What is Medicare Supplement Plan G?

Medicare Supplement Plan G provides coverage to fill in the "gaps" of Original Medicare.

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Medicare Supplement Plan G: Comprehensive Overview

Medicare Supplement Plan G stands as a significant option for those enrolled in Medicare, offering extensive coverage beyond Original Medicare Parts A and B. This plan is tailored to cover “gaps” such as co-payments, coinsurance, and deductibles not covered by Original Medicare, ensuring a broader safety net for beneficiaries.


What does Medicare Supplement Plan G cover?

Plan G’s coverage encompasses:

  • Part A hospital coinsurance and costs for an additional 365 days post-Medicare benefits depletion.
  • Part A deductible, reducing out-of-pocket hospital expenses.
Hospitalization Coverage
Services Medicare Pays Plan G Pays You Pay
First 60 days All but $1,632 $1,632 (Part A deductible) $0
61st through 90th day All but $408 per day $408 per day $0
91st day and after:
while using 60 lifetime reserve days All but $816 per day $816 per day $0
once lifetime reserve days are used, additional 365 days $0 100% of Medicare eligible expenses $0
beyond the additional 365 days $0 $0 All costs
  • Part B coinsurance or co-payment, bridging the gap left by Original Medicare. (The coverage includes both inpatient and outpatient hospital expenses, such as treatments and consultations provided by doctors, surgical procedures, medical supplies, therapies for physical and speech rehabilitation, diagnostic evaluations, and durable medical equipment.
Medical Expenses Coverage
Services Medicare Pays Plan G Pays You Pay
First $240 of Medicare-approved amounts4 $0 $0 $240 (Part B deductible)
Remainder of Medicare-approved amounts Generally 80% Generally 20% $0
  • Blood transfusions (first three pints) and Part A hospice care coinsurance or co-payment.


Blood Coverage
Services Medicare Pays Plan G Pays You Pay
First 3 pints (Per calendar year) $0 100% $0
Additional amounts 100% $0 $0
  • Skilled nursing facility care coinsurance.


Skilled Nursing Facility Care*
Services Medicare Pays Plan G Pays You Pay
First 20 days All approved amounts $0 $0
21st through 100th day All but $204 per day Up to $204 per day $0
101st day and after $0 $0 All costs
* Must have been in a hospital for at least 3 days and have entered a Medicare-approved facility within 30 days following a discharge from the hospital.


  • Foreign travel emergency care, up to plan limits. (Medically necessary emergency care services beginning during the first 60 days of each trip outside the U.S.)


Foreign Travel Emergency Coverage
Services Medicare Pays Plan G Pays You Pay
First $250 each calendar year $0 $0 $250
Remainder of charges $0 80% up to a lifetime maximum benefit of $50,000 20% and amounts over the $50,000 lifetime maximum


What does Medicare Supplement Plan G not cover?

Despite its extensive coverage, Plan G does not cover the Medicare Part B deductible, requiring beneficiaries to pay this annual deductible before Part B coverage commences. Additionally, it does not extend to long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.

How do I choose a Medicare Supplement Plan G?

When considering Medicare Supplement Plan G, you must evaluate your healthcare needs, budget, and the specifics of what Plan G offers. Our team of licensed insurance agents are experts in guiding clients through this process. Our expertise lies in comparing highly rated carriers to find a plan that fits your budget and may reduce the costs of your current plan. With Empower Brokerage, you gain access to personalized advice and the opportunity to secure coverage that aligns perfectly with your healthcare goals. Consulting with a professional is recommended to ensure that Plan G aligns with your individual healthcare strategy.

Medicare Supplement Plan G provides a comprehensive solution for individuals looking for extensive coverage beyond Original Medicare. To get help with a quote, learn more about Plan G, or ask any questions, give us a call. We are happy to help.


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About Jose Lerma

Jose has been a career agent working with Empower Brokerage since 2021 helping clients from all walks of life find tailored solutions for their healthcare needs. He is passionate about helping people fulfill their dreams and helping clients live a more empowered existence. 

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