Medigap Plan G covers nearly all Original Medicare gaps, including hospital deductibles, Part B coinsurance/excess charges, skilled nursing, and foreign travel emergencies—except the Part B deductible. It offers comprehensive protection at lower premiums than Plan F.
Medigap Plan G is one of the most popular Medicare Supplement plans, offering nearly the same extensive coverage as Plan F but at a lower cost by excluding the Part B deductible ($240 in 2025).
Medicare Part A:
Coinsurance and hospital costs (up to an additional 365 days after Medicare benefits end)
Hospice care coinsurance or copayment
Part A deductible
Medicare Part B:
Coinsurance or copayment (100%)
Part B excess charges (up to 15% extra if a provider doesn’t accept Medicare assignment)
Other:
First 3 pints of blood
Skilled nursing facility care coinsurance
Foreign travel emergency coverage (up to $50,000 lifetime limit, typically 80% after a $250 deductible)
Plan G covers your share of Original Medicare-approved costs after you pay the annual Part B deductible. It provides peace of mind for inpatient (hospital, hospice, skilled nursing) and outpatient services (doctor visits, lab tests, X-rays, surgeries, ambulance, diabetes supplies, durable medical equipment).
Lower monthly premiums than Plan F
Often, a more stable rate increases over time
Complete coverage of Part B excess charges (not offered by Plan N)
Nationwide provider choice—no networks or referrals needed
Ideal for those who want robust protection without the higher cost of Plan F
Premiums vary by age, gender, tobacco use, location, and insurer. In North Carolina, non-smoker averages range from approximately $120–$300 per month (2025 estimates). Our agents can provide personalized quotes based on your details.
As of January 1, 2020, Medigap Plan F is no longer available to people newly eligible for Medicare. Plan G is often the best alternative for comprehensive coverage.
Our experienced North Carolina Medicare agents at Health Plans of NC can compare Plan G quotes from multiple insurers, explain how it fits your needs, and answer questions about Medigap options (including Plan G vs. F or N).