The “Part G” Paradox: Why This Medigap Powerhouse Is the 2026 Gold Standard

If you’ve been scouring the internet for “Medicare Part G,” I have some good news and a tiny “well, actually” for you. First, the correction: there is no Medicare Part G. Medicare has “Parts” (A, B, C, and D) that come from the government. What you’re looking for is Medicare Supplement Plan G (also known as Medigap).

Now, the good news: you’ve accidentally stumbled upon what most experts consider the “Gold Standard” of Medicare coverage in 2026. If you value predictability, flexibility, and never having to wonder if your doctor is “in-network,” Plan G is your new best friend.

What is Medicare Supplement Plan G?

Think of Original Medicare (Parts A and B) as a solid foundation for a house, but one that’s missing a few windows and maybe a front door. You’re responsible for deductibles, 20% coinsurance, and “excess charges” that can turn a simple procedure into a financial headache.

Plan G is the high-end renovation that fills almost every one of those gaps. It is the most comprehensive plan available to anyone new to Medicare since 2020.

The Big Benefits: What’s Covered?

In 2026, Plan G remains the heavyweight champion of coverage. Here’s the breakdown:

• Part A Deductible ($1,736 in 2026): If you’re admitted to the hospital, Plan G pays this entire amount for you.

• Part B Coinsurance (20%): Medicare usually pays 80% of doctor visits and outpatient care. Plan G picks up the remaining 20%.

• Part B Excess Charges: Some doctors don’t accept “Medicare Assignment,” meaning they can charge up to 15% more than the Medicare-approved amount. Plan G is one of the few plans that covers this fully.

• Skilled Nursing Facility Coinsurance: Covers your costs for days 21–100 of a Medicare-approved stay.

• Foreign Travel Emergency: Provides 80% coverage (after a $250 deductible) for emergency care outside the U.S., up to a $50,000 lifetime limit.

Why Choose Plan G Over the Competition?

1. The “No Surprises” Budget

With Plan G, your only major out-of-pocket medical expense for the year is the Medicare Part B deductible ($283 in 2026). Once you pay that first $283, the plan covers 100% of your Medicare-approved expenses for the rest of the year. No $20 copays, no “facility fees,” just peace of mind.

2. Freedom of Movement

Unlike Medicare Advantage (Part C), Medigap Plan G has no networks. If a doctor, specialist, or hospital anywhere in the U.S. accepts Medicare, they accept your Plan G. You don’t need a referral to see a cardiologist in another state or a surgeon across town.

Summary: Why Buy Plan G?

• Comprehensive: Covers almost everything except the $283 Part B deductible.

• Predictable: One small annual deductible, then you’re done.

• Flexible: No networks, no referrals, nationwide coverage.

• Safe: Protects you from “excess charges” that other plans ignore.

Looking for a Medigap plan in Sun City, Arizona? I can help!

American Insurance Benefits – Andy Orlikoff

623-742-3878

www.azhealth.us

#healthinsurance #Medigap #Medicare