What Makes Plan G the Go-To Medigap Choice in 2025?
If you’re exploring Medicare Supplement Insurance (Medigap) options in 2025, chances are you’ve come across Plan G again and again—and for good reason.
Plan G has long been one of the most comprehensive Medigap plans available to new Medicare enrollees. But with rising premiums and changes to health needs, many are wondering: Is it still worth it?
Let’s break down what Plan G covers, why it’s so popular, and who should (or shouldn’t) consider it this year.
What Does Medicare Plan G Cover in 2025?
Plan G covers nearly all out-of-pocket costs left behind by Original Medicare (Parts A and B), with the only exception being the Part B annual deductible. Here’s what it includes:
- Part A deductible & coinsurance
- Part A hospital costs up to an additional 365 days after Medicare benefits are used
- Part B coinsurance & copayments
- Skilled nursing facility coinsurance
- Part A hospice care coinsurance
- Blood (first 3 pints)
- Foreign travel emergency care (up to plan limits)
With Plan G, once you pay the small annual Part B deductible (which is $240 in 2025), your coverage is nearly full for the rest of the year.
Why Is Plan G So Popular Right Now?
Here’s what makes Plan G stand out in 2025:
High Coverage, Low Stress
You don’t have to worry about surprise bills or coinsurance. Many people choose Plan G for peace of mind.
Predictable Costs
You know exactly what you’ll pay (premium + Part B deductible). This helps with budgeting, especially on a fixed income.
Nationwide Provider Access
Plan G works with any doctor or hospital that accepts Medicare, giving you more freedom compared to Medicare Advantage plans with network restrictions.
Plan F Is Closed to New Enrollees
Plan F was even more comprehensive but was phased out for those who became eligible for Medicare after Jan 1, 2020. That leaves Plan G as the next best thing.
So, Is Plan G Still Worth It in 2025?
For many people—yes. But let’s take a closer look:
Plan G Might Be Worth It If:
You want predictable, comprehensive coverage.
You see doctors frequently or anticipate medical procedures.
You’d rather avoid the complexity and restrictions of Medicare Advantage plans.
Plan G Might Not Be Ideal If:
You’re healthy and rarely go to the doctor—a lower-premium plan like Plan N or High-Deductible Plan G might save you more in the long run.
You qualify for state assistance or Medicaid, which may cover many of the same costs.
You’re on a tight budget and want to reduce monthly premium costs.
Final Thoughts: Should You Enroll in Plan G This Year?
Plan G continues to be a safe, predictable, and widely accepted choice in 2025. But like any Medicare decision, it depends on your health, lifestyle, and financial situation.
Before enrolling, compare options based on: