Plan G helps pay nearly all of the Medicare-approved costs left behind by Original Medicare, except the annual Part B deductible. Compare what it covers, what it costs, and how it fits your situation before you check rates in your ZIP code.
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Predictable costs after you meet one annual deductible.
The one amount standard Plan G doesn't cover in 2026.
See any doctor or hospital that accepts Medicare, nationwide.
Plan G is sometimes called the "better value" alternative to Plan F because it covers nearly the same benefits. When the annual premium savings with Plan G exceed the Part B deductible, Plan G may produce a lower combined annual cost.
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Coverage Breakdown
Plan G benefits are standardized in most states. Massachusetts, Minnesota, and Wisconsin standardize Medicare Supplement plans differently. Coverage is also guaranteed renewable — once your policy is issued, the insurance company generally cannot cancel it because your health changes, as long as you pay the premium and follow the policy terms.
Coverage information and 2026 deductible figures are based on Medicare.gov's Medigap benefit comparison. Benefits and amounts may change in future years.
See how Plan G helps lower your out-of-pocket costs under Medicare Parts A and B, benefit by benefit.
How Medicare and Plan G pay / What you pay
| Part A inpatient hospital deductible ($1,736 in 2026) | Plan G pays the 2026 deductible of $1,736. You pay $0. |
|---|---|
| Hospital days 1–60 | Medicare covers the stay after the deductible; Plan G covers the Part A deductible. You pay $0 for covered hospital cost sharing. |
| Hospital days 61–90 | Plan G pays the daily Part A coinsurance of $434 in 2026. You pay $0. |
| Lifetime reserve days 91–150 | Plan G pays the daily Part A coinsurance of $868 in 2026. You pay $0. |
| Additional hospital coverage | Plan G covers up to 365 additional lifetime days after Medicare benefits are exhausted. You pay $0 for eligible covered expenses. |
| Skilled nursing facility days 1–20 | Medicare generally pays 100%. You pay $0. |
| Skilled nursing facility days 21–100 | Plan G pays the Medicare coinsurance, up to $217 per day in 2026. You pay $0. |
| Skilled nursing facility after day 100 | Original Medicare coverage generally ends after day 100 in a benefit period. You are responsible for all costs after that unless another form of coverage applies. |
| Hospice care | Plan G pays the Part A hospice copayment or coinsurance. You pay $0 for covered cost sharing. |
| First three pints of blood | Plan G covers the first three pints when needed. You pay $0. |
How Medicare and Plan G pay / What you pay
| Annual Part B deductible ($283 in 2026) | Plan G pays $0. You pay $283. |
|---|---|
| Doctor and outpatient services after the deductible | Medicare generally pays 80%; Plan G pays the remaining 20% Medicare coinsurance. You pay $0 for covered cost sharing. |
| Emergency medical services after the deductible | Medicare generally pays 80%; Plan G pays the remaining Medicare coinsurance. You pay $0 for covered cost sharing. |
| Part B excess charges | Plan G pays covered excess charges. You pay $0. |
| Durable medical equipment after the deductible | Medicare generally pays 80%; Plan G pays the remaining 20%. You pay $0 for covered cost sharing. |
| Diagnostic laboratory tests | Medicare generally pays 100% for covered tests. You pay $0. |
| Home health services | Medicare generally pays 100% for covered services; Plan G pays applicable covered cost sharing. Usually $0. |
| First three pints of blood | Plan G covers the first three pints. You pay $0. |
What You'll Pay
There is no single Medicare Plan G price nationwide. Premiums vary by ZIP code, insurance company, age, tobacco use, discounts, and state rating rules. In our August 2026 review of nine sample ZIP codes, the lowest displayed Plan G rates for a 65-year-old female non-tobacco applicant ranged from $113.32 to $200.58 per month.
Because every company sells the same standardized Plan G benefits, comparing the same coverage across several insurers is one of the only ways to find a meaningful price difference. What isn't standardized is how each company prices that coverage. Insurance companies use different rating methods: community-rated plans charge the same premium regardless of age, issue-age-rated plans base your premium on your age when you first enroll and it doesn't increase simply because you get older, and attained-age-rated plans are usually priced lowest at 65 but increase as you age, sometimes substantially over time.
This is the main reason the lowest starting premium isn't always the best long-term value — and why comparing more than one company's Plan G rate, and understanding how that company prices future increases, matters as much as today's quote. It also helps to understand how Medicare Supplement premium increases work and when changing companies may require medical underwriting.
| City | State | ZIP Code | Lowest Displayed Plan G Rate |
|---|---|---|---|
| Austin | Texas | 78748 | $113.32/mo |
| Detroit | Michigan | 48221 | $113.48/mo |
| Lafayette | Louisiana | 70508 | $118.38/mo |
| Bethlehem | Pennsylvania | 18015 | $124.57/mo |
| Sedona | Arizona | 86336 | $133.19/mo |
| Bozeman | Montana | 59715 | $142.15/mo |
| Scottsdale | Arizona | 85262 | $146.51/mo |
| Newport Coast | California | 92657 | $190.83/mo |
| The Villages | Florida | 32162 | $200.58/mo |
Rate methodology: Sample rates were researched August 18, 2026 for Medicare Supplement Plan G using a female applicant, age 65, non-tobacco, with a requested December 1, 2026 effective date. The figures shown are the lowest displayed monthly premiums in each sampled ZIP code and are provided for comparison purposes only. They are not a quote for any specific person. Rates, eligibility, discounts, policy fees, and available companies may vary.
See Pennsylvania Medicare Supplement rate research →
See Texas Medicare Supplement rate research →
Learn how the same Plan G coverage may be available at a lower rate →
Compare Your Options
| Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital costs | Covered | Covered |
| Part B coinsurance | Covered | Covered, except certain copays |
| Part B deductible ($283 in 2026) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Office visit copay | $0 | Up to $20 |
| ER visit copay (not admitted) | $0 | Up to $50 |
| Typical monthly premium | Higher | Often lower, but varies by carrier |
Benefits shown are standardized nationally for each plan letter. Premiums vary by carrier, age, sex, location, and tobacco status. See our full Plan N guide to compare Plan G and Plan N in more detail.
High-Deductible Plan G is available in some states and usually carries a lower monthly premium than standard Plan G. You pay Medicare-covered deductibles, copayments, and coinsurance out of pocket until your eligible spending reaches the annual deductible — $2,950 in 2026. After that, the plan pays covered benefits the same way standard Plan G does. It can appeal to healthier, budget-conscious beneficiaries who want a lower premium and a Medigap safety net for larger expenses.
Plan G is one of the most comprehensive standardized Medigap options available to people newly eligible for Medicare, but it isn't automatically the best choice for everyone.
See our full Medicare Advantage vs. Medicare Supplement comparison for a deeper breakdown. Still not sure which coverage type fits you? Take our 7-question Medicare Coverage Quiz.
Timing Matters
For many people, the easiest time to purchase Plan G is during their six-month Medigap Open Enrollment Period, which generally begins when they are both age 65 or older and enrolled in Medicare Part B. During this protected window, insurers generally cannot use your health history to deny coverage or charge more because of a medical condition. Certain other situations can also create guaranteed-issue rights, and state rules may provide additional opportunities to enroll or switch plans without medical underwriting.
Once you choose a company, our guide explains how to apply for Medicare Supplement insurance, including what information you may need and when underwriting can apply.
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Reviewed by David Scallion · Licensed Medicare agent since 2003 · Last reviewed August 2026
We'll pull actual Plan G quotes from multiple carriers for your ZIP code, walk through how each company rates and prices its premiums over time, and help you apply for whichever plan actually fits your situation — with no pressure and no obligation.
No pressure. No call-center runaround. Just clear help comparing Medigap plans from Lehigh Partners Senior Benefits.
Lehigh Partners Senior Benefits is an independent, licensed insurance agency. Plan availability, benefits, premiums, underwriting, and enrollment rules vary by carrier, state, and individual circumstances. This page is educational and does not guarantee acceptance, savings, or pricing. Calling the number on this page will connect you with a licensed insurance agent. Lehigh Partners Senior Benefits is not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every Medigap plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) for information on all available options.
