Yes, Medigap Plan G is often considered worth it for new Medicare enrollees seeking comprehensive coverage and predictable costs, as it covers nearly all out-of-pocket expenses after the Part B deductible, offering great financial security and nationwide access to providers, though it comes with higher premiums and isn't ideal for those wanting lower monthly costs or who can't afford potential yearly premium increases. It's especially valuable because it matches the extensive benefits of Plan F (no longer for new enrollees) but with lower premiums, making it a top value for broad coverage.
Cons of Medicare Plan G
Part B Deductible: Plan G requires you to pay the Part B deductible out of pocket. However, once this deductible is met, your out-of-pocket costs are significantly reduced. 2. Potentially Higher Premiums: Plan G may have higher premiums compared to other Medicare plans.
Plan G covers nearly all Medicare out-of-pocket costs except the $257 Part B deductible, making it one of the most complete Medigap options available. Monthly premiums typically range from $129 to $405 based on age and location, with predictable costs that can save thousands on major medical expenses.
In contrast, Medicare Advantage plans often require referrals and limit care to a specific network of providers. Plan G gives you budget-friendly predictability. After you meet your annual Medicare Part B deductible (just $240 in 2025), Plan G covers nearly all other out-of-pocket costs.
Plan G remains the most popular Medigap plan for new enrollees, offering comprehensive coverage with predictable costs. Other popular plan options include High-Deductible Plan G, Plan N, and Plan F (if eligible).
Plan G does not cover the Part B deductible or any service that Medicare does not cover. For example, Medicare does not cover routine dental, vision, or hearing; therefore, Plan G won't cover those services. Medicare pays first, and then Plan G pays the remaining amount after you pay the once-annual deductible.
UnitedHealthcare is the best Plan G Medicare Supplement (Medigap) provider of 2026, according to Investopedia research. Anthem and State Farm are two more excellent options. Plan G is the most popular Medigap plan, and it's the most comprehensive for people who turned 65 on or after Jan. 1, 2020.
Medicare Plan G does provide coverage for emergency room services, but you may still be responsible for certain out-of-pocket costs, such as copayments. Understanding these details is crucial for ensuring you have the financial protection you need in case of an unexpected medical situation.
Medicare Plan G out-of-pocket costs and maximums
With a Plan G, your out-of-pocket costs for covered services are reduced to just your annual Part B deductible ($257 in 2025). There's no out-of-pocket maximum for Plan G because costs are reduced in a way that it's not necessary.
Here are a few common complaints we have heard about Medigap:
Summary. Cost-wise, if you have a lot of medical expenses, Medigap could be a good option for you. The premiums are usually higher than Medicare Advantage plans, but out-of-pocket costs are typically lower. This also means more predictable costs, if you're trying to budget.
“What people choose when turning age 65 and become eligible for Medicare is a good barometer of what seniors want,” explains Jesse Slome, director of AAMSI, an advocacy organization. Medicare Supplement, also commonly called Medigap, Plan G offers a balance between robust coverage and affordability. Slome explains.
Here are some of the biggest Medicare mistakes to avoid:
Are Medicare premiums tax deductible? Yes, your Medicare premiums can be tax deductible as a medical expense if you itemize deductions on your federal income tax return. You can only deduct medical expenses after they add up to more than 7.5 percent of your adjusted gross income (AGI).
The downside of high-deductible Plan G can be, of course, your upfront cost before you receive help with out-of-pocket expenses. Assuming you have this high-deductible Medigap plan and receive a Medicare Part B-covered service, you'll be responsible for the Part B deductible, which is $257 in 2025.
Overview: Why Plan G Still Dominates in 2026
Standardized by Medicare.gov, Plan G offers the same medical benefits across all insurers. That means your decision comes down to price, complaint performance, rate stability, and member perks rather than coverage differences.
Low Out-of-Pocket Costs
With UnitedHealthcare® Medigap Plan G, the only out of pocket cost you'll pay for is the Medicare Part B deductible. You'll only pay for the deductible once annually when you receive Medicare Part B services. In 2025, you'll pay $257 (up from $240 in 2024).
Best Medicare Part D Prescription Drug Plans for 2026
For comparison, the Centers for Medicare and Medicaid Services completed almost 400,000 prior authorization reviews for Original Medicare in 2023 and denied 28.8%, or 113,448 of requests received. Centene and CVS Health Medicare Advantage plans had the highest denial rates for prior authorization requests.
Starting in 2025, there is an annual limit on what you pay out-of-pocket for prescription medications through Medicare and Medicare Advantage prescription drug plans. All prescription medications, including specialty medications, covered by Part D plans are included under this cap.
Some of the items and services Medicare doesn't cover include:
Plan G also has a high-deductible plan option. With this option, you must pay for Medicare-covered costs (coinsurance, copayments and deductibles) up to the deductible amount of $2,870 in 2025 before your plan pays anything. You must also pay a separate deductible ($250 per year) for foreign travel emergency services.