Supplied agency flyer; benefit-year figures retained as provided. Standard plan description; SELECT hospital restrictions are separate.
Why Choose Medicare Supplement Plan G?
Plan G Overview
Plan G is one of the most comprehensive and popular Medigap plans available for anyone eligible for Medicare. Your out-of-pocket costs are exceptionally predictable: once you pay your annual Part B deductible, Plan G covers all remaining Medicare-approved cost-sharing.
Your responsibility with Plan G includes:
Your plan premium
The annual Medicare Part B deductible ($283 for 2026)
Features and Benefits
$0 deductible for all Part A covered expenses (including the Part A hospital deductible)
0% coinsurance for Part A and Part B covered expenses
$0 copay at the doctor’s office for Medicare-approved services
$0 copay for Part A hospital costs, plus an extra 365 days of inpatient hospital coverage after Medicare benefits are exhausted
$0 copay for MRI, CT, X-ray, and lab tests
$0 copay for ambulance services
$0 copay for emergency room visits
$0 copay for outpatient surgery
Pays 100% of Medicare Part B excess charges (if a doctor charges more than the Medicare-approved amount)
Freedom to visit any doctor or hospital that accepts Medicare (no provider networks)
No referrals required
No pre-authorization required by the plan for procedures
Nationwide coverage — good in all 50 states
Foreign Travel Emergency Coverage: 80% of approved out-of-pocket costs for emergency care outside the U.S. (after a $250 deductible, up to a $50,000 lifetime maximum)
Electronic claims filing included
Helps preserve your hospital “lifetime reserve days”
No lock-in period
You keep Traditional Medicare Parts A & B
30-day "Free Look" money-back guarantee from the date your policy is issued
You may also purchase an optional stand-alone Part D prescription drug plan for an additional premium.
Why Your Insurance Company Matters
Medicare Supplement policies are standardized, meaning the core medical benefits are identical regardless of which insurance company you choose. However, premium rates, underwriting rules, customer service, and future rate increases vary by carrier. Selecting a stable, reputable carrier is important.
Important Policy Notes: Coverage is subject to Medicare rules, policy terms, and medical underwriting (unless you qualify for a guaranteed issue right). Medigap policies help pay for certain Original Medicare cost-sharing and do not cover every service, such as most routine dental, vision, hearing care, or outpatient prescriptions.