan G, often mistakenly referred to as “Part G.” Medicare Plan G is one of several Medigap plans designed to work alongside Original Medicare to help pay for out-of-pocket costs like deductibles, coinsurance, and copayments.
Now that we’ve clarified the term, let’s take a closer look at Medicare Plan G.
What Is Medicare Supplement Plan G?
Medicare Plan G is a type of Medigap policy that fills coverage gaps in Original Medicare (Parts A and B). It’s often considered one of the most comprehensive plans available to new Medicare enrollees.
If you’re looking for maximum coverage without excessive out-of-pocket expenses, Plan G could be a great fit. It is often viewed as a replacement for Plan F, which is no longer available to individuals who became eligible for Medicare after January 1, 2020.
What Does Plan G Cover?
Medicare Plan G provides extensive coverage for Medicare-approved expenses, including:
- Medicare Part A Coinsurance and hospital costs for up to 365 days after Medicare benefits are exhausted.
- Medicare Part A Deductible (which can otherwise be a significant out-of-pocket cost).
- Skilled Nursing Facility Coinsurance.
- Medicare Part B Coinsurance or Copayment (usually 20% of the cost of approved services).
- Part B Excess Charges (costs above what Medicare allows, if permitted by providers).
- Blood (covers the first three pints of blood each year).
- Hospice Care Coinsurance under Part A.
- Foreign Travel Emergency Care (up to plan limits).
High-Deductible Medicare Plan G Option
Medicare Supplement Plan G also has a high-deductible version for those looking to save on monthly premiums. With this option:
- You must pay $2,800 in deductible costs for 2024 before Plan G begins paying benefits.
- Monthly premiums are typically much lower compared to standard Plan G coverage.
This high-deductible option can be cost-effective if you’re generally healthy and don’t expect significant medical expenses.
Pros and Cons of Medicare Plan G
Pros
- Comprehensive Coverage: Plan G is the most robust Medigap option for new enrollees, covering almost all Medicare-related costs.
- Excess Charges Protection: Plan G pays for Medicare Part B excess charges, which can arise when providers bill above Medicare-approved rates.
- Predictable Costs: With lower out-of-pocket expenses, Plan G provides peace of mind for beneficiaries concerned about unexpected bills.
Cons
- Higher Premiums: Because Plan G offers extensive coverage, premiums are often higher than other Medigap plans.
- Doesn’t Cover Part B Deductible: Plan G does not cover the annual Medicare Part B deductible ($257 in 2025).
- Alternative Plans May Be Cheaper: Plans like Plan N or Plan D may provide sufficient coverage at a lower cost, depending on your healthcare needs.
Medicare Plan G vs. Plan N
If you’re choosing between Plan G and Plan N, here’s what you need to know:
- Plan N has lower monthly premiums than Plan G but includes copayments for doctor visits and emergency room visits.
- If you don’t frequently visit the doctor or need emergency care, Plan N could save you money compared to Plan G.
- Plan G offers more comprehensive coverage by including Part B excess charges, which Plan N does not cover.
How Much Does Medicare Plan G Cost?
The cost of Medicare Supplement Plan G varies based on:
- Age
- Location
- Tobacco Use
- Gender
On average, premiums for a 65-year-old non-smoking female range from $119 to $321 per month, depending on the state and insurance provider.
For those choosing the high-deductible Plan G, monthly premiums can range from $42 to $76. While this option requires higher upfront out-of-pocket spending, it’s ideal for beneficiaries who prioritize lower monthly costs.
When Should You Enroll in Plan G?
The best time to buy Medicare Plan G is during your Medigap Open Enrollment Period:
- This period starts when you’re 65 or older and enrolled in Medicare Part B.
- It lasts for six months.
During this time, insurance companies cannot deny you coverage or charge higher premiums based on your health. If you miss this window, you may face higher costs or difficulty securing coverage later.
Is Medicare Plan G Right for You?
Medicare Plan G is ideal for beneficiaries who want comprehensive coverage and predictability in healthcare expenses. While the premiums are higher than some other Medigap plans, Plan G’s extensive benefits—including Part B excess charges and foreign travel emergency coverage—make it a top choice for many Medicare enrollees.
If you’re comparing “Medicare Part G Plans” and are unsure about your options, remember: Medicare Part G doesn’t exist, but Medicare Supplement Plan G offers maximum coverage and financial peace of mind.
To find the best Medicare Plan G policy for your needs, consult trusted insurance providers or use Medicare’s Plan Finder tool.