Medicare Supplement Plan G Coverage Details: Every Benefit Line and What It Is Worth

Standardized Medigap benefits. Massachusetts, Minnesota and Wisconsin use their own standardized plans and do not sell a Plan G under that letter.

The plan’s only job is to pick up these shares. It does not change what Medicare approves, and it pays after Medicare processes the claim.

Part A hospital costs are where Plan G carries its biggest numbers. Using CMS’s 2026 amounts, here is what each stage of a long inpatient stay is worth.

Dollar totals are our calculations from CMS 2026 Part A cost-sharing figures. CMS had not released 2027 Part A amounts when this page was updated.

Medicare covers the first 20 days in a skilled nursing facility in full after a qualifying inpatient hospital stay. For days 21 through 100, a daily coinsurance applies, which was $217 in 2026. Plan G pays that charge, a total of up to $17,360 over 80 days by our math.

Under the Medicare hospice benefit, you can owe up to $5 per prescription for symptom and pain drugs and 5% of the Medicare-approved amount for inpatient respite care. Plan G covers both. Room and board in a nursing home where you receive hospice care is not a Medicare cost, so Plan G does not pay it.

In those eight states, the excess-charge line is worth less, because doctors there generally cannot bill above Medicare’s amount for care in the state. Elsewhere, it protects you when a specialist does not take assignment.

Medicare SELECT is a version of Plan G sold in some states that uses a network of hospitals, and sometimes doctors, in exchange for a lower premium. Outside an emergency, care from non-network providers may not be covered by the SELECT policy, so check the policy name before you buy.

To fill the drug gap, people with Plan G usually add a stand-alone plan. Our Medicare Part D guide explains the 2027 $2,400 out-of-pocket cap.

Coverage is identical across companies, but several features around the coverage are also fixed by law.

Since the benefits match, the practical choice is about price, rate history and service. Our page on whether all Plan G supplements are the same looks at those differences.