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.
Written by the licensed agents at Health Plans of NC, an insurance agency authorized by Blue Cross and Blue Shield of North Carolina (Blue Cross NC).
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).