Medicare

Medigap Plan G

Medigap Plan G is the gold standard supplemental coverage for new Medicare beneficiaries, leaving only the $283 Part B deductible as out-of-pocket exposure.

Last reviewed: May 2026 · Editorial methodology

Definition

Medigap Plan G is a standardized Medicare Supplement Insurance policy that covers virtually all Original Medicare cost-sharing gaps, making it the most popular plan among new Medicare enrollees since Plan F was closed to new beneficiaries in 2020. Plan G covers the Part A hospital deductible ($1,676 in 2026), Part A coinsurance for days 61–90 and lifetime reserve days, skilled nursing facility coinsurance ($209.50/day for days 21–100 in 2026), Part B coinsurance (the 20% after Medicare's 80% payment), Part B excess charges from providers who do not accept Medicare assignment, foreign travel emergency coverage (up to plan limits), and hospice care coinsurance. The only gap Plan G does not fill is the Part B annual deductible of $283 in 2026. Because Medigap is standardized by CMS, Plan G benefits are identical regardless of which insurer sells it — the only difference between carriers is the premium amount, financial stability, and customer service. A high-deductible version of Plan G (HD-G) exists with a lower premium and a $2,870 deductible in 2026.

Where this term matters

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Tip

Glossary definitions are educational. Always check your own policy language — insurers can define common terms differently from one another. When in doubt, request a written explanation from your agent.

Related terms

MedigapPrivate Medicare supplement insurance that fills gaps in Original Medicare's coverage.Medigap Plan NMedigap Plan N offers strong coverage at a lower premium than Plan G by requiring modest copays and leaving excess charge exposure in place.Medigap Plan FMedigap Plan F provides first-dollar coverage with zero out-of-pocket costs for covered services, but is only available to those who became Medicare-eligible before 2020.Medicare Part AMedicare Part A is premium-free for most beneficiaries and covers inpatient care, but comes with significant cost-sharing including a per-benefit-period deductible.Medicare Part BMedicare Part B charges a monthly premium — $202.90 in 2026 for most beneficiaries — and covers the outpatient medical services that Part A does not.Original MedicareOriginal Medicare provides broad provider access nationwide with no referrals required but lacks an out-of-pocket maximum, making supplemental coverage important.

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Source: Cover Forge USA editorial team|Last verified: May 2026|Methodology
Definitions are educational and may be simplified. Always refer to your policy contract and consult a licensed agent for terms that affect coverage decisions.
CF

Cover Forge USA Editorial Team

Editorial Lead

This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.

Reviewed June 2026

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