One plan. One deductible. Then nothing.
Every company’s Plan G is identical by law. You’re shopping for the price, and the company behind it.
See Plan G prices in your ZIP code.
Every company offering Plan G in your county, with their premium ranges, straight from Medicare.gov’s official Medigap finder. Opens in a new tab. Then call us and we price the ones we represent to the dollar.
What Plan G does.
Medicare pays about 80%. Plan G pays the rest: the 20%, the hospital deductible, skilled nursing, excess charges, even emergencies abroad. After the Part B deductible ($283 in 2026), you pay nothing for covered care all year. You keep Original Medicare and see any doctor in the country who takes it. No network. No referrals.
What it doesn’t do: prescriptions. That’s a separate Part D plan, usually $10 to $50 a month. We pick that with you from your prescription list.
How Medigap plans work
AARP’s short explainer on what a Medicare Supplement does and doesn’t do. Plan G is the one we recommend most, for the reasons on this page.
What you’d pay without it. What you pay with it.
| Benefit | Medicare alone, you pay | With Plan G |
|---|---|---|
| Hospital deductible, per stay | $1,736 in 2026 | |
| Hospital days 61 to 90 | $434 a day | |
| Skilled nursing, days 21 to 100 | $217 a day | |
| Doctors, outpatient, imaging, labs | 20% of every bill, no limit | |
| Part B deductible | $283 in 2026 | $283, once a year |
| Excess charges from doctors who don’t accept Medicare rates | up to 15% more | |
| Emergency care abroad | not covered | 80% after $250 |
Figures from CMS for 2026. 2027 amounts are released in November and updated here the same day.
What it costs.
$130 to $220 a month at 65.
Depending on your state, ZIP code and the company. Same coverage at every price. The spread is the whole point.
The math.
Same plan. Same coverage. Different price.
Plan G, age 65$198a month
Plan G, age 65$148a month
$600 a year,
same coverage.
We find the low one, and we check again before every renewal.
Why the same plan costs $50 more down the street.
How you’re rated.
Most companies price by your age and raise it as you get older. Some don’t. We’ll tell you which is which.
Rate history.
Two companies at the same price today can be $40 apart in five years. We look at the last five before we recommend one.
Your ZIP code.
Premiums are set by county. Two ZIP codes an hour apart can differ by $30 for the same plan.
When you can get Plan G without health questions.
Your first six months on Part B.
Any company, guaranteed, no health questions. This is the window everyone should use.
Leaving employer coverage after 65.
A guaranteed 63-day window when group coverage ends. Plan G, no questions asked.
Birthday rule states.
California, Oregon, Illinois, Idaho, Nevada, Kentucky, Louisiana, Maryland, Oklahoma and others let you switch each year around your birthday. Most other states do not.
Already on Plan G and healthy? Most companies will ask a few questions and let you switch to a lower premium. Same coverage, lower bill. We check first.
Ready when you are.
Licensed, independent Medicare help. No cost to you, ever.
Independent Medicare guidance for people turning 65 and anyone shopping their plan. Plan G and Medicare Advantage, nationwide.
Mon to Fri 9 to 12:30, 2 to 4 and 6 to 8 ET. Sat 10 to 3 ET
info@medsupsforme.comMedSups For Me is a privately owned website and is not connected with or endorsed by the United States government or the federal Medicare program. We are an independent insurance agency licensed to sell Medicare Supplement (Medigap) insurance and Medicare Advantage plans. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program to get information on all of your options.