Medigap Plan G is the most comprehensive plan available to new Medicare enrollees and has become the most popular Medigap plan sold today. It covers everything Plan F covers except the Part B annual deductible ($283 in 2026), making it the closest thing to full first-dollar coverage for those who became Medicare-eligible on or after January 1, 2020.
What Plan G Covers
How to Compare Plans
Because Medigap benefits are standardized by the federal government, Plan G covers the exact same benefits at every insurance company that sells it. The only difference between carriers is the premium — which can vary by 30–50% for the same plan and the same applicant. Working with an independent broker lets you see the full market and pick the lowest price for identical coverage.
Is Medicare Supplement Plan G Right for You?
Plan G is the right choice for most people turning 65 and enrolling in Medicare for the first time. If you want predictable, comprehensive coverage with no surprise bills and the freedom to see any Medicare-accepting doctor or specialist in the country — without referrals or network restrictions — Plan G delivers that better than any other plan currently available to new enrollees.
The only cost you’ll pay out of pocket each year is the Part B deductible ($283 in 2026). After that, Plan G picks up 100% of Medicare-approved charges for the rest of the year. For most people, the peace of mind and simplicity of Plan G is well worth the modest premium difference over Plan N.
Because Medigap benefits are standardized by the federal government, every Plan G sold by every insurance company covers identical benefits. The only variable is the monthly premium — which is why working with an independent broker who can compare rates across all carriers in your area is so important.
Compare Plan G Rates From Multiple Carriers
Plan G rates vary significantly by carrier. We’ll compare every option available in your area.