Why Plan G Might Be the Golden Standard
Why Plan G Might Be the Golden Standard
Peace of mind with predictable costs.
“Predictability brings peace of mind.” — Tony Robbins
When it comes to Medicare Supplement (Medigap) plans, one letter stands above the rest: Plan G. Known for its comprehensive coverage, simplicity, and predictability, Plan G has quickly become the most popular Medigap plan for new enrollees.
If you're nearing 65—or looking to upgrade your coverage—here's why Plan G may be the smartest choice you can make.
What Does Plan G Cover?
Plan G is one of the most comprehensive Medigap plans available. It covers:
✅ Medicare Part A coinsurance and hospital costs
✅ Part A hospice care coinsurance or copayment
✅ Part B coinsurance or copayment
✅ First three pints of blood
✅ Skilled nursing facility care coinsurance
✅ Part A deductible ($1,632 in 2025)
✅ Foreign travel emergency coverage (up to plan limits)
✅ Part B excess charges (if your provider charges more than Medicare’s approved amount)
What’s NOT covered: The only thing Plan G doesn’t pay for is the Part B deductible, which is $240 in 2025. That’s it.
Why Is Plan G So Popular?
Plan G has become the “go-to” plan because it offers:
Almost complete coverage of what Original Medicare doesn’t pay
Nationwide provider access (no networks or referrals needed)
Predictable out-of-pocket costs that help with budgeting
Peace of mind that a surprise illness won’t become a financial burden
If you’re comfortable paying your small Part B deductible each year, Plan G gives you everything else covered.
Plan G vs. Plan F: Why G Now Leads
You might have heard of Plan F, which covers even the Part B deductible. However, Plan F is only available to those who were eligible for Medicare before January 1, 2020.
For everyone new to Medicare since then, Plan G is the most comprehensive option available—and often less expensive than Plan F even after accounting for the deductible.
Plan G vs. Plan N: What’s the Difference?
| Feature | Plan G | Plan N |
|--------------------------|------------------------------|----------------------------------------|\n
| Part B deductible | You pay | You pay |\n
| Part B excess charges | Covered | Not covered |\n
| Doctor visit copays | None | Up to $20 |\n
| ER visit copays | None | Up to $50 (waived if admitted) |\n
| Monthly premium | Higher than N | Lower than G |
Plan N is great if you want a lower premium and don’t mind small copays. But if you want true peace of mind and simplicity, Plan G wins every time.
Who Should Consider Plan G?
Plan G is ideal for:
✅ Individuals who see multiple specialists or have chronic conditions
✅ Anyone who wants no surprises at the doctor’s office
✅ Travelers who want nationwide coverage
✅ People who want to lock in their health security for the long haul
What About the High-Deductible Plan G?
For healthier individuals or budget-conscious retirees, there’s a High-Deductible Plan G option. You pay a lower monthly premium but are responsible for more out-of-pocket costs (up to a deductible of $2,800 in 2025) before full coverage kicks in.
This plan works well if you rarely visit the doctor but want catastrophic protection in case of a major health issue.
How KEyO Insurance Services Can Help
At KEyO, we help you compare Plan G rates across top-rated carriers so you get the most value for your money. Whether you're retiring, losing employer coverage, or aging into Medicare, our team will walk you through your options, handle the paperwork, and ensure you're never caught off guard.
With Trusted Care. Tailored for You., KEyO makes finding the right Medigap plan simple, stress-free, and smart.
Final Thought:
Plan G is popular for a reason—it delivers premium protection with minimal hassle. If you want to enjoy your retirement without worrying about medical bills, Plan G might just be your golden ticket.
