Medicare does not have a Part G. Medicare Supplement Plan G is a private Medigap policy that helps pay specified out-of-pocket costs under Original Medicare. Its monthly premium is separate from Medicare premiums and from any separate Part D premium.
Build a complete cost comparison
| Expense | How to review it |
|---|---|
| Plan G premium | Request a quote for your residence, age and effective date. |
| Part B deductible | Standard Plan G does not pay this annual deductible. |
| High-deductible option | Compare its separate deductible before choosing by premium alone. |
| Noncovered services | Budget separately for care outside Medicare and the policy. |
Standard versus high-deductible G
These versions have different payment timing. With high-deductible Plan G, you pay qualifying Medicare cost sharing until the policy deductible is met. The 2026 high-deductible amount is $2,950. The Part B deductible is not a Plan G benefit, although payments toward it can count toward the high-deductible threshold under the policy rules.
The high-deductible amount is not a cap on every household health expense. Premiums and expenses for excluded services still matter. Ask for the insurer's outline of coverage showing which payments count.
Why company quotes differ
Standardized benefits do not create one nationwide price. Insurers use different rating methods, discounts and approved rates. Review the quote after any introductory or household discount ends. A low starting premium does not promise that future increases will be smaller.
Check purchase rights before switching
Outside Medigap Open Enrollment or another protected situation, an application may involve medical underwriting. State rules can provide additional rights. Obtain acceptance and coordinate effective dates before canceling existing coverage.
Compare written quotes for the same letter and deductible version. Massachusetts, Minnesota and Wisconsin use different standardization. A Licensed Insurance Agent can help compare costs without presenting one policy as best for everyone.
Related coverage questions
- Medigap Plan G: Benefits and Costs to Check
- Medigap Plan F Versus Plan G: Benefits, Eligibility and Cost
- UnitedHealthcare Medigap Rate Increases: How to Review Your Notice