Medicare Supplement Plan G Providers

Compare Medicare Supplement Plan G providers to find what works for you

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Updated June 12, 2023
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Plan G—an option for new Medicare enrollees since Jan. 1, 2020—offers the closest available coverage to what was Plan F. Medicare Supplement Plan G covers most of the out-of-pocket costs that Original Medicare does not pay for with one exception: your Medicare Plan B deductible. For the 2023 coverage year, this is $226.

Many seniors choose Medicare Supplement Plan G insurance because of its cost-effectiveness and overall coverage, but the entire process of finding a provider can be confusing and overwhelming, so we’re here to help. We’ve gathered the best Medicare Plan G companies and compared them to give you the most comprehensive idea of your possible coverage as you move through the Medicare journey. Each plan covers at least 40 states, and they’ve been further examined based on price, ease of use, educational information, and more.

Medicare Supplement Plan G Providers of 2023

Compare Medigap quotes from multiple Medicare supplement companies with a licensed Medicare representative before buying.

Best for Easy Application : Mutual of Omaha

Mutual_of_Omaha

Mutual_of_Omaha
Pros & Cons
Pros

  • Easy, clean website with reviews available on the same page

  • Simple comparison process that only requires gender, date of birth, and ZIP code

  • Household discount available

  • Moderate prices

Cons

  • Multi-step process to pay online

  • Limited extra benefits other than the household discount

Why We Chose It

Mutual of Omaha’s application process couldn’t be simpler. The front page details each different Medicare Supplemental Plan it has available, and it never navigates away from that page during the comparison process.

It also offers an easy-to-read chart for services covered under Medicare Supplement Plan G and lets you create an account or apply as a guest, allowing faster comparisons. Applying with either type of account requires information from your Medicare card, your social security number, and your medications to allow for an accurate estimate. You also can save your application and return to it later, but you will have to create an account to do so.

Best in Pricing : Aetna

Aetna

Aetna
Pros & Cons
Pros

  • All-inclusive premiums

  • Plans are easy to compare

  • Only requires basic personal information to be entered once

  • Household discount available

Cons

  • Limited educational information available on the page

  • No way to select and purchase a plan directly from the comparison page; a phone call is required

  • No extra benefits

Why We Chose It

Pricing can be challenging to estimate since everyone has a different personal situation, and costs may vary from state to state. Aetna offers competitive pricing when compared to other providers. As with other plans, there is both a standard option and a high-deductible option, and your monthly premium will be affected by your choice.

While quotes are available online after entering personal details—like gender, ZIP code, date of birth, and plan start date—in the rate calculator, the option to continue the process from there is not. You will need to create an account or call a representative to move forward with the coverage process.

Aside from the household discount, there aren’t any extra benefits included with this plan. It only fills in the federal government’s gaps for Medicare Part A and B coverage (20% of the remainder of Medicare-approved costs). If you need more discounts or extra support, it may be better to pay a bit more to get the exact coverage you need.

Best in Extra Benefits : Humana

Humana

Humana

Choose between the standard and high-deductible plan by determining whether you currently have significant health care needs. If you do, then paying a higher monthly cost with no deductible may make more sense.

Pros & Cons
Pros

  • Covers Medicare Plan A & Plan B coinsurance and skilled nursing facility care coinsurance

  • Easy-to-use website with clearly explained information

  • Many extra benefits such as the wellness program

Cons

  • Doesn’t cover Medicare Part B deductible

  • Some extra benefits may not be necessary for everyone (e.g., vision and hearing care discounts).

Why We Chose It

Humana has a string of extra benefits for those who enroll in Medicare Plan G, whether it's the regular or the high-deductible option. The regular plan has premiums that vary with location and benefits. While the high-deductible plan is on the lower end of the cost spectrum, you must first pay your deductible to get benefits.

You can buy Medicare supplement insurance from many providers in your state, but a Humana policy includes some perks other providers don’t offer, including a 24-hour nurse phone line, SilverSneakers wellness program, and even access to Humana Transplant Centers—which helps you navigate the complex world of transplant care and make informed decisions.

It also offers a personalized savings program for eye exams and a wellness rewards program called Go365, which rewards you for completing healthy actions like getting a flu shot or participating in a workout class.

Humana is worth checking out if you want a more personalized experience and a concierge-like service throughout your Medicare Supplement program experience.

Best for Comparison Shopping : AARP

AARP

AARP
Pros & Cons
Pros

  • Information collected in one place, without being overwhelming

  • Easy-to-navigate website

  • Offers rates for various locations

Cons

  • Difficult to get customer service on the phone

  • No added benefits

Why We Chose It

AARP breaks down each different area of Medicare, allowing you to select precisely the coverage you want. AARP itself is not an insurance company, but it is a great resource and offers its plans through insurance giant UnitedHealthcare.

Comparing prices is also easy. Just enter your ZIP code, and you'll be redirected to a page where you can view all the plans available to you. Whether it's Medicare Advantage or Supplemental Medicare plans like Plan G or Part D, you can view offerings without having to re-enter your information every time.

To view the list of available Supplemental Plans, you will need to enter additional data like your date of birth, effective dates of Medicare Plans A and B, and the date you want your Supplemental Medicare Plan to start.

Best Detailed Plan Descriptions : Cigna

Cigna

Cigna
Pros & Cons
Pros

  • Smooth, clean website with a lot of educational information about the plan options

  • Offers a Health Information Line staffed by nurses 24 hours a day

  • Educational information about Plan G and Medicare available on website

  • Household discount may be available.

Cons

  • No quotes or comparisons without entering personal contact information

  • No other extra benefits

  • Household discount not available in four states, and is only available to spouses for residents in the state of Washington

Why We Chose It

Cigna gives potential customers plenty of information, providing lots of detail and background information for each of its plans and the coverage available with each benefit. While this helps to compare coverage, Cigna does not offer the ability to get a free quote without entering personal information such as age, gender, Plans A and B start date, and your current insurance situation. You also must provide your email address and phone number, allowing Cigna to contact you to discuss your plan options.

If you’re fairly confident in Cigna as one of your final options, this is a fair request since most providers need that information at some point during the enrollment process. However, you may find it disquieting to provide that much information to Cigna if you’re still undecided about which plan to choose.

Household discounts are not available in Hawaii, Idaho, Minnesota, and Vermont.

How to Shop and Compare Medicare Supplement Plan G 

Step 1: Determine If You Are Eligible to Enroll in Medicare

Medicare enrollment eligibility begins three months before you turn 65 and extends for the three months after unless you're eligible earlier due to disability. Otherwise, you can enroll during Open Enrollment, which runs from Oct. 15 through Dec. 7 each year. After that, there's no ability to enroll, only the option to adjust coverage you already are enrolled in. Changes in coverage begin in January. Every provider we look at has an eligibility check when providing you estimates, which will tell you if you're eligible to enroll or not.

Step 2: Decide If You Want to Enroll in Medicare Parts A and B, or a Medicare Advantage Plan

You must be enrolled in both Medicare Part A and Part B before you are eligible to enroll in any Medicare Supplement Plan. If you choose to enroll in a Medicare Advantage Plan, you cannot enroll in a Supplement Plan. 

Step 3: Find Out What Medicare Supplement Plan G Plans Are Available in Your Area

Not every provider offers every Supplement plan, and not every provider has plans available in every location. Most Supplemental Medical Insurance providers will ask for your ZIP code when you're preparing your personalized estimate, which will let you know immediately if the provider covers your area.

Just because a plan covers your state doesn’t mean it covers your area, so make sure you enter your ZIP code correctly to see the plans available in your county.

Step 4: Determine If You Would Like a Regular or a High-Deductible Plan G

As you might have guessed, a high-deductible Plan G comes with a higher out-of-pocket payment than regular Plan G, but with lower monthly premiums. It’s important to do your homework; the trade-off is that with a high-deductible Plan G, there is a potential to have to pay an additional amount ($2,700 in 2023) before receiving the benefits. You’ll need to determine the best choice for your budget, and if paying a higher monthly premium is worth it to you, to not have to pay out-of-pocket costs throughout the year.

Step 5: Check Plan Pricing and Coverage

Cost is often a determining factor in many purchases. Medicare supplement insurance providers may have different costs for the same care, while some may go above and beyond the basic level of care required by law.

The federal government mandates all Medicare Supplement Plan G coverage. All plans will cover the same basics: nursing home care, extended hospital care, blood transfusions, etc. Some providers may offer more, but the cost may be higher with those plans.

Step 6: Get An Expert Opinion

An insurance broker or consultant can be a valuable asset. They have more access and knowledge than the average person might, and they sometimes can negotiate better prices for Medigap plans, or at the very least, provide additional guidance throughout the insurance-buying process. Plus, using a broker or consultant does not increase your costs, since they receive commissions from the insurance companies. Furthermore, an insurance broker has stringent rules set by the government to ensure the process is handled easily and fairly for you, the customer.

Step 7: Sign Up for Coverage

Once you have decided which Supplement Plan G is right for you, you can register directly with the insurance provider, usually online or by telephone. Remember: during Medicare Open Enrollment, anyone eligible may enroll in Medicare and pick any supplemental insurance they may need.

What Is Included in Medicare Supplemental Plan G?

Medicare Plan G covers almost everything Original Medicare does not. It doesn’t extend the scope of care, just the amount of coverage included. Plan G coverage includes excess charges leftover from the 80% that Original Medicare does not cover, including Part A and Part B copays and Part A’s deductible. The other big difference: Plan G does not cover the Part B deductible, which needs to be met. However, that payment does count toward the Plan G deductible as well.

What Is the Difference Between Plan F and Plan G for Medicare Supplement Plans?

There are some differences between Plan F and Plan G. Plan F covers the Plan B deductible, and Plan G does not, but Plan F was phased out as of Jan. 1, 2020. Plan F is now available only to those who were eligible for Medicare before that date. Plan G is a popular replacement because both offer identical benefits aside from the Plan B deductible coverage.

You can switch Medicare Supplement plans at any time by submitting a new application. In most states, you will have to answer medical questions to be approved. Call your provider to find out whether you need to fill out a medical health questionnaire to switch.

Is Medicare Plan G Going Away?

Not any time in the foreseeable future. Plan F was phased out as of Jan. 1, 2020, but Medicare Supplement Plan G is intended to replace it.

Is Plan G the Best Medicare Supplement Plan?

It really depends on what you want. Suppose you’re looking for a comprehensive basic Medicare Supplement plan. In that case, for coverage that fills in gaps not provided by Original Medicare, Plan G is a good option, especially if you recently became eligible for Medicare and can’t sign up for Plan F.

However, if you want more bundled coverage, dental or vision coverage, or don’t think you’ll need the benefits Plan G offers (such as an extended hospital or hospice care), another Medicare Plan might be better for you.

What Is the Average Cost for Medicare Plan G?

The cost depends on your situation, location, health history, and the carrier you choose. Compare Medigap Plan G providers to find the best rate for you.

Does Plan G Cover Dental?

No. Some providers may offer dental discounts, but there is no dental coverage included in Plan G. You can choose a Medicare Advantage plan if you want extra perks like dental.

Can I Keep My Plan G If I Move to Another State or Country?

If you move to another state and your plan's Supplement Plan G is available in your new location, you can keep your plan. If it's not available in your new location, you may need to switch plans or providers if other companies offer Plan G coverage in your new area. You can keep your Medicare Plan G coverage if you move to another country, although it wouldn't cover care other than emergency care visits—and that's after a $250 deductible.

If you plan to move back to the U.S., it may be worth keeping Medicare Plans A and B, though Plan B may incur higher premiums. It depends on how long you plan to be gone and other insurance options for you in your new home country.

What Is the Difference Between Plan G and Plan G With a High Deductible?

The difference between a regular Plan G plan and a High Deductible Plan G plan is the deductible amount and coverage timing. With a standard Supplement Plan G, you’re covered immediately and are responsible only for the $226 Part B deductible, plus your monthly premium. With a high-deductible Plan G, your coverage begins once you pay your $2,700 deductible, which then covers all future out-of-pocket costs. 

Determining which one is best for you depends on your situation and if you need the coverage Plan G provides immediately or if it makes more sense to pay the lower premiums until that higher deductible is met.

How We Chose the Best Medicare Supplement Plan G Companies

When we set out to select the five best Medicare Supplement Plan G providers, the first thing we looked at was geographical coverage. We made sure that the plans we mention here cover at least 40 states to allow for the most possible coverage for as many people as possible. From there, we determined the five best plans by studying pricing, ease of website use and application, educational information, extra benefits, and more.

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 or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

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Best Medicare Supplement Plan G Providers

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Article Sources
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  1. CMS.gov. "2023 Parts A and B Premiums and Deductibles."

  2. U.S. Centers for Medicare and Medicaid Services. "Joining a Health or Drug Plan."

  3. Centers for Medicare and Medicaid Services. "How Do Medicare Advantage Plans Work?"

  4. CMS.gov. "F, G & J Deductible Announcements."

  5. Centers for Medicare and Medicaid Services. "Agent and Broker (Health Insurance)."

  6. Centers for Medicare and Medicaid Services. "Switching Medigap Policies."

  7. Centers for Medicare and Medicaid Services. "Medigap & Travel."