Medicare Supplement (Medigap) Plan G does not cover the Medicare Part B deductible, but it does cover the Medicare Part A deductible and almost all other “gaps” in Original Medicare once that Part B deductible is paid.

Quick Scoop

  • Plan G covers the Medicare Part A deductible (hospital) but not the Part B deductible (doctor/outpatient).
  • After you pay the annual Part B deductible out of pocket, Plan G typically picks up the rest of your Medicare‑approved copays and coinsurance for the year.
  • There is also a “high‑deductible Plan G” where you must pay a larger combined deductible (including Parts A and B costs) before the plan starts paying, but even that version still does not waive the Part B deductible itself.

What “deductible” Plan G actually covers

When people ask “does Plan G cover the Medicare deductible,” they’re usually mixing up the two different deductibles:

  • Medicare Part A deductible (hospital)
    • Regular Plan G does cover this in full once your coverage applies.
* After that, hospital stays that Medicare approves typically have no additional deductible cost to you.
  • Medicare Part B deductible (doctor/outpatient)
    • Plan G does not cover this; you pay that Part B deductible yourself each year.
* After you pay it, Plan G generally covers Part B coinsurance and excess charges, so most covered outpatient care has little or no further out‑of‑pocket cost.

Regular Plan G vs High‑Deductible Plan G

Both versions cover the same categories of Medicare “gaps,” but the timing of when help kicks in is very different.

[5][7] [1][7][5] [7][3] [1][3][7] [3][7] [5][7][1] [7][1] [1][5][7]
Feature Regular Plan G High‑Deductible Plan G
Part A deductible Covered by the plan after Medicare pays its share. Counts toward the high deductible; covered after you hit that larger amount.
Part B deductible You pay it; not covered. Still not waived; what you pay toward it just counts toward the high deductible.
When plan starts paying After you meet only the small Part B deductible. After you pay a larger annual high deductible that includes Parts A & B costs.
Monthly premium Higher premium, lower out‑of‑pocket during the year. Lower premium, but you could pay much more out‑of‑pocket before coverage kicks in.

Why it’s a common 2025–2026 question

  • Plan G has become a very popular Medigap option since new enrollees can’t get Plan F, so “does Plan G cover the Medicare deductible?” is a trending question on Medicare forums and Q&A sites.
  • In recent discussions, many people say they like Plan G because paying only the Part B deductible feels manageable given how much of the rest of their costs are covered, while others look to high‑deductible Plan G to trade lower premiums for higher risk if they get sick.

Bottom line (TL;DR)

  • Plan G does cover the Medicare Part A deductible.
  • Plan G does not cover the Medicare Part B deductible; you always pay that yourself, even with high‑deductible Plan G.

Information gathered from public forums or data available on the internet and portrayed here.