Medicare Supplement Plan G

Medicare Supplement Insurance Plan G (also known as Medigap Plan G) is the most comprehensive Medigap plan new Medicare beneficiaries can buy.

How Does It Work?

Medicare Supplement Plan G is an affordable health insurance option designed to help cover some out-of-pocket costs that Original Medicare (Part A and Part B) doesn’t cover. Unlike Medicare Advantage plans, Medicare Supplement Plan G does not have provider network restrictions. This gives you greater flexibility and freedom when it comes to choosing your healthcare providers, no matter where you are in the country.


Plan G covers:

·   Initial pints of blood

·   Medicare Part A deductible

·   Medicare Part A hospital costs

·   Part A expenses

·   Part A hospice care coinsurance

·   Skilled nursing facility care

After the Part B deductible, Plan G covers:

·   Charges over the amount Medicare allows (Part B excess charges)

·   Durable medical equipment

·   Foreign travel emergency care (lifetime plan limits apply)

·   Medicare Part B coinsurance and copays

What’s Not Covered?

  • Part B deductible
  • Long-term care
  • Dental
  • Vision
  • Eyeglasses and hearing aids
  • Private nursing care

Medigap Plan G only pays toward Medicare-covered services. Whatever Original Medicare does not cover, Medicare Supplement Plan G also will not.

Medicare Supplement Plan G Cost

Here’s an idea of what a 65-year-old woman who doesn’t smoke might pay for Medicare Supplement Plan G in Laredo, Texas: $115.99 average

Overall, Medicare Supplement Plan G monthly premiums vary, depending on what part of the country you live in, your age, and your gender. They are also based on whether you’d like a high-deductible or low-deductible plan.

Plan TypePremium Range
Plan F$142-$235
Plan G $123-$186
Plan N$86-$129
Premiums are based on Medicare Part B start date and or Medical underwriting.

How much you pay for your Medicare Supplement Plan G monthly premium with Mutual of Omaha depends on where you live and your personal health information.

Your actual Medicare Supplement Plan G monthly premium depends on where you live and your personal health information.

When Can I Enroll?

Individuals can enroll in Medigap Plan G anytime after they become Medicare eligible. Below are the two most common enrollment periods that grant guaranteed issue protections.

Medigap Open Enrollment Period

The best time to buy a Medigap policy, including Medicare Supplement Plan G, is during your six-month Medigap Open Enrollment Period, which starts the first day of the month you’re 65 or older and enrolled in Part B. For example, if you turn 65 and are enrolled in Part B in June, the best time for you to buy a Medigap policy is from June to November.

Your Medigap Open Enrollment period begins when you enroll in Part B and can’t be changed or repeated.

Medigap Special Enrollment Periods

Several unique circumstances qualify you to enroll in a Medicare Supplement plan outside of the Open Enrollment period. This is called having a guaranteed issue right. Below are a few examples:

  • Your employer-sponsored retiree plan ends.
  • Reduction of benefits or loss of eligibility of employer plan.
  • You move out of a Medicare Part C area of coverage.
  • The current plan provider loses its contract with Medicare.

Pre-Existing Conditions

The insurance company can impose a six-month waiting period if you buy a Medicare Supplement plan outside of your open enrollment period and have a pre-existing condition. The carrier will cover other health conditions but can refuse to cover out-of-pocket costs relating to the pre-existing condition. After the pre-existing condition waiting period ends, the insurance carrier will cover those costs.

Is Medicare Part G My Best Option?

With Medigap Plan G:

·   Ability to change doctors anytime

·   Predictable healthcare expenses

·   No referrals are required

·   No need to stay within a network

Medicare Supplement Plan G is best for people who:

·   Don’t want high out-of-pocket costs for healthcare.

·   Want to enjoy the freedom to see any doctor.

·   Travel often (because of the flexibility of the health insurance plan).

Next Steps

We specialize in guiding Medicare beneficiaries through their Medicare insurance options. We work with some of the nation’s top-rated Medigap carriers so that you can be sure you’re getting the best possible service. Take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Additionally, you can give us a call today to learn more or request a quote online.

Article Resources:

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. In addition, his expertise is unmatched - having helped thousands of Medicare beneficiaries choose suitable healthcare plans for themselves - making him stand out above competitors.