Plan G is the most comprehensive Medicare Supplement plan available to people newly eligible for Medicare. It covers nearly every out-of-pocket cost that Original Medicare leaves behind, with one exception: the annual Medicare Part B deductible.
For most Kentucky residents enrolling in Medicare today, Plan G offers the broadest standardized coverage at a predictable monthly premium. Because Plan G benefits are standardized by Medicare, the medical coverage is the same regardless of which insurance company you choose. What varies is the premium, available discounts, rate history, and customer service.
At Kentucky Medicare Help, we compare Plan G rates from multiple insurance companies serving Kentucky so you can find the right company for your situation.
Plan G has become the most widely selected Medicare Supplement plan for several reasons:
One plan letter, one set of benefits, one monthly premium. No copayments or surprise bills at the point of care.
With Plan G, your only remaining Original Medicare cost is the annual Part B deductible. After that, your covered services are paid in full.
You can see any doctor or specialist in the country who accepts Medicare. No referrals needed.
Plan G offers the broadest standardized benefits. Plan F, which previously held this distinction, is no longer available to new enrollees.
Because Plan G is the most popular choice, it typically has a large, diverse pool of enrollees, which can contribute to more stable premiums over time compared to less popular plans with smaller pools.
Plan G covers the following gaps in Original Medicare:
Covers hospital coinsurance & costs up to an additional 365 days after benefits are exhausted.
Covers your share of doctor visits, outpatient services, and other Part B costs.
Covers Part A hospice care coinsurance or copayments.
Covers skilled nursing facility coinsurance for days 21-100 of a qualifying stay.
Covers the full Medicare Part A hospital deductible so you pay nothing for inpatient stays.
Covers the difference if a provider charges more than the Medicare-approved amount.
Covers the cost of the first three pints of blood needed during a medical procedure.
Covers 80% of emergency care costs when traveling outside the U.S., up to plan limits.
The only cost Original Medicare leaves behind that Plan G does not cover is the annual Part B deductible. In 2025, the Part B deductible is $257 per year. After you meet this deductible, Plan G generally covers the remaining gaps for the rest of the year.
One of the most important things to understand about Medicare Supplement Plan G is that the medical benefits are standardized. This means Plan G from Company A covers the exact same things as Plan G from Company B.
What differs between companies:
Because the coverage is identical, choosing the right Plan G company is really about finding the best combination of premium, stability, and service rather than comparing medical benefits.
There is no single "best" Plan G company for everyone. The right choice depends on your age, ZIP code, household eligibility, health history, available discounts, and how you weigh premium savings against long-term rate stability. We compare these factors across multiple companies so you can make an informed decision.
Plan G premiums can vary significantly between insurance companies and between applicants. Factors that commonly influence your rate include:
Most companies use attained-age pricing, meaning your premium may increase as you get older. Some use issue-age pricing, where your rate is based on the age you were when you enrolled.
Rates vary across Kentucky counties. Someone in Louisville may pay a different premium than someone in Lexington, Northern Kentucky, or rural eastern Kentucky.
Non-tobacco users typically qualify for lower rates. The discount varies by company but can be meaningful over time.
Many companies offer discounts when multiple household members are insured. Eligibility rules vary, so it's worth comparing which companies offer the best household savings.
Some insurance companies may factor sex into premium calculations where permitted by applicable law.
Attained-age, issue-age, and community-rated methods each produce different premium trajectories over time. Understanding how your policy is priced helps you evaluate long-term value.
Kentucky also offers a high-deductible version of Plan G. This plan has the same standardized benefits as regular Plan G, but you must pay an annual deductible ($2,870 in 2025) before the plan begins covering your costs.
The advantage is a significantly lower monthly premium. High-Deductible Plan G can work well for people who:
Are generally healthy and use few medical services
Want catastrophic protection without a high monthly payment
Comfortable budgeting for potential out-of-pocket costs up to the deductible
Prefer to self-insure routine costs while protecting against large expenses
Whether High-Deductible Plan G saves you money depends on how much healthcare you use in a given year. We can help you compare the math between standard Plan G and High-Deductible Plan G based on your situation.
Plan G offers the most comprehensive standardized coverage available to people newly eligible for Medicare. Whether it's the "best" choice depends on your budget, how you use healthcare, and whether you prefer lower premiums with some cost sharing (Plan N) or higher premiums with full predictability (Plan G).
Yes. The standardized medical benefits are the same regardless of which insurance company you choose. What differs is the monthly premium, available discounts, rate history, underwriting guidelines, and customer service.
Plan G premiums vary based on your age, ZIP code, tobacco status, sex, household eligibility, and which insurance company you choose. Rather than publishing a single rate that may not apply to you, we provide personalized comparisons based on your specific information.
During your Medigap Open Enrollment Period, insurance companies generally cannot deny you Plan G or charge more based on health. After that window, medical underwriting typically applies, and approval depends on the company's guidelines and your health history.
No. Medicare Supplement plans do not include prescription drug coverage. You'll need a separate Medicare Part D plan. We can help you compare Part D options based on your medications.
Yes. If you currently have Plan F, you can apply for Plan G with the same or different company. Medical underwriting may apply. Many people consider this switch because Plan G premiums are often lower than Plan F, with the only difference being the Part B deductible.
Whether you're enrolling for the first time or comparing companies after a rate increase, we'll help you find the right Plan G at the right price.
