Medicare Supplement

Medicare Supplement Plan G

Plan G is the most comprehensive Medigap plan available to new Medicare enrollees. It covers nearly all Medicare cost-sharing — the only gap is the annual Part B deductible, which you pay once per year.

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What Plan G covers

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted

Part B coinsurance or copayment

Part A deductible

Part B excess charges (the 15% above Medicare-approved amounts that non-participating providers may charge)

Skilled nursing facility care coinsurance

Foreign travel emergency (up to plan limits, after a deductible)

Hospice care coinsurance or copayment

Blood (first 3 pints)

Plan G does not cover the annual Part B deductible. Once you meet that deductible each year, Plan G covers the rest of your Medicare-approved costs.

Plan G vs Plan N — the key difference

Plan G and Plan N are the two most commonly compared Medigap plans for new enrollees. Plan G covers Part B excess charges; Plan N does not. Plan N has lower monthly premiums but requires small copays at the point of service — up to $20 for office visits and up to $50 for emergency room visits that do not result in inpatient admission.

If your doctors accept Medicare assignment (meaning they agree to Medicare-approved rates), excess charges are not a factor. If you see providers who do not accept assignment, Plan G's excess charge coverage can matter.

See the full Plan G vs Plan N comparison

When to enroll in Plan G

The best time to enroll in a Medigap plan is during your Medigap Open Enrollment Period — the six-month window that begins the month you are both age 65 or older and enrolled in Medicare Part B. During this window, insurers cannot use medical underwriting to deny coverage or charge higher premiums based on health status.

Outside of open enrollment, you may need to answer health questions and could be denied coverage or charged more. Guaranteed-issue rights apply in specific situations — such as losing employer coverage or a Medicare Advantage plan leaving your area.

Questions about enrollment timing? Start with the Turning 65 Medicare guide.

Losing Medicare Advantage coverage? You may qualify for Plan G without underwriting.

Federal guaranteed-issue rights allow eligible beneficiaries to enroll in specific Medigap plans — including Plan G — without medical underwriting when they lose other coverage involuntarily. Humana members whose plans are being terminated for 2027 are among those who may qualify.

Guaranteed-issue rights explained Humana 2027 plan exits

Can I get Plan G without medical underwriting?

Yes — in specific situations. If you are in your initial Medigap Open Enrollment Period (the six-month window starting when you are 65 and enrolled in Part B), any insurer must accept you for Plan G at standard rates. Outside of that window, guaranteed-issue rights may apply if you experience a qualifying event — such as a Medicare Advantage plan terminating or leaving your service area. During a GI event, the insurer cannot ask health questions or charge more based on your health history. GI rights do not change what Plan G costs — premiums are still based on your age, ZIP code, and the carrier's rating method. What GI rights protect is your eligibility: you cannot be denied or surcharged for health reasons during the window.

Important: GI rights protect your eligibility — they do not reduce the premium. Plan G rates are set by the carrier based on age, ZIP code, and rating method regardless of how you qualify.

Coming from Humana Medicare Advantage?

If your Humana Medicare Advantage plan is ending for 2027, you may have a guaranteed-issue right to enroll in Plan G without medical underwriting. GI rights mean the insurer cannot deny you or charge more because of your health history — but Plan G premiums are still set by the carrier based on your age, ZIP code, and rating method. An independent broker can compare Plan G rates from multiple carriers in your area so you can see exactly what coverage will cost before you apply.

Call The Medicare Dude — 1-800-DUDE-309 (800-383-3309)

GI rights and your enrollment window Humana 2027 plan exits — full guidance Compare Plan G rates for your ZIP

Plan G rates in Florida

Plan G premiums vary by carrier, your age, your ZIP code, and the rating method the carrier uses. Carriers in Florida use community rating, issue-age rating, or attained-age rating — the method affects how your premium changes over time.

An independent broker can compare rates from multiple carriers for your specific ZIP code and age. William Gray is licensed in Florida and represents multiple carriers.

Get a Plan G rate comparison

Related resources

Compare Plan G and Plan N side by side Medicare Supplement cost and rate factors Get a Medigap rate comparison Turning 65 and choosing Medicare coverage Medicare Supplement overview

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