What does Highmark Plan G cover?

Highmark Plan G covers the same benefits as every Plan G: it fills the gaps in Original Medicare except the yearly Part B deductible, and it includes Part B excess charges. Once you pay that deductible, your Medicare-approved costs are generally covered. It also pays 80% of emergency care abroad after a $250 deductible, up to $50,000 lifetime.

Is Highmark Plan G different from other Plan G policies?

No. Medigap benefits are standardized, so Highmark Plan G covers the same things as Plan G from any other insurer. What differs is the premium, how the insurer prices the policy over time and the service you receive, so compare quotes for your ZIP code before choosing.

What does Plan G not cover?

Plan G does not cover the yearly Part B deductible. It also does not pay for services Original Medicare does not cover, such as routine dental care, routine vision and eyeglasses, hearing aids or long-term custodial care. You would need separate coverage or savings for those costs.

Is Plan G the most popular Medigap plan?

Yes, for most people new to Medicare. Plan F closed to anyone first eligible for Medicare on or after January 1, 2020, and Plan G offers the same coverage as Plan F except for the Part B deductible, which has made it the go-to choice for many new enrollees.

Does Plan G cover excess charges?

Yes. Plan G covers Part B excess charges, which doctors who do not accept Medicare assignment may bill above the Medicare-approved amount, within legal limits. This protection is one reason many people choose Plan G over Plan N, which leaves excess charges for you to pay.

Does Highmark Plan G cover prescriptions?

No. Highmark Plan G does not include prescription drug coverage, because Medigap policies do not include Part D. To cover your medications, enroll in a separate Part D plan, and compare plans using your drug list in Medicare Plan Finder to find the lowest total cost.

When is the best time to buy a Medigap plan?

Your best window is the six-month Medigap Open Enrollment Period, which starts the first month you are 65 or older and enrolled in Part B. During that time, insurers cannot turn you down or charge more because of health conditions. Once it ends, insurers in most states can use medical underwriting unless you have a guaranteed issue right.

Do Medigap plans cover prescription drugs?

No. Medigap policies do not include drug coverage, so you need to pair yours with a standalone Part D plan. For 2027, the maximum Part D deductible is $700 and the out-of-pocket cap is $2,400, which limits what you spend on covered drugs in a year.

Highmark Medicare Supplement Plan G

Reviewed by Russell Noga, a Licensed Medicare Insurance Broker in all 50 states — Updated October 8, 2026

Highmark Plan G is a Medicare Supplement policy that covers every gap in Original Medicare except the yearly Part B deductible, including Part B excess charges. Benefits are standardized, so Highmark’s Plan G covers exactly what any other insurer’s Plan G covers; the difference is price and service.

Plan G is one of the most popular Medigap choices for people new to Medicare. Because every insurer must offer identical benefits for the same letter, the smart comparison is Highmark’s price, pricing method and rate history against other insurers for the same plan.

See Highmark Medigap plans.

✔ Licensed agents in all 50 states
✔ Built on CMS 2027 data
✔ Compare plans for free

Key Highlights

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Highmark Plan G benefits are standardized.

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Compare Highmark’s price with other insurers for Plan G.

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Every insurer in your state offers the same benefits for a given Medigap plan letter.

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CMS sets the 2027 High-Deductible Plan G deductible at $3,050.

Compare plans and enroll online

What Highmark Plan G Covers

Benefit	Plan G
Hospital costs and Part A coinsurance for up to 365 additional days	Yes
Part A deductible	Yes
Part A hospice coinsurance	Yes
Part B coinsurance or copays	Yes
Part B excess charges	Yes
Skilled nursing facility coinsurance	Yes
First 3 pints of blood	Yes
Foreign travel emergency	80% up to plan limits
Part B deductible	No

Your share: the yearly Part B deductible. Once it is met, Plan G pays Medicare-approved costs, excess charges included.

The 2027 Part B deductible is normally announced by CMS in November; the Medicare Trustees project about $292 for 2027, compared with $283 in 2026.

What Original Medicare Leaves You to Pay

Medicare Supplement plans are designed to fill gaps left by Original Medicare. Here are the costs one can cover:

Original Medicare Gap	What It Means for You	Covered By
Part A deductible	Charged per hospital benefit period rather than once a year. In 2026 it was $1,736.	Fully covered by Plans B, C, D, F, G and N; partly by K, L and M
Part A hospital coinsurance	Per-day charges starting after day 60 in the hospital, increasing after day 90	All 10 plans, plus 365 extra hospital days
Part B deductible	An annual deductible paid before Part B pays. In 2026 it was $283.	Only Plans C and F
Part B coinsurance	Typically 20% of the approved amount, without an annual cap	All plans (K and L in part, N with copays)
Part B excess charges	Doctors who do not accept assignment can charge up to 15% over the approved amount	Plans F and G
Skilled nursing coinsurance	Charges per day from day 21 through day 100 of a covered stay	Plans C, D, F, G, M and N (K and L in part)
Emergency care abroad	Care received outside the U.S. is generally not covered by Original Medicare	Plans C, D, F, G, M and N, up to plan limits

No limit unless you add a supplement: there is no out-of-pocket maximum in Original Medicare. If you lack a Medigap plan or other coverage, the 20% you may owe for Part B services has no ceiling.

Medigap Plans

All 10 Medigap Plans Compared

Because federal law defines exactly what each plan letter covers, a given letter carries identical benefits from every insurer in your state.

Benefit	A	B	C*	D	F*	G	K	L	M	N
Hospital costs and Part A coinsurance for up to 365 additional days	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Part B coinsurance or copayment	Yes	Yes	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes***
First 3 pints of blood	Yes	Yes	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes
Part A hospice coinsurance or copayment	Yes	Yes	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes
Skilled nursing facility coinsurance	No	No	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes
Part A deductible	No	Yes	Yes	Yes	Yes	Yes	50%	75%	50%	Yes
Part B deductible	No	No	Yes	No	Yes	No	No	No	No	No
Part B excess charges	No	No	No	No	Yes	Yes	No	No	No	No
Foreign travel emergency (up to plan limits)	No	No	80%	80%	80%	80%	No	No	80%	80%
Out-of-pocket limit	None	None	None	None	None	None	Yes**	Yes**	None	None

*Only people who became eligible for Medicare before January 1, 2020 can purchase Plans C and F. **Plans K and L carry an annual out-of-pocket limit set by Medicare each year; once you hit that limit, the plan covers 100% of covered services for the remainder of the year. ***Plan N covers all Part B coinsurance, except you may owe copays of up to $20 for certain office visits and up to $50 for ER visits that do not result in an inpatient admission. Plans in Massachusetts, Minnesota and Wisconsin are standardized in a different way.

Find & Compare Plans Online

Speak with a licensed insurance agent

1-877-436-2343TTY 711

Mon-Fri: 8am-9pm ET

About Highmark

Highmark sells Medicare Supplement plans in its service area, which includes much of Pennsylvania, Delaware, West Virginia and parts of New York. Highmark expanded its Medigap offerings for 2026, including a full portfolio in southeastern Pennsylvania. Its Medicare Advantage changes do not affect Medigap policies.

Who Plan G Fits

Plan G May Fit If

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You want the fullest coverage available to new enrollees

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You want predictable costs

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You see doctors who may charge excess charges

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You travel

Consider Another Plan If

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You want the lowest premium: High-Deductible G

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You rarely see doctors: Plan N

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You want extras in one plan: Medicare Advantage

Utilizing the Free Medicare Plans Finder Tool

Highmark Plan G vs Plan N vs HDG

Plan G

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After the Part B deductible, you pay little or nothing

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Covers Part B excess charges

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Highest premium of the three

Plan N

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You pay the Part B deductible plus small copays

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Does not cover Part B excess charges

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Usually a lower premium than Plan G

High-Deductible G

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In 2027, you pay up to $3,050 before coverage begins

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Then covers like Plan G

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Lowest premium

Plan G, Plan N and High-Deductible Plan G

Most people new to Medicare choose one of these three. Plan G covers every gap except the Part B deductible. Plan N trades a lower premium for copays of up to $20 for some office visits and up to $50 for ER visits that do not lead to admission, and it does not cover Part B excess charges. High-Deductible Plan G has a $3,050 deductible for 2027, up from $2,950, then covers like Plan G. See Plan G vs Plan N.

How Medigap Prices Are Set

Your Age

Many insurers charge more as you get older.

Your ZIP Code

Prices vary by state and area.

Tobacco Use

Tobacco users usually pay more.

Discounts

Discounts for households or other groups, which vary by insurer and state.

Pricing Method	How the Premium Is Set	Over Time
Community-rated	The premium is the same for everyone in an area, whatever their age	Will not go up as you age, but may go up for inflation and other reasons
Issue-age-rated	Based on your age when you buy	Won’t increase as you age, though other factors can raise it
Attained-age-rated	Based on your current age	Rises as you age, on top of other increases

Insurer and state determine the method. Before buying, find out how a policy is priced, not only what it costs now.

When You Can Buy

Key Takeaway

Your six-month Medigap Open Enrollment Period begins in the first month you are both 65 or older and enrolled in Part B. During this window, insurers cannot turn you down or raise your price based on your health.

Watch for: unless you are in your six-month Medigap Open Enrollment Period or have a guaranteed issue right, most states allow insurers to ask health questions and then turn you down or charge you more.

You also have guaranteed issue rights under federal law in some situations, generally for 63 days after your other coverage ends:

You May Have a Right to Buy If

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Your Medicare Advantage plan exits your area or no longer serves Medicare

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You enrolled in Medicare Advantage when you first became eligible at 65 and want to go back within your first year

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You left a Medigap policy to try Medicare Advantage for the first time and want to go back within one year

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Employer or union coverage that pays after Medicare comes to an end

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Your Medigap insurer misleads you or goes bankrupt

Your state may offer extra protection: in New York and Connecticut, you can enroll in Medigap at any time of year with no health questions, while states like California and Oregon offer annual windows to move to an equal or lesser plan.

What Medigap Does Not Cover

Not Covered by Medigap

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Prescription drugs: add a standalone Part D plan

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Hearing aids, eye exams for glasses, and routine dental care

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Ongoing custodial care at home or in a nursing home

that cover doctors & Rx drugs

1-877-436-2343 TTY 711