Medicare Supplement Plan G 2027
Medicare Supplement Plan G 2027: Coverage, Costs and What You Still Pay
Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 29, 2026
Medicare Supplement Plan G in 2027 pays every gap in Original Medicare except the Part B deductible, which is projected at $292. After you pay that deductible, Plan G covers the rest of your Medicare-approved costs for the year, including hospital stays, the 20% Part B coinsurance and Part B excess charges, with any doctor who accepts Medicare.
2027 by the Numbers
$292
projected 2027 Part B deductible, the only Medicare gap Plan G leaves (Trustees)
$164.31
lowest Plan G monthly price, man 65, NJ September 2026 chart
$3,050
2027 deductible for the high-deductible version of Plan G (CMS)
Plan G has become the default Medicare Supplement plan for people new to Medicare because it is the most complete plan they are allowed to buy. Plan F, which also pays the Part B deductible, closed to new enrollees in 2020, which left Plan G as the top choice.
Here is what Plan G pays in 2027, what you still pay, what it costs, and when it makes sense to choose the high-deductible version instead. You can also read our earlier Medigap Plan G overview or see every plan side by side in the 2027 Medicare Supplement comparison chart.
Get 2027 Medicare Supplement Plan G Rates
What Medicare Supplement Plan G Covers in 2027
Hospital costs. The Part A deductible (projected at $1,788 per benefit period in 2027), Part A coinsurance and 365 extra hospital days after Medicare runs out.
Doctor and outpatient costs. The 20% Part B coinsurance after the Part B deductible, plus Part B excess charges if a doctor bills above Medicare’s amount.
Skilled nursing and hospice. Skilled nursing facility coinsurance, hospice coinsurance and the first three pints of blood.
Travel. 80% of emergency care outside the U.S. after a $250 deductible, up to the plan’s lifetime limit.
Because Plan G is standardized, these benefits are the same from every company in every state except Massachusetts, Minnesota and Wisconsin.
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What You Still Pay With Plan G in 2027
With Plan G you pay your monthly premium, the Part B premium (projected at $209.50 a month for 2027) and the Part B deductible. Once you meet the deductible, Plan G pays your Medicare-approved costs in full for the rest of the year.
| A sample 2027 year on Plan G | You pay | Plan G pays |
|---|---|---|
| First doctor visits of the year | Up to the $292 Part B deductible (projected) | $0 |
| Later doctor and specialist visits | $0 | The 20% Medicare leaves |
| A hospital stay | $0 | The $1,788 Part A deductible (projected) and coinsurance |
| A doctor who charges excess charges | $0 | Up to 15% above Medicare’s amount |
Our illustration using 2026 Trustees Report projections for 2027. Plan G premium and the Part B premium are paid separately each month.
What Plan G never covers: Prescription drugs (you need a Part D plan with a deductible of up to $700 and a $2,400 cap in 2027), routine dental, vision and hearing, and long-term custodial care.
What Plan G Costs Heading Into 2027
Plan G premiums depend on your age, ZIP code, gender, tobacco use and the company. New Jersey’s official September 2026 chart lists about 20 Plan G prices for a 65-year-old man.
| Plan G company (NJ, man 65) | Monthly | Yearly (our math) |
|---|---|---|
| Bankers Life (Washington National) | $164.31 | $1,971.72 |
| Bankers Fidelity Life | $172.82 | $2,073.84 |
| Horizon Blue Cross Blue Shield of N.J. | $194.32 | $2,331.84 |
| United World Life (Mutual of Omaha group) | $228.02 | $2,736.24 |
| Aetna Health Insurance Co. | $299.88 | $3,598.56 |
Selected rows, NJ Division of Aging Services chart, September 2026 rates. Your state, age and ZIP will give different prices.
Prices for 2027 will be set company by company and state by state. Expect most Plan G policies to rise over time from inflation and, on attained-age plans, from your age.
Plan G vs High-Deductible Plan G in 2027
High-deductible Plan G pays the same benefits as Plan G, but only after you pay $3,050 in covered costs in 2027. In exchange its premium is much lower. On New Jersey’s chart the cheapest high-deductible G was $50.83 a month versus $164.31 for regular Plan G.
| Plan G | High-deductible Plan G | |
|---|---|---|
| Lowest NJ premium per year | $1,971.72 | $609.96 |
| Most you pay in covered costs | $292 (projected Part B deductible) | $3,050 |
| Worst-case year (our math) | $2,263.72 | $3,659.96 |
Worst case = yearly premium plus maximum covered out-of-pocket. NJ September 2026 rates.
Broker tip: High-deductible G works best for healthy people with savings who want low premiums. If a $3,050 bill in a bad year would strain your budget, standard Plan G is the safer pick.
Plan G Compared With Plan N and Plan F
| Plan G | Plan N | Plan F | |
|---|---|---|---|
| Part B deductible | You pay | You pay | Plan pays |
| Office and ER copays | None | Up to $20 office / $50 ER | None |
| Part B excess charges | Covered | Not covered | Covered |
| Who can buy | Anyone | Anyone | Eligible before 2020 only |
If you are deciding between G and N, our best Medicare Supplement plans 2027 guide shows how many copay visits it takes before N stops saving money. For Plan F, see our Plan F page.
How to Enroll in Plan G for 2027
Enroll in Part A and Part B. Plan G works on top of Original Medicare, so you need both parts first.
Use your Medigap Open Enrollment Period. For six months starting the month you are 65 or older and have Part B, any company must sell you Plan G at its standard price regardless of health.
Compare several companies. Plan G benefits are identical, so compare price, pricing method and rate history.
Add a Part D plan. Plan G does not cover prescriptions, so pick a drug plan during your Part D enrollment window.
Already on another supplement and want Plan G? You can apply at any time, but outside guaranteed issue situations most companies can ask health questions. See how to compare Medicare Supplement plans before you switch.
Bottom Line
Medicare Supplement Plan G in 2027 leaves you with one Medicare gap: the Part B deductible, projected at $292. It covers hospital stays, the 20% Part B coinsurance and excess charges with any Medicare doctor. Prices for identical Plan G coverage vary widely, so compare several companies, and consider high-deductible G only if you can comfortably cover $3,050.
Compare 2027 Plan G prices for your ZIP code
Medicare Supplement Plan G 2027 — Frequently Asked Questions
➤ What does Plan G not cover in 2027?
Plan G does not cover the Part B deductible, projected at $292 for 2027. It also does not cover prescriptions, routine dental, vision or hearing, or long-term custodial care.
➤ How much does Medicare Supplement Plan G cost in 2027?
It depends on your state, age, ZIP code, gender and tobacco use. In New Jersey’s September 2026 chart, Plan G for a 65-year-old man ranged from $164.31 to $299.88 a month.
➤ Is Plan G better than Plan F?
Plan F also pays the Part B deductible, but only people eligible for Medicare before 2020 can buy it. For everyone else, Plan G is the most complete plan available.
➤ What is the high-deductible Plan G deductible for 2027?
CMS set it at $3,050 for 2027. You pay covered costs up to that amount before high-deductible Plan G starts paying.
➤ Does Plan G cover Part B excess charges?
Yes. Plan G pays excess charges of up to 15% above Medicare’s approved amount, which some doctors who do not accept assignment can bill.
➤ Can I switch to Plan G in 2027?
You can apply any time, but outside your Medigap Open Enrollment Period or a guaranteed issue situation, most companies can ask health questions and may decline you.
➤ Does Plan G work with any doctor?
Yes. Plan G works with any doctor or hospital in the U.S. that accepts Medicare. There are no networks and no referrals.
➤ Will my Plan G premium go up?
Most Plan G premiums rise over time. How much depends on the company’s rate increases and its pricing method, so ask about both before you buy.
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