Medicare Supplement Plan G 2027: What It Covers, What It Costs and Who It Fits

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 27, 2026

Plan G has become the default choice for many people joining Medicare, and the reason is simple: it leaves almost nothing to chance. Once you’ve met the Part B deductible, Medicare-approved care costs you nothing more for the rest of the year, whether that’s a hospital stay, rehab in a nursing facility or a long run of specialist visits.

Below: each Plan G benefit with CMS dollar amounts, a full year of costs with two hospital stays, and what Plan G leaves out.

Medigap Plan G is one of the standardized lettered plans, so its benefits are set by federal rules, not by the insurer. Only the price, discounts and rate history change from company to company.

Medicare pays its share of an approved claim first, then Plan G pays the rest of your share. The only Medicare cost it never picks up is the Part B deductible, paid once a calendar year.

For the full lineup of plan letters, see our guide to Medicare Supplement plans.

These are CMS’s 2026 amounts. CMS normally releases the 2027 Part A and Part B figures in November, and Plan G pays the same share of whatever they turn out to be.

Foreign travel coverage has limits: the emergency has to begin in the first 60 days of a trip, and there’s a $50,000 lifetime maximum, according to Indiana’s State Health Insurance Assistance Program.

The Part A deductible isn’t a once-a-year charge. Medicare bills it once per benefit period, which starts the day you’re admitted as an inpatient and ends after you’ve gone 60 days in a row without inpatient hospital or skilled nursing care, as Wisconsin’s Board on Aging and Long Term Care explains. Go back into the hospital after that and a new benefit period, with a new deductible, begins.

So a person with a spring surgery and a fall readmission could owe the deductible twice in one year: $3,472 at 2026 rates. Plan G pays every one of them.

We built a hard year from CMS figures. Our assumptions: CMS’s 2026 amounts stand in for 2027; the person is admitted in March, spends 25 days in a skilled nursing facility afterward, then is readmitted in October after more than 60 days at home; and over the year they get $12,000 of Medicare-approved Part B care, including one specialist who doesn’t accept assignment and adds a $60 excess charge.

That’s $7,243 of Medicare cost sharing. With Plan G, the plan pays $6,960 and you pay $283, the Part B deductible, plus your premiums. Without any supplement, the whole $7,243 would be yours, and Original Medicare has no yearly out-of-pocket limit.

Plan G only fills gaps in services Medicare covers. Medicare’s official guide to choosing a Medigap policy lists the things Medigap doesn’t cover, and Plan G is no exception:

Medicare.gov says Medicare won’t pay opted-out providers except in emergencies, and since Plan G pays only after Medicare approves a claim, it generally won’t either. Doctors who just don’t accept assignment are different: Plan G covers their excess charges. For hearing care specifically, see does Medicare Plan G cover hearing aids.

Plan G is usually weighed against three neighbors, each with its own guide:

With identical coverage, the premium is the real difference between companies. Rates depend on your age, the company’s rating method (attained-age, issue-age or community), your ZIP code, gender and tobacco use.

Also weigh how a company’s rates have moved over time (see Medicare Supplement rate increases) and discounts, such as a household discount.

We don’t list sample premiums because they vary too much by state and age. For pricing across plan letters, read Medicare Supplement plans cost, or get real Plan G quotes for your ZIP code.

Plan G works only with Original Medicare, not with a Medicare Advantage plan. Our list of the best Medicare Supplement companies is a good place to start.

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