Medicare Supplement Insurance Plan G

Plan G covers most of the costs you’d have to pay for Medicare-approved medical expenses. It also offers all the benefits of Plan F except for the Medicare Part B deductible.

Medicare Supplement Plan G offers basic Medicare benefits including:

• Hospitalization: pays Medicare Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
• Medical expenses: pays Medicare Part B coinsurance—generally 20% of Medicare-approved expenses—or copayments for hospital outpatient services
• Blood: pays for the first 3 pints of blood each year
• Hospice care: pays Medicare Part A coinsurance

In addition to the basic benefits, Plan G also provides coverage for:

• Medicare Part A deductible
• Skilled nursing facility care coinsurance
• Medicare Part B excess charges (this is the difference between what a doctor or provider charges and the amount Medicare will pay up to Medicare's limiting amount)
• Foreign travel emergency medical help (up to plan limits)

Plan G also has a high-deductible plan option. With this option, you must pay for Medicare-covered costs (coinsurance, copayments and deductibles) up to the deductible amount of $2,870 in 2025 before your plan pays anything. You must also pay a separate deductible ($250 per year) for foreign travel emergency services.

High-deductible policies have lower premiums, but if you need to use your benefits, you may have higher out-of-pocket costs.