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Medigap Plan G: Everything You Need to Know

By Zawn Villines
Medigap Plan G offers more coverage than most other Medigap plans. Learn whether this Medicare Supplement policy is right for you.

Original Medicare (Parts A and B) covers many different services, including hospital stays and doctor’s visits. But the cost of deductibles, coinsurance, and copays can still be high. Medigap policies, also known as Medicare Supplement, help fill in these coverage gaps—and sometimes offer additional services as well. Medigap Plan G offers a wider range of coverage than all Medigap plans except for Medigap Plan F. 

What Does Medigap Plan G Offer?

Original Medicare, which covers hospital care, doctor’s visits, and related services, does not cover all care, according to the Centers for Medicare and Medicaid Services. You’ll still have a deductible, and may have copays or coinsurance fees. 

Original Medicare also excludes coverage for certain services—such as routine dental care, hearing aids, and medically-unnecessary cosmetic procedures. Depending on the cost of your care, you could end up with large copays that eat into your budget, or a deductible that makes it hard for you to cover your care out-of-pocket. 

Medigap supplemental insurance covers the cost of Original Medicare deductibles, coinsurance, and copays. It may also cover a range of services excluded from Original Medicare coverage. Medigap Plan G is also available in some states as a high-deductible plan. 

The specific additional benefits Medigap Plan G offers include:

  • Coverage for an additional 365 days of hospital care after Original Medicare benefits are exhausted, as well as coverage for hospital coinsurance and deductible 
  • Coverage for Medicare Part B coinsurance and copays
  • Coverage for the first three pints of a blood transfusion
  • Medicare Part A’s hospice copayment or coinsurance
  • Medicare Part A deductible, but not Part B deductible
  • Up to 80% of foreign travel exchange
  • Care in a skilled nursing facility

Medigap Plan G does not cover dental care, or other services excluded from Original Medicare coverage like cosmetic procedures or acupuncture. Some Medicare Advantage policies may cover these services. 

Like Medigap, Medicare Advantage is private insurance. Unlike Medigap, it is a substitute for Original Medicare, and covers Medicare Part A and Part B needs. People with a Medicare Advantage plan cannot buy Medigap insurance unless they switch to an Original Medicare plan. 

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Interested in learning more about Medicare, Medigap, and Medicare Advantage plans? WebMD Connect to Care Advisors may be able to help.