Plan G is the most complete Medicare Supplement plan most people can buy in 2027. It pays nearly every cost Original Medicare leaves behind, so your out-of-pocket spending for Medicare-approved care is limited to one deductible a year.
Here’s exactly what Plan G covers, what it doesn’t, and how the coverage works in real life. For prices and companies, see the full Medicare Supplement Plan G 2027 guide.
Plan G benefits are standardized by federal law. Every insurance company that sells Plan G must cover the same nine benefits, so this chart applies no matter which company you choose.
| Benefit | Plan G pays |
|---|---|
| Part A deductible | 100% |
| Part A hospital coinsurance, plus 365 extra hospital days | 100% |
| Part B coinsurance or copays | 100% |
| Part B excess charges | 100% |
| Skilled nursing facility coinsurance | 100% |
| Part A hospice coinsurance | 100% |
| First 3 pints of blood | 100% |
| Foreign travel emergency care | 80% after $250 deductible, up to $50,000 lifetime |
| Part B deductible | Not covered — you pay it |
Massachusetts, Minnesota and Wisconsin use their own standardized plan designs, so Plan G works differently in those three states.
Hospital stays (Part A). Plan G pays the Part A deductible for each benefit period and all Part A hospital coinsurance. It also adds 365 extra lifetime hospital days after Medicare’s coverage runs out.
Doctor visits and outpatient care (Part B). After you meet the Part B deductible, Plan G pays the 20% coinsurance Medicare leaves you. That includes doctor visits, surgery, lab work, imaging, durable medical equipment and outpatient therapy.
Part B excess charges. Doctors who don’t accept Medicare’s approved amount as full payment can charge up to 15% more. Plan G pays that too.
Skilled nursing and hospice. Plan G pays the skilled nursing facility coinsurance for days 21 through 100 and the hospice coinsurance for drugs and respite care.
Travel. Plan G works with any doctor or hospital in the U.S. that accepts Medicare, and it pays 80% of emergency care during the first 60 days of a trip abroad, after a $250 deductible, up to a $50,000 lifetime limit.
Broker tip: If Medicare approves a claim, Plan G has to pay its share. There are no networks, no prior authorizations and no separate claim forms in most cases.
| Plan | Part B deductible | Excess charges | Office copays |
|---|---|---|---|
| Plan F | Covered | Covered | None |
| Plan G | You pay | Covered | None |
| Plan N | You pay | Not covered | Up to $20 (ER up to $50) |
| High Deductible G | You pay first $3,050 (2027) | Covered after deductible | None after deductible |
Plan F covers a little more but is only available to people eligible for Medicare before January 1, 2020. See Plan F vs. Plan G for the full comparison.
MoneyGeek’s 2026 data put the national average Plan G premium at about $220 a month at age 65. Your price depends on your age, ZIP code, gender, tobacco use and the company. See Plan G cost for 2027 or get Plan G quotes for your area.
Weighing the trade-offs? Read the Plan G pros and cons.
➤ What does Medicare Plan G cover in 2027?
Plan G covers the Part A deductible, Part A and Part B coinsurance, Part B excess charges, skilled nursing and hospice coinsurance, the first three pints of blood, 365 extra hospital days and 80% of foreign travel emergency care. It does not cover the Part B deductible.
➤ Does Plan G cover the Part B deductible?
No. The Part B deductible is the one Medicare cost Plan G leaves to you. It was $283 in 2026, and CMS announces the 2027 amount in the fall.
➤ Does Plan G cover prescription drugs?
No. Medicare Supplement plans don’t include drug coverage. Most people pair Plan G with a stand-alone Part D plan.
➤ Does Plan G cover dental and vision?
No. Plan G doesn’t cover routine dental, vision or hearing care. You can buy stand-alone dental and vision plans.
➤ Can I use Plan G in any state?
Yes. Plan G works with any doctor or hospital in the U.S. that accepts Medicare, with no networks or referrals.
➤ Does Plan G cover care outside the U.S.?
Yes, for emergencies. It pays 80% of emergency care during the first 60 days of a trip, after a $250 deductible, up to a $50,000 lifetime limit.
If you are new to Medicare, then you can enroll in a 2027 Medicare Supplement plan up to six months prior to your Medicare Part B effective date.
Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-409-6195.