What is the difference between Medicare Supplement Plan G and Medicare Supplement High Deductible Plan G?
Asked by: Johnathon Kuhn | Last update: January 5, 2026Score: 4.4/5 (29 votes)
Does Medicare Supplement Plan G have a deductible?
Effective January 1, 2025, the annual deductible amount for these three plans is $2,870. The deductible amount for the high deductible version of plans G, F and J represents the annual out-of-pocket expenses (excluding premiums) that a beneficiary must pay before these policies begin paying benefits.
What are the disadvantages of Medicare Part G for seniors?
Medicare Plan G does not cover dental, vision, or prescriptions. Medicare Plan G does not cover the Part B deductible or any service that Medicare does not cover. Medicare Plan G does not cover dental, vision, or prescriptions.
Are all G plans the same?
All Medigap policies are standardized. This means, policies with the same letter offer the same basic benefits no matter where you live or which insurance company you buy the policy from.
Is Medigap plan G being phased out?
Medicare Plan G is not going away. There is a lot of confusion surrounding which Medigap plans are going away and which are still available. Rest assured that Plan G isn't going away. You can keep your plan.
High Deductible Medicare Plan G
Why are people leaving Medicare Advantage plans?
Key takeaways: People leave Medicare Advantage plans because out-of-pocket costs vary between plans, network restrictions can cause frustration, prior authorization requests can delay care, and it can be difficult to use the additional benefits they provide.
Does Plan G cover 100%?
Plan G covers 100% of the Medicare Part A and Part B co-pays and coinsurance, those gaps and holes that Medicare doesn't cover.
Why is G plan so popular?
They hired Danish designer Ib Kofod-Larsen to design a 'G Plan Danish' range which was released in 1962. His designs, and G-Plan's other ranges from around the time remain the most popular today because they have a Scandinavian feel yet are less expensive to get hold of in the UK.
What is the most popular Medicare Supplement plan?
There are 10 different types of Medigap policies (labeled A through N), each having a different, standardized set of benefits (Appendix Table 3). Plan G is the most popular Medigap policy, accounting for 39% of all policyholders, or nearly 5.3 million people, in 2023 (Figure 3).
How much does Plan G cost per month?
Your monthly costs vary depending on your state, your provider, and the policy you choose. On average, most Medicare Plan G premiums will be between $100-$200 per month.
Does Plan G cover dental and vision?
Plan G also covers excess costs a physician may charge if you don't live in one of the eight states prohibiting excess charges. However, if you buy Plan G instead of a Medicare Advantage plan, you'll need additional coverage for drugs, vision, dental, and hearing services.
How does Plan G High Deductible work?
High-deductible Plan G is a lower-premium plan with Plan G benefits that requires you to pay a certain amount out-of-pocket — excluding premiums — before the plan pays benefits. The high-deductible Plan G deductible is $2,800 in 2024.
What is the best medicare plan that covers everything for seniors?
Original Medicare with Medigap likely offers the most comprehensive coverage, but it may also be the most costly. A person can consider their income and how much they are able to spend before choosing a Medicare plan. Original Medicare with Medigap also offers a lot of flexibility when choosing a doctor or specialist.
Does Medicare Plan G cover emergency room visits?
Once you meet this deductible, Medicare will kick in its coverage for your emergency room visit.In addition to the coinsurance coverage, Medicare Plan G also covers the additional costs associated with hospitalization that may occur if your emergency room visit leads to an inpatient stay.
Why is a plan G better than an advantage plan?
FREEDOM 3: With a Medicare Supplement Plan G, no specialist referral is needed. One can go directly to see a specialist without a referral. With a Medicare Advantage HMO plan, a referral is usually required before seeing a medical specialist. (With a Medicare Advantage PPO plan, a referral is not usually required.)
When should I take Plan G?
Buy Medigap Plan G during Medigap open enrollment
The best time to buy your Medicare Supplement Plan G policy is during the six-month Medigap open enrollment period. This period happens only once. It starts once you're 65 and enrolled in Medicare Part B, and lasts for six months.
How to tell genuine G Plan?
The easiest way to identify a G plan piece (other than the distinctive design) is the gold stamped markers on the furniture. They include E. Gomme, EG or G-Plan on the label so you definitely know you have an authentic piece.
What finish is used on G Plan furniture?
G Plan used what they called their 2-shot polyurethane , and other British makers used similar ones . White + Newton of Portsmouth used a particularly high varnish finish from the mid-1960s onwards .
What are the disadvantages of Medicare Part G?
Medicare Supplement Plan G does have higher premiums than some Medicare Advantage plans and some of the other Medicare Supplement plans. Medicare Supplement Plan G doesn't provide prescription drug coverage or extra benefits that often come with Medicare Advantage plans.
What is the deductible for Medicare Plan G in 2024?
Like Plan F, Plan G has an option called High Deductible Plan G, also with a $2,800 deductible (in 2024). For a table comparing the benefits by plan letter, please see final page of this document. 4. How does Medicare coordinate with other insurance?
Does Plan G pay doctor visits?
Plan G also pays for Part B's coinsurance, which is 20% of out-patient costs, as well as copayments for doctor's office visits. Medigap plans start to pay for out-of-pocket costs after a person meets their annual deductible unless the plan also covers deductibles.
Why do doctors not like Medicare Advantage plans?
Across the country, provider grumbling about claim denials and onerous preapproval requirements by Advantage plans is crescendoing. Some hospitals and physician practices are so fed up they're refusing to accept the plans — even big ones like those offered by UnitedHealthcare and Humana.
What are the top 5 Medicare Supplement plans?
💬 From our Nerds: What are the top five Medicare supplement plans? "Based on NerdWallet's Medigap rubric, I picked five best Medicare Supplement Insurance companies for 2025: AARP/UnitedHealthcare, Mutual of Omaha, State Farm, Anthem and Blue Cross Blue Shield.
Why are seniors losing their Medicare Advantage plans?
Health systems and hospitals are also making the decision to cancel contracts due to excessive prior authorization denial rates and slow payments from insurers. Already 27 health systems have canceled their Medicare Advantage contracts this year.