Plan G Full Coverage After The Part B Deductible

Plan G is the most chosen Medigap plan among people newly eligible for Medicare: pay the annual Part B deductible yourself, and the plan covers the rest of the gaps Original Medicare leaves — with no network and no referrals.

Coverage Item	Plan G Treatment
Part A hospital coinsurance & benefit periods	Fully covered
Part A hospice & skilled nursing coinsurance	Fully covered
Part B deductible (2025: $257)	You pay once per year
Part B coinsurance (after deductible)	100% covered
Part B excess charges	Fully covered — rare with assigned providers
Foreign travel emergency (80%)	Covered to plan limits

Why G became the default after Plan F closed

Since Plan F closed to new Medicare eligibles on January 1, 2020, G has absorbed its role: identical core coverage except the Part B deductible. Because G premiums historically run lower and carriers price it more competitively, our Plan N comparison is the only alternative most shoppers weigh against it. See all options on the plans board.

Pricing reality check

Plan G pricing is attained-age in most states: the premium at 65 is often $120–170/month but climbs over time, which is why our pricing-model file matters more than the teaser rate. Quote at least three carriers — the same Plan G letter can differ 40%+ between carriers in the same ZIP.

FAQ

Is Plan G better than Plan N?

G covers the Part B excess charges and has no office copays; N is cheaper monthly but adds copays. Heavy healthcare users often break even with G — see the N-vs-G cost math file.

Does Plan G cover dental, vision, or prescriptions?

No. Medigap plans cover Medicare gaps only; add a separate Part D drug plan.

Related reading: All plans · G rates by age · Carrier board · State rules