Medicare Supplement Plan G: Your Guide to “Zero-Surprise” Healthcare

Medicare Supplement Plan G is the most comprehensive Medigap plan available to new Medicare enrollees in 2026. If you’re turning 65 or newly enrolled in Medicare, Medicare Supplement Plan G fills nearly every gap Original Medicare leaves behind. In this guide, you’ll see exactly what Plan G covers, what it costs in Arizona, and why most of my clients choose it over every other option.

What Medicare Supplement Plan G Covers

Original Medicare (Parts A and B) is a solid foundation. However, it leaves you responsible for significant out-of-pocket costs — including the 20% coinsurance on doctor visits and hospital stays. Medicare Supplement Plan G steps in and covers those gaps.

Plan G covers all of the following:

• Medicare Part A coinsurance and hospital costs — up to 365 days after Medicare benefits are used
• Medicare Part A deductible — $1,676 in 2026
• Medicare Part A hospice care coinsurance
• Skilled nursing facility coinsurance
• Medicare Part B coinsurance or copayments — 100% covered after your deductible
• Foreign travel emergency care — up to plan limits

The only cost you pay with Plan G is the annual Part B deductible — $257 in 2026. After that, you owe nothing for covered services for the rest of the year.

How Medicare Supplement Plan G Works

Think of Medicare Supplement Plan G as a shield for your savings. Here’s how it works step by step:

1. You pay the Part B deductible once per year ($257 in 2026)
2. After that, Plan G pays 100% of your Medicare-approved medical bills
3. You can see any doctor in the U.S. who accepts Medicare — no networks, no referrals, no prior authorizations

As a result, your healthcare costs for the year are completely predictable. You know your maximum out-of-pocket before January even starts.

Medicare Supplement Plan G vs Other Plans

While other Medigap plans exist, Plan G is the gold standard for new Medicare enrollees. Here’s why:

• vs Plan N: Plan N costs less per month but charges copays of up to $20 per office visit and $50 per ER visit. If you see doctors regularly, Plan G often costs less overall.
• vs Plan F: Plan F covers the Part B deductible too, but it’s no longer available to new Medicare enrollees after January 1, 2020. Plan G is the closest equivalent.
• vs Medicare Advantage: Medicare Advantage plans often have networks, prior authorization requirements, and annual plan changes. Plan G works with Original Medicare — no networks, no surprises.

Medicare Supplement Plan G and Mayo Clinic

One of the most important differences between Plan G and Medicare Advantage is hospital access. Mayo Clinic Arizona accepts Original Medicare — and therefore accepts Plan G. Most Medicare Advantage plans, however, are not accepted at Mayo Clinic.

If keeping access to major specialty hospitals matters to you, that distinction alone makes Plan G worth considering.

The Enrollment Window for Medicare Supplement Plan G

When you first enroll in Medicare Part B, you have a 6-month open enrollment window for Medigap. During this period, insurance companies cannot deny you Medicare Supplement Plan G or charge more based on your health history.

After this window closes, insurers can use medical underwriting. Consequently, pre-existing conditions could affect your eligibility or premium. This window only happens once — so timing matters.

If you’re turning 65, get your Plan G in place before your birthday month. Don’t wait.

What Does Medicare Supplement Plan G Cost in Arizona?

Plan G premiums vary by age, gender, and carrier. However, as a general benchmark for Arizona in 2026:

• Age 65: approximately $100–$150/month depending on carrier
• Age 70: approximately $130–$190/month depending on carrier
• Age 75: approximately $160–$230/month depending on carrier

Rates for the same plan can vary significantly between carriers. Therefore, comparing quotes from multiple companies before you enroll can save you $50–$100 per month — with identical coverage.

Get a Free Medicare Supplement Plan G Quote in Arizona

I’m Andy Orlikoff, an independent Medicare Supplement broker based in Surprise, AZ. I’ve been helping Arizona residents enroll in Medicare Supplement Plan G since 2004. I compare rates from multiple carriers and walk you through your options at no cost to you.

Your premium is the same whether you use a broker or go direct. You’re just getting 20+ years of Arizona experience at no charge.

Call or text: (623) 742-3878
Email: andy@azhealth.us
Fill out the contact form →

Serving Surprise, Phoenix, Peoria, Glendale, Goodyear, Buckeye, Scottsdale, Mesa, Chandler, Gilbert, and all of Arizona.

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