How to Compare Medicare Supplement Insurance Companies
When comparing Medicare Supplement companies, don’t compare benefits first—compare the same standardized plan across insurers.
What Does Medicare Supplement Plan G Cover in 2026?
Last Modified: 10/05/2026 | Reviewed by Keith Armbrecht (NPN 634015)
Quick Summary
Medicare Supplement Plan G covers nearly all of the major Medicare-approved out-of-pocket gaps left by Original Medicare.
Plan G covers the Medicare Part A deductible, Part A and Part B coinsurance, skilled nursing facility coinsurance and Medicare Part B excess charges.
The primary Medicare cost Plan G doesn’t cover is the annual Part B deductible, which is $283 in 2026.
Key Facts
Plan G covers:
- Part A hospital coinsurance
- Additional hospital benefits after Medicare benefits are exhausted
- Medicare Part A deductible
- Medicare Part B coinsurance
- First three pints of blood
- Part A hospice cost sharing
- Skilled nursing facility coinsurance
- Medicare Part B excess charges
- 80% of qualifying foreign-travel emergency expenses up to plan limits
Plan G does not cover:
- Medicare Part B deductible
- Routine dental care
- Routine vision care
- Hearing aids
- Long-term custodial care
- Outpatient prescription drugs
The Biggest Plan G Expense You Still Pay
The major Medicare cost left to you is the Part B deductible.
For 2026:
$283
After you meet the Part B deductible, Plan G provides very comprehensive coverage for Medicare-approved services according to its standardized benefits.
Does Plan G Cover Hospital Costs?
Yes.
Plan G covers the Medicare Part A inpatient hospital deductible and applicable Part A coinsurance according to its standardized benefits.
The 2026 Part A inpatient hospital deductible is $1,736 per benefit period.
Does Plan G Cover Doctors?
Plan G helps cover Part B coinsurance for Medicare-approved physician and outpatient services after you’ve satisfied your Part B deductible.
Does Plan G Cover Excess Charges?
Yes.
If a provider is legally permitted to charge a Medicare Part B excess charge, Plan G covers that benefit.
Video Explanation from Keith
Everything Medicare Supplement Plan G Covers
Keith's Take
The appeal of Plan G is simplicity.
For Medicare-approved services, once the Part B deductible is behind you, there generally isn’t much Medicare cost sharing left for you to worry about.
But comprehensive coverage has a price.
That’s why I still compare Plan G with Plan N rather than automatically recommending Plan G.
You want to know what the extra coverage is costing you.
Keith Armbrecht
Medicare on Video
Frequently Asked Questions About Plan G Coverage
Q. Does Plan G cover the hospital deductible?
A. Yes.
Q. Does Plan G cover the Part B deductible?
A. No. It's $283 in 2026.
Q. Does Plan G cover doctor coinsurance?
A. Yes, according to its standardized benefits after the Part B deductible is met.
Q. Does Plan G cover excess charges?
A. Yes.
Q. Does Plan G cover prescriptions?
A. No.
Q. Does Plan G cover dental?
A. Not routine dental care.
Q. Does Plan G cover foreign travel?
A. Plan G provides 80% coverage of qualifying foreign-travel emergency expenses, subject to Medigap's limits.
Q. Does every Plan G cover the same benefits?
A. Yes, standardized Plan G medical benefits are the same regardless of the company selling the policy.
Official Government Sources
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