The answer
What does Medigap Plan G cover?
Medigap Plan G (a Medicare Supplement policy that pairs with Original Medicare) covers most of the gaps Original Medicare leaves behind.
After you pay the Part B deductible ($283 in 2026), Plan G covers your Part A hospital coinsurance and costs, the 20 percent Part B coinsurance for doctor and outpatient services, the first three pints of blood, skilled nursing facility coinsurance, hospice coinsurance, and Medicare Part B excess charges (extra amounts some doctors can bill above the Medicare-approved rate). It also includes foreign travel emergency coverage up to plan limits. The one major gap Plan G does not cover is that Part B deductible, which you pay yourself. Plan G does not include prescription drug coverage, so you would add a separate Part D plan. Because Plan G is standardized, its benefits are the same across insurers; only the premium and service differ.