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

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated November 11, 2026

Medicare Supplement Plan G covers 100% of the cost-sharing Original Medicare leaves behind for approved care, except the Part B deductible ($283 in 2026, projected at $292 for 2027). That includes the Part A hospital deductible, daily hospital and skilled nursing coinsurance, an extra 365 hospital days, the 20% Part B coinsurance, Part B excess charges, the first three pints of blood, hospice cost-sharing and 80% of emergency care abroad.

2027 by the Numbers

$1,736

2026 Part A deductible Plan G pays per benefit period (CMS)

$434/day

2026 hospital coinsurance, days 61-90, paid by Plan G (CMS)

$217/day

2026 skilled nursing coinsurance, days 21-100, paid by Plan G (CMS)

365 days

extra lifetime hospital days Plan G adds after Medicare’s run out

Every Plan G policy sold in 47 states and Washington, D.C. carries the same set of benefits, because federal law standardizes the plan letters. The coverage details below are the same whether the policy comes from a national insurer or a regional Blue plan.

Instead of repeating that Plan G is comprehensive, this page puts a 2026 dollar figure next to each benefit line so you can see what the policy is actually standing behind. For a printable grid of all plan letters, see our Plan G coverage chart.

✔ Licensed in all 50 states
✔ Based on CMS 2027 data
✔ Free plan comparison

Key Highlights

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Plan G has nine standardized benefit lines and pays eight of them in full.

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The one gap is the Part B deductible, projected at $292 for 2027.

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Hospital and nursing home coinsurance it covers can reach five figures in a long stay.

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Plan G pays only for care Medicare approves; it adds no drug, dental, vision or hearing benefits.

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The Nine Benefit Lines on Every Plan G Policy

Benefit line Plan G pays What it covers
Part A coinsurance and hospital costs 100% Daily coinsurance plus 365 extra days after Medicare benefits end
Part B coinsurance or copayment 100% The 20% left after Medicare pays doctor and outpatient bills
Blood (first 3 pints) 100% Pints Medicare does not cover each year
Part A hospice coinsurance or copayment 100% Drug copays and respite care coinsurance
Skilled nursing facility coinsurance 100% Daily charge for days 21-100
Part A deductible 100% Charged per benefit period
Part B deductible 0% You pay it each year
Part B excess charges 100% Up to 15% above Medicare’s approved amount
Foreign travel emergency 80% After a $250 deductible, up to plan limits

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.

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Hospital Coverage Measured in Dollars

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.

Stage of a hospital stay (2026) Your share under Medicare alone Paid by Plan G
Deductible, days 1-60 $1,736 per benefit period $1,736
Days 61-90 $434 a day, up to $13,020 Up to $13,020
Lifetime reserve days (60 total) $868 a day, up to $52,080 Up to $52,080
After reserve days are used All costs 100% of Medicare-approved amount for 365 more days

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.

Key detail: The 365-day hospital benefit is a lifetime extension, not a yearly one. It applies only after Medicare’s 90 covered days and 60 lifetime reserve days are used.

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Skilled Nursing and Hospice Details

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.

Days 1-20

Medicare pays in full

Days 21-100

Plan G pays $217/day (2026)

Day 101 on

Neither pays

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.

The Part B Side: Doctors, Tests and Outpatient Care

1

You pay the Part B deductible $283 in 2026; Medicare projects $292 for 2027. Plan G does not cover it.

2

Medicare pays 80% After the deductible, Medicare pays 80% of the approved amount for covered services.

3

Plan G pays the 20% The remaining coinsurance on office visits, surgery, imaging, therapy and durable equipment.

4

Plan G pays excess charges If a doctor does not accept Medicare assignment, they may bill up to 15% above the approved amount, and Plan G pays it.

States that ban or restrict Part B excess charges

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Connecticut, Massachusetts, Minnesota, New York

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Ohio, Pennsylvania, Rhode Island, Vermont

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.

Coverage Away From Home

Inside the United States

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Any doctor or hospital that accepts Medicare

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No referrals and no network

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Same benefits in every state you visit

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Exception: Medicare SELECT versions limit hospitals

Outside the United States

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Emergency care only

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$250 deductible each year

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Plan pays 80% after that

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$50,000 lifetime maximum

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Care must begin in the first 60 days of a trip

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.

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What Sits Outside Plan G

Not covered by any Plan G

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Prescription drugs at the pharmacy, which need a separate Part D plan

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Routine dental care, eyeglasses and hearing aids

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Long-term custodial care in a nursing home or at home

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Private-duty nursing

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Any service Medicare denies or does not cover

Rule of thumb: If Medicare says no to a claim, Plan G also says no. The policy follows Medicare’s decisions and adds nothing beyond Medicare-covered services.

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.

Details That Stay the Same at Every Insurer

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

Guaranteed renewable

The insurer cannot cancel for health reasons while premiums are paid

Standard benefits

Same nine lines at every company

Price varies

Premiums, discounts and rating methods differ

Extras vary

Some insurers add gym or vision discounts outside the policy

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.

Bottom Line

The Bottom Line

Plan G pays every Medicare cost-sharing line in full except the Part B deductible, with hospital and skilled nursing benefits that can be worth tens of thousands of dollars in a long stay. It pays only for Medicare-approved care, so pair it with Part D and plan separately for dental, vision, hearing and long-term care.

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Frequently Asked Questions

➤ Does Plan G pay the Part A deductible every time I go to the hospital?

Yes. Plan G pays the Part A deductible for each benefit period, which was $1,736 in 2026, even if you have more than one benefit period in a year.

➤ How many hospital days does Plan G add?

It adds up to 365 extra lifetime days of hospital care at the Medicare-approved amount, after Medicare’s 90 covered days and 60 lifetime reserve days are used.

➤ Does Plan G cover a nursing home stay?

It covers skilled nursing facility coinsurance for days 21-100 after a qualifying stay. It does not cover long-term custodial care or anything after day 100.

➤ Are excess charges a real risk with Plan G?

Plan G pays them in full, so you do not owe them. They matter only when a provider does not accept Medicare assignment, and eight states ban or restrict them.

➤ Does Plan G cover hospice?

Yes. It pays the small drug copays and the respite care coinsurance under Medicare’s hospice benefit. It does not pay room and board in a nursing home.

➤ What does Plan G pay for emergencies abroad?

It pays 80% of emergency care outside the United States after a $250 yearly deductible, up to a $50,000 lifetime limit, for care that starts within the first 60 days of a trip.

➤ Is a Medicare SELECT Plan G the same coverage?

It has the same benefit lines, but it uses a network of hospitals, and sometimes doctors, for non-emergency care in exchange for a lower premium.

➤ Do Plan G coverage details differ in Minnesota or Wisconsin?

Yes. Massachusetts, Minnesota and Wisconsin standardize Medigap differently and do not sell Plan G under that letter, though their plans can offer similar coverage.

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Call a Licensed Agent Now

Compare Plan G, Plan N and more from several insurance companies in one call.

☎ 1-855-398-0716

TTY users 711  |  Mon–Fri: 5am–7pm, Sat–Sun: 7am–4pm CT

No obligation to enroll

Find & Compare Plans Online

Speak with a licensed insurance agent

1-855-398-0716TTY 711

Mon-Fri: 8am-9pm ET

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