Best Medicare Plan G 2025
Here’s how to find the best Medicare Plan G 2025 rates and save thousands. Compare rates from multiple leading Medigap insurance companies. Determine any discounts you might be eligible for now or in the future. Ask for the company’s history of rate increases.
The majority (53.8%) of men and women turning 65 and purchasing Medigap insurance selected Plan G. According to the American Association for Medicare Supplement Insurance annual study of what Medigap plan seniors choose. Plan N is the second most popular choice. Some 39.5% chose Medigap Plan N.
Here are the most important things to know when considering Medigap Plan G.
- All Plan Gs are essentially identical.
- The number of insurance companies offering Plan G will be based on where you live.
- Each insurer decides what they charge.
- No Medigap insurer is always the least expensive.
- Neither is one insurer the most expensive.
- Insurers may offer a variety of discounts. They can range from 0% to 14%.
- Other ways to save money may be available.
What Is Medicare Plan G 2025?
Medicare Plan G, also known as Medigap Plan G, is a type of Medicare Supplement Insurance. It is designed to help cover the out-of-pocket costs that Original Medicare (Part A and Part B) does not pay. This plan is particularly popular among beneficiaries due to its comprehensive coverage options.
Plan G covers a wide range of expenses that are typically left unpaid by Original Medicare. Here are the key benefits provided by Plan G:
- Firstly, Part A Coinsurance and Hospital Costs: Covers coinsurance for hospital stays and additional costs for up to 365 days after your Medicare benefits are exhausted.
- Secondly, Part A Deductible: Pays the deductible amount for inpatient hospital stays.
- Thirdly, Part A Hospice Care Coinsurance: Covers coinsurance or copayments for hospice care services.
- Fourthly, Part B Coinsurance or Copayment: Covers the 20% coinsurance for outpatient services after you meet your Part B deductible.
- Plus – Part B Excess Charges: Provides coverage for excess charges from healthcare providers who may bill more than what Medicare approves (this is rare).
- Blood Transfusions: Covers the cost of the first three pints of blood needed each year.
- Skilled Nursing Facility Care Coinsurance: Pays coinsurance for skilled nursing facility care after a qualifying hospital stay.
- Finally, Foreign Travel Emergency Coverage: Offers emergency medical care while traveling outside the U.S., subject to certain limits.
What Doesn’t Medigap G Cover?
- The Medicare Part B deductible, which must be paid before Plan G starts covering Part B expenses.
- Long-term care services (like non-skilled nursing home care).
- Private-duty nursing services.
- Outpatient prescription drugs (unless covered under Part B).
How Do You Find A Medicare Plan G Insurance Agent?
The best way to save on Medigap Plan G is by putting a good Medigap agent to work for you. First, you should find one locally who knows Medigap. Some agents today sell only Medicare Advantage. Others sell both MA and Medigap.
Secondly, ask how many Medigap insurers they represent. Good ones will be appointed with the bigger insurers. But maybe not all. So ask specifically what companies the like.
And, finally, access the Association’s free online directory of Medigap agents 2025. We list Medigap agents by Zip Code. It’s free to use and completely private.
Click to find Medigap Plan G insurance agents near me
What Is High Deductible Medigap Plan G?
In some states, there is also a high-deductible option available for Plan G, where beneficiaries must pay a higher deductible ($2,800 in 2024) before their coverage kicks in.
As of 2024, the following states offer High Deductible Plan G:
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Florida
- Georgia
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Michigan
- Minnesota
- Missouri
- Nebraska
- Nevada
- New Hampshire
- North Carolina
- Ohio
- Oregon
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Virginia
- Washington
It’s important to note that while many states offer this plan, not all insurance companies provide it in every state. Therefore, individuals interested in enrolling should check with specific insurers for availability in their area.
Medicare Plan G 2025 New York
The following information is based on the 2024 Medigap Plan G Price Index published annually by the American Association for Medicare Supplement Insurance.
Insurers offering Medigap Plan G to men and women turning 65 in New York City (Zip Code 10012):
- Globe Life Insurance
- Humana
- Mutual of Omaha
- UnitedHealthcare (AARP)
Male – Lowest Price: $306-per-month
– Highest Price: $526.85-per-month
Female – Lowest Price: $306-per-month
– Highest Price: $526.85-per-month
Click to find a Medicare Agent in New York.
Medicare Plan G 2025 Chicago
The following information is based on the 2024 Medigap Plan G Price Index published annually by the American Association for Medicare Supplement Insurance.
Insurers offering Medigap Plan G to men and women turning 65 in Chicago, IL (Zip Code 60601):
- Ace Property & Casualty Insurance
- Aetna Health Insurance Co
- Aflac
- Allstate Health Solutions
- American Benefit Life
- Bankers Fidelity
- Blue Cross / Blue Shield
- Globe Life And Annuity
- Guarantee Trust Life
- Humana
- Manhattan Life
- Medico Ins Co
- Omaha Insurance Company
- New Era Life
- Physicians Mutual
- United American
- UnitedHealthcare Ins Company (AARP)
- WoodmenLife
Male – Lowest Price: $114.17-per-month
– Highest Price: $270.76-per-month
Female – Lowest Price: $116.30-per-month
– Highest Price: $235.04-per-month
Click to find a Medicare Agent in Chicago.
Medicare Plan G 2025 Houston
The following information is based on the 2024 Medigap Plan G Price Index published annually by the American Association for Medicare Supplement Insurance.
Insurers offering Medigap Plan G to men and women turning 65 in Houston, Texas (Zip Code 77001):
- Ace Property & Casualty Insurance
- Aetna Health Ins Company
- Aflac
- Allstate Health Solutions
- American Benefit Life
- Blue Cross / Blue Shield
- Elips Life Ins Co
- Guarantee Trust Life
- Humana
- Manhattan Life
- Medico Ins Co
- Mutual Of Omaha Ins Co
- Nassau Life
- Philadelphia Life
- Physicians Mutual
- United American
- UnitedHealthcare Ins Co
- Wellpoint (Anthem)
- WoodmenLife
Male – Lowest Price: $131.81-per-month
– Highest Price: $279.57-per-month
Female – Lowest Price: $116.67-per-month
– Highest Price: $235.04-per-month
Click to find a Medicare Agent in Texas.
Medicare Insurance Information Statistics Resources
Access relevant Medicare insurance statistics and information using these links.
Another key report to check is the 2024 Medicare Supplement Price Index – PLAN G. See the lowest and highest premium rates for top-10 U.S. markets.
Secondly compare PLAN N Price Index rates. Lowest and highest rates for top-10 U.S. cities.
Especially research ways to find the best Medicare insurance plan.
Likewise valuable info is our Medicare Supplement insurance statistics – what plans people turning age 65 choose.
Lastly find best long-term care insurance costs – free insurance quotes.