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Medicare Plan G

What Medigap Plan G covers in 2026, how it compares with Plan N and high-deductible Plan G, and a calculator for your total yearly cost.

Updated November 4, 2026. Free, no sign-up; everything runs in your browser and nothing you type is stored.

Medicare Plan G cost comparison (2026)

Plan G premium ($/month)Plan N premium ($/month)High-deductible G premium ($/month)Doctor visits with a copay per yearER visits per yearMedicare-covered costs you'd owe without Medigap ($/year)

Plan G: premiums + Part B deductible

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–Plan N: premiums + deductible + copays

–High-deductible G: premiums + costs up to $2,950

What Medicare Plan G covers

Medigap Plan G pays almost all of Original Medicare's gaps, including the Part A hospital deductible ($1,736 per benefit period in 2026), Part A coinsurance, Part B coinsurance and Part B excess charges. You pay only the Part B deductible, $283 in 2026, plus your Plan G premium (medicare.gov).

Plan G vs Plan N vs high-deductible G

Plan N also leaves the $283 Part B deductible, plus copays of up to $20 for some office visits and up to $50 for ER visits that don't lead to admission, and it doesn't cover excess charges. Premiums are usually lower.
High-deductible Plan G (in some states): you pay up to $2,950 in 2026 for Medicare-covered costs before it pays, in exchange for a much lower premium.

Premiums vary by insurer, state, age and sex; get quotes and compare total yearly cost with the calculator. The best time to buy is your six-month Medigap open enrollment period starting when you're 65 and enrolled in Part B.

Common questions

What does Medicare Plan G not cover?

The Part B deductible, $283 in 2026.

What is the high-deductible Plan G deductible for 2026?

$2,950.

Is Plan N cheaper than Plan G?

Premiums are usually lower, but you pay copays of up to $20 per office visit and $50 per ER visit plus any excess charges.

Sources

More retirement calculators: Medicare D · Medicare Enrollment · Mega Backdoor Roth · Net Unrealized Appreciation

General information, not financial, tax or legal advice. Check important numbers with the official source before acting on them.