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.
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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 2026-06-14
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