What Plan G covers
- Part A hospital coinsurance and hospital costs for 365 extra days after Medicare runs out
- The Part A deductible
- Part B coinsurance (usually 20%)
- Part B excess charges, when a doctor charges more than Medicare's approved amount
- Skilled nursing coinsurance, hospice coinsurance, the first 3 pints of blood
- 80% of emergency care abroad after a $250 yearly deductible, up to plan limits
Not covered: the Part B deductible ($283 in 2026), long-term care (non-skilled nursing home care), prescription drugs (join a Part D plan), dental, vision and hearing aids.
How insurers set the price
| Pricing method | How it works | Over time |
|---|---|---|
| Community-rated (no age rating) | Same premium for everyone, whatever your age | Can rise with inflation, not with your age |
| Issue-age-rated | Based on your age when you buy | Doesn't go up because you get older |
| Attained-age-rated | Based on your current age | Goes up as you age; may be cheapest at first but can become the most expensive |
Not every state allows all three. Premiums can also rise for inflation under any method. Ask each insurer which method it uses: a low price at 65 can become a high one later.
High-deductible Plan G
Some states offer a high-deductible Plan G. You pay Medicare-covered costs, including the Part B deductible, up to a yearly deductible of $3,050 in 2027 ($2,950 in 2026); then the plan pays the rest of Medicare's cost-sharing for the year. Premiums are usually lower. It's open to people newly eligible for Medicare on or after January 1, 2020.
Where to find real prices
- Medicare.gov's Medigap search shows estimated costs by ZIP code; ask insurers for exact prices.
- Your state insurance department often publishes a Medigap rate guide.
- Your State Health Insurance Assistance Program (SHIP) gives free, unbiased help.
Buy during your 6-month Medigap Open Enrollment to get the best price regardless of your health. Compare: Medicare Advantage vs Medigap.
Questions
How much does Medigap Plan G cost?
There's no single price. Each insurer sets its own premium by state, ZIP code, age, sex, tobacco use and pricing method, and the same Plan G can cost very different amounts from one insurer to another. See estimated costs for your ZIP code with Medicare.gov's Medigap search, then get exact prices from insurers or your state insurance department.
What does Plan G not cover?
The Part B deductible ($283 in 2026). After that, Plan G covers the rest of Original Medicare's cost-sharing, including Part B excess charges. Like all Medigap plans sold today, it doesn't cover prescription drugs.
What is high-deductible Plan G?
A version of Plan G with a yearly deductible of $3,050 in 2027 ($2,950 in 2026) before the plan pays. Premiums are usually lower. It's available in some states to people newly eligible for Medicare on or after January 1, 2020.
Updated November 6, 2026. Sources: Medicare.gov, Choosing a Medigap Policy (official guide); Medicare.gov, Compare Medigap Plan Benefits; CMS, Deductible Amount for Medigap High Deductible Options F, G and J (CY 2027); CMS, 2026 Medicare Parts A & B Premiums and Deductibles. General information, not insurance advice. We don't sell insurance.