➤ What does Plan G not cover?
Plan G does not pay the Part B deductible, so you cover that yourself each year. It also excludes things no Medigap plan covers, including prescription drugs, routine dental and vision, hearing aids and long-term custodial care.
➤ When is the best time to buy a Medigap plan?
Buy during your six-month Medigap Open Enrollment Period, which starts the first month you are 65 or older and enrolled in Part B. In that window insurers cannot reject you or price your Plan G higher because of health conditions.
➤ Do Medigap plans cover prescription drugs?
No. Plan G’s coverage chart includes no drug benefit, so you should add a separate Part D plan. In 2027 the highest allowed Part D deductible is $700 and out-of-pocket drug spending is capped at $2,400 for the year.
➤ What does Medicare Plan G cover?
Plan G pays the gaps Original Medicare leaves behind except the Part B deductible. That includes Part A and Part B coinsurance, the Part A deductible, Part B excess charges and foreign travel emergency care, so most remaining bills come to you as little or nothing.
➤ Does Plan G pay the Part A deductible?
Yes. Plan G covers the Part A hospital deductible, which is $1,736 per benefit period in 2026. That means an inpatient stay generally leaves you with no Part A deductible to pay out of pocket.
➤ Does Plan G cover Part B excess charges?
Yes. If a doctor who does not accept Medicare assignment bills up to the allowed excess amount, Plan G pays it. Plan N does not, which is one of the main coverage differences between the two plans.
➤ How does Plan G compare with Plan N?
Plan N usually has lower premiums but adds cost sharing. You may owe up to $20 for office visits and up to $50 for ER visits, waived if admitted, and Plan N skips excess charges, while Plan G covers both.
➤ What is the High-Deductible Plan G deductible for 2027?
It is $3,050 for 2027, rising from $2,950 in 2026. After you pay that amount in covered costs, the plan pays the same benefits shown on the standard Plan G chart for the rest of the year.
➤ Does Plan G cover emergencies abroad?
Yes. Plan G pays 80% of emergency care during foreign travel after a $250 deductible, up to a $50,000 lifetime maximum. Original Medicare alone generally does not cover care outside the United States, so this benefit can matter if you travel often.
