Medicare Supplement Plan G: What Medigap Plan G Covers in Utah

Source: Medicare.gov: Compare Medigap plan benefits

This guide explains what Medigap Plan G covers, what you still pay, how it compares with other letters, and what to check before you buy. We don't show prices or recommend a plan; we show how Plan G is built so you can compare with confidence.

New to Medigap? Start with What is Medigap? and come back here.

What is Medicare Supplement Plan G?

Medigap, also called Medicare Supplement Insurance, is extra insurance from a private company that helps pay your share of costs in Original Medicare (Part A and Part B). Plan G benefits are standardized by law, so they're the same with every company that sells it (Medicare.gov).

With Plan G, Medicare pays its share of the Medicare-approved amount first. Then Plan G pays its part of what's left, based on Medicare's benefits chart. You need Part A and Part B to buy a Medigap policy, and one policy covers one person.

What does Medigap Plan G cover?

Here's Plan G's column from Medicare's standardized benefits chart (Medicare.gov).

Source: Medicare.gov: Compare Medigap plan benefits

The Part A deductible is $1,736 per benefit period in 2026, and Plan G pays it (CMS).

What you pay with Plan G

• The Part B deductible: you pay it once a year ($283 in 2026, per CMS). After that, Plan G pays your Part B coinsurance for covered services.
• Your premiums: your Part B premium ($202.90 a month for most people in 2026, per CMS), your Plan G premium and any Part D premium. Each company sets its own Plan G premium. We don't list prices on this page.
• Care Medigap doesn't cover: prescription drugs, long-term care, vision, dental, hearing aids, eyeglasses and private-duty nursing.

Plan G and Part B excess charges

A doctor who accepts Medicare assignment takes the Medicare-approved amount as full payment. A doctor who doesn't can charge more, and for doctors' services that excess charge can't be more than 15% above the Medicare-approved amount (Medicare.gov). Plan G pays Part B excess charges. Learn more in Medicare Part B excess charges.

Plan G compared with other Medigap letters

• Plan G vs Plan N: both share most benefits. Plan N doesn't pay Part B excess charges and can have copays of up to $20 for some office visits and up to $50 for ER visits that don't lead to an inpatient admission. See Plan G vs Plan N and Medicare Supplement Plan N.
• Plan G vs Plan F: Plan F also pays the Part B deductible. Plans C and F aren't available to people who became eligible for Medicare on or after January 1, 2020. If you were eligible for Medicare before January 1, 2020, you may still be able to buy Plan C or Plan F (Medicare.gov).
• High-deductible Plan G: the same benefits as Plan G once you pay a yearly deductible ($2,950 in 2026 and $3,050 in 2027, per CMS). See high deductible Plan G.

Which situations does Plan G pay for?

Pick a kind of care to see what Original Medicare pays, what Plan G pays and what's left for you, in words, from Medicare.gov's rules.

How to compare Plan G policies in Utah

Timing matters for Plan G

You can apply for a Medigap policy at any time, but timing matters. Your Medigap Open Enrollment Period starts the first month you're 65 or older and enrolled in Part B, and it lasts 6 months. Within it, a company can't turn you down or charge more because of your health, though it may make you wait up to 6 months to cover a pre-existing condition (Medicare.gov). Outside it, insurers may ask health questions, charge more or turn you down. See Medicare enrollment dates and turning 65 in Utah for how this fits your other windows.

For the Utah picture across all letters, see Medicare Supplement plans in Utah.

Considering Medicare Advantage instead?

Plan G adds to Original Medicare. Medicare Advantage is a different path, and Medigap can't be used with a Medicare Advantage plan. Learn how it works in What is Medicare Part C?, compare the two coverage styles in Medicare Advantage vs. Medicare Supplement, or use our Original Medicare vs. Medicare Advantage comparison tool. Medicare Advantage changes happen during Open Enrollment and the Medicare Advantage Open Enrollment Period, which are separate from your Medigap window.

How our team helps

We're Boo Insurance Services, a licensed independent Medicare agency in Draper, licensed since 2014. We've helped 1,000+ Utahns with Medicare and have 170+ 5-Star Google Reviews. We meet by phone or video anywhere in Utah, explain how Plan G works with your doctors and answer your questions in plain language. You won't pay us a fee. Insurance companies pay us when you enroll, and that doesn't change your plan's benefits, coverage or premium. If we talk about Medicare Advantage or drug plans, Medicare rules require a short Scope of Appointment form first. You decide, with no obligation.

Frequently asked questions

What does Medigap Plan G cover?

Plan G pays Part A coinsurance and hospital costs, the Part A deductible, Part B coinsurance, the first 3 pints of blood, hospice and skilled nursing coinsurance, Part B excess charges and 80% of foreign travel emergencies, up to plan limits. It doesn't pay the Part B deductible.

What doesn't Plan G cover?

Plan G doesn't pay the Part B deductible. Like other Medigap policies, it doesn't cover prescription drugs, long-term care, vision, dental, hearing aids, eyeglasses or private-duty nursing.

Is Medicare Supplement Plan G the same with every company in Utah?

Yes, the benefits are. Medigap plans are standardized by letter, so Plan G has the same benefits with every company that sells it in Utah. Premiums and customer service can differ.

Does Plan G cover Part B excess charges?

Yes. If a doctor doesn't accept Medicare assignment, they can charge more than the Medicare-approved amount. For doctors' services, that can be up to 15% more, and Plan G pays that excess charge.

What's the difference between Plan G and high-deductible Plan G?

They have the same benefits, but with high-deductible Plan G you pay a yearly deductible before the policy pays anything: $2,950 in 2026 and $3,050 in 2027, according to CMS.

Does Plan G include prescription drug coverage?

No. Medigap policies sold today don't include prescription drug coverage. You join a separate Medicare drug plan (Part D).

When can I buy Medigap Plan G?

You can apply for a Medigap policy at any time, but timing matters. Your 6-month Medigap Open Enrollment Period starts the first month you're 65 or older and enrolled in Part B. During it, a company can't turn you down or charge more because of your health, though it may make you wait up to 6 months to cover a pre-existing condition. Outside it, insurers may ask health questions, charge more or turn you down.

Can I use Plan G with a Medicare Advantage plan?

No. Medigap can't be used with a Medicare Advantage plan. Plan G works only with Original Medicare.

Serving Utah residents. We do not offer every plan available in your area. Currently we represent 9 organizations which offer 58 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Sources

• Medicare.gov, Compare Medigap plan benefits
• Medicare.gov, What's Medicare Supplement Insurance (Medigap)?
• Medicare.gov, Does your provider accept Medicare as full payment?
• Medicare.gov, When can I buy a Medigap policy?
• Medicare.gov, Choosing a Medigap Policy (CMS Product 02110)
• CMS, F, G & J Deductible Announcements
• CMS, 2026 Medicare Parts A & B Premiums and Deductibles

Not connected with or endorsed by the United States government or the federal Medicare program. Fores Boo, licensed independent Medicare agent, NPN 17255694, Boo Insurance Services, 61 W 13490 S Ste 201, Draper, UT 84020.

Last updated: October 21, 2026.